I. Single-choice questions: 1 point per question, only one of the alternative answers to each question is correct, 1 point for a correct answer, 0 points for multiple choices, no choices or wrong choices
1, according to China's "General Principles of Civil Law", the period during which a citizen has the ability to exercise civil rights is ()
A From 16 years of age to the death of the
B From 14 years of age to the death of the
C From 18 years of age to death
D From birth to death
D From birth to death A from the age of 16 to death
B from the age of 14 to death
C from the age of 18 to death
D from birth to death
2. According to the customary practice, the forms of informing the insured include (）
A Unlimited Informations and Question and Answer Informations
B Guaranteed Informations and Question and Answer Informations
C Confirming Informations and Commitment Informations
D Explicit Informations and Implied Informations
D Express Informations and Implied Informations
D Informations of the insurer's civil rights. The process in which an insurance salesperson facilitates a prospective policyholder to reach a purchase commitment under the condition that the prospective policyholder basically agrees with the insurance proposal is called ()
A Facilitating the signing of a contract B Insurance underwriting C Insurance commitment D Signing of the insurance policy
4、 The insurance agency and its branches shall provide training on the insurance law and business knowledge to the business personnel and education on professional ethics in accordance with the provisions of the "Insurance Agency Law". According to the Provisions on the Administration of Insurance Agencies, the annual training and education requirement for each insurance agent after he/she has started his/her job is ()
A Accumulative total of not less than 12 hours
B Accumulative total of not less than 36 hours
C Accumulative total of not less than 60 hours
D Accumulative total of not less than 80 hours
5、Insurance agencies and their branches shall train their staff on insurance laws and business knowledge as well as education on professional ethics. p>5, in insurance activities, the common problem of duplicate insurance, over-insurance of under-insurance will not appear in ()
A life insurance
B motor vehicle insurance
C marine insurance
D property insurance
6, in our country, the insurance company in accordance with the relevant provisions of the state to hold the bank subordinated bonds, which reflects the Insurance ()
A insurance protection B risk management C capital financing D social management
7, Zhang insured the insurance amount of 100,000 yuan of three-year investment type family property insurance, pay insurance investment 20000 yuan, in the insurance period incurred 20000 yuan of claims, annual dividends of 500 yuan. Then, at the end of the insurance period, Zhang will get the amount of compensation is ()
A 0 yuan B 1500 yuan C 20000 yuan D 21500 yuan
8, consumer Li Mou in the use of A shopping malls selling goods when the legal rights and interests of the damage, but soon B company merged with the A shopping mall, according to the provisions of the law on the protection of consumer rights and interests of our country, the damage suffered by Li Mou of the correct treatment should be ()
Even though it is not the case, it is not the case of the damage suffered by Li Mou. should be (）
A by company B is responsible for compensation
B by the original A mall purchaser is responsible for compensation
C by Li Mou own responsibility
D by the original A mall supplier is responsible for compensation
9, in the process of the contract formation, the main terms of a party to enter into the contract to the other side of the contracting proposal of the clear expression of the intention, is called ()
9、In the contract formation procedures, one party on the main terms of the contract, to the other side of the contracting proposals, was (
A Conclusion B Undertaking C Offer D Commitment
10, according to China's anti-unfair competition law, the government and its subordinate departments use their administrative rights to restrict others to buy the goods of their designated operators, and restrict the legitimate business activities of other operators, the penalties taken against them are (
A Confiscation of proceeds B Ordered by the higher authorities to correct the C Compensate the infringer for the loss of the infringer D Fine
11. If the qualification certificate holder obtains the qualification certificate by cheating, bribery or other improper means, according to the "Regulations on the Administration of Insurance Marketers", the punishment will be ()
A The CIRC will revoke and withdraw the qualification certificate according to the law, and give a warning to the holder, and he/she will not be allowed to apply for the qualification certificate from CIRC within 3 years
B CIRC will not be allowed to apply for the qualification certificate for three years
.B CIRC revokes and withdraws its qualification certificate in accordance with the law and gives a warning, and the certificate holder is not allowed to apply for a qualification certificate from CIRC within 1 year
C CIRC revokes and withdraws its qualification certificate in accordance with the law and imposes a fine
D CIRC revokes and withdraws its qualification certificate in accordance with the law and imposes a disciplinary sanction
12. According to the "Regulations on the Administration of Insurance Marketers", the exhibition license is subject to ( )
A quarterly review system B half-yearly review system C monthly review system D annual review system
13. According to the "Regulations on the Administration of Insurance Marketers", the size of the business scope and sales area of the exhibition license in relation to that of the business scope and area of the business license of the insurance company to which it belongs is ( )
A the former must be less than or equal to the latter B the former must be less than or equal to the latter B. The former must be smaller than the latter
C. The former must be equal to the latter D. The former must be larger than the latter
14. According to the "Regulations on the Administration of Insurance Marketers", an insurance marketer engaging in insurance marketing activities shall (）
A Abide by the laws, administrative regulations and the relevant provisions of the State Administration for Industry and Commerce (SAIC)
B. Abide by the laws, administrative regulations and relevant provisions of the insurance company to which he belongs
B. C. Comply with the laws, administrative regulations and the relevant provisions of the CIRC
D. Comply with the laws, administrative regulations and the relevant provisions of the Insurance Association
15. To obtain the Certificate of Competency of the CIRC, those who have taken the qualification examination for insurance agency practitioners and passed the examination should fulfill one of the following basic conditions. )
A Moral Model
B Marketing Master
C Industry Pioneer
D Good Conduct
16, an insured to 60,000 yuan worth of property to the A and B insurance companies to insure the fire insurance, the A insurance company underwrites 40,000 yuan, the B insurance company underwrites 60,000 yuan, if there is a 50,000 yuan of actual loss to the limit of liability to share, the B insurance company to pay the If the actual loss is $50,000, the amount to be paid by insurance company B will be ()
A 50,000 yuan B 40,000 yuan
C 27,800 yuan D 22,200 yuan
17、 In the universal insurance policy, the types of fees that can be charged by the policy include ()（）etc.
A Initial fees, savings premiums, policy administration fees, fees, and surrender charges
B Initial fees, finance charges, policy administration fees, and surrender charges
B Initial fees, finance charges, policy administration fees, and surrender charges. Initial fee, finance charge, policy administration fee, handling fee and surrender fee
C Initial fee, risk premium, policy administration fee, handling fee and surrender fee
D Initial fee, protection fund, policy administration fee, handling fee and surrender fee
18. The implementation date of the Regulations on the Administration of Insurance Marketers is ()（）
A June 1, 2006 1 B July 1, 2006
C August 1, 2006 D September 1, 2006
19. In health insurance, its main business risks originate not only from the insured, but also from medical service providers, whose
manifestation vehicle for the risks posed by the latter is ()
A Quantity and qualifications of medical services
B Quantity and price of medical services
C Quality and location of medical services
D Quality and time of medical services
20 According to China's Consumer Rights and Interests Protection Law, for commodities that may jeopardize the safety of the consumer's person and property, the measures that should be taken by the business
operator are ()
A Listening to the consumer's A listen to consumers' opinions and consciously accept supervision
B provide consumers with true publicity of the quality of goods
C provide consumers with true instructions and clear warnings, and explain the correct use and prevention of danger
D immediately report to the relevant administrative departments and inform consumers, and to take measures to prevent the danger from occurring
21, the simple life insurance If the insured dies during the period, the insurer will be liable for the insurance policy only after a certain period of time has elapsed ()
A不负付保险金责任但应退还现金价值
B不负付保险金责任或减少给支付的金额
C負支付保险金责任，但必须加倍补付 Premiums
D Negative responsibility for the payment of benefits, but must be held responsible for underwriting
22, according to China's insurance law, long-term health insurance business operators include () and so on
A property insurance companies
B credit insurance companies
C liability insurance companies
D life insurance companies
23、In annuity insurance, the purpose of designing variable annuity insurance is to ()
A maintain the advantages of fixed annuities of increasing the level of protection under inflation
B overcome the disadvantages of fixed annuities of decreasing the amount of annuities under inflation
C overcome the disadvantages of fixed annuities of decreasing the level of protection under inflation
D maintain the advantages of fixed annuities of increasing the level of protection under inflation
D keep the fixed annuities of The advantage of increasing the amount of annuity under inflation
24. Compared with other types of critical illness insurance, the outstanding advantage of additional benefit type critical illness insurance is ()
A Expense coverage always exists
B Death coverage always exists
C Disability coverage always exists
D Critical illness coverage always exists
25, A person insured his own car with a basic motor vehicle insurance policy, during the insurance period, because the insured vehicle hit a tree, the car in the cargo fell and injured a bicyclist, resulting in the loss of the cargo, the bicycle and the loss of the bicyclist's medical expenses, then the insurance company to deal with the opinion should be ()
A compensation for the loss of the cargo, the bicycle and the loss of the bicyclist's medical expenses
B compensation for the loss of the bicycle and the loss of the bicyclist's medical expenses p> B compensate for the loss of the bicycle and the loss of the cyclist's medical expenses
C compensate for the loss of the goods and the cyclist's medical expenses
D is not responsible for the compensation
26, in the income protection insurance, the insurer's benefit amount is generally a maximum limit, and the limit is lower than the insured person's normal level of income before the disability. The direct purpose of the insurer's stipulation of the maximum limit is to ()
A to induce the insured to make up for the loss of income as soon as possible
B to induce the insured to return to work as soon as possible
C to induce the insured to try his best to speed up the speed of recovery
D to induce the insured to try to save money on the cost of treatment
27. In our country, according to the entrustment of the insurer, the insurer is charged a Insurer to collect fees, and within the scope of the insurer's authorization on behalf of the insurance business of the units and individuals, was made ()
A insurance agent B insurance economist
C insurance adjuster D insurance intermediary
28, in accordance with the "Chinese People's Republic of China *** and the State of Insurance Law", China's insurance regulator is ()
A The People's Bank of China and its branches
B China Insurance Association
C The Ministry of Finance of the People's Republic of China
D The China Insurance Regulatory Commission and its dispatched agencies
29, in the health insurance insurer due to medical expenses incurred for medical treatment of disease, the provisions of the responsibility to pay the corresponding medical insurance benefits for disease, the responsibility The responsibility belongs to (）
A Additional Responsibility of Health Insurance
B Basic Responsibility of Health Insurance
C Special Responsibility of Health Insurance
D Special Responsibility of Health Insurance
30. The insurance agent sells the insurance policy on behalf of the insurance agent, and collects the insurance premiums, etc., based on the authorization of the beneficiary of the insurance agent's contract
B Insurance agent's contract
C The insurance agent is authorized by the beneficiary of the contract. p>
B the authorization of the Insurance Commission in the insurance agency contract
C the authorization of the policyholder in the insurance agency contract
D the authorization of the insurer in the insurance agency contract
31, the insured foresees that the injury is about to occur, and technically cannot take measures to avoid it, or the insurer has already encountered that the injury is about to occur, and technically can take measures to avoid it, but due to the law or duty requirement, the insurer can take measures to avoid it. However, due to the provisions of the law or duty, can not be avoided, which indicates that the occurrence of the injury against ()
A the insured's subjective will
B the insured's objective will
C the insured's psychological expectations
D the insured's ability to withstand
32, in the insurance practice, the marine transportation of goods insurance in China "Warehouse to warehouse clause" is usually limited to ()
A the size of the insurance amount
B the place of insurance liability
C the length of the insurance period
D the location of the subject matter of the insurance
33, in the insurance accident, the simultaneous occurrence of a variety of causes leading to loss, and the occurrence of each cause is not preceded by the occurrence of the cause. In an insurance accident, the occurrence of multiple causes leads to loss, and the occurrence of each cause has no precedence over the other, and all of them play a decisive role in the loss. If all these causes belong to the insured risks, the insurer's correct way of dealing with the loss is to (）
A Not to be indemnified B Partially indemnified C Completely indemnified D Proportionally indemnified
34. A person who applies for a policy to insure a copy of the insurance of bodily injury in addition to his body and the insurance amount of 1,000,000 yuan, and the occurrence of an accident in the insurance term After the accidental injury, the insured's degree of disability is 10% as determined by the relevant departments. The insurer pays the premium amount of ()
A 200,000 yuan B 900,000 yuan C 100,000 yuan D 1,000,000 yuan
35, in China, one of the characteristics of the investment-linked insurance products is ()
A should be determined at least once a year to the insurance coverage of the policy
B should be determined at least once a quarter to the insurance coverage of the policy
C should be determined at least once every three years to the insurance coverage of the policy
C The insurance coverage of the policy should be determined at least once every three years
D The insurance coverage of the policy should be determined at least once a month
36、According to the "Regulations on the Management of Insurance Marketers", a sound management system of the insurance marketers and the management files of the insurance marketers should be established and a timely, accurate, and complete registration of the insurance marketers' basic personal information, training and education, business situation, rewards and punishments, etc. The main body with this responsibility is ()
A Insurance Association
B CIRC
C Insurance Company
D Social Training Organization
37、Compared with the re-conclusion of the insurance contract, the reinstatement of the insurance contract is more conducive to the ()
A Insured B Agent C Broker D Insurer
38、In the case of long-term life insurance, the policyholders are required to pay for the insurance contract in a timely and accurate manner, and the policyholders are required to pay for the insurance contract in a timely manner. Long-term life insurance, the policyholder in the insurance policy pledge loan, the right of possession of the insurance policy is attributed to ()
A attributable to the debtor B attributable to the third party C attributable to the creditor D attributable to the guarantor
39, in the life insurance business, the subject matter of the personal accident insurance is ()
A insured's life B insured's body
C insured ability
p> C the ability of the insured D the health of the insured
40, in universal insurance, the policy cycle (usually one month for a cycle) repeats itself, once the cash value is insufficient to pay the death benefit contribution and expenses, and there is no new premium payment, the policy will be ()
A invalidated B discharged C terminated D automatically loaned
41, according to the According to the Guidelines on Professional Ethics for Insurance Agency Practitioners issued by the CIRC, among the seven ethical principles of the professional ethics sector of insurance agency practitioners in China are () and so on
A Principle of Friendly Cooperation
B Principle of Independent Practice
C Principle of Keeping Confidentiality
D Principle of Objectivity and Impartiality
42、When concluding an insurance contract The policyholder and the insurer have determined the value of the subject matter of the insurance and set out in the contract of insurance is ()
A fixed-value insurance contract
B quantitative insurance contract
C fixed-amount insurance contract
D full-amount insurance contract
43, in the life insurance practice, neither medical examination is required nor the need to provide other guarantees of proof of the insurance ()
C the principle of objectivity
43, the life insurance practice, neither medical examination nor other guarantees of proof of the insurance () A Whole Life Insurance
B Group Life Insurance
C Term Death Insurance
D Full Life Insurance
44. In long-term life insurance, after the policyholder changes the original policy into a paid-up policy, the insurance period will be ()
A Starting from the stopping of premiums to the time of discontinuance of original policy
B Starting from the stopping of premiums to the time of discontinuance of the original policy
B From the suspension of premium payment to the expiration of the original policy
C From the first premium payment to the expiration of the original policy
D From the first premium payment to the suspension of premium payment
45, according to the "Regulations for the Administration of Insurance Agencies", insurance agencies can take the form of organization, including () and so on
A Mutual Company B Wholly State-Owned Company
C Sole proprietorship company D Joint-stock company
46, in risk management, loss refers to ()
A Economic loss B Moral blow C Political persecution D Depreciation
47, the best form of scientific management of farming risk is ()
A Centralized captive breeding
B Free grazing
C Farming Insurance
D Bank microfinance
48, a kind of guarantee insurance to cover the employer's financial losses due to the dishonest behavior of employees is ()
A Fidelity Guarantee Insurance
B Contractual Guarantee Insurance
C Occupational Guarantee Insurance
D Product Guarantee Insurance
49, the public liability insurance There are many kinds of public liability insurance, public liability insurance does not include the types of insurance are ()
A Contractor's liability insurance
B Premises liability insurance
C Personal liability insurance
D Product liability insurance
50, from the nature of the scope of the risk of the goods transportation insurance cover includes ()
A Both in the static state of the bongxian, and
B both natural disasters and accidents caused by objective risks, and subjective risks caused by external causes
C both marine risks, and land and air risks
D both property and interest risks, and liability risks
51, from a legal point of view, the insurance agent in the agency contract authorization Within the scope of the agency contract, the insurance agent carries out business on behalf of (）
A the interests of the beneficiary
B the interests of the insured
C the interests of the insured
D the interests of the insurer
52、In the constituent elements of accidental injuries, the harm-causing object in a certain way of destructive contact, the effect of the insured's physical The objective fact is called ()
A infringement of the fact
B infringement of the object
C infringement of the degree of
D harm caused by the object
53, the policyholder to take out an insurance policy, if the insurer will be the policyholder's property, the family situation leaked out and lead to the policyholder's financial losses, the policyholder has the right to demand compensation from the insurer, the reason is ()
A the insurer has not fulfilled the obligation to guarantee for the policyholder
B the insurer has not fulfilled the obligation to protect the policyholder
C the insurer has not fulfilled the obligation to protect the policyholder's confidentiality
D the insurer has not fulfilled the obligation to sign the policy in a timely manner
54, an enterprise to take out a comprehensive insurance policy for enterprise property insurance, the insurance period because of the mudslides and the loss occurred, the rescued property amounted to 100,000 dollars. After rescuing the rescued property for 1 million yuan, of which 800,000 yuan of insured property, *** spent 500,000 yuan of salvage costs, in the case of fully insured, the insurer's payout for the salvage costs is ()
A 800,000 yuan B 1,300,000 yuan C 500,000 yuan D 400,000 yuan
55, insurance agent practitioner certificate holders apply for reissuance, they should be submitted to the One of the materials is (）
A relevant proof of follow-up education for each of the previous three years
B relevant proof of follow-up education for each of the previous one year
C relevant proof of follow-up education for each of the previous five years
D relevant proof of follow-up education for each of the previous seven years
56、Insurance In the customer service, the insurer helps the life insurance policyholder to fill in the policy, explains the insurance terms accurately, conducts free medical examination, packages and delivers the policy, and handles the automatic payment procedures for the customers, etc. These service activities belong to ()
A After-sales service
B Additional service
C In-sales service
D Pre-sales service
57、When the subject matter of the insurance policy suffers loss due to an Insurance accident caused damage, according to law should be the third party to bear the liability, the insurer from the date of payment of compensation, within the limits of the amount of compensation, according to law to obtain the third party liable for property damage to request compensation, this right is called ()
A subrogation right of use B subrogation right of beneficiary C subrogation right of claim D subrogation right of management
58、According to the General Principles of the Civil Code The provisions of the General Principles of Civil Law, applicable to be a ward is ()
A Insured person B Disabled person C Fully civil capacity D Minor mentally ill person
59、In risk management, the main contents of risk identification include ()
A Predicting risk and eliminating risk
B Perceiving risk and analyzing risk
C Perceiving risk and Elimination of risk
D Analysis of risk and elimination of risk
60, in the insurance contract, the carrier of the insurance interest is ()
A insurance subject B insurance object C insurance value D insurance interest
61, with the conditions of the release of the civil legal act, for the release of the conditions are not established, the civil legal act ()
A continue to be effective B Invalid C void from the beginning D start to take effect
62, usually, the ordinary property insurance insurance period for ()
A one year or less
B one year or more than one year
C more than one year and less than five years
D one year or indeterminate
63, in general, after the insurance contract comes into effect, the policyholder or the The insured lost the insurance interest in the subject matter of the insurance, the insurance contract lapses, but the following insurance exceptions are ()
A personal insurance B business insurance C automobile insurance D liability insurance
64. Ding a 450,000 yuan of housing to the bank mortgage loan of 300,000 yuan, the loan contract for 10 years, the monthly repayment of 3,500 yuan, the bank on the mortgaged house to the The insurance company purchased insurance, 15 months after the mortgage insurance, the house suffered a total loss by fire, the insurance company to pay Ding a claim (without taking into account the depreciation) should be ( )
A. 247,500 yuan B. 300,000 yuan C. 525,000 yuan D. 450,000 yuan
65. If the insured person has a smoking, alcoholism and other bad habits or engaged in car racing, parachute jumping, mountaineering, If the insured has bad habits such as smoking, alcoholism or hobbies such as racing, skydiving, mountaineering, surfing, etc., the underwriters usually do not choose to deal with the way ( )
A. listed as an exclusion B. underwrite the insurance at the standard rate
C. increase the rate D. refused to underwrite the insurance
66. According to China's Anti-Unfair Competition Law defines the operator, the following organizations are operators are
A. insurance industry associations B. insurance companies
C.Insurance regulatory bodies D.Insurance marketing and operating clubs
67.The interpretation of the terms of the contract according to the true meaning of the parties to the insurance contract entering into the insurance contract is ( )
A.Legislative interpretation B.Professional interpretation
C.Intentional interpretation D.Literary interpretation
68.During the period of validity of the insurance contract, when the When the insured fails to fulfill the obligation to notify the risk, the insurer has the right to ( )
A. change the contract B. declare the contract to be terminated
C. not be liable for the loss of the subject matter of the insurance due to the increase in the degree of risk
D. declare the contract invalid
69. In a life insurance contract, the policyholder shall obtain the consent of a third party other than the two parties to the change of beneficiary, and the third party shall give its consent. In the life insurance contract, the policyholder should obtain the consent of a third party other than the two parties, which is ( )
A. original beneficiary B. insurance regulator
C. the insured D. the insurer
70.The insurance industry self-regulatory organization belongs to the nature of the ( )
A. economic entity B. administrative organization
C. unofficial association D. official organization
71.71.The temporary insurance certificate erected by the insurer before the issuance of the formal insurance policy is called ( ）
A.Insurance Certificate B.Insurance Policy
C.Provisional Insurance Policy D.Insurance Policy
72.In essence, the professional ethics of insurance agency practitioners is ( ）
A.Insurance Agency Practitioner's Professional Quality
B. The professional spirit of insurance agent practitioners
C. The concrete manifestation of ideological morality in the professional life of insurance agents
D. The concrete manifestation of social morality in the professional life of insurance agents
73. China's insurance legislation requires that the insured party to fulfill its obligation to inform in the form of ( )
A. Explicit statement B. Question and answer
C.Unlimited notification D.Objective notification
74.The only way for the beneficiary to obtain the right to benefit ( )
A.Determined by economic awesome relationship B.Designated by the insured or policyholder through the insurance contract
C.Determined by blood relationship D.Determined according to law
75.According to China's home property insurance, the house and indoor appurtenances, The insurance value of interior decoration is determined on the basis of ( )
A. Cost price B. Self-assessment price
C. Acquisition price D. Replacement value at the time of insurance
76. According to the "Provisions on the Administration of Insurance Agency", when an insurance agency enters into the liquidation procedure according to the law, it should be submitted by the liquidation group to CIRC for the relevant materials, then in addition to the "application, liquidation plan and the original license", the insurance agency should submit the materials are ( )
A. various documents and certificates issued by the insurance agency company
B. the certificate issued by the represented insurance company to recover various documents and other materials
C. the insurance agency organization The insurance agency in the previous two years to fulfill the insurance agency and then the same description of the situation
D. Senior management qualification application information
77. According to China's insurance law, the types of property insurance mainly include ( )
A. Property damage insurance, liability insurance and accidental injury insurance
B. Property damage insurance, credit insurance and accidental injury insurance
C. Property insurance, credit insurance and accidental injury insurance
C. Property damage insurance, credit insurance and accidental injury insurance
C. p>
C. Property damage insurance, liability insurance and health insurance
D. Property damage insurance, liability insurance, credit insurance and warranty insurance
78. The sign that reflects the existence of the insurance relationship between the two parties to the insurance policy is ( )
A. Amount of the insurance policy B. Insurance contract C. Period of the insurance policy D. Object of the insurance policy
79. In a long-term life insurance policy In the process of changing the original insurance policy to an unrenewed insurance policy, the factor that determines the insurance period is ( )
A. Amount of premium B. Amount of insurance C. Cash value D. Insurance liability
80. According to the "Compulsory Insurance Provisions for Motor Vehicle Traffic Accident Liability Insurance", the CIRC, the Public Security Department of the State Council, the State Council's Agricultural Supervisor, and other relevant departments should gradually establish the compulsory insurance for motor vehicle traffic accidents, and the insurance contract should be signed by the insurance company. Compulsory insurance of liability for motor vehicle traffic accidents, road traffic safety violations and road traffic accidents ( )
A. Risk sharing mechanism B. Benefit *** enjoyment mechanism
C. Crisis management mechanism D. Information *** enjoyment mechanism
Two Judgment questions: ***20 questions, 1 point per sub-topic, ***20 points. 1 point for correct judgment, 0 points for wrong judgment
1. According to China's Insurance Law, the provisions of the Insurance Law shall apply to Sino-foreign joint venture insurance companies, wholly state-owned insurance companies, and branches of domestic insurance companies: if otherwise provided by laws and administrative regulations, the Insurance Law shall also be the main ()
2. According to the provisions of China's Insurance Law, in the case of property insurance, the insurance After the occurrence of the accident, the insured to prevent or reduce the loss of the subject matter of the insurance to pay the necessary and reasonable expenses borne by the insurer; the amount borne by the insurer and the amount of compensation for the loss of the subject matter of the insurance are combined. The sum of the two shall not exceed the maximum amount of the insurance amount ()
3. According to the provisions of China's Insurance Law, insurance companies shall follow the principle of fair competition in carrying out their business and shall not engage in unfair competition ()
4. According to the provisions of China's Insurance Law, insurance companies shall have the scope of their business as property insurance business and personal insurance business ()
5. China's Insurance Law, the insurance value of the subject matter of a property insurance contract can be agreed upon by the policyholder and the insurer and set forth in the contract, or it can be determined in accordance with the balance of the replacement value of the subject matter of the insurance at the time of the occurrence of the insurance accident minus the actual value ()
6. According to the provisions of China's Insurance Law, in the case of a personal insurance contract, where the beneficiary dies prior to the insured person and there is no other beneficiary, the The insurance money, as the unclaimed estate of the insured, shall be paid by the insurer to the social charitable organizations ()
7. According to the provisions of China's Insurance Law, if the policyholder, the insured or the beneficiary panics and claims that there is an insurance accident when there is no insurance accident, cheats for the insurance money, and carries out the insurance fraudulent activities, which constitutes a crime, he shall be investigated for criminal responsibility according to the law ()
8. According to China's Insurance Law, if an insurance company changes its contributors or shareholders holding more than five percent of the company's shares, it must be approved by the board of directors of the insurance company ()
9. According to China's Insurance Law, the insurance company's retained premiums for the year in which the insurance company operates the property insurance business shall not exceed four times the sum of its own capital stock and provident fund ()
10. Insurance Law, an insurance agent shall not be liable for the insurance business if he/she acts beyond his/her agency authority on behalf of the insurer, regardless of whether the policyholder has reason to believe that he/she has the agency authority and has finalized the insurance contract ( )
11. According to China's Insurance Law, after the insurance supervisory and regulatory authority has made a decision on the time limit for correction of the insurance company that has violated the regulations. If the insurance company fails to make corrections within the deadline, the insurance supervision and management organization decides to select the insurance professional's designation of the insurance company's relevant personnel. Form a rectification organization to rectify the insurance company ()
12. According to the provisions of China's "Insurance Law", the insurer of the insured or beneficiary of the compensation or payment of insurance premiums for the approval of the request, the insurance contract land insurance amount and compensation or payment period has agreed, the insurer shall, within thirty days, to fulfill the obligation to compensate or pay the insurance premiums ()
13. According to China's "Insurance Law", in the property insurance contract, the insurer to the insured to compensate the insurance premium, the insured without the consent of the insurer to give up the right to request compensation to a third party, the insurer's economic losses due to this behavior by the insured ()
14. According to China's "Insurance Law", the insurance company is bankrupt according to the law, the bankruptcy estate shall firstly pay for the bankruptcy expenses. According to the provisions of China's Insurance Law, in the personal insurance contract, if the contract is suspended due to non-payment of premiums by the policyholder, the contract will be reinstated after the insurer and the policyholder reach an agreement through negotiation and the policyholder pays the premiums. However, if no agreement is reached within two years from the date of suspension of the contract, the insurer has the right to file a lawsuit against the insurer. ( )
16. According to the provisions of China's Insurance Law can, insurance agent fees and brokerage commissions, can be paid to legally qualified insurance agents, insurance brokers, can also be paid to other people. ( )
17. According to China's "Insurance Law", the policyholder, insured or beneficiary intentionally cause the death, disability or disease of the insured person and other personal insurance accidents, fraudulent insurance benefits, insurance fraud activities, constituting a crime, shall be investigated for administrative responsibility. ( )
18. According to China's Insurance Law, insurance agents and insurance brokers shall not make use of their administrative rights, positions or professional convenience and other improper means to force, induce or restrict the policyholder to enter into an insurance contract in handling insurance business. ( )
19. According to the provisions of China's Insurance Law, insurance companies and their staff in the insurance business to conceal important information related to the
insurance contract, deceiving the policyholder, insured or beneficiary, or refusing to fulfill the
insurance contract agreed obligation to compensate or ki auxiliary insurance premiums, the circumstances are serious, you can revoke the
position of the personnel
of some people.
position, but not to limit the scope of business of the insurance company fire ordered to stop accepting new business. ( )
20. According to China's "Insurance Law", the insurance contract should include a number of statutory matters, one of the insurer's name and domicile. ( )