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Mock Test Paper (I)
I. Single Choice Questions: Of the 4 options given in each of the following sub-questions, only 1 best meets the requirements of the question, please fill in the code of the correct option in parentheses
1. Proximate cause refers to ().
A. the most direct, effective and decisive cause
B. the cause that is closest in time
C. the cause that is closest in space
D. the cause that is closest in time and space
Correct Answer:A
2. The difference between social insurance and commercial life insurance lies in().
A. the different material basis for the establishment of an insurance fund
B. the different nature of the risk
C. the different principles emphasized by insurance
D. the different mathematical and theoretical bases for the setting of insurance rates
Correct Answer:C
3. according to the provisions of the Insurance Law, the form of organization of the insurer in China is().
A. Mutual insurance companies and wholly state-owned companies
B. Wholly state-owned companies and joint-stock companies
C. Joint-stock companies and individual insurers
D. Individual insurers and insurance co-operatives
Correct Answer:B
4. In our country, the public liability insurance for the liability for property damage provides for the indemnity Deductible, according to the regulations, this form of deductible is ().
A. Absolute Deductible
B. Proportional Deductible
C. Statutory Deductible
D. Relative Deductible
Correct Answer:A
5. Among the following insurance contracts, the one that can not be canceled from the beginning of the insurance liability is ().
A. Home property insurance contract
B. Motor vehicle insurance contract
C. Cargo transportation insurance contract
D. Personal accident insurance contract
Correct Answer:C
6. A person buys an automobile and takes out a motor vehicle insurance policy in the name of an individual from an insurance company, and then rents out the vehicle to a person named Wang. Wang Mou to use. The insurer does not agree to pay for the damage caused by an insured accident while Wang is using the car because().
A. The insured vehicle was transferred to another person without prior notice to the insurer
B. The insured vehicle was given to another person without prior notice to the insurer
C. The insured vehicle was changed in use without prior notice to the insurer
D. The insured vehicle was increased in hazardousness without prior notice to the insurer
Correct Answer:C
The insured vehicle was rented to Wang Mou by the insurer. 7. A summary table consisting of the death rates at each age, prepared on the basis of mortality statistics for all ages in a particular area over a certain period of time in the past, is known as a ().
A. National Life Table
B. Empirical Life Table
C. Probabilistic Life Table
D. Life Insurance Life Table
Correct Answer:A
8. Wang Mou took out a personal accident insurance policy with Insurance Company A, and paid a premium of 50 yuan according to the agreement, and when Wang suffered an accident during the period of the insurance. According to the terms of the insurance contract, the right to make a claim to the insurance company, which shows that the insurance contract is ().
A. Two-way contract
B. Dual contract
C. Win-win contract
D. Bilateral contract
Correct Answer:B
9. The premium rate for property insurance is usually made up of two parts, i.e., the pure rate and the rate ().
A. Additional rate
B. Expected rate
C. Taxes
D. Operating rate
Correct Answer:A
10. A television set insured at the time of the market price and the amount of insurance for 50,000 yuan, the market price of the occurrence of the insurance accident of 20,000 yuan, the insurer at most compensation ().
A. 50,000 yuan
B. 20,000 yuan
C. 30,000 yuan
D. 0.8 million yuan
Correct Answer:B
11. In the life insurance underwriting, the insurer of the insured's work environment, occupation, habits, habits, economic status and social status of the investigation of the practice, known as (). ).
A. Medical test
B. Business test
C. Financial test
D. Contract test
Correct Answer:B
12. Generally speaking, the policyholder does not have an interest in ().
A. Person
B. Parent
C. Child
D. Colleague
Correct Answer:D
13. When the subject matter of the insurance has a presumptive total loss, if the insured requests the insurer to pay according to the total loss, it will first issue a ().
A. Notice of Insurance
B. Notice of Claim
C. Notice of Commitment
D. List of Losses
Correct Answer:C
14. In accordance with the relevant provisions of China's insurance management, when an insurance company is in serious danger of solvency, the insurance supervisory department shall take the supervisory measures are ().
A. Rectification
B. Takeover
C. Dissolution
D. Liquidation
Correct Answer:A
15. Some of the following statements on the difference between an insurance agent and an insurance broker are wrong ().
A. The former is the representative of the insurer while the latter is the representative of the insured
B. The commission of the former is paid by the insurer while the commission of the latter is paid by the insurance company accepting its business
C. The products sold by the former agent are specified by the insurer itself while the insurance company with which the latter is required to take out the policy depends on the actual need
D. The commission of both is paid by the insurance company
D. D. Both are paid commission by the insurer
Correct Answer:D
16. A hotel has taken out a product liability insurance policy with an insurance company for a beverage it produces, and the insurer's assumption of responsibility under the product liability insurance policy stipulates that the place where the liability incident occurs must be ().
A. Occurring in a place other than the place where the insured manufactures the product
B. Occurring in a place other than the place where the insured sells the product
C. Occurring in a hotel
D. Occurring anywhere
Correct Answer:D
17. The market value of a house and the amount of insurance for the insured is 500,000 yuan. In the event of an insurance accident total loss, the market value at the time of total loss is 600,000 yuan, the insurer shall pay ().
A. 300,000 yuan
B. 400,000 yuan
C. 500,000 yuan
D. 600,000 yuan
Correct Answer:C
18. The only insurance organization in the world that operates insurance business for the natural person, is ().
A．American AIA
B．Munich Re
C．Lloyd's of England
D．Hang Kang Life
Correct Answer:C
19．The registered capital and provident fund of a commercial insurance company is usually referred to as the ().
A. External Capital
B. Own Capital
C. Liability Capital
D. Indemnity Reserve
Correct Answer:B
20. In the case of subrogation in rem, the proceeds obtained by the insurer from burying the damaged subject matter exceeds the amount of the insurance payout, and then the ownership of the exceeding portion belongs to the ().
A. The insured
B. The insurer and the insured
C. The insurer
D. The third party who caused the loss
Correct Answer:A
21. A risk of over-indemnity reinsurance provides for a ceded company's deductibles to be 3 million dollars, and a ceded company's liability amount to be 6 million dollars, and if a peril unit occurs for $2 million, the ceding company pays ().
A. 0 million dollars
B. 1 million dollars
C. 2 million dollars
D. 3 million dollars
Correct Answer:A
22. A subderivative company enters into a five-line excess reinsurance contract with a reinsurance company, which provides for a $200,000 retention by the subderivative company. There is an existing business of $1,000,000 with a premium of $50,000, and if an insurance claim of $800,000 occurs, the ceding company's retention and excess are ().
A. 10,000 yuan and 160,000 yuan
B. 20,000 yuan and 320,000 yuan
C. 30,000 yuan and 480,000 yuan
D. 40,000 yuan and 640,000 yuan
Correct Answer:A
23. Yu a certain person purchased a truck, the purchase price of the new car for 200,000 yuan, the purchase of the car Yu a certain person first to the insurance company to insure motor vehicle insurance. At the time of purchase, he first took out a motor vehicle insurance policy with Insurance Company A for 180,000 yuan, and then he took out a motor vehicle insurance policy with Insurance Company B for 200,000 yuan. According to the relationship between the insurance amount and the validity of the insurance contract, the validity status of the two contracts is ().
A．The two insurance contracts are all valid
B．The two insurance contracts are all invalid
C．The two insurance are partially invalid
D．The first insurance contract is valid in its entirety, and the second one is partially valid
Correct Answer:A
24．In the domestic cargo insurance, the insured's claim is limited to two years. The statute of limitations is set at 2 years, which begins on ().
A. The day after the occurrence of the insurance accident
B. The day after the occurrence of the insured loss
C. The day after the insured learns of the loss
D. The day after the insured sends out the notice of claim
Correct Answer:C
25. The content of the insurance contract recorded in the insurance policy generally includes ().
A. the subject matter of the insurance, the insured value, the insurance amount and the insurance period
B. the subject matter of the insurance, the insurance liability, the premium and the insurance period
C. the items of the insurance, the insurance liability, the exclusions and the accompanying documents
D. the insurer and insured, the subject matter of the insurance, the insurance liability
Correct Answer:D
26.() refers to the liability of the insurance company for the maximum range of losses that may be caused by a single insurance incident.
A. Unit of Hazard
B. Limit of Indemnity
C. Amount of Insurance
D. Solvency
Correct Answer:B
27. In accidental injury insurance, if the sum of percentage of disability of each part is more than 100 percent, the disability insurance benefit will be paid according to ().
A. 1 times the insured amount
B. not more than 2 times the insured amount
C. according to the single highest rate of disability
D. according to a number of weighted average rate
Correct Answer:A
28. In order to ensure the solvency of the insurance company, the law of many countries on the insurance company's self-retention of the size of the premiums stipulated. According to China's "Insurance Law" to calculate the retained premiums, the insurance company operating property insurance business in the current year, retained premiums shall not exceed the total of its capital plus provident fund is the ratio of ().
A. 2 times
B. 3 times
C. 4 times
D. 5 times
Correct Answer:C
29. a construction company in the construction of a highway in the process of the construction of the blasting caused a large number of stone shooting down the construction site near the plant's house (belong to the subject matter of the insurance), as well as other property (does not belong to the subject matter of the insurance), then a construction company in the course of building a highway, the construction blasting caused a large number of rock shooting down the site near the house (belong to the subject matter of the insurance) and other property (does not belong to the subject matter of the insurance). Subject matter of insurance), the insurer of the factory property insurance comprehensive insurance for such losses ().
A. No compensation
B. Compensation according to the responsibility of falling objects in the air
C. Compensation according to the responsibility of the explosion
D. Compensation for the loss of other property only, no compensation for the house
Correct Answer:C
30. The total value of the construction work is determined on the basis of the so-called total value of the construction work refers to ().
A. The amount of the contract for the construction project
B. The accounting price of the construction project
C. The total cost of the construction project
D. The total price of the construction project at the time of completion of the construction project
Correct Answer:D
31. in the economic activity of the insurance, the insurer with the insurer to enter into a contract of insurance and has the obligation to pay premiums to the insurer is (). person is ().
A. Insurance brokers
B. Insurance agents
C. Insured persons
D. Policyholders
Correct Answer:D
32. A person suffering from a family genetic disease does not explain his condition to the insurer when he applies for a life insurance policy, which results in the insurer underwriting the policy at the normal rate. This practice of the policyholder is called ().
A. Anti-selective insurance
B. High-risk insurance
C. Controlled insurance
D. Excessive insurance
Correct Answer:A
33. The dividends received by the insured of participating insurance belong to the nature of the dividend ().
A. The operating results of the insurance company
B. The investment income of the insurance funds
C. The cash value of the policy
D. The savings in premium income
Correct Answer:A
34. The property covered by ordinary homeowner's property insurance is ().
A. Securities
B. Jewelry
C. Household goods
D. Documents
Correct Answer:C
35．Aerospace insurance policies usually include ().
A．Material insurance, loss of earnings insurance and third-party liability insurance
B．Basic, comprehensive and third-party liability insurance
C．Personal and property insurance
D．Basic, additional and third-party liability insurance
Correct Answer:A
36．China's Insurance Law stipulates that the policyholder, due to his negligence of failing to If the policyholder, through negligence, fails to fulfill the obligation of truthful notification, which has a serious impact on the occurrence of the insurance accident, the insurer shall be liable for the insurance accident which occurred before the termination of the insurance contract().
A．B．Partial liability for compensation or payment of benefits, no refund of premiums
C．No liability for compensation or payment of benefits, but a refund of premiums
D．No liability for compensation or payment of benefits, no refund of premiums
Correct Answer:C
37. From the perspective of financial management of insurance companies, insurance funds exist in the form of various reserves. As far as life insurance reserves are concerned, the main form of existence of the insurance fund is ().
A. Reserve for claims
B. Reserve for unexpired liabilities
C. General reserve
D. Other reserves
Correct Answer:B
38. The statute of limitations for the insurance benefit of marine transportation cargo insurance is ().
A. From the conclusion of the insurance contract to the termination, the policyholder should always have an insurance interest in the subject matter of the insurance
B. In the conclusion of the insurance contract, the policyholder may not have an insurance interest in the subject matter of the insurance, but the claim must have an interest in the insurance
C. In the conclusion of the insurance contract, the insurance stage of the subject matter of the insurance must have an interest in the insurance, while the claim does not hold
D. From the conclusion of the insurance contract to the termination of the policyholder may not have an interest in the subject matter of the insurance
Correct Answer:B
39. term insurance after the expiration of the insurance period, if the insured person is still alive, the insurance terms of the relevant obligations of the insurer is ().
A. The insurer has no obligation to pay
B. The insurer shall refund the premium
C. The insurer shall refund the cash value
D. The insurer shall pay a survival benefit
Correct Answer:A
40. In the practice of marine transportation of goods insurance, the value of the insurance is generally based on the place of shipment ().
A. the invoice price of the insured goods
B. the invoice price of the insured goods and the sum of freight charges
C. the invoice price of the insured goods and the sum of freight charges and insurance premiums
D. the invoice price of the insured goods and the sum of insurance premiums
correct answer:C
41.The minimum registered capital of the insurance company shall be (A)
40. The minimum amount of registered capital is ().
A. 100 million yuan
B. 200 million yuan
C. 400 million yuan
D. 500 million yuan
Correct Answer:B
42. When a general pharmaceutical product is insured under a product liability policy, the policyholder usually adopts () as the basis of coverage.
A. During the period of occurrence
B. Claims during the period
C. Post-period occurrence
D. Claims after the period
Correct Answer:B
43. Aircraft insurance is generally used in the form of ().
A. Fixed-value insurance
B. Indefinite-value insurance
C. Reinsurance
D. Fixed-value insurance
Correct Answer:A
44. The relationship between the price of insurance substitutes and the rate of premiums and the supply of insurance is manifested in the ().
A. The price of substitutes falls, insurance rates rise, and the supply of insurance decreases
B. The price of substitutes rises, insurance rates fall, and the supply of insurance decreases
C. The price of substitutes falls, insurance rates rise, and the supply of insurance increases
D. The price of substitutes rises, insurance rates fall, and the supply of insurance increases
Correct Answer:B
45. A factory insured against damage to machinery, which exploded due to over-voltage of the machinery during the insurance period, resulting in damage to the workshop and other property, while two of the workers present at the operation were injured, the insurer shall be liable for ().
A. to compensate for the loss of the machine due to over-voltage damage
B. to compensate for the loss of the plant due to the explosion
C. to compensate for the loss of other property due to the explosion
D. to compensate for the medical expenses of the 2 workers present
Correct Answer:A
46. The age requirement for a citizen with full capacity for civil behavior is ().
A. more than 16 years old less than 18 years old
B. more than 16 years old less than 17 years old
C. more than 17 years old less than 18 years old
D. more than 18 years old
Correct Answer:D
47. according to the value of the subject matter of the insurance contract whether the insurance contract is contained in the classification of the insurance contract, the contract can be divided into (). ).
A. Fixed-value insurance contracts and non-fixed-value insurance contracts
B. Fixed-value insurance contracts and compensatory insurance contracts
C. Full-value and non-full-value insurance contracts
D. Fixed-value insurance contracts and non-fixed-value insurance contracts
Correct Answer:B
48. In terms of the elements of the legal relationship of the insurance contract. The object part of the property insurance contract is expressed as ().
A. Liability and exemption from liability
B. Premiums and their payment
C. Compensation or payment of insurance benefits
D. Insurance value and insurance amount
Correct Answer:D
49. The following types of insurance, belonging to the general additional insurance of marine cargo transportation insurance is ().
A. peace of mind
B. theft of lading unavailability of insurance
C. import tariff insurance
D. strike insurance
Correct Answer:B
50. in the calculation of the present value of the discount factor used in the expression is ().
A. V=1/(1+i)
B. V=1/(1-I)
C. V=1/i
D. V=1+i
Correct Answer:A
51. Insurance is a financial arrangement for sharing the loss of an accident, and this definition of insurance is in terms of ().
A. Legal Perspective
B. Social Perspective
C. Economic Perspective
D. Risk Management Perspective
Correct Answer:C
52. According to the usual provisions of the ship insurance terms and conditions, the liability of the general risk of all risks of the ship insurance policy includes () and so on.
A. Improper manning
B. Abandonment of cargo
C. Negligence of the insured
D. Improper equipping or loading
Correct Answer:B
53. According to China's "insurance company's financial system" of the provisions of the insurance business may not withdraw insurance protection fund is ().
A. property insurance and personal accident insurance
B. personal accident insurance and reinsurance
C. reinsurance and life insurance
D. life insurance and long-term health insurance
Correct Answer:D
54．A certain enterprise in the process of production, due to the occurrence of a fire caused by a blackout, the blackout led to the equipment According to the insurance liability clause of the basic insurance of enterprise property, the loss of this equipment ().
A. Fire liability
B. Explosion liability
C. Loss of three stops
D. Loss of salvage
Correct Answer:A
55.life insurance, the policyholder declared the age of the insured person is not true, and its true age does not meet the age limit agreed in the contract, the insurer can cancel the contract. may terminate the contract, except for the period exceeding () from the date of contract formation.
A. 1 year
B. 2 years
C. 3 years
D. 5 years
Correct Answer:B
56. The insurance is known as (), which is based on the insured's financial liability arising from the accidental bodily injury, death, or property damage caused by others in the course of engaging in various business and operation activities.
A. Employer's Liability Insurance
B. Public Liability Insurance
C. Product Liability Insurance
D. Professional Liability Insurance
Correct Answer:D
57. China adopts the way of apportionment of duplicate insurance.
A. Proportionate liability apportionment
B. Limit liability apportionment
C. Sequential liability apportionment
D. Proportionate and limit liability apportionment
Correct Answer:A
58．In accidental injury insurance, when the insured suffers from an accidental injury resulting in disability, the insurer will calculate the amount of benefits payable according to the degree of disability. The insurer will calculate the amount of disability benefit payable to the insured according to the degree of disability. The formula for calculating the disability benefit is ().
A. Mutilation Benefit = Insurance Benefit × Degree of Mutilation (%)
B. Mutilation Benefit = Limit of Indemnity × Degree of Mutilation (%)
C. Mutilation Benefit = Insurance Liability × Degree of Mutilation (%)
D. Mutilation Benefit = Insurance Sum × Degree of Mutilation (%)
Correct Answer:D
59. ．If P denotes the principal, i denotes the interest rate, n denotes the number of interest-bearing periods, I denotes the amount of interest, and S denotes the sum of principal and interest, the formula for calculating simple interest is ().
A. S=P(1+n)
B. S=P(1+ni)
C. S=P(1+i)
D. S=P(1+nI)
Correct Answer:B
60. sailing along the coast and inland waterways of a vessel insured for all risks of the ship, which has been in use for 2 years, in the period of insurance insurance coverage for part of the loss of 30%. The ship has been in use for two years and has suffered a partial loss of 300,000 yuan during the insurance period. If the insurance amount of the insured ship is 15 million yuan, and the market price of a new ship at the time of insurance is 10 million yuan. Not counting the salvage value, then under the 10,000 yuan deductible provision, the insurer's compensation amount is ().
A. 300,000 yuan
B. 290,000 yuan
C. 200,000 yuan
D. 190,000 yuan
Correct Answer:D
61. The four major parts of insurance supervision and regulation, the insurance regulatory body, the insurance industry's self-regulation and the insurance credit rating are collectively referred to as the ().
A. Insurance Supervision Mechanism
B. Insurance Supervision System
C. Insurance Supervision Method
D. Insurance Supervision Objectives
Correct Answer:B
62. The following are parties to the insurance contract ().
A. beneficiaries
B. insurance agents
C. policyholders
D. insurance brokers
Correct Answer:C
63. credit insurance is applicable to the export of consumer manufactured goods, primary products and raw materials for industrial use, and the credit period is generally within 180 days.
A. Pre-shipment credit insurance
B. Post-shipment credit insurance
C. Short-term export credit insurance
D. Medium- and long-term export credit insurance
Correct Answer:C
64. product quality assurance insurance is the subject matter of the insurance ().
A. Liability for personal injury caused by the product to the user
B. Liability for injury caused by the product to the third party
C. Liability for breach of contract of the product quality
D. Liability for property damage caused by the product to the user
Correct Answer:C
65. The liability of the insurance company for each hazardous unit shall not exceed the sum of its own capital plus () of the sum of its provident fund, and the excess should be reinsured.
A. 5%
B. 10%
C. 15%
D. 20%
Correct Answer:B
66．If the government regulates insurance by including the regulation of insurance licenses, this form of regulation belongs to the ()
A. Regulation by announcement
B. Regulation by regulation
B.
C. Entity Regulation
D. Formal Regulation
Correct Answer:C
67. An enterprise takes out an enterprise property insurance policy, and a fire occurs during the insurance period, resulting in a partial loss. According to the provisions of the Insurance Law, within 30 days after the insurance compensation for the loss, the insurance contract can be ().
A. terminated by the beneficiary
B. suspended by the policyholder
C. terminated by the insurer
D. suspended by the insurer
Correct Answer:C
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