美国保险经纪人考试模拟试题
人寿类.法理测试题(二)
What is the “Express power” given to an agent in an agency agreement？
“Express power” 是赋予了经纪代理人 有权代表保险公司的能力。
Restore an insured to the same condition as before a loss is an example of the principle of ____ ?Indemnity
Indemnity，赔偿原则，将被保险人恢复到与损失之前相同的条件。
When deliberate concealment is committed by the insured, the insurer is entitled to
如果被保险人故意隐瞒一些事实，保险公司有权取消合约（Rescind the contract）。
When handling premiums for an insured, an agent is acting in which capacity?
当帮助投保人处理保费的时候，代理经纪人执行了“Fiduciary（信托）”行为能力。
To describe a contract of indemnity, Which is true?
Indemnity，赔偿原则，将被保险人恢复到与损失之前相同的条件。
Which of the following is NOT required in the content of a policy?
保单合同需要记录 参与保险的各方，保单的保障期，以及保障的风险对象，不需要记录的是，发生损失的可能性（Probability of loss）
If a material warranty violation on the part of the insured is found, what recourse does an insurer have?
如果投保人被发现有实际性的违规行为，保险公司可以 撤销保单（Rescind the policy）
A contract requires
一份合同理，需要含有合同条款具体内容和合同条款的接受（An offer and acceptance of the contract terms）
Reasonably necessary acts that an agent must perform for carrying out his/her expressly authorized duties are covered by an agent’s
Implied authority，隐含权限，是未明确授予，没有书面写入的权限，但保险经纪代理人被认为具有代表保险公司开展业务的权限。
The importance of a representation is demonstrated in what rule?
The materiality of concealment， 是用来确定虚假陈述重要性的规则。
Which of the following is NOT a requirement of a contract?
合约里，“有关各方之间需要平等考虑（Equal consideration is required between the involved parties）”这一条是不需要的。
A unilateral contract is one in which
Unilateral Contract ，单方契约，一个单方契约被定义成只有单方意思表示的契约。保险合同是单方面的。这意味着只有一方（保险公司）作出任何形式的可执行承诺。
Which principle is accurately described with the statement “Insureds are entitled to recover an amount NOT greater than the amount of their loss”?
Indemnity，赔偿原则，将被保险人恢复到与损失之前相同的条件，不会超过之前的条件。
Which of the following statements about aleatory contracts is NOT true?
射幸合同（Aleatory Contract），就是指合同当事人一方支付的代价所获得的只是一个机会，对投保人而言，他有可能获得远远大于所支付的保险费的效益，但也可能没有利益可获；对保险人而言，他所赔付的保险金可能远远大于其所收取的保险费，但也可能只收取保险费而不承担支付保险金的责任。保险合同的这种射幸性质是由保险事故的发生具有偶然性的特点决定的，即保险人承保的危险或者保险合同约定的给付保险金的条件的发生与否，均为不确定。举例：一个人购买了伤残保险，那当他受伤的时候会赔付，如果没有受伤这个偶然发生，就不会赔付。
Which of the following contracts is defined as “one that restores an injured party to the condition that was present before the loss”?
Indemnity contract，赔偿合同，将被保险人恢复到与损失之前相同的条件，不会超过之前的条件的合同。
What does the insurance term “indemnity” refer to?
Indemnity，赔偿，将被保险人恢复到与损失之前相同的条件，即，Make Whole。
Which statement is CORRECT when describing a contract of adhesion?
Adhesion contract 定式合同，又称附合合同、附意合同、定不定由你的合同。所以，被保险人可以接受或拒绝合同内容。
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