美国保险经纪人考试模拟试题（一）

Which of following is not considered a definition of risk?

Uncertainty

Exposure to danger

The case of a loss

The potential for loss

Correct! Wrong!

The case of a loss，意思是指，损失已经造成了，就不是“风险”。

Which of the following refers to a condition that increase the chance of a loss？

Adverse selection

Risk

Peril

Hazard

Correct! Wrong!

Hazard，风险，可能增大损失情况。

Which of the following is a situation where there is a possibility of either a loss or a gain?

Hazard(风险因素)

Pure Risk(纯粹风险)

Speculative Risk(投机风险)

Peril(风险事故)

Correct! Wrong!

Speculative Risk(投机风险),可能产生收益，也可能导致损失。

Which of these statements correctly describes risk?

Pure risk is the only insurable risk

Speculative risk is the only insurable risk

Pure and speculative risks are both insurable

An example of pure risk would be a legal wager

Correct! Wrong!

Pure Risk(纯粹风险)是唯一可以承保的风险。

Which of the following is Not an element of an insurable risk?

Loss must be due to chance

Loss Frequency must be predictable

Loss must be measurable

Loss Must be catastrophic

Correct! Wrong!

“损失一定是灾难性的”不属于可保风险（Insurable Risk）的因素

Which of following describes the increase in the probability of a loss due to an insured’s dishonest tendencies?

Morale hazard

Physical hazard

Moral hazard

Speculative hazard

Correct! Wrong!

Morale hazard（道德风险），描述了因为保险人不诚信的倾向，可能增大损失。

All of the following circumstances must be met for loss retention to be an effective risk management technique, EXCEPT

Loss cannot be catastrophic

Probability of loss is unknown

Highly Predictable Losses

Loss must be measurable

Correct! Wrong!

风险自留（Risk Retention），由个人或单位自行承担风险的一种风险处理方式。如果“损失的可能性是未知的”，这种情况下，风险自留无法成为有效的风险管理手段。

Which of the following is any situation that presents the possibility of a loss?

风险对冲(Risk pooling)

逆选择(Adverse selection)

损失暴露(Loss exposure)

保险损失(Insured losses)

Correct! Wrong!

损失暴露(Loss exposure)，代表了导致损失的可能性（Presents the possibility of a loss）。

Which of the following is considered to be any situation that has the potential for loss?

大数法则(Law of large numbers)

逆选择(Adverse Selection)

损失暴露(Loss exposure)

Insured Loss

Correct! Wrong!

损失暴露(Loss exposure)，有可能造成潜在的损失。

An insurer having a large number of similar exposure units is considered important because

The insurer can decrease its reserves

Its financial rating will improve

The greater the number insured, the more accurately the insurer can predict losses and set appropriate premiums.

The greater the number insured, the more premiums it collects.

Correct! Wrong!

投保的人越多，按照大数法则，投保公司能更加精确的计算出损失和设计对应的保费。

Which of the following id Not considered to be a define of the term ‘LOSS’?

An insurable event that takes place which results in a payment made by the insurance company

Unintentional decrease in the value of an asset due to a peril

The amount an insurance company must pay because of an insurable event

Probability that an event will occur

Correct! Wrong!

一件事情会发生的可能性，不是“损失”的定义。

A situation in which there is ONLY a chance of loss or not loss is a

Particular risk

Pure risk

Speculative risk

Fundamental risk

Correct! Wrong!

Pure risk，纯粹性风险，不会带来获利技能，只有两种可能：损失或无损失。

Moral hazard is described as the

Increased chance of loss because of an insured’s recklessness

Increased ability to predict loss because of a higher exposure to loss

Increased risk of adverse selection

Increased chance of a loss because of an insured’s dishonest tendencies

Correct! Wrong!

Morale hazard（道德风险），描述了因为保险人不诚信的倾向，可能增大损失。

Which of the following best describes the statement ”the more times an event is repeated, the more predictable the outcome becomes”?

Adverse selection

Law of large numbers

Average variance

Speculative retention

Correct! Wrong!

投保的人越多，按照大数法则（Law of large numbers），投保公司能更加精确的计算出损失和设计对应的保费。

Which of the following would NOT be accomplished with the purchase of an insurance policy.

Risk is eliminated

Greater peace of mind

Payments made for covered losses

Uncertainty is reduced

Correct! Wrong!

购买了保险后，风险（Risk）并不会消失。

A hazard can be best described as

The potential for loss

The tendency for poorer than average risks to seek out insurance

A condition that may increase the likelihood of a loss occurring

A risk that has the potential for both loss and gain

Correct! Wrong!

风险因素(Hazard)，是促使某一特定风险事故发生、增加损失机会或加重损失程度的原因或条件。

Restoring an insured to the same condition as before a loss is know as

Law of large numbers

Fiduciary retention

Adverse selection

Principle of indemnity

Correct! Wrong!

赔偿的原则就是将被保险人恢复到与损失前相同的状态。

美国保险经纪人考试模拟试题

人寿类.基础理论测试题(一)

Which of following is not considered a definition of risk?

Which of the following refers to a condition that increase the chance of a loss？

Which of the following is a situation where there is a possibility of either a loss or a gain?

Which of these statements correctly describes risk?

Which of the following is Not an element of an insurable risk?

Which of following describes the increase in the probability of a loss due to an insured’s dishonest tendencies?

All of the following circumstances must be met for loss retention to be an effective risk management technique, EXCEPT

Which of the following is any situation that presents the possibility of a loss?

Which of the following is considered to be any situation that has the potential for loss?

An insurer having a large number of similar exposure units is considered important because

Which of the following id Not considered to be a define of the term ‘LOSS’?

A situation in which there is ONLY a chance of loss or not loss is a

Moral hazard is described as the

Which of the following best describes the statement ”the more times an event is repeated, the more predictable the outcome becomes”?

Which of the following would NOT be accomplished with the purchase of an insurance policy.

A hazard can be best described as

Restoring an insured to the same condition as before a loss is know as