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美國保險經紀人考試模擬試題

人壽類.基礎理論測試題(一)

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Which of following is not considered a definition of risk?

Correct! Wrong!

The case of a loss,意思是指,損失已經造成了,就不是“風險”。

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

Correct! Wrong!

Hazard,風險,可能增大損失情況。

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

Correct! Wrong!

Speculative Risk(投機風險),可能產生收益,也可能導致損失。

Which of these statements correctly describes risk?

Correct! Wrong!

Pure Risk(純粹風險)是唯一可以承保的風險。

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

Correct! Wrong!

“損失一定是災難性的”不屬於可保風險(Insurable Risk)的因素

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

Correct! Wrong!

Morale hazard(道德風險),描述了因為保險人不誠信的傾向,可能增大損失。

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

Correct! Wrong!

風險自留(Risk Retention),由個人或單位自行承擔風險的一種風險處理方式。 如果“損失的可能性是未知的”,這種情況下,風險自留無法成為有效的風險管理手段。

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

Correct! Wrong!

損失暴露(Loss exposure),代表了導致損失的可能性(Presents the possibility of a loss)。

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

Correct! Wrong!

損失暴露(Loss exposure),有可能造成潛在的損失。

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

Correct! Wrong!

投保的人越多,按照大數法則,投保公司能更加精確的計算出損失和設計對應的保費。

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

Correct! Wrong!

一件事情會發生的可能性,不是“損失”的定義。

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

Correct! Wrong!

Pure risk,純粹性風險,不會帶來獲利技能,只有兩種可能:損失或無損失。

Moral hazard is described as the

Correct! Wrong!

Morale hazard(道德風險),描述了因為保險人不誠信的傾向,可能增大損失。

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

Correct! Wrong!

投保的人越多,按照大數法則(Law of large numbers),投保公司能更加精確的計算出損失和設計對應的保費。

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

Correct! Wrong!

購買了保險後,風險(Risk)並不會消失。

A hazard can be best described as

Correct! Wrong!

風險因素(Hazard),是促使某一特定風險事故發生、增加損失機會或加重損失程度的原因或條件。

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

Correct! Wrong!

賠償的原則就是將被保險人恢復到與損失前相同的狀態。



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