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美國保險經紀人考試模擬試題

人壽類.法理測試題(二)

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What is the 「Express power」 given to an agent in an agency agreement?

Correct! Wrong!

「Express power」 是賦予了經紀代理人 有權代表保險公司的能力。

Restore an insured to the same condition as before a loss is an example of the principle of ____ ?Indemnity

Correct! Wrong!

Indemnity,賠償原則,將被保險人恢復到與損失之前相同的條件。

When deliberate concealment is committed by the insured, the insurer is entitled to

Correct! Wrong!

如果被保險人故意隱瞞一些事實,保險公司有權取消合約(Rescind the contract)。

When handling premiums for an insured, an agent is acting in which capacity?

Correct! Wrong!

當幫助投保人處理保費的時候,代理經紀人執行了「Fiduciary(信託)」行為能力。

To describe a contract of indemnity, Which is true?

Correct! Wrong!

Indemnity,賠償原則,將被保險人恢復到與損失之前相同的條件。

Which of the following is NOT required in the content of a policy?

Correct! Wrong!

保單合同需要記錄 參與保險的各方,保單的保障期,以及保障的風險對象,不需要記錄的是,發生損失的可能性(Probability of loss)

If a material warranty violation on the part of the insured is found, what recourse does an insurer have?

Correct! Wrong!

如果投保人被發現有實際性的違規行為,保險公司可以 撤銷保單(Rescind the policy)

A contract requires

Correct! Wrong!

一份合同理,需要含有合同條款具體內容和合同條款的接受(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

Correct! Wrong!

Implied authority,隱含許可權,是未明確授予,沒有書面寫入的許可權,但保險經紀代理人被認為具有代表保險公司開展業務的許可權。

The importance of a representation is demonstrated in what rule?

Correct! Wrong!

The materiality of concealment, 是用來確定虛假陳述重要性的規則。

Which of the following is NOT a requirement of a contract?

Correct! Wrong!

合約里,「有關各方之間需要平等考慮(Equal consideration is required between the involved parties)」這一條是不需要的。

A unilateral contract is one in which

Correct! Wrong!

Unilateral Contract ,單方契約,一個單方契約被定義成只有單方意思表示的契約。保險合同是單方面的。這意味著只有一方(保險公司)作出任何形式的可執行承諾。

Which principle is accurately described with the statement 「Insureds are entitled to recover an amount NOT greater than the amount of their loss」?

Correct! Wrong!

Indemnity,賠償原則,將被保險人恢復到與損失之前相同的條件,不會超過之前的條件。

Which of the following statements about aleatory contracts is NOT true?

Correct! Wrong!

射幸合同(Aleatory Contract),就是指合同當事人一方支付的代價所獲得的只是一個機會,對投保人而言,他有可能獲得遠遠大於所支付的保險費的效益,但也可能沒有利益可獲;對保險人而言,他所賠付的保險金可能遠遠大於其所收取的保險費,但也可能只收取保險費而不承擔支付保險金的責任。保險合同的這種射幸性質是由保險事故的發生具有偶然性的特點決定的,即保險人承保的危險或者保險合同約定的給付保險金的條件的發生與否,均為不確定。舉例:一個人購買了傷殘保險,那當他受傷的時候會賠付,如果沒有受傷這個偶然發生,就不會賠付。

Which of the following contracts is defined as 「one that restores an injured party to the condition that was present before the loss」?

Correct! Wrong!

Indemnity contract,賠償合同,將被保險人恢復到與損失之前相同的條件,不會超過之前的條件的合同。

What does the insurance term 「indemnity」 refer to?

Correct! Wrong!

Indemnity,賠償,將被保險人恢復到與損失之前相同的條件,即,Make Whole。

Which statement is CORRECT when describing a contract of adhesion?

Correct! Wrong!

Adhesion contract 定式合同,又稱附合合同、附意合同、定不定由你的合同。所以,被保險人可以接受或拒絕合同內容。

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