保险学期末A卷.docx
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保险学期末A卷
上海外国语大学贤达经济人文学院2014～2015学年第一学期
《风险管理和保险原理》课程期末考试试卷（A卷）
考试时间：
90分钟考试形式：
闭卷
专业班级：
姓名：
学号：
题号
一
二
三
四
五
六
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总得分
阅卷人
核分人
得分
得分
一.名词解释（5分*6题，共30分）
CaptiveinsurerUnearnedpremiumreserveTwisting
SubrogationUniversallifeinsuranceresipsaloquitur
二.判断题（2分*10题，共20分）
选择题答案填写在下表答题区内，否则不得分。
题号
1
2
3
4
5
6
7
8
9
10
得分
答题区
1.Lloyd'sofLondonallowsunderwriterstowritecoveragewithoutmeetingstringentfinancialrequirements.
2.Thefunctionofanactuaryistoadjustclaims.
3.Therightofthestatestoregulatethebusinessofinsurancewasfirstestablishedby
Paulv.Virginia.
4.Atotallossunderavaluedpolicyissettledonthebasisofthemarketvalueoftheloss.
5.Thedeductibleusedforautomobilecollisionlossesisanexampleofacalendaryeardeductible.
6.Mostpoliciescanberenewedforadditionalperiodswithoutevidenceofinsurability.
7.murderisanintentionaltort?
8.Damagesawardedforlossesthatcanbedeterminedormeasuredarespecialdamages.
9.Buildersriskcoverageformisusedtoinsurebuildingsthatareunderconstruction.
10.Reimbursementforspoilageoffrozenfoodcausedbyfailureofarefrigerationunitatafrozenfoodsprocessorcanbecoveredunderextraexpenseinsurance.
三．单选题（2分*10题，共20分）
选择题答案填写在下表答题区内，否则不得分。
题号
1
2
3
4
5
6
7
8
9
10
得分
答题区
1.Advantagesofthedirectresponsesystemformarketinglifeinsuranceincludewhichofthefollowing?
I.Advertisingcanbespecificallydirectedtoselectedmarkets.
II.Complexproductscanbeeasilysold.
A）Ionly
B）IIonly
C）bothIandII
D）neitherInorII
2.Whichofthefollowingstatementsaboutunderwritingpolicyis（are）true?
I.Acompanymustestablishanunderwritingpolicyconsistentwithcompanyobjectives.
II.Underwritingpolicyisusuallysubjectiveandallowstheunderwriterconsiderableflexibilitywithrespecttolineswrittenandformsused.
A）Ionly
B）IIonly
C）bothIandII
D）neitherInorII
3.Whichofthefollowingwouldnotappearintheassetsectionofaninsurancecompany'sbalancesheet?
A）lossreserves
B）bonds
C）commonstock
D）realestate
4.Reasonsfortheunearnedpremiumreserveincludewhichofthefollowing?
I.Topaylossesthatoccurduringthepolicyperiod.
II.Topaypremiumrefundstopolicyholdersintheeventofcancellation.
A）Ionly
B）IIonly
C）bothIandII
D）neitherInorII
5.Whichofthefollowingstatementsabouttheuseofrisk-basedcapitalrequirementsis（are）true?
I.Insurersmusthaveacertainamountofcapitaldependingontheriskinessoftheirinvestmentsandinsuranceoperations.
II.Insurersmayberequiredtotakecertainactionsdependingonhowmuchcapitaltheyhaverelativetotheirrisk-basedcapitalrequirements.
A）Ionly
B）IIonly
C）bothIandII
D）neitherInorII
6.Whichofthefollowingisafundamentalpurposeoftheprincipleofindemnity?
A）toreducemoralhazard
B）tominimizephysicalhazards
C）tosettlepropertyinsurancelossesonareplacementcostbasis
D）torequiredeductiblesinallpropertyinsurancepolicies
7.Whichofthefollowingstatementsabout"open-perils"coverageis（are）true?
I.Alllossesarecoveredexceptthoselossesspecificallyexcluded.
II.Theburdenofproofisontheinsuredtoprovethatalossiscovered.
A）Ionly
B）IIonly
C）bothIandII
D）neitherInorII
8.3）Whichofthefollowingpiecesofinformationisneededtocalculateaperson'shumanlifevalue?
A）themaritalstatusoftheperson.
B）theperson'sestimatedannualSocialSecuritybenefitsafterretirement.
C）theperson'scostofself-maintenance.
D）currentoutstandingdebts,includingmortgagedebt.
9.AllofthefollowingareelementsofnegligenceEXCEPT
A）theabilitytopaydamages.
B）thefailuretoperformalegaldutytousereasonablecare.
C）damagesorinjuriestoaclaimant.
D）proximatecausebetweenthenegligentactandtheinjuryorharmthatoccurs.
10.Whichofthefollowingstatementsaboutthebuildingandpersonalpropertycoverageformis（are）true?
I.Alimitedamountofcoverageisprovidedforpollutantcleanupandremovalatthedescribedpremisesifthereleaseordischargeofthepollutantresultsfromacoveredcauseofloss.
II.Firedepartmentservicechargesarespecificallyexcludedbecausetheyareanormalcostofdoingbusiness.
A）Ionly
B）IIonly
C）bothIandII
D）neitherInorII
四．案例分析题（15*2题，共30分）
得分
1.Miketookhisfriend,Donna,outtodinneronherbirthday.WhiledrivingDonnahome,MikebecameillandaskedDonnatodrive.WhiledrivingMike’scar,Donnanegligentlyinjuredanothermotoristwhenshefailedtostopataredlight.Mikehasanautoinsurancepolicywithaliabilityinsurancelimitof$250,000perpersonforbodilyinjuryliability.Donnahasasimilarautoinsurancepolicywithaliabilitylimitof$100,000perperson.
a.Ifacourtawardsaliabilityjudgmentof$100,000againstDonna,howmuch,ifany,willeachinsurerpay?
b.Iftheliabilityjudgmentis$300,000,howmuch,ifany,willeachinsurerpay?
c.AssumethatMikecannotaffordtopaythepremiumandletshisautoinsurancepolicylapse.AtthetimeofaccidentDonnais$100,000,howmuch,ifany,willDonna’sinsurancepay?
2.Kimberlyownsandoperatesatennisshopinaresortarea.Thebusinessisseasonal.AlargepartoftheannualrevenuesareduetosalesinJune,JulyandAugust.Kimberlykeepstheshopopenduringtheremainingmonthsoftheyear,buttheinventorycarriedduringthosemonthsisreduced.Duringthesummermonths,theamountofinventoryonhandissubstantiallyincreased.Kimberlyhasthebusinessinsuredunderthespecialendorsementsattached.
a.Assumeyouareariskmanagementconsultant.IdentifythemajorlossexposuresthatKimberlyfaces.
b.AssumethatacoveredlossoccursinJuly,whichdamagespartoftheinventory.DoestheBOPprovideanyprotectionfortheincreaseininventoryduringthesummermonths?
Explainyouranswer.
c.Kimberlyplanstohireanadditionalemployeeduringthesummermonthswhensalesareincreasing.Sheisconcernedaboutpossibleemployeetheftanddishonesty.ExplaintoKimberlyhowthislossexposurecanbehandledundertheBOP.
d.Afiredamagedthebuilding.Asaresult,Kimberlyincurredabusinessincomelossbecausethebusinesswasclosedforthreemonths.
e.Vandalsbroketheextremeglasswindowtothebusiness,whichcausedsubstantialdamagetothebuilding.
审核人：
时间：
2014.12.12命题人：
__林谦
附件：
答案（评分标准）
上海外国语大学贤达经济人文学院2014～2015学年第一学期
《风险管理和保险原理》课程期末考试答案（评分标准）（A卷）
考试时间：
_90_分钟考试形式：
闭卷
适用专业：
经济、管理
一．名词解释（5分*6题，共30分）
Captiveinsurer:
insurancecompanyestablishedandownedbyaparentfirminordertoinsureitslossexposureswhilereducingpremiumcosts,providingeasieraccesstoareinsurer,andperhapseasingtaxburdens.
Unearnedpremiumreserve:
Liabilityreserveofaninsurancecompanythatrepresentstheunearnedpartofgrosspremiumonalloutstandingpoliciesatthetimeofvaluation
Twisting:
Illegalpracticeofinducingapolicy-ownertodropanexistingpolicyinonecompanyandtakeoutanewpolicyinanotherthroughmisrepresentationorincompleteinformation.
Subrogation:
Substitutionoftheinsurerinplaceoftheinsuredforthepurposeofclaimingindemnityfromanegligentthirdpartyforalosscoveredbyinsurance.
Universallifeinsurance:
Aflexible-premiumwholelifepolicythatprovideslifetimeprotectionunderacontractthatseparatestheprotectionandsavingcomponents.Thecontractisaninterest-sensitiveproductthatunbundlestheprotection,saving,andexpensecomponents.
resipsaloquitur:
Literally,thethingspeaksforitself.Underthisdoctrine,theveryfactthattheeventoccurredestablishesapresumptionofnegligenceonbehalfofthedefendant.
二.判断题（2分*10题，共20分）
1F、2F、3T、4F、5F、6T、7F、8T、9T、10F
三.单选题（2分*10题，共20分）
1A、2A、3A、4C、5C、6A、7A、8C、9A、10A
四．案例分析题（15分*2题，共30分）
1.a.Donnaiscoveredunderherpolicysincesheisdrivinganon-ownedcarwiththepermissionoftheowner.SheisalsocoveredunderMike’spolicy.However,Mike’spolicyisprimary,andDonna’spolicyisexcess.Accordingly,Donna’spolicydoesnotpayuntilMike’spolicylimitsareexhausted.Mike’spolicywillpay$100,000.Donna’spolicypaysnothing.
b.Mike’spolicypays$250,000.Donna’spolicypays$50,000.
c.$100,000
2.a.Themajorlossexposurestothetennisshopincludethefollowing:
•Losstothetennisshopfromafire,lightning,tornado,orotherperil
•Losstobusinesspersonalproperty,suchasofficeequipmentandbusinesscomputer
•Losstotheinventoryoftennisequipmentonhand
•Lossofbusinessincomeandextraexpensesifthebusinessisforcedtoshutdownbecauseofaloss
•Employeedishonestylosses
•Commercialliabilitylossexposures
b.Yes.Apeakseasonprovisionprovidesforatemporaryincreaseof25percentoftheamountofinsurancewheninventoryvaluesareattheirpeak.
c.Thelossexposurescanbecoveredbyaddingcoverageforemployeedishonestytothepolicy.
d.ThelossofbusinessincomeiscoveredasanadditionalcoverageundertheBOPpolicy.
e.Thelossiscovered.Exteriorbuildingglassiscoveredunderbusinesspersonalpropertyifthenamedinsuredisatenantandnolimitofinsuranceisshowninthedeclarations.
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