瑞达rejda保险教材英文练习题05.docx
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瑞达rejda保险教材英文练习题05
PrinciplesofRiskManagementandInsurance,lie（Rejda）
Chapter5TypesofInsurersandMarketingSystems
1）Whichofthefollowingstatementsaboutstockinsurersistrue
A/\17ABcD
Theyissueassessablepolicies・
Theyarenotpermittedtowritepropertyandliabilityinsurance・Stockholdersbearanylossesandshareinanyprofits・Theyareownedbytheirpolicyowners・
Answer:
C
QuestionStatus:
PreviousEdition
2）Whichofthefollowingstatementsaboutmutualinsurersistrue
A）Theyarelegallyorganizedaspartnerships・
B）Theyhaveaboardofdirectorswhichisselectedbystateinsurancedepartments.
C）Theyareownedbytheirstockholders・
D）Theymaypaydividendstotheirpolicyowners・
Answer:
D
QuestionStatus:
PreviousEdition
3）Whyaresomemutualinsurersreferredtoas''assessmentmutualsz/
A）Theychargelowpremiumsbecausethelossexposuresoftheirinsuredsarethoroughlyassessedbeforeapolicyiswritten.
B）Theyarenotedforbeingverythoroughintheirassessmentofinvestmentopportunities.
C）Theyareassessedforstatepremiumtaxesonlyiftheymakeaprofit・
D）Theycanassesspolicyownersifpremiumsareinsufficienttopaylossesandexpenses.
Answer:
D
QuestionStatus:
PreviousEdition
4）Thecorporatestructureofmutualinsurersischangingrapidly.AllofthefollowingarecurrenttrendsEXCEPT
A）Demutualizationofsomeinsurers・
B）Sharpincreaseinthenumberofmutualinsurancecompanies・
C）Increaseincompanymergers・
D）Formationofmutualholdingcompanies・
Answer:
B
QuestionStatus:
PreviousEdition
5）AllofthefollowingstatementsaboutfraternalinsurersaretrueEXCEPT
A）Theyareaformofmutualinsurer・
B）Theyspecializeinwritingpropertyandliabilityinsurance・
C）Theyenjoytaxadvantagesbecauseoftheirnonprofitorcharitablestatus・
D）Theymarkettheircoveragetomembersofasocialorganizationorreligiousgroup・
Answer:
B
QuestionStatus:
PreviousEdition
6）Whichofthefollowingstatementsaboutareciprocalexchangeis（are）true
I.Itusuallyspecializesinhealthinsurance・
I\J/\）z\J/\J/IABcD
Itisanunincorporatedmutualinsurancecompany.
Ionly
IIonly
bothIandII
neitherInorII
Answer:
B
QuestionStatus:
PreviousEdition
7）WhichofthefollowingstatementsaboutLloyd,sofLondonistrue
A）CoverageisactuallywrittenbysyndicateswhobelongtoLloyd'sofLondon.
B）Itsunderwritersspecializeinwritinglifeandhealthinsurance・
C）ItoperatesasanadmittedinsurerthroughouttheUnitedStates・
D）Itallowsunderwriterstowritecoveragewithoutmeetingstringentfinancialrequirements.
Answer:
A
QuestionStatus:
PreviousEdition
8）Temporaryevidenceofinsuranceuntilapolicyisactuallyissuedisprovidedbya（n）
A）binder・
B）brokerageagreement・
C）pre-approvalform・
D）endorsement・
Answer:
A
QuestionStatus:
PreviousEdition
9）Whichofthefollowingstatementsaboutbrokersis（are）true
I.Theylegallyrepresenttheinsuredratherthantheinsurancecompany.
II.Theyareprohibitedfrombeinglicensedasagents・
A）Ionly
B）IIonly
C）bothIandII
D）neitherInorII
Answer:
A
QuestionStatus:
PreviousEdition
10）Neilneedsinsurancethatisunavailableinthestatewherehelives・Toobtaininsurancefromanonadmittedinsurer,Neilshouldcontacta
A）surpluslinesbroker・
B）nonadmittedagent・
C）generalagencybroker・
D）directwriter・
Answer:
A
QuestionStatus:
PreviousEdition
11）AllofthefollowingstatementsaboutthegeneralagencysystemusedforsellinglifeinsurancearetrueEXCEPT
A）Ageneralagentisresponsibleforhiring,training,andmotivatingnewagents・
B）Ageneralagentisasalariedemployeewhoseresponsibilitiesarelimitedtosellinglifeinsurance・
C）Ageneralagentmayreceiveanallowancefortheexpensesofmaintaininganagencyoffice・
D）Ageneralagentreceivesacommissionbasedontheamountofbusinessproduced・
Answer:
B
QuestionStatus:
PreviousEdition
12）Whichofthefollowingstatementsaboutthemanagerialsystemofmarketinglifeinsuranceis（are）true
I・Itusesbranchofficesrunbyindependentagentswhorepresentseveral
companies・
II.Thebranchmanagerisanemployeeoftheinsurerwhohastheresponsibilityforhiringandtrainingnewagents・
A）Ionly
B）IIonly
C）bothIandII
D）neitherInorII
Answer:
B
QuestionStatus:
PreviousEdition
13）Advantagesofthedirectresponsesystemformarketinglifeinsuranceincludewhichofthefollowing
I・Advertisingcanbespecificallydirectedtoselectedmarkets・
II.Complexproductscanbeeasilysold・
A）Ionly
B）IIonly
C）bothIandII
D）neitherInorII
Answer:
A
QuestionStatus:
PreviousEdition
14）Whichofthefollowingstatementsabouttheexclusiveagencysystemformarketingpropertyandliabilityinsuranceistrue
A）Exclusiveagentstypicallyhavecompleteownershipofpolicyexpirations・
B）Ahighercommissionrateisusuallypaidonexclusiveagents'renewalbusinessthanonnewbusiness・
C）Exclusiveagentsrepresentseveraldifferentinsurancecompanies・
D）Newexclusiveagentsusuallystartasemployeesandafteratrainingperiodbecomeindependentcontractors・
Answer:
D
QuestionStatus:
PreviousEdition
15）AllofthefollowingstatementsabouttheindependentagencysystemaretrueEXCEPT
A）Agentsareoftenauthorizedtoadjustsmallclaims・
B）Agentsarecompensatedonthebasisofcommissions・
C）Theinsurerratherthantheagentownstherenewalrightstothebusiness・
D）Theagentisanindependentbusinesspersonwhorepresentsseveralinsurers・Answer:
C
QuestionStatus:
PreviousEdition
16）Salespersonsofadirectwriterareconsideredtobe
A）independentagents・
B）independentcontractors・
C）employees・
D）brokers・
Answer:
C
QuestionStatus:
PreviousEdition
17）Whichofthefollowingstatementsaboutthesaleofpropertyandliabilityinsurancethroughthedirectresponsesystemis（are）true
I.Sellingexpensesarehigherbecausemarketsegmentationtendstobe
lessprecisethanwithothermarketingmethods・
I\JZ\J/\7\7IABcD
Itisthemostappropriatesystemforsellingcomplexproducts・
Ionly
IIonly
bothIandIIneitherInorII
Answer:
D
QuestionStatus:
PreviousEdition
18）Underonelifeinsurancemarketingsystem,aninsurersellsitsproductsthroughestablishedagentswhoarealreadyengagedinlifeinsurancesales・Underthissystem,aninsurerentersintocontractswithsuccessfulagentswhoagreetoselltheinsurer1sproducts・Thislifeinsurancemarketingsystemiscalledthe
A）directresponsesystem・
B）nonbuildingagencysystem.
C）independentagencysystem.
D）agencybuildingsystem.
Answer:
B
QuestionStatus:
PreviousEdition
19）Whichofthefollowingischaracteristicofatypicalmassmerchandisingplan
A）highercommissionscalesforagentsandhigheradministrativeexpenses
B）paymentofpremiumsthroughpayrolldeduction
C）groupratherthanindividualunderwriting
D）contributionsbytheemployertothecostofcoverage
Answer:
B
QuestionStatus:
PreviousEdition
20）Davidhasalwaysbeensuccessfulinsales・Recently,hewasapproachedbyalifeinsurerinterestedinhiringhim.Initially,Davidwasnotinterestedinthejobbecausehefeareditwouldrequirealotofadministrativework・"You'reasupersalesperson,David,"hewastold,rehiringyoutodoonethingandonethingonly-SELL!
"Davidacceptedtheposition.Davidisa（n）
A）exclusiveindependentagent・
B）personal-producinggeneralagent・
C）branchofficeagent/manager・
D）directwritingexclusiveagent・
Answer:
B
QuestionStatus:
PreviousEdition
21）Sarahownsapropertyandliabilityinsuranceagency・Sheisauthorizedtorepresentseveralinsurancecompaniesandsheiscompensatedbycommissions・SarahJsagencyownstheexpirationrightstothebusinessshesells・Sarahisa（n）
A）independentagent・
B）exclusiveagent・
C）directwriter・
D）insurancebroker・
Answer:
A
QuestionStatus:
PreviousEdition
22）Theleadersofareligiousgroupdecidedtostartalifeinsuranceorganizationtoinsuremembersofthereligiousgroup・Theinsurerwilloperateasanonprofitorganization,thusreceivingfavorabletaxtreatment・Theinsurerformedwillbea
A）healthmaintenanceorganization.
B）stockinsurer・
C）fraternalinsurer・
D）reciprocalexchange・
Answer:
C
QuestionStatus:
PreviousEdition
23）Scottworksinpropertyandliabilityinsurancemarketing・Helegallyrepresentsinsurancepurchasers,ratherthaninsurancecompanies・Scottispaid
\J/\17ABcD
acommissionontheinsuranceplacedwithinsurers・Scottisa（n）exclusiveagent・directwriter・branchmanager・insurancebroker・
Answer:
D
QuestionStatus:
PreviousEdition
24）ABCInsurancehasalwaysusedtheexclusiveagencysystemtomarketcoverages・ABC,however,cannotaffordfull-timeagentsinsparsely-populatedareas・Toreachcustomersintheseareas,ABCentersintoagreementswithlocalindependentagents・Usingmorethanonemarketingsystemiscalledemployinga
A）directresponsesystem.
B）generalagencysystem・
C）multipledistributionsystem・
D）branchofficesystem.
Answer:
C
QuestionStatus:
PreviousEdition
25）CathyjuststartedajobwithXYZManufacturingCompany.SheattendedanorientationandwasgivenapacketprovidinginformationaboutthevariousemployeebenefitsXYZoffers・Oneiteminthepacketwasabookletandapplicationformfromanautoinsurer・TheinsurerofferslowerpremiumstoXYZemployees・Theinsurer'splanforsellingindividua11y-underwri11enautoinsurancetoemployeesofXYZManufacturingCompanyiscalled
A）directresponse・
B）massmerchandising・
C）personalselling・
D）multiplemarketing・
Answer:
B
QuestionStatus:
PreviousEdition
26）Brianisalifeinsuranceagent・Heislicensedtorepresentonecompanyandhasbeenassignedaterritory.Inadditio
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