美国保险经纪人考试模拟试题

人寿类.基础理论测试题(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,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?

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?

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?

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?

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?

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

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。

“accorn-ads”

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

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?

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

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’?

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

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

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”?

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.

Correct! Wrong!

购买了保险后,风险(Risk)并不会消失。

A hazard can be best described as

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

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。



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