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Simulated test paper (1)
1. Multiple-choice question: Of the four options given in the following sub-question, only 1 best meets the requirements of the topic. Please fill in the code of the correct option in brackets.
1. Adjacent means ().
A. The most direct, effective and decisive reason
B. The closest reason in time
C. the closest reason in space
D. the closest reason in time and space
Correct answer: a
2. The difference between social insurance and commercial life insurance lies in ().
A. the material basis for establishing insurance funds is different.
B. Risks of different nature
C. Insurance emphasizes different principles
D. the mathematical basis for setting insurance rates is different.
Correct answer: C.
3. According to the provisions of the insurance law, the organizational form of the insurer in China is ().
A. mutual insurance companies and wholly state-owned companies
B. wholly state-owned companies and joint stock limited companies
C. Joint stock limited companies and individual insurance companies
D. Individual insurance companies and insurance cooperatives
Correct answer: b
In our country, the public liability insurance stipulates that the compensation for property losses is deductible. According to the regulations, the form of this deductible is ().
A. Absolute deductible
B. Proportional tax exemption
C. statutory deductible
D. relative deductible
Correct answer: a
5. Among the following insurance contracts, the one that cannot be terminated at the beginning of insurance liability is ().
A. Family property insurance contract
B. Motor vehicle insurance contract
C. cargo transportation insurance contract
D. Personal accident insurance contract
Correct answer: C.
6. Someone bought a car, insured motor vehicle insurance in an insurance company in his own name, and then rented the car to Wang for use. The insurer refused to compensate Wang for the loss caused by an insurance accident while using it. The reason is ().
Transferring the insured vehicle to others without prior notice to the insurance company.
B. Give the insured vehicle to others without prior notice to the insurance company.
Changing the use of the insured vehicle without prior notice to the insurance company.
D. The insured vehicle has increased the danger without notifying the insurance company in advance.
Correct answer: C.
7. According to the mortality statistics of all ages in a certain area in the past, the summary table composed of mortality of all ages is called ().
A. National life table
B. Empirical life table
C. probability life table
D. Life insurance life table
Correct answer: a
8. Wang insured personal accident insurance with A Insurance Company and paid the insurance premium of 50 yuan as agreed. During the insurance period, when Wang suffers an accident, he has the right to claim compensation from the insurance company according to the terms of the insurance contract, which shows that the insurance contract is ().
A. Two-way contract
B. Bilateral contracts
C. Win-win contract
D. bilateral contracts
Correct answer: b
9. The premium rate of property insurance usually consists of two parts, namely pure premium rate and ().
A. Additional rates
B. Expected interest rate
C. Taxation
D. operating rate
Correct answer: a
10. The market price and the insured amount of the TV set are 50,000 yuan when insured, and the market price is 20,000 yuan when an insurance accident occurs. The insurer can compensate at most ().
50 thousand yuan
20,000 RMB
Thirty thousand yuan.
800,000 yuan
Correct answer: b
1 1. In life insurance underwriting, the insurer investigates the working environment, occupation, habits, hobbies, economic status and social status of the insured, which is called ().
A. Physical examination
B. Transaction inspection
C. Financial inspection
D. Contract inspection
Correct answer: b
12. Generally speaking, the insured has no insurable interest in ().
A. I
B. Parents
C. Children
D. colleagues
Correct answer: D.
13. When the subject matter of insurance is presumed to be totally lost, if the insured requests the insurer to compensate for the total loss, a () will be issued first.
A. Hazard notification
B. Notice of claim
C. Notice of abandonment
D. List of losses
Correct answer: C.
14. According to the relevant provisions of China's insurance management, when the solvency of an insurance company is seriously endangered, the regulatory measures that the insurance regulatory authorities should take are ().
A. correct, correct; Rectification; Rectification; Find the length
B. Take over
C. dissolution
D. clearance
Correct answer: a
15. The following statement about the difference between an insurance agent and an insurance broker is wrong ().
A The former is the representative of the insurer and the latter is the representative of the insured.
B the commission of the former is paid by the insurer, and the commission of the latter is paid by the insurance company that accepts its business.
C the products sold by the former agent are designated by the insurance company, and the latter needs to be insured by which insurance company, depending on the actual needs.
D. both commissions are paid by the insurance company.
Correct answer: D.
16. A hotel applied for product liability insurance from an insurance company for a beverage it produced. When an insurance company undertakes this responsibility under product liability insurance, it is stipulated that the place where its liability accident occurs must be ().
A occurred outside the place where the insured manufactured the product.
B occurs outside the place where the insured sells products.
C.it happened in the hotel
D. It happens anywhere.
Correct answer: D.
17. When the house is insured, the market value and the insured amount are 500,000 yuan, and when all losses are incurred in the insurance accident, the market value is 600,000 yuan, and the insurer shall compensate ().
0.30 million yuan
0.40 million yuan
500,000 yuan
0.60 million yuan
Correct answer: C.
18. The only natural person insurance organization in the world is ().
A. American International Assurance Company
B.it's Munich again
C. Lloyd's Insurance Company, UK
D. hengkang life insurance
Correct answer: C.
19. The registered capital and provident fund of commercial insurance companies are usually called ().
A. Foreign investment
B. Own capital
C. Responsibility capital
D. Compensation reserve
Correct answer: b
20. In the case of subrogation in rem, if the income obtained by the insurer from burying the damaged subject matter exceeds the insurance compensation, the ownership of the excess part shall belong to ().
A. the insured
B. Insurance companies and insured persons
C. insurance companies
D. Third party causing loss
Correct answer: a
2 1. According to the reinsurance regulations for overpayment of a certain risk, the self-compensation amount of the ceding company is 3 million yuan, and the liability amount of the ceding company is 6 million yuan. The dangerous unit pays 2 million yuan, and the company pays compensation ().
00,000 yuan
100000 yuan
About 200 million yuan
300 million yuan
Correct answer: a
22. A ceding company signed a five-line reinsurance contract with the reinsurance company, stipulating that the ceding company's retention amount is 200,000 yuan. There is a business with an insurance amount of 6,543,800 yuan and an insurance premium of 50,000 yuan. If the insurance indemnity is 800,000 yuan, the retained premium and self-paid indemnity of the ceding company are () respectively.
A. 1 10,000 yuan and10.6 million yuan
B.20,000 yuan and 320,000 yuan
C.30,000 yuan and 480,000 yuan
D.40,000 yuan and 640,000 yuan
Correct answer: a
23. I bought a truck somewhere, and the purchase price of a new car was 200,000. When buying a car, I first insured motor vehicle insurance from insurance company A with an insurance amount of 6.5438+0.8 million yuan, and then I insured motor vehicle insurance from insurance company B with an insurance amount of 200,000 yuan. According to the relationship between the insured amount and the validity of the insurance contract, the validity of the two contracts is ().
A. Both insurance contracts are valid.
B. Both insurance contracts are invalid.
C. Both insurances are partially invalid.
D the first insurance contract is completely valid, and the second insurance contract is partially valid.
Correct answer: a
24. In domestic cargo transportation insurance, the limitation of the insured's claim is 2 years, and the starting time is ().
A. from the day after the insured accident.
B. From the day after the insured loss occurs.
From the day after the insured learns of the loss.
From the day after the insured issues the notice of claim.
Correct answer: C.
25. The insurance contract recorded in the insurance policy generally includes ().
A. Subject matter insured, insured value, insured amount and insurance period
B. Subject matter insured, insurance liability, insurance premium and insurance period
C. Insurance items, insurance liabilities, exclusions and supporting documents
Insurer and Insured, Subject matter of Insurance and Insurance Liability
Correct answer: D.
26. () refers to the insurance company's liability for compensation for the maximum loss that may be caused by the insurance accident.
A. Dangerous units
B. Limit of compensation
C. Insurance amount
D. solvency
Correct answer: b
27. In accident insurance, if the sum of the percentage of disability degree of each part exceeds 100%, the disability insurance premium will be paid according to ().
A. 1 times the insured amount
B. it shall not exceed twice the insured amount.
C. according to the single highest disability rate
D. Weighted average ratio of multiple projects
Correct answer: a
28. In order to ensure the solvency of insurance companies, the laws of many countries stipulate the scale of retained premiums of insurance companies. According to China's "insurance law" to calculate the retention premium, insurance companies engaged in property insurance business that year retention premium ratio shall not exceed the sum of actual capital plus provident fund is ().
A.2 times
B.3 times
About 4 times
D.5 times
Correct answer: C.
29. A construction company in the process of highway construction, due to the construction blasting caused by a factory building near the site houses (belong to the subject matter of insurance) and other property (not belong to the subject matter of insurance) was hit by a boulder, the insurer underwriting the comprehensive property insurance of the factory building will be responsible for compensation for this loss ().
A. they are not liable for compensation.
B. be responsible for compensation according to the responsibility of falling objects in the air.
C. Responsible for compensation according to the explosion responsibility.
D. only responsible for compensating other property losses, not housing.
Correct answer: C.
30. The insurance amount for all risks of construction projects is determined on the basis of the total value of construction projects. The so-called total value of construction projects refers to ().
A. Contract amount of construction project
B. Accounting price of construction projects
C. Total construction cost
D. Total price at the time of completion of the construction project
Correct answer: D.
3 1. In insurance economic activities, the person who enters into an insurance contract with the insurer and is obliged to pay the insurance premium to the insurer is ().
A. Insurance brokers
B. Insurance agents
C. the insured
D. policyholders
Correct answer: D.
32. People with family hereditary diseases did not explain their illness to the insurer when they applied for life insurance, which led to the insurer's underwriting at the normal rate. This practice of the insured is called ().
A. Adverse selection insurance
B. high-risk insurance
C. control insurance
D. over-insured
Correct answer: a
33. In life insurance, the dividend received by the insured of dividend insurance belongs to () in nature.
A. Operating performance of insurance companies
B. Investment income of insurance funds
C. Cash value of the policy
D. Savings in premium income
Correct answer: a
34. The property insured by ordinary family property insurance is ().
A. marketable securities
B. jewelry
C. Family life information
D. document account book
Correct answer: C.
35. The risks of aerospace insurance usually include ().
A. Material insurance, loss of income insurance and third-party liability insurance
B. Basic insurance, comprehensive insurance and third-party liability insurance
C. Life insurance and property insurance
D. basic insurance, additional insurance and third party liability insurance
Correct answer: a
36. China's "Insurance Law" stipulates that if the insured fails to fulfill the obligation of telling the truth due to negligence, which has a serious impact on the occurrence of insurance accidents, the insurer shall be liable for the insurance accidents that occurred before the termination of the insurance contract ().
Be liable for compensation or payment of insurance premium, and the insurance premium will not be refunded.
B part of the liability for compensation or payment of insurance premium will not be refunded.
C it is not liable for compensation or payment of insurance premium, but it can refund the insurance premium.
D. Do not assume the responsibility of compensation or payment of insurance premium, and do not refund the insurance premium.
Correct answer: C.
37. From the perspective of financial management of insurance companies, insurance funds exist in various forms of reserves. As far as personal insurance reserve is concerned, the main form of insurance funds is ().
A. Compensation reserve
B. Unexpired liability reserve
C. Total reserves
D. Other reserves
Correct answer: b
38. Marine cargo insurance is required to limit the insurable interest ().
From the conclusion of an insurance contract to its termination, the applicant should always have an insurable interest in the subject matter insured.
When concluding an insurance contract, the applicant may not have an insurable interest in the subject matter insured, but he must have an insurable interest when making a claim.
C when concluding an insurance contract, the subject matter insured must have insurable interest at the insurance stage, and whether it has insurable interest is not investigated when claiming.
From the conclusion of the insurance contract to the termination, the applicant has no insurable interest in the subject matter insured.
Correct answer: b
39. After the insurance period of term insurance expires, if the insured is still alive, the provisions of the insurance clauses on the insurer's related obligations are ().
A. the insurance company has no obligation to pay
B. the insurer shall refund the insurance premium.
C. the insurer shall refund the cash value.
D. the insurance company pays the survival insurance.
Correct answer: a
40. In the practice of marine cargo insurance, the insured value is generally determined on the basis of the place of shipment.
A. the invoice price of the insured goods
The sum of the invoice price and freight of the insured goods.
The invoice price of the insured goods and the sum of freight and insurance premium.
The sum of the invoice price and insurance premium of the insured goods.
Correct answer: C.
4 1. The minimum registered capital of an insurance company is ().
A. 1 100 million yuan
200 million yuan
About 400 million yuan
500 million yuan
Correct answer: b
42. When general drugs are insured for product liability insurance, the insured usually takes () as the underwriting basis.
A. occur within the cycle
B. types of claims during the period
C. Post-occurrence types
D. Late claim form
Correct answer: b
43. The general way of aircraft insurance is ().
A. fixed value insurance
B. Uncertainty insurance
C. reinsurance
D. quota insurance
Correct answer: a
44. The relationship between the price of insurance substitutes and insurance rates and insurance supply is shown as ().
A. The price of substitutes drops, the insurance premium rate rises, and the insurance supply decreases.
B. the price of substitutes increases, the insurance premium rate decreases and the insurance supply decreases.
C. The price of substitutes decreases, the insurance premium rate increases and the insurance supply increases.
D. the price of substitutes increases, the insurance premium rate decreases and the insurance supply increases.
Correct answer: b
45. A factory is insured against machine damage. During the insurance period, if the workshop and other property are damaged due to explosion caused by machine overvoltage, and two operators present are injured, the insurer shall bear the responsibility ().
A. Be responsible for compensating the machine losses caused by overvoltage damage.
B. be responsible for compensating for the loss of the factory building caused by the explosion.
C. be responsible for compensating other property losses caused by the explosion.
D. be responsible for compensating the medical expenses of the two workers present.
Correct answer: a
46. According to China's General Principles of Civil Law, the age requirement for a citizen with full capacity for civil conduct is ().
A. 16 years old but under 18 years old
B. 16 years old but under 17 years old
C. 17 years old but under 18 years old.
D. At least 18 years old
Correct answer: D.
47. According to whether the value of the subject matter insured belongs to the insured contract, the insurance contract can be divided into ().
A. Fixed value insurance contracts and non-fixed value insurance contracts
B. Fixed insurance contracts and compensation insurance contracts
C. Complete insurance contracts and incomplete insurance contracts
D. Fixed insurance contracts and non-fixed insurance contracts
Correct answer: b
48. From the constitutive requirements of the legal relationship of insurance contract, the object part of property insurance contract is shown as ().
A. Insurance liability and liability exemption
B. Insurance premium and its payment method
C. methods of compensation or payment of insurance benefits
D. insured value and insured amount
Correct answer: D.
49. Among the following types of insurance, the general additional risk that belongs to marine cargo transportation insurance is ().
A. F.P.A.
B.theft insurance is not included.
C. Import tariff insurance
D. strike insurance
Correct answer: b
50. The expression of discount factor used in present value calculation is ().
A.V= 1/( 1+i)
B.V= 1/( 1-I)
C.V= 1/i
D.V= 1+i
Correct answer: a
5 1. Insurance is a financial arrangement to share unexpected losses. The angle of this insurance definition is ().
A. From the legal point of view
B. Social perspective
C. From an economic point of view
D. Risk management perspective
Correct answer: C.
52. According to the usual provisions of the ship insurance clauses, the insurance liability of general risks in all risks of ship insurance includes (), etc.
A. Improper staffing
B. Discard the goods
C. negligence of the insured
D. Improper equipment or loading
Correct answer: b
53. According to the provisions of China's "Financial System of Insurance Companies", the insurance business that does not need to withdraw the insurance guarantee fund is ().
A. Property insurance and personal accident insurance
B. Personal accident insurance and reinsurance
C. Reinsurance and life insurance
D. Life insurance and long-term health insurance
Correct answer: D.
54. An enterprise in the production process, caused by fire power failure, power failure caused by equipment damage, according to the provisions of the enterprise property basic insurance liability clause, equipment loss ().
A. it belongs to fire control responsibility
B. Responsibility for the explosion
C. it belongs to the loss of three stations.
D. It is a salvage loss.
Correct answer: a
55. In life insurance, if the age of the insured declared by the applicant is not true, and its true age does not reach the age limit stipulated in the contract, the insurer may terminate the contract, except that it exceeds () since the date of the contract.
A. 1 year
B.2 years
C.3 years
D.5 years
Correct answer: b
56. The insurance with the insured's personal injury or property loss caused by accidents in various businesses and business activities as the subject of economic compensation is called ().
A. Employer's liability insurance
B. Public liability insurance
C. product liability insurance
D. professional liability insurance
Correct answer: D.
57. For the allocation of double insurance, China adopts the method of ().
A. Proportional responsibility allocation method
B. Allocation method of limited liability
C. Sequential allocation of responsibilities
D. allocation of proportional liability and limited liability
Correct answer: a
58. In accidental injury insurance, when the insured is disabled due to accidental injury, the insurer will calculate the amount of disability insurance money payable to the insured according to the degree of disability. The calculation formula of disability insurance is ().
A. Disability insurance premium = insurable interest × degree of disability (%)
B Disability insurance = compensation limit × degree of disability (%)
C disability insurance = insurance liability × degree of disability (%)
D Disability insurance = insured amount × degree of disability (%)
Correct answer: D.
59. If p stands for principal, I stands for interest rate, n stands for the number of interest-bearing periods, I stands for interest amount, and S stands for the sum of principal and interest, the calculation formula of simple interest is ().
A.S=P( 1+n)
B.S=P( 1+ni)
C.S=P( 1+i)
D.S=P( 1+nI)
Correct answer: b
60. Ships sailing along the coast and inland rivers have been insured against all risks. The ship has been used for 2 years, and during the insurance period, part of it within the scope of insurance liability lost 300,000 yuan. If the insured amount of the insured ship is 6,543,805,000 yuan, the market price of the new ship when it is out of danger is 6,543,800,000 yuan. Excluding the residual value, under the deductible of 654.38 yuan +0 million yuan, the insurer's compensation amount is ().
0.30 million yuan
29,000 yuan
200,000 yuan
D.65438+900,000 yuan
Correct answer: D.
6 1. Insurance regulatory laws and regulations, insurance regulatory agencies, insurance industry self-discipline and insurance credit rating are collectively referred to as ().
A. Insurance supervision mechanism
B. Insurance supervision system
C. Insurance supervision mode
D. Insurance regulatory objectives
Correct answer: b
62. The following are the parties to an insurance contract ().
A. Beneficiaries
B. Insurance agents
C. the insured
D. insurance broker
Correct answer: C.
63. Applicable to the export of finished consumer goods, primary products and industrial raw materials, the credit period is generally in. /kloc-Credit insurance within 0/80 days is called ().
A. pre-shipment credit insurance
B. Post-shipment credit insurance
C. short-term export credit insurance
D. medium and long-term export credit insurance
Correct answer: C.
64. The subject of product quality assurance insurance is ().
A. Liability for personal injury caused by products to users
B. Liability of products for damage to third parties
C. Liability for product quality breach of contract
D. Liability for property losses caused by products to users
Correct answer: C.
65. The liability of an insurance company for each dangerous unit shall not exceed the sum of the actual existing capital plus the provident fund (), and the excess shall be reinsurance.
Five percent
B. 10%
C. 15%
D.20%
Correct answer: b
66. If the government includes insurance license supervision in insurance supervision, then this form of supervision belongs to ().
A. Announcement supervision mode
B. Standardize supervision methods
C. Entity supervision mode
D. Forms of supervision
Correct answer: C.
67. An enterprise insured enterprise property insurance, and a fire broke out during the insurance period, resulting in partial losses. According to the provisions of the "insurance law", within 30 days after the insurance compensation for losses, the insurance contract can be ().
A. termination of beneficiary
B. The insured proposes suspension
C. termination proposed by the insurance company
D. suspension proposed by the insurance company
Correct answer: C.
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