Examination questions of insurance agent qualification examination (1)
Multiple choice questions (***40 points, 40 questions; 65438+ 0 points for each question, no points for wrong answers)
1: In order to prevent () of groups, insurers have strict standards and regulations for groups that insure group life insurance.
A: high coverage b: adverse selection
C: low premium D: early surrender
2. The premise of insurance risk collection and dispersion is the risk of most people and () risk.
A: similar to b: homogeneous
C: heterogeneity d: specificity
3. Part-time insurance agents do not need to have ().
A: legal person qualification or legal representative authorization B: insurance agent exhibition certificate.
C: insurance agency business (part-time business) license D: insurance agent qualification certificate
4. The applicant should have legally recognized rights and interests in ().
A: Insurance accident B: Insurance liability
C: Insurance Risk D: Subject matter insured
5. The subject matter of family property insurance mainly includes (), etc.
A: House, jewelry, family life materials B: Antiques, calligraphy and painting, family life materials.
C: Houses, securities and family means of subsistence D: Commercial appliances, raw materials and family means of subsistence for individual workers.
6. Fraud and arson are the risk factors of ().
A: Morality B: Society
C: Psychology D: Matter
7. Joint annuity payment, when several insured () die, the insurance contract is terminated.
A: All B: The first one.
C: Second D: Third.
8. Long-term life insurance contracts with the nature of survival insurance () often contain a large proportion of savings insurance premiums.
A: Injury insurance B: Pure insurance.
C: Additional insurance premium D: Medical insurance premium.
9. The characteristic of legal liability is ().
A: politics b: morality
C: punitive d: mandatory
10: () is the earliest life insurance type.
A: Health insurance B: Injury insurance.
C: Life insurance D: Mutual insurance.
1 1: The insurance premium retained by an insurance company engaged in property business in the current year shall not exceed () times the sum of actual capital plus provident fund.
A: 2B:3
C: 4d: 5 <; " Select:C " & gt；
12: An individual insurance agent may not ().
Answer: Acting as an agent to sell insurance products. B: The agent collects the insurance premium.
C: Issuing insurance policy D: Handling personal life insurance business.
13: The rights and obligations between the insurance agent and () constitute the main contents of the insurance agency contract.
A: Applicant B: the insured.
C: Beneficiary D: Insurer
14: The conclusion of an insurance contract is the basic requirement and guarantee for the establishment of insurance.
A: basic B: mainly
C: Law D: Society
15: controllable risk management technology mainly includes: (), prevention, dispersion and suppression.
A: Keep it to yourself B: Avoid it.
C: transfer d: dissolution
16: According to the causes of losses, risks can be divided into natural risks, social risks, economic risks, political risks and () risks.
A: pure b: technology
C: speculation d: responsibility
17: The liability limit of vehicle third-party liability insurance is divided into () grades.
A: 3B:4
C: 5d: 6 <; " Select:C " & gt；
18: Re-entry clause: After the insured has paid the insurance premium within the grace period, its fixed number of years shall be counted from the time when the insurance contract is concluded ().
A: establishment b: reinstatement
C: stop d: change
19: The insurer shall, within () days from the date of receiving the claim of the insured or beneficiary and the relevant information, pay the insured whose insurance liability cannot be determined according to the minimum amount that can be determined by the relevant information.
A: 10B:30
c:60D:90 & lt； " Select:C " & gt；
20: Applicable to persons with no capacity, persons with limited capacity and persons without legal representative ().
A: Authorized Agent B: Designated Agent.
C: Express agent D: Ratify agent
2 1: After the insurer obtains the right of subrogation in rem, all the interests of the subject matter belong to ().
A: Insurance Company B: Insured.
Party C: Responsible Party D: Beneficiary
22: Insurance refers to the commercial insurance behavior that the applicant pays the insurance premium to the insurer according to the contract, and the insurer assumes the insurance liability for the matters agreed in the contract.
A: compensation and payment b: compensation and apportionment
C: separation and dispersion D: dispersion and payment
23. There are () kinds of general additional risks in China's current marine cargo transportation insurance.
A: 1 1B:9
C: 6d: 2 <; "select: A">
24. The similarity between social insurance and commercial life insurance is ().
A: Based on the existence of risk B: Same charging standard.
C: Unified implementation of insurance D: Insurance helps the same system.
25. Family property insurance generally adopts the method of () compensation.
A: proportional liability b: limited liability
C: Fixed liability D: First danger
26: What the applicant asks for insurance and the insurer agrees to underwrite is the behavior of ().
A: offer b: counter-offer
C: commitment d: acceptance
27. The trading object of the insurance market is a special commodity, namely ().
A: risk protection b: insurance
C: insurable interest D: subject matter insured
28: The senior management personnel to be employed by an insurance agency must have ().
A: insurance agent qualification certificate B: insurance agent exhibition certificate
C: Insurance Agency Business License D: Insurance Agency Contract
29: When applying for a pledged loan, the applicant should hand over the insurance policy to () for possession.
A: Debtor B: Creditor
C: Beneficiary D: Insured.
30: Insurance agency refers to collecting handling fees from () according to the insurance entrustment.
A: Insurance Company B: Applicant
C: insured d: beneficiary < "Select: A" >
3 1: The main difference between comprehensive property insurance and basic insurance lies in the different provisions in ().
A: Insurance period B: Subject matter insured.
C: insurance amount d: insurance liability
32: Product liability insurance is not responsible ().
A: Personal losses caused by defective products B: Property losses caused by defective products.
C: Replacing defective products D: Necessary legal fees.
33: The maximum compensation amount of liability insurance depends on ().
A: the damage suffered by the victim b: the responsibility of the perpetrator.
C: the amount of compensation awarded by the court D: the compensation limit stipulated in the insurance policy.
34. The methods adopted by the strict insurance supervision department of the state to supervise the insurance industry mainly include (), inspection, rectification and takeover.
A: punishment b: cleaning up
C: Audit D: Adjustment
35: An insurance company shall withdraw its provident fund from () in accordance with relevant laws and the Articles of Association.
A: premium income b: operating income
C: operating surplus D: fee income
36: The business scope of a part-time insurance agent is ().
A: The agent issues the insurance policy B: The agent issues the approval form.
C: Insurance premium charged by the agent D: Investigation of agency losses
According to the insurance law, it is a form of punishment to order correction and confiscate illegal income.
A: Civil Affairs B: Administration
C: Civil D: Criminal
38. The management of insurance agents is generally achieved through the promulgation of various laws and regulations.
A: Government B: Trade organizations.
C: Insurer D: General Manager of the insurance agency.
39: If all kinds of technicians cause personal injury or property loss to the other party or others due to negligence or negligence in their work, the insurance for economic compensation is ().
A: product liability insurance b: employer liability insurance
C: professional liability insurance D: public liability insurance
40: Property insurance contracts can be divided into () insurance contracts according to the value of the subject matter insured.
A: Fixed and uncertain B: Fixed and uncertain
C: full and insufficient D: replacement value and actual value
2. Multiple choice questions (***40 points, 20 questions; 2 points for each question, 2 points for all correct options, or zero points)
4 1: The disease risk covered by health insurance shall meet the following requirements: ().
A: Due to non-obvious external reasons B: Due to obvious external reasons.
C: D for non-congenital reasons; D for non-permanent reasons.
42: Engineering insurance includes ().
A: installation engineering insurance b: aviation insurance
C: Construction insurance D: Ship insurance.
43: Accident insurance includes ().
A: general injury insurance b: income loss insurance
C: special injury insurance D: life insurance additional injury insurance
44: An insurance agent who has () behavior shall bear criminal responsibility.
A: Act for your own honor B: Forge insurance documents
C: Agent beyond the agency authority D: Invading a large amount of insurance premium.
45: The distribution method of double insurance usually has ().
A: the proportional responsibility system for the insured amount B: the sequential responsibility system
C: proportional liability system of compensation amount D: partial compensation system
46: In a property insurance contract, the insurer shall perform the obligation of ().
A: make insurance compensation b: explain the terms
C: Reduce the expenses and refund the expenses according to the degree of risk reduction of the subject matter D: Fully compensate the extra insurance.
47: An insurance agent engaged in insurance agency business activities shall not ().
A: Assist the insured to fill in the insurance application B: Assist the insured to determine the insured property items.
C: colluding with the insured to cheat the insurance company D: colluding with the insured to cheat the insurance company.
48: The basic principles of insurance activities include ().
A: the principle of observing laws and administrative regulations B: the principle of voluntariness
C: fair competition principle D: domestic insurance principle
49: The purpose of signing an insurance agency contract is to guarantee ().
A: the interests of the insured B: the interests of the insurer
C: the interests of third parties D: the interests of insurance agents
50: The basic function of insurance is ().
A: disaster prevention and loss prevention b: loss compensation
C: Payment of insurance premium D: Insurance investment
5 1: Life insurance can be divided into () according to the distribution of benefits.
A: profit insurance b: dividend insurance
C: loss insurance d: non-dividend insurance
52: According to the different ways of authorization, agents can be divided into ().
A: Authorized Agent B: Express agent.
C: Ratification agent D: Implied agent
53: The insured amount of vehicle loss insurance is usually determined by ().
A: the purchase price of the new car b: the actual value
C: The insurance parties negotiate D: The market price at the time of the accident.
54: General principles for concluding insurance contracts ().
A: voluntary principle b: consensus principle
C: the principle of fairness and mutual benefit D: the principle of lucky shooting
55: If an insurance company has () matters, it does not need to be reported to the insurance regulatory agency for approval.
A: change the name b: increase the number of employees
C: Change the department manager D: Adjust the business scope
56. Risk exists objectively, and its main feature is ().
A: objectivity b: universality
C: contingency d: inevitability
Chapter VI (Insurance Law) stipulates the issues involved in insurance ().
A: qualification b: marketing method
C: business rule d: solvency
58: Personal insurance is insurance with the insured's () as the subject matter.
A: Health B: Longevity.
C: body d: disability
59. The function of reinsurance is mainly ().
A: Spreading risks B: Expanding underwriting capacity
C: Ensuring the stable operation of insurance companies D: Expanding international exchanges
60: The premium rate is the price of the insured commodity and consists of ().
A: pure price b: additional price
C: cost rate D: various tax rates
III. True or false questions (***20 points, 40 questions, 0.5 point for each question, 0.5 point for the correct answer and 0.5 point for the wrong answer)
6 1: An insurance agent can represent multiple life insurance companies at the same time.
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The insurance liability of health insurance is the physical injury suffered by the insured due to accidents, sharp instruments and accidents.
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Speculative risk refers to the damage caused by speculation, and the result can only be a loss.
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64: People's health and life span are priceless and can only be insured at a fixed value.
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65: The existing interest of the property can be the object of the property insurance contract.
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66. Wind direction management refers to effectively controlling risks, properly handling losses caused by risks, and obtaining maximum safety activities with minimum investment.
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Insurance companies approved for establishment shall be issued with insurance business licenses by the administrative department for industry and commerce.
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68: The takeover of an insurance company by an insurance supervision and management institution does not affect the creditor-debtor relationship of the insurance company.
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Insurance agency contracts must be specific in content, accurate in literal meaning and complete in terms, otherwise there will be contract disputes in the implementation process.
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70: The maximum compensation for the reasonable expenses paid for the rescue and protection of the insured vehicle shall not exceed the insured amount.
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7 1: The insured amount refers to the maximum compensation or insurance premium paid by the insurer.
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72: The terms of insurance contracts are all formulated by the State Administration of Insurance Supervision.
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73. The paid-in capital of an insurance company engaged in insurance business nationwide shall not be less than 400 million yuan.
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Insurable risk refers to the risk that the applicant needs insurance.
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Insurance law in a broad sense refers to special insurance legislation, such as insurance code or insurance-related content in civil and commercial law, which usually includes insurance law, insurance contract law and special insurance law.
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The principle adopted in China's insurance law is territorialism and the combination of individualism and protectionism.
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Abiding by the contract is the basic professional ethics that insurance agents should abide by.
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According to the Insurance Law, to engage in commercial insurance business, an insurance company must be established in accordance with this Law. No other unit or individual may engage in insurance business.
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The applicant of an insurance contract can change automatically with the transfer of the subject matter of insurance.