保險學期末A卷

1、上海外國語大學賢達經濟人文學院20142015學年第一學期風險管理和保險原理課程期末考試試卷（A卷）考試時間：90分鐘考試形式：閉卷專業(yè)班級:姓名;學號；一.名詞解釋（5分*6題，共30分）CaptiveinsurerUnearnedpremiumreserveTwisting題號一二三四五六總得分閱卷人核分人得分resipsaloquiturSubrogationUniversallifeinsurance.判斷題（2分*10題，共20分）選擇題答案填寫在下表答題區(qū)內，否則不得分。題號12345678910得分答題區(qū)1. Lloyd'sofLondonallowsunderwrite

2、rstowritecoveragewithoutmeetingstringentfinancialrequirements.2. Thefunctionofanactuaryistoadjustclaims.3. TherightofthestatestoregulatethebusinessofinsurancewasfirstestablishedbyPaulv.Virginia.4. Atotallossunderavaluedpolicyissettledonthebasisofthemarketvalueoftheloss.5. Thedeductibleusedforautomob

3、ilecollisionlossesisanexampleofacalendaryeardeductible.6. Mostpoliciescanberenewedforadditionalperiodswithoutevidenceofinsurability.7. murderisanintentionaltort?8. Damagesawardedforlossesthatcanbedeterminedormeasuredarespecialdamages.9. Buildersriskcoverageformisusedtoinsurebuildingsthatareundercons

4、truction.10. Reimbursementforspoilageoffrozenfoodcausedbyfailureofarefrigerationunitatafrozenfoodsprocessorcanbecoveredunderextraexpenseinsurance.三.單選題（2分*10題，共20分）選擇題答案填寫在下表答題區(qū)內，否則不得分。題號12345678910得分答題區(qū)1. Advantagesofthedirectresponsesystemformarketinglifeinsuranceincludewhichofthefollowing?I) Adve

5、rtisingcanbespecificallydirectedtoselectedmarkets.J) .Complexproductscanbeeasilysold.K) IonlyL) IIonlyM) bothIandIIN) neitherInorII2. Whichofthefollowingstatementsaboutunderwritingpolicyis(are)true?I) Acompanymustestablishanunderwritingpolicyconsistentwithcompanyobjectives.J) .Underwritingpolicyisus

6、uallysubjectiveandallowstheunderwriterconsiderableflexibilitywithrespecttolineswrittenandformsused.K) IonlyL) IIonlyM) bothIandIIN) neitherInorII3. Whichofthefollowingwouldnotappearintheassetsectionofaninsurancecompany'sbalancesheet?A) lossreservesB) bondsC) commonstockD) realestate4. Reasonsfor

7、theunearnedpremiumreserveincludewhichofthefollowing?A) Topaylossesthatoccurduringthepolicyperiod.B) .Topaypremiumrefundstopolicyholdersintheeventofcancellation.C) IonlyD) IIonlyE) bothIandIIF) neitherInorII5. Whichofthefollowingstatementsabouttheuseofrisk-basedcapitalrequirementsis(are)true?I. Insur

8、ersmusthaveacertainamountofcapitaldependingontheriskinessoftheirinvestmentsandinsuranceoperations.II. Insurersmayberequiredtotakecertainactionsdependingonhowmuchcapitaltheyhaverelativetotheirrisk-basedcapitalrequirements.A) IonlyB) IIonlyC) bothIandIID) neitherInorII6. Whichofthefollowingisafundamen

9、talpurposeoftheprincipleofindemnity?A) toreducemoralhazardB) tominimizephysicalhazardsC) tosettlepropertyinsurancelossesonareplacementcostbasisD) torequiredeductiblesinallpropertyinsurancepolicies7. Whichofthefollowingstatementsabout"open-perils"coverageis(are)true?I) Alllossesarecoveredex

10、ceptthoselossesspecificallyexcluded.J) .Theburdenofproofisontheinsuredtoprovethatalossiscovered.A)IonlyK) IIonlyL) bothIandIIM) neitherInorII8. 3)Whichofthefollowingpiecesofinformationisneededtocalculateaperson'shumanlifevalue?A) themaritalstatusoftheperson.B) theperson'sestimatedannualSocia

11、lSecuritybenefitsafterretirement.C) theperson'scostofself-maintenance.D) currentoutstandingdebts,includingmortgagedebt.9. AllofthefollowingareelementsofnegligenceEXCEPTA) theabilitytopaydamages.B) thefailuretoperformalegaldutytousereasonablecare.C) damagesorinjuriestoaclaimant.D) proximatecauseb

12、etweenthenegligentactandtheinjuryorharmthatoccurs.10. Whichofthefollowingstatementsaboutthebuildingandpersonalpropertycoverageformis(are)true?I. Alimitedamountofcoverageisprovidedforpollutantcleanupandremovalatthedescribedpremisesifthereleaseordischargeofthepollutantresultsfromacoveredcauseofloss.II

13、. Firedepartmentservicechargesarespecificallyexcludedbecausetheyareanormalcostofdoingbusiness.A) IonlyB) IIonlyC) bothIandIID) neitherInorII四.案例分析題（15*2題，共30分）1. Miketookhisfriend,Donna,outtodinneronherbirthday.Whiledriving1得分Donnahome,MikebecameillandaskedDonnatodrive.WhiledrivingMikescar,Donnanegl

14、igentlyinjuredanothermotoristwhenshefailedtostopata'redlight.Mikehasanautoinsurancepolicywithaliabilityinsurancelimitof$250,000perpersonforbodilyinjuryliability.Donnahasasimilarautoinsurancepolicywithaliabilitylimitof$100,000perperson.a. Ifacourtawardsaliabilityjudgmentof$100,000againstDonna,how

15、much,ifany,willeachinsurerpay?b. Iftheliabilityjudgmentis$300,000,howmuch,ifany,willeachinsurerpay?c. AssumethatMikecannotaffordtopaythepremiumandletshisautoinsurancepolicylapse.AtthetimeofaccidentDonnais$100,000,howmuch,ifany,willDonna'sinsurancepay?2. Kimberlyownsandoperatesatennisshopinaresor

16、tarea.Thebusinessisseasonal.AlargepartoftheannualrevenuesareduetosalesinJune,JulyandAugust.Kimberlykeepstheshopopenduringtheremainingmonthsoftheyear,buttheinventorycarriedduringthosemonthsisreduced.Duringthesummermonths,theamountofinventoryonhandissubstantiallyincreased.Kimberlyhasthebusinessinsured

17、underthespecialendorsementsattached.a. Assumeyouareariskmanagementconsultant.IdentifythemajorlossexposuresthatKimberlyfaces.b. AssumethatacoveredlossoccursinJuly,whichdamagespartoftheinventory.DoestheBOPprovideanyprotectionfortheincreaseininventoryduringthesummermonths?Explainyouranswer.c. Kimberlyp

18、lanstohireanadditionalemployeeduringthesummermonthswhensalesareincreasing.Sheisconcernedaboutpossibleemployeetheftanddishonesty.ExplaintoKimberlyhowthislossexposurecanbehandledundertheBOP.d. Afiredamagedthebuilding.Asaresult,Kimberlyincurredabusinessincomelossbecausethebusinesswasclosedforthreemonth

19、s.e. Vandalsbroketheextremeglasswindowtothebusiness,whichcausedsubstantialdamagetothebuilding.審核人:時間：2014.12.12命題人：林謙附件：答案（評分標準）上海外國語大學賢達經濟人文學院20142015學年第一學期風險管理和保險原理課程期末考試答案（評分標準）（A卷）考試時間：90分鐘考試形式：閉卷適用專業(yè)：經濟、管理一.名詞解釋（5分*6題，共30分）Captiveinsurer:insurancecompanyestablishedandownedbyaparentfirminorderto

20、insureitslossexposureswhilereducingpremiumcosts,providingeasieraccesstoareinsurer,andperhapseasingtaxburdens.Unearnedpremiumreserve:LiabilityreserveofaninsurancecompanythatrepresentstheunearnedpartofgrosspremiumonalloutstandingpoliciesatthetimeofvaluationTwisting:Illegalpracticeofinducingapolicy-own

21、ertodropanexistingpolicyinonecompanyandtakeoutanewpolicyinanotherthroughmisrepresentationorincompleteinformation.Subrogation:Substitutionoftheinsurerinplaceoftheinsuredforthepurposeofclaimingindemnityfromanegligentthirdpartyforalosscoveredbyinsurance.Universallifeinsurance:Aflexible-premiumwholelife

22、policythatprovideslifetimeprotectionunderacontractthatseparatestheprotectionandsavingcomponents.Thecontractisaninterest-sensitiveproductthatunbundlestheprotection,saving,andexpensecomponents.resipsaloquitur:Literally,thethingspeaksforitself.Underthisdoctrine,theveryfactthattheeventoccurredestablishe

23、sapresumptionofnegligenceonbehalfofthedefendant.二.判斷題（2分*10題，共20分）1F、2F、3T、4F、5F、6T、7F、8T、9T、10F三.單選題（2分*10題，共20分）1A、2A、3A、4C、5C、6A、7A、8C、9A、10A四案例分析題（15分*2題，共30分）1. a.Donnaiscoveredunderherpolicysincesheisdrivinganon-ownedcarwiththepermissionoftheowner.SheisalsocoveredunderMikepsolicy.However,Mikespolicyisprimary,andDonnaspolicyisexcess.Accordingly,DonnaspolicydoepayuntilMikespolicylimitsareexhausted.Mikespolicywillpay$100,000.Donnapolicypaysnothing.b.Mikespolicypays$250,000.Donnaspolicypays$50,000.c.$100,0002. a.Themajor