C130問題集、IIC実際の試験問題

質問 1

Insurance is based on the existence of which factor?

A. Tortfeasors

B. Risk

C. Absolute liability

D. Premium

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 2

A tenant's negligence causes a fire in the dwelling they rent. Typically, who is initially responsible for paying the damage?

A. The insurer that issued the homeowners policy

B. The tenant who negligently caused the fire

C. The dwelling's owner who is responsible for the tenant's actions

D. The insurer that issued the tenant's legal liability policy

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 3

In law, what does the term prescription mean?

A. Guidelines relating to the acceptability of a class of risk

B. Limited time after which a cause of action ceases

C. Transferring of the rights for action against the responsible party to the insurer

D. Committing to an automatic renewal process

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 4

An underwriter receives a submission for a restaurant. The base rate is $0.80 per $100. Due to the client's loss history, the underwriter decides on a $0.15 loading. What premium would the underwriter charge for a building valuation of $200,000?

A. $1,750

B. $1,300

C. $1,900

D. $1,600

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 5

Why would an intermediary want to know if a client is renovating their home?

A. The increase in property taxes will have to be factored into the premium.

B. The policy needs to be cancelled and written under a builder's risk policy.

C. The risk of a peril occurring is greater for a building under construction.

D. The liability hazards decrease because the home is unoccupied.

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 6

W & A Insurers Inc. has a capacity of $30 million for any single property risk. It also has a reinsurance agreement with Tri-insurance Inc. for an additional $40 million. A broker approaches W & A Insurers Inc.
with a request to write a low-hazard $37 million liability risk. What is the insurer's retention if it accepts and reinsures the risk?

A. $27 million

B. $37 million

C. $40 million

D. $30 million

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 7

What should be considered when adding the increased cost-demolition or construction endorsement to an insurance policy?

A. The older the building, the more likely it is to deviate from current building codes.

B. Municipal building codes often require that owners update their property every 10 years.

C. Since the entire building has to be demolished to bring it up to code after a loss, the coverage increases the amount of insurance.

D. It covers the requirement to bring existing structures up to code, even when the building remains unchanged.

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 8

When brokers are self-regulated, which body enacts the licensing laws?

A. Insurance company with which the intermediary places the majority of business

B. Brokerage or agency in which the intermediary is employed

C. Provincial or territorial government

D. Federal government only

正解: C

解説: (PassTest メンバーにのみ表示されます)

IIC Essential Skills for the Insurance Broker and Agent - C130 模擬練習