100% 高得点合格保証IF1無制限100解答で[2023]
IF1問題集でPDF、IF1最速合格したいならここ
CII IF1認定試験は、金融行動監視機関(FCA)やChartered Insurance Institute(CII)を含む多数の規制機関や専門団体によって認められています。これらの団体は、CII IF1認定試験の重要性と、保険業界の個人に提供する知識と理解を認めています。
CII IF1認定試験は、バックグラウンドや経験に関係なく、保険規制に関心のある人なら誰でも利用できます。ただし、この試験は、法的または規制上の役割で働く保険の専門家や、組織内の規制コンプライアンスの管理を担当する保険の専門家に特に適しています。 CII IF1認定を取得することにより、保険の専門家は、プロフェッショナリズムへのコミットメントと、保険業界の複雑な法的および規制環境をナビゲートする能力を実証できます。
CII IF1認定試験の主な目的の1つは、保険業界の専門家が、業界を管理する法的および規制の枠組みを包括的に理解することを保証することです。この試験では、規制環境、金融行動当局（FCA）の役割、保険法の原則などのトピックをカバーしています。これらのトピックを理解することは、保険業界の専門家にとって非常に重要です。これは、セクターの法的および規制上のパラメーター内で運営できるためです。
質問 # 15
John has a whole of life policy and has recently been diagnosed with cancer. When, if at all. must he disclose this to his insurer?
- A. Immediately, irrespective of prognosis.
- B. Immediately, but only if the diagnosis is terminal.
- C. He does not need to disclose this.
- D. At the date of the next premium payment.
正解：C
質問 # 16
The purpose of the EU solvency requirements for insurers and intermediaries is to
- A. introduce monitoring procedures by the Prudential Regulation Authority.
- B. create a standard format for the presentation of accounting data.
- C. strengthen the financial security of the insurer or intermediary.
- D. provide authorisation to transact insurance business.
正解：B
質問 # 17
When an insurer is aware that the total value of stock is more than the sum insured and issues a policy on this basis, this is known as
- A. a first loss policy.
- B. a new for old policy.
- C. a real statement.
- D. an indemnity policy.
正解：A
質問 # 18
An insurance company has employed an individual from a rival firm to carry out a similar job. At which stage would the regulatory requirements for retaining training and competence records first apply to the new employee, if at all?
- A. From the initial interview.
- B. Within 18 months of employment.
- C. When the employee first has contact with members of the public.
- D. It would not apply, as the employee is already fully competent.
正解：C
質問 # 19
If an insured signs an agreement with a hold harmless clause, this may prevent the insurer from
- A. increasing the premium.
- B. disclosing details to a third party.
- C. pursuing subrogation rights.
- D. reinsuring the risk.
正解：C
質問 # 20
In a chain of events, the proximate cause of a loss is always the
- A. only event contributing towards the loss.
- B. last event before the loss occurs.
- C. dominant event leading to the loss.
- D. only event which is not excluded by the terms of the policy.
正解：C
質問 # 21
An insured is temporarily disabled due to illness and unable to work. During this period, what type of insurance policy will typically pay a weekly benefit for up to two years?
- A. A personal accident and sickness insurance policy.
- B. An employers' liability insurance policy.
- C. A medical expenses insurance policy.
- D. A critical illness insurance policy.
正解：A
質問 # 22
The accident record for a printworks show that for every one major injury, there have been 30 minor incidents and 900 non-injury events reported. How would major work injuries be classified in relation to frequency and severity?
- A. High frequency, high severity.
- B. Low frequency, high severity.
- C. High frequency, low severity.
- D. Low frequency, low severity.
正解：B
質問 # 23
Peter currently has no penalty points on his driving licence, although he was convicted of a minor motoring offence eight years ago. Why does Peter NOT need to disclose this to his motor insurer?
- A. It represents a physical hazard.
- B. It is information that would not influence an underwriter.
- C. It represents a moral hazard.
- D. It is a spent conviction.
正解：D
質問 # 24
Lloyd's is known as a subscription market because
- A. if an insurer writes a particular class, he is expected to subscribe to the majority of these risks.
- B. the underwriter assigns his signature individually to each risk.
- C. a number of syndicates accept a share of the same risk.
- D. a fee must be paid.
正解：C
質問 # 25
A loss adjuster normally acts on behalf of the
- A. insurer.
- B. insured.
- C. Financial Ombudsman Service.
- D. Financial Services Compensation Scheme.
正解：A
質問 # 26
How do an insurer's subrogation rights differ, if at all, between a theft policy and a personal accident policy?
- A. Subrogation rights only apply under a personal accident policy.
- B. Subrogation rights do not apply under either policy.
- C. Subrogation rights apply under both policies.
- D. Subrogation rights only apply under a theft policy.
正解：D
質問 # 27
Joel buys a house in a flood plain, but it has NOT flooded for 10 years. In purchasing insurance, Joel is managing what element of risk?
- A. Certainty.
- B. Statutory requirements.
- C. Frequency.
- D. Uncertainty.
正解：D
質問 # 28
In order for a contract to be legally enforceable, what further action is required after offer and acceptance?
- A. Witnessing by a third party.
- B. Exchange of consideration between the two parties.
- C. Delivery of goods or services concerned.
- D. Provision of written terms and conditions.
正解：B
質問 # 29
A firm of insurance brokers invite Stuart. an underwriter who handles its account, on a Caribbean cruise with his family. How should Stuart react to this invitation in order to comply with the Chartered Insurance Institute's Code of Ethics?
- A. Decline as this is against the Financial Ombudsman Service regulations.
- B. Decline to avoid any suggestion he is being compromised.
- C. Accept only on the basis that the cost is less than £1.000.
- D. Accept on the basis that this is an accepted business practice.
正解：B
質問 # 30
If an insurer invokes the cancellation clause to cancel a policy mid-year due to a change in the risk, how much of the premium, if anything, is normally returned to the policyholder?
- A. The full year's premium.
- B. The full year's premium less a fixed nominal charge.
- C. None of the premium.
- D. A pro rata amount.
正解：B
質問 # 31
How would an employee benefit directly from her employer's business interruption insurance if its factory was forced to close temporarily due to flood damage?
- A. By payment of an early retirement pension.
- B. By continuation of her wages.
- C. By payment of a redundancy lump sum.
- D. By compensation for loss of bonus.
正解：B
質問 # 32
Insurers and intermediaries are required to adhere to solvency requirements as stipulated by the
- A. European Union.
- B. Financial Ombudsman Service.
- C. Association of British Insurers.
- D. Financial Services Compensation Scheme.
正解：A
質問 # 33
Bye-laws are passed at the Lloyd's Market by the
- A. Lloyds Managing Agent.
- B. Corporation of Lloyd's.
- C. Council of Lloyd's.
- D. Lloyd's Market Association.
正解：C
質問 # 34
Who can place business directly with a Lloyd's underwriter?
- A. Lloyd's brokers only.
- B. Members of the public.
- C. Lloyd's brokers and other intermediaries.
- D. Lloyd's agents.
正解：C
質問 # 35
The purpose of Insurance Premium Tax is to
- A. fund the Association of British Insurers.
- B. reimburse for claims of insolvent insurers
- C. pay for flood defences.
- D. raise revenue for the Government.
正解：D
質問 # 36
In accordance with the principle of good faith, which facts must a potential policyholder disclose to the insurer when applying for insurance?
- A. Only those facts considered likely to reduce the cost of cover
- B. Any facts of law.
- C. Any facts which are in the public domain.
- D. Any facts which are considered material to the risk.
正解：D
質問 # 37
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