【精品文档】如有侵权，请联系网站删除，仅供学习与交流保险学期末A卷.精品文档.上海外国语大学贤达经济人文学院20142015学年第一学期风险管理和保险原理课程期末考试试卷（ A 卷）考试时间： 90 分钟 考试形式： 闭卷 专业班级： 姓 名： 学 号： 题号一二三四五六总得分阅卷人核分人得分得分一. 名词解释 （5分*6题，共30分） Captive insurerUnearned premium reserve Twisting SubrogationUniversal life insurance res ipsa loquitur二. 判断题（2分*10题，共20分）选择题答案填写在下表答题区内，否则不得分。题号12345678910得分答题区1. Lloyds of London allows underwriters to write coverage without meeting stringent financial requirements.2. The function of an actuary is to adjust claims.3. The right of the states to regulate the business of insurance was first established byPaul v. Virginia.4. A total loss under a valued policy is settled on the basis of the market value of the loss.5. The deductible used for automobile collision losses is an example of a calendar year deductible.6. Most policies can be renewed for additional periods without evidence of insurability.7. murder is an intentional tort? 8. Damages awarded for losses that can be determined or measured are special damages.9. Builders risk coverage form is used to insure buildings that are under construction.10. Reimbursement for spoilage of frozen food caused by failure of a refrigeration unit at a frozen foods processor can be covered under extra expense insurance.三单选题 （2分*10题，共20分）选择题答案填写在下表答题区内，否则不得分。题号12345678910得分答题区1. Advantages of the direct response system for marketing life insurance include which of the following?I.Advertising can be specifically directed to selected markets.II.Complex products can be easily sold.A) I onlyB) II onlyC) both I and IID) neither I nor II2. Which of the following statements about underwriting policy is (are) true?I. A company must establish an underwriting policy consistent with company objectives.II. Underwriting policy is usually subjective and allows the underwriter considerable flexibility with respect to lines written and forms used.A) I onlyB) II onlyC) both I and IID) neither I nor II3. Which of the following would not appear in the asset section of an insurance companys balance sheet? A) loss reservesB) bondsC) common stockD) real estate4. Reasons for the unearned premium reserve include which of the following?I.To pay losses that occur during the policy period.II.To pay premium refunds to policyholders in the event of cancellation.A) I onlyB) II onlyC) both I and IID) neither I nor II5. Which of the following statements about the use of risk-based capital requirements is (are) true?I.Insurers must have a certain amount of capital depending on the riskiness of their investments and insurance operations.II.Insurers may be required to take certain actions depending on how much capital they have relative to their risk-based capital requirements.A) I onlyB) II onlyC) both I and IID) neither I nor II6. Which of the following is a fundamental purpose of the principle of indemnity?A) to reduce moral hazardB) to minimize physical hazardsC) to settle property insurance losses on a replacement cost basisD) to require deductibles in all property insurance policies7. Which of the following statements about open-perils coverage is (are) true?I. All losses are covered except those losses specifically excluded.II.The burden of proof is on the insured to prove that a loss is covered.A) I onlyB) II onlyC) both I and IID) neither I nor II8. 3) Which of the following pieces of information is needed to calculate a persons human life value? A) the marital status of the person. B) the persons estimated annual Social Security benefits after retirement.C) the persons cost of self-maintenance.D) current outstanding debts, including mortgage debt. 9. All of the following are elements of negligence EXCEPTA) the ability to pay damages.B) the failure to perform a legal duty to use reasonable care.C) damages or injuries to a claimant.D) proximate cause between the negligent act and the injury or harm that occurs.10. Which of the following statements about the building and personal property coverage form is (are) true?I. A limited amount of coverage is provided for pollutant cleanup and removal at the described premises if the release or discharge of the pollutant results from a covered cause of loss.II. Fire department service charges are specifically excluded because they are a normal cost of doing business.A) I onlyB) II onlyC) both I and IID) neither I nor II四案例分析题（15*2题，共30分）得分1. Mike took his friend, Donna, out to dinner on her birthday. While driving Donna home, Mike became ill and asked Donna to drive. While driving Mikes car, Donna negligently injured another motorist when