INSURANCE TESTS JEM RIU TANTAL only 30 jobs for 5 questions
Task 1.
Question 1. What insurance is the most primitive form?
1. Commercial;
2. Natural;
3. Property;
4. Personal;
5. Voluntary.
Question 2. What is the medieval insurance?
1. Fraternal;
2. manufactory;
3. Guild-shops;
4. workshops;
5. Professional.
Question 3. The medieval insurance differed from the ancient?
1. The presence of property insurance;
2. Availability of the insurance fund;
3. Lack of insurance premiums;
4. The great breadth of insurance coverage;
5. All of the above.
Question 4: What is the difference between the joint-stock insurance companies and state insurance?
1. Insurance companies carry out only non-life insurance;
2. Gosstrakh along with voluntary applies compulsory insurance;
3. Joint-stock insurance company only carried out compulsory insurance;
4. Insurance companies carry only private insurance;
5. There is no difference between them.
Question 5. What kind of insurance is carried insurance companies in Russia?
1. Liability insurance, pet insurance;
2. Property insurance, motor insurance risks;
3. Insurance of commercial operations, insurance default on contracts;
4. Insurance risks of loan default insurance of citizens;
5. All of the above.
Task 2.
Question 1: What are the signs determined the specificity of the insurance protection?
1. The term damage in kind or cash;
2. The random nature of the occurrence of a natural disaster or other manifestation of the destructive forces of nature;
3. Implementation of measures to prevent and overcome the consequences of a specific event;
4. The objective need for reparation;
5. All of the above.
Question 2. What is the insured event?
1. The obligation of the insurer to pay the sum insured or the insurance indemnity;
2. The set of redistributive relations over the counter or damages caused by the specific object of insurance;
3. The likelihood of damage to life, health and property of the insured as a result of the insured event;
4. The level of insurance valuation in relation to the value of the property accepted for insurance purposes;
5. Potentially possible damage to the insurance object.
Question 3. In which cases is not paid the insurance indemnity?
1. Natural causes of the death of subjects;
2. intent or gross negligence of the insured;
3. Defects in the property, which were known to the insurer;
4. Spontaneous combustion, fermentation, rotting, aging, corrosion of items;
5. All of the above.
Question 4. In some cases, the insurance company does not accept household property insurance? (Note the extra)
1. Housing is not provided properly supervised;
2. The property, located on the storage or processing of the commission;
3. The property is in common corridors, stairwells;
4. The property is in disrepair;
5. The property is situated on balconies and loggias of residential buildings.
Question 5. What are the mechanisms of insurance?
1. Effect of probabilities;
2. The effect of accumulation;
3. Effect of rare events;
4. The contents of paragraphs 2, 3;
5. The contents of paragraphs 1 and 2.
Task 29.
Question 1. What is reinsurance?
1. The insurance by one insurer to certain contract conditions of risk of execution of all or part of its obligations to the insured with another insurer;
2. The set of relationships between insurers on insurance risk;
3. The system of economic relations, in which the insurer is taking on the insurance risks, the responsibility for them passes on agreed terms to other insurers in order to create a balanced portfolio of insurance contracts, to ensure financial stability and profitability of insurance operations;
4. This form of liability insurance for the risk takes on each of several companies to the extent that is defined by additional agreement between them, and the insurance policy issued to the insured each of these companies, the insurers;
5. The contents of paragraphs 1, 2, 3.
Question 2: Who is the transferor?
1. A person who enters into and signs the contract of insurance with an insurer incurs obligations specified in the contract;
2. The insurer accepted the insurance risk and to allocate it in whole or in part in the reinsurance of another insurer;
3. The insurer analyzing risks in reinsurance;
4. An individual in the life of that contract;
5. An individual designated to receive the sum insured if the insured event occurs.
Question 3. What is the capacity of the insurance market?
1. The amount reflects the amount of money that can absorb the proposed market products, services, limited by the size of the services and the level of production;
2. The total amount of liability that the insurance companies involved in the insurance, reinsurance and coinsurance specified risk may take on the basis of their financial capabilities;
3. Potentially possible sales of certain goods within a specified period, depending on the demand for the product;
4. Special social and economic environment defined by the scope of economic relations, where the object of sale in favor of insurance protection form the supply and demand for it;
5. Historically determined social form of functioning of the insurance fund is an isolated structures involved in the conclusion of insurance contracts and their service.
Question 4: Who is the underwriter in the insurance business?
1. Specialist directly involved taking risks in reinsurance;
2. The insurer accepted the insurance risk and to allocate it in whole or in part in the reinsurance of another insurer;
3. Legal person who is responsible for the conclusion of insurance contracts and a portfolio Strass obligations;
4. The contents of paragraphs 1, 3;
5. The contents of paragraphs 1 and 2.
Question 5. What is the insurance damage?
1. The loss caused by the insured as a result of occurrence of the insured event;
2. The fee for compulsory insurance;
3. The cost of fully depreciated part of the victim or the damaged property assessment for the insurance;
4. The amount of money paid by the insured to the insurer for insurance;
5. The contents of paragraphs 1 and 3.
Task 30.
Question 1: Who is the assignee?
1. An individual who receives the sum insured under the contract of reinsurance;
2. The reinsurer who gives risk;
3. Insurance company that takes the risk to reinsurance;
4. The insurer, the risk of transmission to reinsurance;
5. The legal entity specializing in reinsurance.
Question 2. What is the transfer of risk from the reinsurer to a third party?
1. Sola;
2. The assignee;
3. Retrocession;
4. Renovation;
5. Coinsurance.
Question 3. What is the contract provides reinsurance?
1. Gives full freedom in deciding the assignor reinsurance;
2. The reinsurer obliges him to accept the proposed reinsurance share of these risks;
3. Requires tseden
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