C130 試験問題を無料オンラインアクセス

Marsha, a broker, receives a call from a frustrated client regarding their increasing premium. How should she explain the increase to the client?

• A.Premiums are determined by statistical predictions of past losses and they increase during a soft market.
• B.Premiums are determined by statistical predictions of future losses and they increase during a hard market.
• C.Premiums are determined by statistical predictions of past losses and they increase during a hard market.
• D.Premiums are determined by statistical predictions of future losses and they increase during a soft market.

Which statement describes the reimbursement of voluntary medical payments under a personal liability policy?

• A.The insured is required to provide written proof and medical documentation.
• B.The injured party is required to prove that their injuries occurred as a result of negligence.
• C.The insured and the third party must live in the same household for there to be payment.
• D.The third party will be reimbursed solely for direct damage to their property.

What is the role of insurance intermediaries under the law of agency?

• A.Act as third parties in insurance contracts
• B.Issue policies on any risk agents deem insurable
• C.Balance dual responsibilities to the insurers and to the insureds
• D.Confirm with the insurers that all exposures are covered

What aspect of communication involves parties interpreting verbal and non-verbal cues?

• A.Matching
• B.Building rapport
• C.Passive exchange
• D.Active listening

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.$37 million
• B.$27 million
• C.$30 million
• D.$40 million