保险学期末A卷.docxVIP

上海外国语大学贤达经济人文学院2014～2015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名词解释（5分*6题，共30分）Captive insurerUnearned premium reserveTwistingSubrogationUniversal 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Lloyds of Londonallows underwriters to write coverage without meeting stringent financial requirements.The function of an actuary is to adjust claims.The right of the states to regulate the business of insurance was first established byPaul v. Virginia.A total loss under a valued policy is settled on the basis of themarket value of the loss.The deductible used for automobile collision losses is an example of a calendar year deductible.Most policies can be renewed for additional periods without evidence of insurability.murder is an intentional tort? Damages awarded for losses that can be determined or measured arespecialdamages.Builders risk coverage form is used to insure buildings that are under construction.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 IIWhich 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 estateReasons for the unearn