2013改版后保代考试机考真题四含答案20页

保代考试机考真题四一、选择题(共90题，每题1分)1、根据风险管理理论，风险管理技术分为两类，分别为( )A、感知型和财务型风险管理技术B、控制型和财务型风险管理技术C、控制型和分析型风险管理技术’D、感知型和分析型风险管理技术2、根据《保险销售从业人员监管措施》规定，保险销售人员从事保险销售活动时，不得有旳行为包括( )等A、不替代投保人签订保险协议B、在客户明确拒绝投保后干扰客户C、向客户阐明分红保险等新型保险产品旳费用扣除状况D、向客户明确阐明保险协议中责任免除3、社会保险与商业保险共同点之一是( )A、均以社会再生产人旳要素为对象B、均以社会安定为目旳C、均以保险协议为目旳D、均以个人公平为原则4、在一般医疗保险中，当被保险人每次疾病所发生旳费用合计超过保险金额时，保险人旳处理方式是( )A、不再承担保险责任B、承担超过部分保险责任C、承担超过部分20％保险责任D、承担超过部分50％保险责任。

5、保守秘密是保险销售从业人员旳一项义务。

这里所指旳秘密是指( )。

A、客户和所属机构旳秘密B、仅指客户旳秘密C、仅指所属机构旳秘密．’D、保险销售人员互相之间旳秘密6、根据风险产生旳原因分类，风险可以分为( )A、自然风险、社会风险、政治风险、经济风险和技术风险B、财产风险、人身风险、责任风险和信用风险C、纯粹风险和投机风险D、静态风险和动态风险7、人身保险旳保险金额既不能过高，．．也不适宜过低。

一般考虑旳一种重要原因是( )A、投保人对人身保险需要旳承诺B、保险人对人身保险旳承保能力，C、受益人对人身保险需要旳程度D、被保险人对人身保险需要旳程度8、根据我国反不合法竞争法，监督检查部门在监督检查不合法竞争行为时，有义务如实提供有关资料或状况旳是( )A、一般消费者B、利害关系人C、所有经营者D、消费者协会9、由于个人或团体旳行为(包括过错行为、不妥行为即故意行为)或不行为，使社会生产和人们生活遭受损失旳风险被称为( )A、信用风险B、责任风险C、政治风险D、社会风险10、责任保险旳承诺基础有( )A、期内发生式和期满发生式B、期内索赔式和期满索赔式C、期内发生式和期内索赔式D、期满发生式和期满索赔式’11、某企业投保企业财产保险，保险金额为70万元，火灾后被保险财产全损，重置价值为100万元。

最新保保网保险代理人考试试题（4）D、推定被保险人在观察期内的患病为观察期后刚产生的72、在我国，投资连结保险产品的特点之一是( )A、产品至少连接到一个投资账户上B、产品至多连接到一个投资账户上C、产品至少连接到一个资产形态上D、产品至多连接到一个资产形态上73、在订有失踪条款的人身意外伤害保险合同中，如果被保险人在约定的失踪期结束时仍下落不明，保险人将视同死亡，给付死亡保险金。

如果被保险人以后又生还的，则保险人的处理意见是( )A、要求受益人返还已领取的部分保险金B、要求受益人返还已领取的全部保险金C、要求被保险人返还受益人领取的部分保险金D、要求被保险人返还受益人领取的全部保险金74、在重大疾病保险中，某类产品通常作为寿险的附约，保险责任包含重大疾病和死亡高残两类，且有确定的生存期间，这种类型的重大疾病保险属于( )A、独立主险型重大疾病保险B、提前给付型重大疾病保险C、附加给付型重大疾病保险D、比例给付型重大疾病保险75、保险销售人员对拟定的保险方案向准保户作出简明、易懂、准确的解释被称为( )A、保险方案设计B、保险方案拟定C、保险方案推荐D、保险方案说明76、根据<保险销售从业人员监管办法》的有关规定，受理保险销售从业人员资格考试报名申请需要满足的条件之一是( )A、违反考试纪律情节严重，被宣布考试成绩无效刚满6个月B、违反考试纪律情节严重，被宣布考试成绩无效刚满1年C、违反考试纪律情节严重，被宣布考试成绩无效刚满2年D、违反考试纪律情节严重，被宣布考试成绩无效已满3年77、在健康保险中，保险人以因意外伤害、疾病导致收入中断或减少为给付保险金条件的保险属于( )A、失能收入损失保险B、疾病损失保险C、伤害补偿保险D、利益保证保险78、在健康保险比例给付条款中，如果采用累进比例给付方式，则保险人承担医疗费用的比例和被保险人自付比例之间的关系是( )A、医疗费用支出增加，保险人承担比例减小，被保险人自付比例增大B、医疗费用支出增加，保险人承担比例减小，被保险人自付比例也减小C、医疗费用支出增加，保险人承担比例增大，被保险人自付比例减小D、医疗费用支出增加，保险人承担比例增大，被保险人自付比例也增大79、与人寿保险和人身意外伤害保险相比，健康保险中道德风险存在的情况是( )A、道德风险几乎没有B、道德风险比较少见C、道德风险更为严重D、道德风险容易控制80、由于个人或团体的行为(包括过失行为、不当行为及故意行为)或不行为使社会生产及人们生活遭受损失的风险被称为( )A、信用风险B、责任风险C、政治风险D、社会风险81、根据我国《反不正当竞争法》规定公用企业存在限定他人购买指定经营者的产品，排挤其他经营者的不公平竞争行为时，有权对其进行检查监督的机构是( )A、乡级工商行政管理部门B、县级工商行政管理部门C、市级工商行政管理部D、省级工商行政管理部门82、相对于财产保险中各种自然灾害和意外事故而言，人身保险中风险事故发生概率的特点是( )A、频繁波动B、保持恒定C、较为稳定D、逐步递增83、在人身意外伤害保险中，未来可能领取保险金的人包括( )A、被保险人或受益人B、被保险人或投保人C、投保人或受益人D、投保人或代理人84、依据我国反不正当竞争法，如果经营者在帐外暗中给予对方单位或个人回扣，其行为属于( )A、收贿B、诱骗C、欺诈D、贿赂85、构成人身意外伤害保险保险责任的必要条件之一是被保险人在责任期限内( )A、死亡或残疾B、生存或失业C、生病或年老D、健康或生存86、在财产保险合同中，可能出现由于第三者的行为导致被保险人遭受保险责任范围内损失的现象，我国保险人对于这种情况所遵循的赔偿原则是( )A、给付原则B、比例分摊原则C、足额赔付原则D、代位求偿原则87、保险销售人员在准保户对于投保建议书基本认同的条件下，促成准保户达成购买承诺的过程被称为( )A、促成签约B、保险承保C、保险承诺D、签订保单88、在人身意外伤害保险中，保险期限为一年的人身意外伤害保险业务称为( )A、一年期意外伤害保险B、多年期意外伤害保险C、较长期意外伤害保险D、超长期意外伤害保险89、张某投保了保险金额为1万元的家庭财产两全保险，缴纳保险储金1000元。

2013版新教材山东保代模拟题四一、选择题1、保单贷款的贷款数额一般不超过（）的一定比例A.保单保险责任B.保单预期价值C.保单保费数额D.保单现金价值2、在人寿保险经营过程中，用于保险经营过程中一切开支的费用来源于（）A.附加保费B.收费费用C.维持费用D.管理费用3、根据我国反不正当竞争法的规定，政府及其所属部门限定他人购买其指定的经营者的商品、限制其他经营者正当的经营活动，或者限制商品在地区之间正常流通，情节严重的，对直接责任人员将给予相应的处分，实施处分的主体是（）A.同级或者上级机关B.工商管理部门C.人民检察院D.人民法院4、符合中国保险监督管理委员会派出机构的规定，降低学历要求取得保险销售从业人员资格证书者，其从业地域范围为（）A.所在省级区域B.所在保险公司、保险代理机构经营区域C.该派出机构辖区D.所在市级区域5、风险管理的基本目标是（）A.以最小成本获得最大安全保障B.完全消除所有潜在的风险C.得到最优的购买保险安排D.损失出现后可以迅速采取科学措施补救6、消费者李某在使用甲商场出售的商品时合法权益受到损害，但是不久乙公司兼并了甲商场。

根据我国消费者权益保护法的规定，对李某遭受的损害的正确处理应该是（）。

A.由李某自担B.由乙公司负责赔偿C.原甲商场的采购商负责赔偿D.原甲商场的供货商负责赔偿7、某公民甲某，被宣告死亡后，由其妹妹继承的甲某的两间房屋因经济拮据卖给了公民乙。

但是甲某在被宣告死亡二年后重新出现，并由法院撤消对他的死亡宣告。

那么，根据《民法通则》的规定，对于这两间房屋的处理意见是（）A.由乙无偿返还甲B.甲某无权要求返还C.由乙返还甲，甲退款给乙D.由甲的妹妹把卖房款返还给甲8、一般而言，雇主责任保险的赔偿额度分为（）A.职业病的限额和伤残的限额B.死亡的限额和职业病的限额C.死亡的限额和伤残的限额D.职业病的限额和意外的限额9、在万能保险中，保险人主要提供两种死亡给付方式（习惯上称为A方式和B方式），即（）A.均衡给付方式和直接随保单现金价值的变化而改变的方式B.波动给付方式和间接随保单现金价值的变化而改变的方式C.递增给付方式和直接随保单账户资产的变化而改变的方式D.递减给付方式和间接随保单账户资产的变化而改变的方式10、按照保险标的价值在订立合同时是否确定进行分类，保险合同分为（）A.定额保险合同和补偿保险合同B.定值保险合同和不定值保险合同C.单一风险合同和综合风险合同D.原保险合同和再保险合同11、保险客户服务是保险经营的重要环节之一，保险客户服务的目的是（）A.实现社会效益最大化B.实现客户满意最大化C.实现业务结构合理化D.实现效益增长快速化12、按照保险条款对当事人的约束程度，可将保险条款分为（）A.法定条款和任意条款B.基本条款和附加条款C.任意条款和附加条款D.法定条款和基本条款13、保险客户服务中，保险人为广大的潜在消费者提供的各种有关保险行业资讯，咨询.免费讲座.风险规划与管理等服务活动属于（）。

1、根据我国《保险法》的规定，在财产保险合同中，保险责任开始后,投保人要求解除合同的，保险人应当将已收取的保险费，按照合同约定扣除自保险责任开始之日起至合同解除之日止应收的部分后，将剩余的现金价值退还投保人.（）A.√B。

×2、投保人申报的被保险人年龄不真实，并且其真实年龄不符合约定的年龄限制的,保险人应该解除保险合同并且不退还保险费。

（）A.√B。

×3、经营商业保险业务的保险公司可以兼营其他业务.（)A。

√B. ×4、保险公司分支机构的民事责任由保险公司承担。

（)A．√B．×5、据《仲裁法》的规定，在湖南省望城县能设立仲裁委员会.（)A．√B．×6、我国《保险法》规定：保险监督管理机构依法履行职责,可以采取对保险公司、保险代理人、保险经纪人、保险资产管理公司、外国保险机构的代表机构进行现场检查等措施。

() A．√B．×7、根据我国《保险法》的规定，保险人自收到赔偿或者给付保险金的请求和有关证明、资料之日起六十日内，对其赔偿或者给付保险金的数额不能确定的，应当根据已有证明和资料可以确定的最高数额先予支付;保险人最终确定赔偿或者给付保险金的数额后，应当支付最终确定的保险金数额。

（）A.√B.×8、根据我国《保险法》的规定，保险公司未按照《保险法》规定提取或结转各项准备金，由保险监督管理机构责令该保险公司停业并调整负责人及有关管理人员（）A。

√B.×9、我国《保险法》规定:人身保险的受益人由被保险人或者投保人指定。

投保人指定受益人时须经被保险人同意。

投保人为与其有劳动关系的劳动者投保人身保险，可以指定被保险代理从业人员资格考试模拟试题及解析三保险人及其近亲属以外的人为受益人( )A.√B。

×10、我国《保险法》规定：保险公司未依照本法规定提取或者结转各项责任准备金,或者未依照本法规定办理再保险，或者严重违反本法关于资金运用的规定的，由保险监督管理机构责令限期改正，并可以责令调整负责人及有关管理人员。

2013年保代考试真题（简单回忆版）一、综合（15+85=100道题）1、《转融通业务监督管理办法》2、下列关于中小企业私募债的说法3、下列关于期货价格与现货价格的说法4、保代何种情形下——撤销，情节特别严重的，采取市场禁入5、下列关于β系数的说法6、下列关于会计处理——有关收入确认7、下列关于优先股的说法8、略；9、根据《证券发行上市保荐业务工作底稿指引》10、下列关于企业改制后债务承担的说法11、下列关于股份支付会计处理的说法12、关于个别会计报表的一个——大计算题13、下列关于金融期货与金融期权的说法14、证券公司自营业务的投资范围包括15、关于有限责任公司股东会会议的说法16、下列股票期权交易行为，风险有限收益也有限的情形有17、关于融资租赁，固定资产折旧18、关于税负转嫁的说法19、《关于印发中小企业划型标准规定的通知》——制定和发布机关20、《证券法》——公开发行公司债券的条件21、证券公司风险控制指标管理的有关说法22、………——计算该批原材料可以抵扣的进行税额23、影响基础货币变动的因素有24、下列关于发行保荐工作报告的说法25、《证券法》——关于证券公司包销证券的说法26、面值100元的债券，2年后一次性返还本息共计120元，年贴现率为10%——则：27、根据《证券法》，发行人公告招股书虚假记载，致使投资者在证券交易中遭受损失的——说法正确的28、关于定向资产管理业务的说法29、《信托法》——信托无效/信托目的？？？30、关于连带保证责任的——大法律题31、房开公司应进行土地增值税清算的有32、《企业会计准则》——属于前期差错的有33、《公司法》关于1人有限责任公司34、关于评估方法的说法35、《公司法》——关于股份有限公司的董事会36、《公司法》——税后利润的处理说法37、关于公允价值套期会计处理的说法38、关于人民币合格境外机构投资者（RQFII）的说法39、关于固定资产初始计量的说法二、专业（15+75=90道题）（一）判断1、经营杠杆5，年固定资产1000万，利息费用200，所得税率25%——利息保障倍数为？（）2、资信评级下调AA至AA_——则剩余注册额度自动失效？（）3、计算一般借款利息费用4、资产支持证券合格投资者《50人？（）5、………>30%的——收购人可免于聘请财务顾问？（）6、转换升水/贴水？（）7、编制银行存款余额调节表？（）（二）不定项选择8、计算合并商誉9、非公开认购邀请书发送对象10、实际控制人未发生变更？11、深交所上市公司披露的事项中——保荐机构需发表独立意见12、上市公司不得公开发行证券的情形13、上市公司发行可转换公司债券的相关条款14、可转换公司债券转股价格的说法15、合并报表、商誉计算16、发行公司债担保函的主要内容至少包括？17、超募资金在…………后，使用顺序？？？18、上市公司收购中，股份转让限制？19、对上市公司要约收购，可采用的支付价款方式？20、《关于进一步落实上市公司现金分红………》21、环保核查——建材、制革、造纸、火电、钢铁、电解铝；跨省、省内22、境外法人收购，应提交的文件？23、上市公司拟实施？——半年报需要审计24、上市公司的任职安排25、重组的独立财务顾问职责相关说法26、哪些？——不影响非公开发行股票的发行条件27、保荐机构的持续督导现场检查28、财务会计信息自查工作的说法29、根据《…………》，可以成为IPO A股配售对象的有？30、属于政府补助的有？31、根据《企业国有资产评估管理暂行办法》，哪些情形需要资产评估32、关于业绩预告和业绩快报33、给了β值——计算预期收益率34、必须设立专项偿债账户的债券种类？35、首发创业板办法36、关于BOT会计处理方式37、生物资产的成本构成38、需提交股东大会审议的关联交易39、关于公司债券担保的一些说法40、收购中关于财务顾问的一些说法41、关于公开募集证券说明书42、关于上市公司股权激励的说法43、上市公司非公开发行股东大会审议的事项44、关于非经常性损益的一些说法——尤其是“与公司的主营业务有直接关系的损益也可能为非经常性损益？”45、考察债券最大发行规模46、信用评级报告，至少应包括47、关于董事会作出的非公发行股票决议的说法48、哪些公司债券事项——需股东大会决议49、现金流量表之净利润倒推——哪些属于调增项目呢？50、关于前次募资报告的一些说法51、根据《公司债券发行试点办法》，关于债券受托管理人的说法52、关于非公开发行股票的一些说法53、关于深交所创业板上市公司董、监、高买卖所持股份的一些行为54、公司债券上交所上市交易的必要条件55、上市公司独立董事职权56、交易商协会——企业可重新提交注册文件的时间57、IPO的投资价值研究报告，至少应包括的内容58、关于要约收购的一些说法59、哪些属于非经常性损益60、深交所可决定暂停股票上市的情形有？出师表两汉：诸葛亮先帝创业未半而中道崩殂，今天下三分，益州疲弊，此诚危急存亡之秋也。

2013年4月20日英语专业四级TEM4真题及答案(含部分解析)TEST FOR ENGLISH MAJORS (2013)-GRADE FOUR-TIME LIMIT: 135 MINPART I DICTATION [15 MIN]Listen to the following passage. Altogether the passage will be read to youfour times. During the first reading, which will be done at normal speed, listenand try to understand the meaning. For the second and third readings, the passagewill be read sentence by sentence, or phrase by phrase, with intervals of 15 seconds.The last reading will be done at normal speed again and during this time you shouldcheck your work. You will then be given 2 minutes to check through your work oncemore.Please write the whole passage on ANSWER SHEET ONE.PART II LISTENING COMPREHENSION [20 MIN]In Sections A B and C you will hear everything ONCE ONLY. Listen carefullyand then answer the questions that follow. Mark the best answer to each questionon Answer Sheet Two.SECTION A CONVERSATIONSIn this section you will hear several conversations. Listen to the conversationscarefully and then answer the questions that follow.Questions 1 to 3 are based on the following conversation. At the end of the conversation, you will be given 15 seconds to answer the questions. Now, listento the conversation.1. Accordi ng to the conversation, an example of “Christmas trimmings” couldbe _______.A. presentsB. fruitsC. sauceD. meat.2. A Christmas lunch would include all the following EXCEPT _______.A. roast turkeyB. sweet potatoesC. meatD. carrots.3. Why did Helen come to Rob?s house?A. She wanted to talk to Rob.B. She had come to helpRob.C. She had been invited to lunch.D. She was interestedin cooking.Questions 4 to 7 are based on the following conversation. At the end of theconversation, you will be given 20 seconds to answer the questions. Now, listento the conversation.4. Why did the woman phone the club?A. She wanted to know more about it.B. She was a new comerand felt lonely. C. She wanted to learn a new language. D. She wasinterested in social activities.5. We learn from the conversation that the club _______.A. mainly organizes language activitiesB. accepts members from localstudentsC. has been set up for a long timeD. is increasing its membership6. According to the conversation, the woman might come to practice German on_______.A. WednesdayB. TuesdayC. MondayD.Friday7. What is the man going to do after the conversation?A. Call up the woman for her address.B. Wait for the woman to callhim again.C. Mail the woman some information.D. Wait for the woman to pickup a form.Questions 8 to 10 are based on the following conversation. At the end of the conversation, you will be given 15 seconds to answer the questions. Now listento the conversation.8. According to the woman, what actually makes her job difficult?A. Difficult questions from interviewees.B. Embarrassing requests from interviewees.C. Lack of professional background.D. Lack of interviewingskills.9. The woman uses all the following adjectives when talking about attendingjob fairs EXCEPT _______.A. prospectiveB. usefulC. importantD. tiring10. We learn from the conversation that the woman _______.A. works better at job fairsB. prefers honest peopleC. often works on her ownD. is experienced in her work.SECTION B PASSAGESIn this section, you will hear several passages. Listen to the passages carefullyand then answer the questions that follow.Questions 11 to 13 are based on the following passage. At the end of the passage, you will be given 15 seconds to answer the questions. Now, listen to the passage.11. According to today's weather forecast, which part of Europe has dry weather?A. Scandinavian mountains.B. Northwestern Europe.C. Northern Europe.D. Southern Europe.12. In which part of Europe does the weather stay both fine and cool?A. Southern Europe.B. Northern Europe.C. Eastern Europe.D. Northwestern Europe.13. In which region will the weather change tomorrow?A. Northern parts of the Mediterranean.B. Eastern parts of the Mediterranean.C. Central parts of the Mediterranean.D. Southern parts of the Mediterranean.Questions 14 to 17 are based on the following passage. At the end of the passage, you will be given 20 seconds to answer the questions. Now, listen to the passage.14. According to the passage, what benefit can technology bring to people?A. Closer contact with modern devices.B. Greater changes in social organization.C. Better understanding of mass media.D. More useful information to better their life.15. The speaker questions about everybody?s access to technological advances. The main reason is _______.A. illiteracyB. povertyC. food shortageD. ignorance16. According to the UN plan, all the following will be achieved within ten years EXCEPT _______.A. giving everyone a radio or TVB. starting to carry out the scheme in ten yearsC. offering internet service to more peopleD. providing more job opportunities17. What could be the topic of the passage?A. Growth in telecommunications.B. Technology and thedeveloping world.C. Education and medical care.D. Building an information society.Questions 18 to 20 are based on the following passage. At the end of the passage, you will be given 15 seconds to answer the questions. Now, listen to the passage.18. People in Latin America wear something _______ to express their hopes for wealth in the New Year.A. newB. redC. whiteD. yellow19. Which of the following New Year?s traditions signals friendship?A. Throwing old dishes.B. Wearing something red.C. Wearing something white.D. Eating round fruits.20. Which of the following is NOT mentioned as one's own New Year?s tradition?A. Watching TV at home.B. Going to bed early.C. Visiting friends.D. Running and shouting outside.SECTION C NEWS BROADCASTIn this section, you will hear several news items. Listen to them carefully and then answer the questions that follow.Questions 21 and 22 are based on the following news. At the end of the news item, you will be given 10 seconds to answer the questions. Now. listen to the news.21. What is happening to the schools in Fairfax County this school year?A. 15 schools have started social studies.B. 15 schools have used digital textbooks.C. Students are ready to use electronic resources.D. Digital textbooks are used for social studies.22. With digital textbooks, schools have saved about _______ million dollars.A. 1B. 2C. 3D. 4Questions 23 and 24 are based on the following news. At the end of the news item, you will be given 10 seconds to answer the questions. Now, listen to the news.23. Who found the suspicious item at the airport?A. TSA agents.B. FBI agents.C. The police.D. Passengers.24. Which of the following statements is INCORRECT?A. The terminal was closed temporarily afterwards.B. There was a thorough search inside the airport.C. Passengers at the airport were safe and sound.D. The security authorities identified the explosives.Questions 25 and 26 are based on the following news. At the end of the news item, you will be given 10 seconds to answer the questions. Now, listen to the news.25. According to the news item, doctors use art therapy to treat the following problems EXCEPT _______.A. alcohol abuseB. smokingC. depressionD. schizophrenia26. Why did doctors introduce art therapy in the first place?A. To prevent patients from smoking.B. To better understand patients.C. To get patients occupied.D. To teach patients some skills.Questions 27 and 28 are based on the following news. At the end of the news item, you will be given 10 seconds to answer the questions. Now, listen to the news.27. What is the main purpose of the new rules?A. To reduce the number of pilots on duty.B. To prevent pilots from working overtime.C. To ensure an adequate amount of sleep.D. To fix the amount of work for each pilot.28. The Independent Pilots Association was unhappy about the new rules because they _______.A. had only covered cargo plane pilotsB. had failed to cover all the pilotsC. would be put into effect in two yearsD. would be too costly if implementedQuestions 29 and 30 are based on the following news. At the end of the news item, you will be given 10 seconds to answer the questions. Now, listen to the news.29. Why is increase in livestock production necessary?A. Because livestock production is highly efficient.B. Because more people will become wealthier.C. Because it may help double food production.D. Because it has fewer ecological risks.30. What does the word “challenge” mean in the news item?A. Balance between human survival and ecology.B. Conflict between less land and more production.C. Difference between present and future needs.D. Calls by environmental critics to consume less meat.PART III CLOZE [15 MIN]Decide which of the choices given below would best complete the passage if inserted in the corresponding blanks. Mark the best choice for each blank on ANSWER SHEET TWO.Everyone knows that taxation is necessary in a modern state: Without it, it (31)____ not be possible to pay the soldiers and policemen who protect us; (32)____ the workers in government offices who (33)____ our health, our food, our water, and all the other things that we cannot do for ourselves; nor the ministers and members of parliament(国会) who govern the country for us. (34)____ taxation, we pay for things that we need just (35)____ we need somewhere to live and something to eat. But (36)____ everyone knows that taxation is necessary, different people have different ideas about (37)____ taxation should be arranged. Should each person have to pay a certain amount of money to the government each year? Or should there be tax on things that people buy and sell? If the first kind of taxation is used, should everyone pay the same tax, whether he is rich or poor? If the second kind of tax is preferred, should everything be taxed equally? In most countries, a direct tax on (38)____, which is called income tax, (39)____. It is arranged in such a(40)____ that the poorest people pay nothing, and the percentage of tax grows(41)____ as the taxpayer?s income grows. In England, for example, the tax on the richest people (42)____ as high as ninety-five percent! (43)____ countries with direct taxation nearly (44)____ have indirect taxation too. Many things imported into the country have to pay taxes or “duties”. Of course, it is the men and women who buy these imported things in the shops (45)____ really have to pay the duties, in the (46)____ of higher prices. In some countries, (47)____, there is a tax on things sold in the shops. If the most necessary things are taxed, a lot of money is (48)____, but the poor people suffer most. If unnecessary things (49)____ jewels and fur coats are taxed, less money is got but the tax is (50)____, as the rich pay it.31. A. can B. may C. could D. would32. A. nor B. neither C. never D. not33. A. look into B. look over C. look after D. look through34. A. In accordance to B. By means of C. With reference to D. On account of35. A. as well as B. as good as C. as such as D. as much as36. A. if B. when C. though D. as37. A. when B. how C. why D. which38. A. persons B. sectors C. communities D. classes39. A. remains B. stays C. exists D. happens40. A. form B. way C. measure D. method41. A. quicker B. speedier C. more D. larger42. A. grows up B. increases up C. goes up D. lifts up43. A. But B. Consequently C. Similarly D. And44. A. periodically B. almost C. often D. always45. A. which B. who C. what D. whom46. A. manner B. form C. means D. why47. A. either B. also C. too D. often48. A. lent B. saved C. borrowed D. collected49. A. alike B. like C. as D. for50. A. heavier B. fairer C. finer D. betterPART IV GRAMMAR & VOCABULARY [15 MIN]There are thirty sentences in this section. Beneath each sentence there are four words or phrases marked A, B, C and D. Choose one word or phrase that best completes the sentence. Mark your answers on ANSWER SHEET TWO.51. Facing the board of directors, he didn't deny ______ breaking the agreement.A. himB. itC. hisD. its52. Xinchun returned from abroad a different man. The italicized part functions as a(n) ______.A. appositive(同位语)B. objectC. adverbialD. complement.53. Which of the following is a compound word (复合词)A. NonsmokerB. DeadlineC. MeannessD. Misfit54. Which of the following sentences contains subjunctive mood?A. Lucy insisted that her son get home before 5 o?clock?B. She used to drive to work, but now she takes the city metro.C. Walk straight ahead, and don't turn till the second traffic lights.D. Paul will cancel his flight if he cannot get his visa by Friday.55. The following determiners(限定词) can be used with both plural and uncountable nouns EXCEPT ______.A. moreB. enoughC. manyD. such56. Which of the italicized parts indicates CONTRAST?A. She opened the door and quietly went in.B. Victoria likes music and Sam is fond of sports.C. Think it over again and you'll get an answer.D. He is somewhat arrogant, and I don?t like this.57. Which of the following CANNOT be used as a nominal substitute(名词替代词)A. MuchB. NeitherC. OneD. Quarter58. All the following sentences definitely indicate future time EXCEPT ______.A. Mother is to have tea with Aunt Betty at four.B. The President is coming to the UN next week,C. The school pupils will be home by now.D. He is going to email me the necessary information.59. Which of the following sentences is grammatically INCORRECT?A. Politics are the art or science of government.B. Ten miles seems like a long walk to me.C. Mumps is a kind of infectious disease.D. All the furniture has arrived undamaged.60. Which of in the following phrases indicates a subject-predicate relationship?A. The arrival of the touristsB. The law of NewtonC. The occupation of the islandD. The plays of Oscar Wilde61. Which of the following italicized parts serves as an appositive?A. He is not the man to draw back.B. Tony hit back the urge to tell a lie.C. Larry has a large family to support.D. There is really nothing to fear.62. Which of the following is NOT an imperative sentence?A. Let me drive you home, shall I?B. You will mind your own business.C. Come and have dinner with us.D. I wish you could stay behind.63. If it ______ tomorrow, the match would be put off.A. were to rainB. was to rainC. was rainingD. had rained64. Which of the following sentences expresses a fact?A. Mary and her son must be home by now.B. Careless reading must givepoor results.C. It's getting late, and I must leave now.D. He must be working lateat the office.65. The following are all dynamic verbs(动态动词) EXCEPT ______.A. remainB. turnC. writeD.knock66. ______ to school life was less difficult than the pupil had expected.A. AdheringB. AdoptingC. AdjustingD. Acquainting67. He is fed up with the same old dreary routine, and wants to quit his job.The underlined part means ______.A. dullB. boringC. longD. hard68. At last night's party Larry said something that I thought was beyond me.The underlined part means ______.A. I was unable to doB. I couldn't understandC. I was unable to stopD. I couldn't tolerate69. The couple ______ their old house and sold it for a vast profit.A. did forB. did inC. did withD.did up70. Sally contributed a lot to the project, but she never once accepted allthe ______ for herself.A. creditB. attentionC. focusD. award71. The child nodded, apparently content with his mother's promise. The underlined part means ______.A. as far as one has learntB. as far as one is concernedC. as far as one can seeD. as far as one is told72. The ______ that sport builds character is well accepted by people nowadays.A. issueB. argumentC. pointD. sentence73. Everyone in the office knows that Melinda takes infinite care over her work. The underlined part means ______.A. limitedB. unnecessaryC. overdueD. much74. The new measure will reduce the chance of serious injury in the event of an accident. The underlined part means ______.A. if an accident happensB. if an accident can be preventedC. before an accidentD. during an accident75. Traditionally, local midwives would ______ all the babies in the area.A. handleB. produceC. deliverD. help76. No food or drink is allowed on the premises. The underlined part means ______.A. propositionB. advertisementC. buildingD. string77. The court would not accept his appeal unless ______ evidence is provided.A. conclusiveB. definiteC. eventualD. concluding78. As soon as he opened the door, a ______ of cold air swept through the house.A. flowB. movementC. rushD. blast79. She really wanted to say something at the meeting, but eventually ______ from it.A. preventedB. refrainedC. limitedD. restricted80. The couple told the decorator that they wanted their bedroom gaily painted. The underlined part means ______.A. brightlyB. light-heartedlyC. cheerfullyD. lightlyPART V READING COMPREHENSION [25 MIN]In this section there are four passages followed by questions or unfinished statements, each with four suggested answers marked A, B, C and D. Choose the one that you think is the best answer. Mark your answers on ANSWER SHEET TWO.TEXT ASaying “thank you” is probably the first thing most of us learn to do in a foreign language. After all, we're brought up to be polite, and it is importantto make a good impression upon other people —especially across national divides. The art of public speaking began in ancient Greece over 2,000 years ago. Now, twitter, instant messaging, e-mail, blogs and chat forums offer rival approaches to communication - but none can replace the role of a great speech. The spoken word can handle various vital functions: persuading or inspiring, informing, paying tribute, entertaining, or simply introducing someone or something or accepting something. Over the past year, the human voice has helped guide us over the ups and downs of what was certainly a stormy time. Persuasion is used in dealing with or reconciling different points of view. When the leaders met in Copenhagen in 5 December 2009, persuasive words from activists encouraged them to commit themselves to firmer action. Inspirational speeches confront the emotions. They focus on topics and matters that are close to people's hearts. During wars, generals used inspiring speeches to prepare the troops for battle. A speech that conveys knowledge and enhances understanding can inform us. The information must be clear, accurate, and expressed in a meaningful and interesting way. When the H1N1 pandemic流行病was announced, the idea of “swine flu”猪流感scared many people. Informative speeches from World Health Organization officials helped people to keep their panic under control so they could take sensible precautions. Sad events are never easy to deal with but a speech that pays tribute to the loss of a loved one and gives praise for their contribution can be comforting. Madonna's speech about Michael Jackson, after his death, highlighted the fact that he will continue to live on through his music. It's not only in world forums where public speaking plays an important role. It can also be surprisingly helpful in the course of our own lives. If you?re taking part in a debate you need to persuade the listeners of the soundness of your argument. In sports, athletes know the importance of a pep talk鼓舞士气的讲话before a match to inspire teammates. You yourself may be asked to do a presentation at college or work to inform the others about an area of vital importance. On a more personal level, a friend may be upset and need comforting. Or you might be asked to introduce a speaker at a family event or to speak at a wedding, where your language will be needed to move people or make them laugh. Great speaking ability is not something we're born with. Even Barack Obama works hard to perfect every speech. For a brilliant speech, there are rules that you can put to good use. To learn those rules you have to practice and learn from some outstanding speeches in the past.81. The author thinks the spoken word is still irreplaceable because _____.A. it has always been used to inspire or persuade people.B. it has a big role to play in the entertainment business.C. it plays important roles in human communication.D. it is of great use in everyday-life context.82. Which of the following statements is IN CORRECT about the role of public speaking?A. Speeches at world forums can lead to effective solutions to world problems.B. Speeches from medical authorities can calm people down in times of pandemics.C. The morale of soldiers before a battle can be boosted by senior officers' speeches.D. Speeches paying tribute to the dead can comfort the mourners.83.Public speaking can play all the following roles EXCEPT _____.A. to convince people in a debate.B. to inform people at a presentation.C. to advise people at work.D. to entertain people at a wedding.84. According to the passage, which of the following best explains the author's view on “great speaking ability”?A. It comes from observing rules.B. It can be perfected with easy effort.C. It can be acquired from birth.D. It comes from learning and practice.85. What is the main idea of the passage?A. Public speaking in international forums.B. The many uses of public speaking.C. Public speaking in daily life context.D. The rules of public speaking.TEXT BEvery business needs two things, says Skull candy CEO Rick Alden: inspiration and desperation. In 2001, Alden had both. He'd sold two snowboarding businesses, and he was desperately bored. But he had an idea: He wanted to make a new kind of headphone. “I kept seeing people missing their cell phone calls because they were listening to music,” he explains. Then I'm in a chairlift索道, I've got my headphones on, and I realize my phone is ringing. As 1 take my gloves off and reach for my phone, I think, “It can't be that tough to make headphones with two plugs, one for music and one for your cell phone.” Alden described what he wanted to a designer, perfected a prototype, and outsourced外包manufacturing overseas. Alden then started designing headphones into helmets, backpacks - anywhere that would make it easy to listen to music while snowboarding. “Selling into board and skate shops wasn't a big research effort,” he explains. “Those were the only guys I knew!” Alden didn't want to be a manufacturer. And by outsourcing, he'd hoped he could get the business off the ground without debt. But he was wrong. So he asked his wife, “Can I put a m ortgage抵押贷款on the house? She said, ?What is the worst thing that can happen? We lose the house, we sell our cars, and we start all over again.? I definitely married the right woman!” For the next two years, Alden juggled mortgage payments and payments to his manufacturers.“Factories won't ship your product till they get paid,” he says. “But it takes four or five months to get a mortgage company so upset that they knock on your door. So we paid the factory first.” Gradually, non-snowboarders began to notice the colorful headphones. In 2006, the company started selling them in 1,400 FYE (For Your Entertainment) stores. “We knew that nine out often people walking into that store would be learning about Skullcandy for the first time. Why would they look at brands they knew and take home a new brand instead? We had agreed to buy back anything we didn't sell, but we were dealing with huge numbers. It'd kill us to take back all the products.” Alden's fears faded as Skullcandy became the No. 1 headphone seller in those stores and tripled its revenue to $120 million in one year . His key insight was that headphones weren't gadgets; they were a fashion accessory. “In the beginning,” he says, “that little white wire that said you had an iPod—that was cool. But now wearing the white bud means you're just like everyone else. Headphones occupy this critical piece of cranial real estate and are highly visible.” Today, Skullcandy is America's second-largest headphone supplier, after Sony. With 79 employees, the company is bigger than Alden ever imagined.86. Alden came up with the idea of a new kind of headphone because he _____.A. was no longer in snowboarding businessB. had no other business opportunitiesC. was very fond of modern musicD. saw an inconvenience among mobile users87. The new headphone was originally designed for _____.A. snowboardersB. motorcyclistsC. mountain hikersD. marathon runners88. Did Alden solve the money problem?A. He sold his house and his cars.B. Factories could ship products before being paid.C. He borrowed money from a mortgage company.D. He borrowed money from his wife's family.89. What did Alden do to promote sales in FYE stores?A. He spent more money on product advertising.B. He promised to buy back products not sold.C. He agreed to sell products at a discount.D. He improved the colour design of the product.90. Alden sees headphones as _____.A. a sign of self-confidenceB. a symbol of statusC. part of fashionD. a kind of deviceTEXT C“I'm a little worried about my future,” said Dustin Hoffman in The Graduate. He should be so lucky. All he had to worry about was whether to have an affair with Mrs Robinson. In the sixties, that was the sum total of post-graduation anxiety syndrome. I was standing in my kitchen wondering what to have for lunch when my friend Taj called. “Sit down,” she said. I thought she was going to tell me she had just gotten the haircut from hell. I laughed and said, “It can't be that bad.” But it was. Before the phone call, I had 30 years of retirement saving in a “safe” fund with a brilliant financial guru金融大亨.When I put down the phone, my savings were gone. I felt as if I had died and, for some unknown reason, was still breathing. Since Bernie Madoff?s arrest on charges of running a $65 million Ponzi scheme, I've read many articles about how we investors should have known what was going on. I wish I could say I had reservations about Madoff before “the Call”, but I did not. On New Year's Eve, three weeks after we lost our savings, six of us Madoff people gathered at Taj's house for dinner. As we were sitting around the table, someone asked, “If you could have your money back right now, but it would mean giving up what you have learned by losing it, would you take the money or would you take what losing the money has given you?” My husband was still in financial shock. He said, “I just want the money back.” I wasn't certain where I stood. I knew that losing our money had cracked me wide open. I?d been walking around like what the Buddhists call a hungry ghost: always focused on the bite that was yet to come, not the one in my mouth. No matter how much I ate or had or experienced, it didn't satisfy me, because I wasn't really taking it in, wasn't absorbing it. Now I was forced to pay attention. Still, I couldn't honestly say that if someone had offered me the money back, I would turn it down. But the other four all said that what they were seeing about themselves was incalculable, and they didn't think it would have become apparent without the ground of financial stability being ripped out from underneath them. My friend Michael said, “I?d started to get complacent. It?s as if the muscles of my heart started to atrophy萎缩. Now they?re awake, alive—and I don?t want to go back.” These weren't just empty words. Michael and his wife needed to take in boarders to meet their expenses. Taj was so broke that she was moving into someone?s garage apartment in three weeks. Three friends had declared bankruptcy and weren't sure where or how they were going to live.91. What did the author learn from Taj's call?A. had got an awful haircut.B. They had lost their retirement savings.C. Taj had just retired from work.D. They were going to meet for lunch.92. How did the author feel in the following weeks?A. Angry.B. Disappointed.C. Indifferent.D. Desperate.。

2013年保险代理人考试机考测试13D机考测试13单项（每题1分，共90题）1 依照《民法通则》规定，按照被代理人的委托行使代理权的代理人为（）。

A. 个人代理人B. 委托代理人C. 法定代理人D. 指定代理人2 依据风险标的分类，风险可以分为（）。

A. 自然风险、社会风险、政治风险、经济风险和技术风险B. 财产风险、人身风险、责任风险和信用风险C. 纯粹风险和投机风险D. 静态风险与动态风险3 某人投保普通家庭财产保险，室内财产的保险金额为5万元。

在保险期限内发生火灾，造成其室内财产损失2万元，并且有5000元的施救费用。

其中出险时室内财产的价值为5万元。

那么，如果不考虑其他因素，保险公司对施救费用的赔偿金额是（）。

A. 0.25万元B. 0.5万元C. 1.5万元D. 2万元4 人身意外伤害保险的含义之一是必须有客观的意外事故发生，且事故原因是（）。

A. 意外的、偶然的和不可预见的B. 意外的、必然的和可预见的C. 可控的、偶然的和不可预见的D. 可控的、必然的和可预见的5 张某投保了保险金额为1万元的家庭财产两全保险，缴纳保险储金1000元。

在保险期内发生赔款10000元。

那么，保险A. 保险合同不成立B. 保险合同被解除C. 保险合同中止D. 保险合同不生效10 保险资金融通需要满足的前提条件是（）。

A. 保证资金获得最大收益B. 保证保险的赔偿或给付C. 保证资金的最大安全D. 保证资本市场的繁荣发展11 在计算保险纯费率中，构成风险估测的基础主要包括（）。

A. 保险市场主体的数量B. 风险事故发生的的概率及其损失程度C. 保险公司的经营费用D. 保险公司的人员数量12 健康保险中都规定有免赔额条款，其中，集体免赔额扣除的对象是（）。

A. 每次赔款B. 每年赔款C. 每月赔款D. 每团体赔款13 在人寿保险定价的各种假设中，影响定价假设的市场特点因素包括（）等。

A. 目标市场B. 投资收益率C. 股票市场状况D. 人口及其结构变化14 在人寿保险的定价假设中，平均保额的计算可以划分为几个区间段。

日机考试题一、下面4个选项中,只有1个答案符合题目要求每题1分;1、在投资连结保险中,投资单位是保险人为了方便计算投资账户的价值而设计的一种 ;P228A、投资主体B、投资形式C、投资方法D、计量单位2、根据我国反不正当竞争法的规定,违反本法规定,给被侵害的经营者造成损害的,应当承担的法律责任是 ;反法第20条A、连带责任B、刑事责任C、行政责任D、民事损害赔偿责任3、根据保险销售从业人员监管办法的有关规定,以欺骗手段取得保险销售从业人员资格证书的,依法撤销资格证书,由中国保险销售管理委员会给予警告,并处 ;销监管第28条A、万元以下的罚款B、1万元以下的罚款C、3万元以上的罚款D、5万元以上的罚款4、合同主体双方在自愿诚信的基础上,根据法律规定及合同约定,自行解决争议的方式被称为 ;P81A、调解B、协商C、仲裁D、诉讼5、在信用保险中,由于债务人本身原因致使不能履行或不能如期偿还的风险属于 ;P204A、政治风险B、自然风险C、商业风险D、社会风险6、保险合同中被保险人为了享有合同约定的赔偿或给付保险金权利,投保人必须支付相应的保险费,这一特征说明保险合同属于 ;P48A、单务合同B、有偿合同C、附和合同D、诚信合同7、李先生为本人投保了一年期的人身意外伤害保险及附加意外伤害医疗保险,保险金额分别为100万元、10万元,在保险期限内发生意外伤害致残,经有关部门鉴定,李先生的残疾程度为40%,保险公司应给付的致残保险金是 ;P256A、10万元B、40万元C、50万元D、100万元8、在健康保险中,保险人对所承保的疾病医疗保险金的给付责任,往往制定很多限制或制约性条款;其主要原因是 ;P260A、健康保险的风险大、不易控制和难以预测B、健康保险的风险大、不易控制但易于预测C、健康保险的风险小、易于控制且难以预测D、健康保险的风险小、易于控制并易于预测9、在我国,合同约定分期支付保险费,投保人支付首期保险费后,除合同另有约定外,投保人自保险人催告之日起超过三十日未支付当期保险费,或者超过约定期限六十日未支付当期保险费的 ;保法第36条A、合同效力中止B、合同效力终止C、合同自动解除D、合同自然消失10、根据法律和国务院授权,对保险销售从业人员实行统一监督管理的机构是 ;保法第9条A、中国人民银行B、中国银监会C、中国证监会D、中国保监会11、根据保险销售从业人员监管办法的有关规定,受理保险销售从业人员资格考试报名申请时必须满足的条件之一是 ;销监管第7条A、报考人员隐瞒有关情况或者提供虚假材料,被宣布考试成绩无效刚满3个月B、报考人员隐瞒有关情况或者提供虚假材料,被宣布考试成绩无效刚满6个月C、报考人员隐瞒有关情况或者提供虚假材料,被宣布考试成绩无效刚满12个月D、报考人员隐瞒有关情况或者提供虚假材料,被宣布考试成绩无效已满36个月12、某一定值保险合同的保险金额为100万元,在发生保险事故导致全损时,该保险标的的市场价值为80万元,对此保险公司的赔付金额是 ;P50A、64万元B、80万元C、90万元D、100万元13、在机动车交通事故责任强制保险合同中,受害人有等;P177A.被保险车辆车上人员 B、被保险人C、交通事故中遭受人身伤亡或者财产损失的人D、保险人14、在自然保费计算过程中,如果假设死亡支付发生在期末,则其计算公式为 ;P245A、某年龄自然保费×1+利率=赔款×此年龄死亡率B、某年龄自然保费×1+利率=保额×此年龄死亡率C、某年龄自然保费×1+利率=赔款×此年龄生存率D、某年龄自然保费×1+利率=保额×此年龄生存率15、适用于社会公共领域中的道德规范或者道德要求,通常被称为 ;P286A、职业规范B、职业道德C、社会公德D、职业操守16、根据风险管理理论,控制型风险管理技术的重点表现之一是 ;P13A、事故发生时,进行财务安排B、事故发生后,解除对人们造成的经济困难C、事故发生前,降低事故发生的频率D、为维持正常生活提供财务支持17、保险客户服务中,保险人为客户提供的契约保全,保险赔付等服务活动属于 ;P143A、售前服务B、售中服务C、附加服务D、售后服务18、按照我国企业财产基本险和综合险条款规定,企业所有的古玩,艺术品属于 ;P156A、可保财产B、不可保财产C、加费特约可保财产D、不加费特约可保财产19、物上代位权的取得一般是通过委付实现的,委付针对的保险标的损失状态是 ;P107A、部分损失B、实际损失C、推定全损D、协议全损20、当进行海外工程承包时,经营商通常投保的保险是 ;P206A、短期出口信用保险B、中长期出口信用保险C、投标保证保险D、履约保证保险21、如果损失的发生是由具有因果关系的连续事故所致,且前因是除外风险,后因是被保风险,则保险人对该损失的正确处理方式是 ;P112A、不予赔偿B、部分赔偿C、予以赔偿D、比例赔偿22、采用保险协议书形式订立的保险合同,如果因保险合同含义不清而发生争议,并非保险人一方的过错,其不利后果的承担者应是 ;P79A、保险人B、投保人C、被保险人D、保险人和被保险人23、根据保险销售从业人员监管办法的有关规定,保险从业人员管理档案登记的要求是 ;销监管第20条A、合理、合规、合法B、及时、有效、便利C、准确、规范、全面D、及时、准确、完整24、根据我国消费者合法权益保护法的规定,依法成立的对商品和服务进行社会监督的保护消费者合法权益的社会团体是指 ;消法第31条A、消费者协会和其它消费者组织B、国家工商管理局C、经营者同业协会D、人民法院25、保险销售从业人员在职业活动中,应做到不影响客户的正常生活和工作,言谈举止文明礼貌,时刻维护职业形象,这所诠释的是职业道德原则中的 ;P293A、客户至上原则B、诚实信用原则C、勤勉尽责原则D、公平竞争原则26、在人寿保险定价方法中,积累公式法可通过反复试验来实现,即首先选择一个 ;P244A.初始保费进行计算,观察其反映 B、公认保费进行计算,观察其损益C、协议保费进行计算,观察其高低D、试验保费进行计算,观察其结果27、在产品责任保险中,对于因产品质量问题导致用户财产损失或人身伤亡依法应负的经济赔偿责任,按照保险合同规定保险人通常 ;P200A、不承担赔偿责任B、承担赔偿责任C、承担赔偿责任,但要向购买者追偿D、承担比例赔偿责任,且要向销售商追偿28、在重复保险的情况下,保险人分摊赔款不以保额为基础,而是按照在无他保的情况下单独应负的责任限额进行比例分摊,该分摊方式是 ;P108A、比例责任制B、主要保险制C、限额责任制D、顺序责任制29、根据我国消费者权益保护法的规定,可以解决消费者和经营者发生消费者权益争议的途径之一是 ;消法第34条A、对经营者处以罚款B、与经营者协商和解C、对经营者实施拘役D、对经营者进行警告30、保险资金融通需要满足的前提条件是 ;P34A、保证资金获得最大收益B、保证保险的赔偿或给付C、保证资金的最大安全D、保证资本市场的繁荣发展31、为了防止保险事故发生后的纠纷,在签订的保险合同中要对保险费续交的相关事宜予以明确;对于非寿险合同,通常要在合同中特别的约定并明确告知投保人,如不能按时交纳保险费,将导致的后果是 ;P125A、保险合同不成立B、保险合同被解除C、保险合同中止D、保险合同不生效32、投保人将保险价值为150万元的财产同时向甲、乙两家财产保险公司投保财产保险综合险,保险金额分别为50万元和150万元;若一次保险事故造成实际损失为80万元,按照比例责任分摊方式,甲乙两家财产保险公司应分别承担的赔款为 ;P108A、20万元和60万元B、30万元和50万元C、40万元和40万元D、60万元和20万元33、根据保险销售从业人员监管办法的有关规定,保险公司、保险代理机构对保险销售从业人员进行培训的目标是 .销监管第21条A.使其具备基本的执业素质和职业兴趣 B、使其具备基本的业务能力和职业道德C、使其具备基本的执业素质和职业操守D、使其具备基本的业务能力和发展目标34、在提前给付型重大疾病保险中,如果被保险人在保险期限内没有发生重大疾病,则当被保险人死亡时,保险人的处理方式是 ;P266A、由受益人领取与保险金额相等的死亡保险金B、由受益人领取与保费金额相等的死亡返还额C、由受益人领取与现金价值相等的死亡终止金D、由受益人领取与责任准备金相等的储蓄利益35、在保险承保中,对于属于标准风险类别的保险标的,保险公司通常做出的决策是 ;P123A、正常承保B、优惠承保C、附条件承保D、特约承保36某财产保险合同,保险金额50万元,在保险期限内,由于被保险人家庭成员过错致使被保险人的财产损失40万元,保险人对此损失的正确处理方式是 ;保法第62条A、可以不承担保险赔偿的责任B、赔偿40万元,并向被保险人的家庭成员追偿C、与被保险人比例分摊损失D、赔偿40万元,但不能行使代位请求赔偿的权利37、在人寿保险合同未发生保险事故或保险合同未满期之前,发生投保人申报的被保险人年龄不真实,致使投保人支付的保险费少于应付保险费的,保险人通常采取的措施是 ;保法第32条A.予以更正并拒绝给付保险金 B、予以更正并剔除保险合同部分责任C、予以更正并要求投保人补交保险费D、予以更正并要求被保险人放弃部分权利38、在人身意外伤害保险中,被保险人的死亡保险金数额是保险合同中约定的 ;P250A、保险费额B、准备金额C、保险金额D、现金价值39、在分红保险中,定价的精算假设一般比较保守;就死亡因素来看,“保守”表现为 ;P226A、增大预定死亡率B、减少预定死亡C、增大实际死亡率D、减少实际死亡率40、根据我国消费者权益保护法的规定,销售商拒不提供商品的性能、产地、有效期限等内容的真实情况,其行为所侵害的消费者权利属于 ;消法第8条A.自主选择的权利 B、公平交易的权利C、人身和财产安全不受伤害的权利D、知情权41、下列不属于企业法人终止原因的情形是 ;民法第45条A、依法被撤销B、解散C、依法宣告破产D、原法定代表人因犯罪被更换42、在各类保险单证中,保险双方当事人享有权利与承担义务的最重要的凭证和依据是 ;P64A、保险单B、小保单C、投保单D、暂保单43、参加保险销售从业人员资格考试的人员,考试成绩合格,并符合保险销售从业人员监管办法的规定,自申请资格证书之日起,有关单位颁发资格证书最长期限为 ;销监管第8条A、10个工作日B、20个工作日C、30个工作日D、50个工作日44、同一公司不同险种的死亡率经验 ;P241A、有所不同B、基本相同C、完全一致D、差异很大45、在分红保险中,由于实际死亡率大于预定死亡率而产生的损失称为 ;P226A、理赔益B、理赔损C、死差益D、死差损46、下面属于委托代理终止的情况是 ;民法第69条A.代理人取得新的代理权限 B、被代理人取消代理人的一些代理权限C、被代理人缩减代理人的代理权限D、被代理人取消对代理人的委托47、因为被保证人不履行合同义务而造成权利人经济损失时,由保险人代替被保证人进行赔偿的一种保险被称为 ;P207A.职业保证保险 B、忠诚保证保险C、合同保证保险 D、产品保证保险48、某人投保普通家庭财产保险,保险金额为10万元,其中房屋及室内装潢的保险金额为5万元,在保险期限内发生保险事故,造成其房屋及室内装潢部分损失2万元,室内财产发生部分损毁,损失2万元,其中出险时房屋及室内装潢的价值为4万元,室内财产价值4万元,那么,保险公司的赔偿金额是 ;P169A、2万元B、3万元C、4万元D、5万元49、接受保险人的委托,向保险人收取佣金,并在保险人授权范围内代为办理保险业务的机构和个人,被称为 ;P273A、保险中介人B、保险公估人C、保险代理人D、保险经纪人50、在大多数健康保险合同中,对于保险人医疗保险金的支出均有比例给付的规定;其比例给付的具体形式包括 ;P263A、固定比例给付和累进比例给付B、固定比例给付和累退比例给付C、变动比例给付和累进比例给付D、变动比例给付和累退比例给付51、保险销售从业人员在保险销售活动中,符合保险销售从业人员监管办法的有关规定的行为是 ;销监管第24条A.欺骗投保人、被保险人或者受益人B.隐瞒与保险合同有关的重要情况C.阻碍投保人履行如实告知义务,或者诱导其不履行如实告知义务D、拒绝给予投保方保险合同约定以外的利益52、在风险管理中,风险估测所依据的理论是 ;P11A.社会发展理论 B、社会保障理论 C、责任风险理论D、概率统计理论53、在人寿保险经营过程中,与均衡保费定期保险相比,保费递减定期保险的退保率所表现出来的规律是 ;P240A、均衡保费定期保险的退保率高于保费递减定期保险的退保率B、均衡保费定期保险的退保率等于保费递减定期保险的退保率C、均衡保费定期保险的退保率低于保费递减定期保险的退保率D、均衡保费定期保险的退保率等于或低于保费递减定期保险的退保率54、根据风险管理理论 ,企业或单位自我承受风险损害后果的风险管理办法被称为 ;P14A、避免B、预防C、抑制D、自留55、在人身意外伤害保险实务中,保险人区分和把握不可保意外伤害的要点是 ;P251A.如果承保,将直接影响保险公司的承保质量B.如果承保,将间接影响保险公司的深灰信誉C.如果承保,将立即影响保险公司的财务稳定D、如果承保,将损害公众利益或违反法律要求56、如果寿险合同的被保险人在宽限期内出险,保险人在理赔计算时,应扣除的款项是 ;P137A.被保险人的债权人提出的偿债金额 B、投保人的预交保险费C、投保人欠交的保险费D、保单未满期保险金57、适合投保中长期出口信用保险的出口货物包括等;P206A、消费性工业产品B、工业用原材料C、初级产品D、大型生产线58、下列所列的意外伤害中,属于不可保意外伤害的是 ;P251A、吸毒遭受的意外伤害B、出差遭受的意外伤害C、赛车遭受的意外伤害D、旅游遭受的意外伤害59、2009年刘女士投保某终身寿险该险种承保年龄为0-50岁,投保时把年龄25岁误报为23岁,刘女士于2012年不幸遭受意外事故身故,保险公司对该案的正确处理方式是 ;保法第16条A.刘女士没有如实告知年龄,因此不承担给付保险金责任,解除保险合同,且不退还保险费;B.刘女士没有如实告知年龄,因此不承担给付保险金责任,解除保险合同,退还保险费;C.刘女士没有如实告知年龄,因此不承担给付保险金责任,解除保险合同,按照合同约定退还保险单的现金价值D、给付保险金责任,扣除欠交的保险费60、于某以45万的房屋向银行抵押贷款30万元,贷款合同为10年每月偿还款额为3500元,银行就该抵押房屋向保险公司购买了保险,在抵押保险15个月后,房屋遭受火灾全损,保险公司支付给于某的赔款不考虑折旧应是 ;P102A、45万元B、30万元C、万元D、万元61、在财产保险的核保中,保险人通常要对投保人投保的财产是否属于易燃、易爆品；对温度和湿度的灵敏度如何,机器设备是否超负荷运转；使用的电压是否稳定；建筑物结构状况等进行认真检查,保险人考虑这一核保要素属于 ;P125A.保险财产的占有性质B、投保标的物的主要风险隐患C、保险标的物所处的环境D、投保人的安全管理制度的制定和实施情况62、根据我国机动车辆保险条款的规定,附加险中属于车辆损失险和全车盗抢险的共同附加险的是等;P187A.无过错损失补偿险 B、新增加设备损失险C、全车盗抢附加高尔夫球具盗窃险D、交通事故精神损失赔偿险63、以被保险人的身体为保险标的,以意外伤害而致身故或残疾为给付保险金条件的保险称为 ;P31A、人身意外伤害保险B、停工收入损失保险C、工伤保险D、人身保险64、根据保险销售从业人员监管办法的有关规定,保险公司发现保险代理机构及其保险销售从业人员销售其保险产品存在违法违规行为的,应当立即予以纠正;如果保险代理机构及其保险销售从业人员拒不改正,而保险公司不立即终止与保险代理机构的委托代理关系,有中国保险监督管理委员会责令改正,逾期不改正的,给予警告,并处 ;销监管第32条A、1万元以下的罚款B、2万元以上的罚款C、3万元以上的罚款D、5万元以上的罚款65、我国反不正当竞争法对“经营者”的界定是 ;反法第2条A、仅指从事商品经营或者营利性服务的法人B、仅指从事商品经营或者营利性服务的个人C、包括从事商品经营或者营利性服务的法人,其它经济组织和个人D、包括从事非商品经营或者服务的法人,其它经济组织和个人66、将年金保险分为个人年金、联合年金、最后生存者年金和联合及生存者年金的分类标准是 ;P220A、投保方式B、承保方式C、被保险人数D、保险人人数67、依据我国民法通则,公民具有民事权利的期间为 ;民法第9条A、从出生到死亡B、从14周岁开始到死亡C、从16周岁开始到死亡D、从18周岁开始到死亡68、人寿保险核保中,以下属于非影响死亡率要素的是 ;P127A、保额B、种族C、职业D、嗜好69、根据我国消费者权益保护法的规定,有权依照法律、法规的规定,惩处经营者在提供商品和服务中侵害消费者合法权益的违法犯罪行为的主体可以是 ;消法第28条A、工商行政管理部门B、消费者协会C、经营者同业协会D、合法权益被侵害的消费者70、保险人接受被保险人提出的委付,并按保险金额全数赔付后,依法对保险标的所取得的权利是 ;P106A、保管权B、使用权C、所有权D、占有权71、在简易人寿保险中,保险人为了防止逆选择通常采取的限制措施是 ;P222A、规定免责期或采用增加给付制度B、规定免责期或采用削减给付制度C、规定等待期或采用增加给付制度D、规定等待期或采用削减给付制度72、保险代理机构委托从事保险销售的人员需要具备的条件是 ;P278A、持有保险销售从业人员资格证明B、持有保险销售从业人员资格证书和该保险代理机构发放的保险销售从业人员执业证书C、持有保险销售从业人员资格证书或执业证书D、持有某保险公司发放的保险销售从业人员执业证书73、在我国,常见的保险兼业代理人主要有 ;P281A、银行代理、行业代理和单位代理B、银行代理、行业代理和机关代理C、证劵代理、社区代理和单位代理D、证劵代理、社区代理和机关代理74、在年金保险中,保险合同成立后,保险人即按期给付年金的年金保险是 ;P221A、期首年金B、期末年金C、即期年金D、延期年金75、在火箭发射中,如果因发射当天遇到恶劣的天气导致火箭发射失败,那么,引起火箭发射失败的风险因素是 ;P3A.火箭设计没有达到技术要求 B、操作人员操作失误C、发射当天遇到的恶劣天气D、火箭坠毁损失76、某定期生存保险的被保险人在领取生存保险金时,保险人发现其投保年龄小于实际年龄,按照我国保险法的有关规定,保险人通常采用的正确处理方法是 ;保法第32条A、增加保险金的给付额B、减少保险金给付额C、退还多收保险费D、收取少收保险费77、在我国,人寿保险合同中不因保险合同效力的变化而丧失的内容是 ;P237A、现金价值B、保险期间C、保险金额D、保险责任78、在万能保险保单的第二周期,保单持有人可以根据自己的情况缴纳保险费,对于选择补交保险人保单,如果首期保费不足以支付第二个周期的费用及死亡给付分摊额,则保险效力状况为 ;P231A、保单因保费交纳不足而失效B、保单因保费交纳不足而终止C、保单因保费交纳不足而解除D、保单因保费交纳不足而中止79、根据我国消费者权益保护法的规定,销售者赔偿消费者或者其他受害人因商品缺陷造成的人身、财产损害后,对属于生产者责任的,其可以行使的权利是 ;消法第35条A.向消费者协会追偿 B、向同业协会追偿C、向工商管理部门追偿D、向生产者追偿80、在人身意外伤害保险中,如果意外伤害构成了保险责任,且意外伤害是直接引起被保险人死亡、残疾时间或一连串事件的最初原因,则表明意外伤害为被保险人死亡、残疾之间的因果关系是 ;P255A、意外伤害是死亡或残疾的近因B、意外伤害是死亡或残疾的次因C、意外伤害是死亡或残疾的远因D、意外伤害是死亡或残疾的副因81、按照保险合同的通常规定,由于正常维修,保养引起的费用及间接损失,保险人对此不承担责任,这种责任免除类型属于 ;P59A、损失原因免除B、费用免除C、损失免除D、维修免除82、社会保险与商业保险的共同点之一是 ;P25A、经营主体相同B、经营性质相同C、承保方式相同D、数理基础相同83、保险合同解释原则中,必须尊重双方当事人在订约时的真实意图进行解释的原则是 ;P79A、批注由于批文原则B、文义解释原则C、意图解释原则D、补充解释原则84、在风险构成要素中,促使某一特定风险事故发生,或者增加其发生的可能性或扩大其损失程度的原因或条件被称为 ;P1A、风险因素B、风险事故C、损失D、风险行为85、当国内货物运输保险的保险货物发生保险责任范围内的损失时,按货价确定保险金额的,保险人的赔偿依据是 ;P194A、根据实际损失按起运地货价计算赔偿B、按照保险金额赔偿但以货价为限C、按照保险金额赔偿但以实际损失为限D、按照实际损失和货价的比例赔偿86、保险销售从业人员从事保险销售,应当遵守 ;销监管第5条A.法律、法规和经济管理部门规章B、法律、行政法规和中国保监会的有关规定C、法律、法规和中国保监会的特殊规定D、法律、地方法规的中国保监会的一般规定87、在寿险核保中,由于弱体风险类别的人在健康和其他方面存在缺陷致使她们的预期寿命低于正常的人,保险人对他们所采取的承保方式是 ;P129A.拒保 B、按照标准费率承保C、按照高于标准的费率予以承保D、按照低于标准的费率予以承保88、某保险合同采用相对免赔额赔偿方法,规定相对免赔额为100元,如果被保险人的实际损失为500元,则保险人支付给被保险人的赔偿金额为 ;P103A、100元B、200元C、400元D、500元89、保险销售从业人员职业道德的核心是 ;P286A、诚实信用B、守法遵规C、客户至上D、勤勉尽责90、在财产保险中,当受损的财产有一定的残值时,保险人如果按部分损失赔偿,则对受损财产的处理办法是 ;P162A、将损余财产折价给被保险人以冲抵赔偿金额B、将损余财产拍卖所得有保险人与被保险人平分C、损失财产的残值归保险人所有D、从赔款金额中扣除残值部分二、是非题1、根据我国保险法的规定,接受委托对保险事故进行评估和鉴定的评估机构,应当依照保险公司规定进行评估和鉴定,被保险人不得干涉× ;保法第129条应当为：接受委托对保险事故进行评估和鉴定的机构和人员,应当依法、独立、客观、公正地进行评估和鉴定,任何单位和个人不得干涉;2、根据我国保险法的规定,对于保险合同中免除保险人责任的条款,保险人在订立保险合同时应当向投保人明确说明,未明确说明的,该条款只部分产生效力× ;保法第17条应当为：对保险合同中免除保险人责任的条款,保险人在订立合同时应当在抽保单、保险单或者其他保险凭证上作出足以引起投保人注意的提示,并对该条款的内容以书面或者口头形式向投保人作出明确说明；未作提示或者明确说明的,该条款不产生效力;3、根据我国保险法的规定,订立保险合同,保险人就保险标的或者被保险人的有关情况提出询问,但投保人、被保险人和受益人可以不予告知× ;保法第16条应当为：订立保险合同,保险人就保险标的或者被保险人的有关情况提出询问的,投保人应当如实告知;4、根据我国保险法的规定,保险人依照保险合同的约定,认为有关的证明和资料不完整的,应当及时一次性通知投保人,被保险人或者受益人补充提供√ ;保法第22条。

2013新版代理人真题整合卷1、就人身保险的保险标的而言，当以人的身体作为保险标的时，它以等状态存在（D）A、人的生存、大脑机能和工作效率B、人的死亡、伤残程度和费用支出C、人的年老、疾病频率和自理能力D、人的健康、生理机能和劳动能力2、依据我国反不正当竞争法，监督检查部门在监督检查不正当竞争行为时，有权行使以下职权（B）A、销毁与不正当竞争行为有关的财物B、查询、复制与不正当竞争行为有关的协议C、拘役与不正当竞争行为有关的责任人D、转移与不正当竞争行为有关的财物3、投资连结保险产品的保单现金价值一般没有最低保证，其现金价值直接（A）A、与单独投资账户资产相匹配B、与单独投资账户负债相匹配C、与单独投资账户收益相匹配D、与单独投资账户盈余相匹配4、责任保险的承保基础之一是期内发生式，其确定的时间是（B）A、索赔提出的时间B、损失发生的时间C、赔案结算的时间D、事故通知的时间5、某投保人在投保时对被保险人具有保险利益，三年后，投保人与被保险人之间的关系发生了变化，不再具有保险利益。

假设此时发生了保险事故，导致被保险人死亡，则保险人承担保险责任的情况是（A）A、保险合同继续有效，保险人仍然给付保险金B、保险合同效力中止，保险人无须给付保险金C、保险合同效力终止，保险人拒绝给付保险金D、保险合同自始无效，保险人不必给付保险金6、承保因遭受自然灾害和意外事故造成的运输工具的损失及第三者损害赔偿责任的险种是（B）A、企业财产保险B、运输工具保险C、货物运输保险D、特殊风险保险7、在我国，投资连结保险产品可以收取多项费用，其中，保险人为维持保险合同有效而向投保人收取的服务费用是（A）A、保单管理费B、资产管理费C、风险保险费D、保险手续费8、在人身意外伤害保险中，被保险人（或受益人）与保险人因残疾程度百分比而产生争议时的解决途径是（C）A、向保险监管机构申诉或由人民法院审判B、提请工商部门复议或由人民法院审判C、提请有关机关仲裁或由人民法院审判D、向消费者协会投诉或由人民法院审判9、在雇主责任保险中，保险人承保雇主对雇员应承担的经济赔偿责任。

（十套）保险代理人机考真题代理人机考真题一一、单选题i、总收入损失保险中，保险费期限可以就是短期的，也可以就是长期的．通常的讲，对被保险人在身体恢复正常前无法工作的总收入损失的补偿属()。

a、短期补偿b、中期补偿c、长期补偿d、一次补偿2、根据保险营销员管理规定，负责在指定媒体和网站上披露保脸营销员资格证书展业证信息及保险营销员的诚信记录的主体是()。

a、中国消费者协会b、保险行业协会c、工商管理部门d、中国保监会3、在寿险核保中，被保险人与否须要健康检查通常依赖于()。

a、被保险人的性别和投保金额b、被保险人的年龄和投保金额c、被保险人的职业和投保金额d、被保险人的种族和投保金额4、在投资连接保险中，如果投资连接保险的死亡保险金额是按照保险金额和投资账户价值两者较大者确定的，则死亡保险金额的变化规律是()。

a、保单后期维持不变，在投资账户价值少于保险金额前随投资账户价值波动b、保单后期维持不变，在投资账户价值少于保险金额前随保险金额波动c、保单前期维持不变，当投资账户价值少于保险金额后随投资账户价值渡动d、保单前期维持不变，当投资账户价值少于保险金额后随保险金额波动5、在人身保险合约中，保险人保险费保险金额最低限额就是()。

a、合约签订合同的保脸金额b、被保险人的总收入损失c、政府具体内容确认的金额d、被保险人的实际损失6、根据保险营销员管理规定，保险公司组织、参与、协助保险营销员考试作弊的，对该保险公司直接负责的高级管理人员和其他负责人员将给予的处分是()a、责令撤换b、予以警告c、强制拘留d、记分处分7、在其他条件都相同的情况下，被保险人的职业、工种和所专门从事活动的危险程度与缴税保险费之间的关系就是()，a、被保险人的职业、工种、所从事活动的危险程度越高应缴保险费越少b、被保险人的职业、工种、所从事活动的危险程度越高应缴保险费越多c、被保险人的职业、工种、所从事活动的危险程度越低应缴保险费越多d、被保险人的职业、工种、所从事活动的危险程度高低应与保险费无关8、某人投保家庭财产保险，室内财产保险的保险金额为5万元，保险期问出现火灾导致其室内财产损失2万元，并且存有5000元的救人费用，其中理赔时室内财产的价值5万元，如果不考量其他因索，保险公司对救人费用的补偿金额就是()，a、0.25万元b、0.5万元c、1.5万元d、2万元9在人身意外伤害保险中，如果一次意外事故导致被保险人的身体若干部位残疾，那么保险人计算残疾保险金时使用的残废程度（）a、各部位残疾程度中最高的一个b．各部位残疾之和的平均值c、各部位残疾程度之和，但以1oo%为减半d、各部位残疾程度之和且可以少于100%10、在人身不幸危害保险经营实务中，保险人对于极短期不幸危害的被保险人展开风险程度评价的主要依据就是()。

保代考试机考真题一一、选择题（共90题，每题1分）1、根据不同的标准，我们可以将货物运输保险分为不同种类，按照适用范围分为（）。

A、基本险和综合险B、平安险、水渍险和一切险C、国内货物运输保险和海洋货物运输保险D、水上运输险、陆上货运险、航空运输险、邮包险、联运险2、不属于我国开办的生长期农作物保险的险种有（）。

A、甘蔗种植保险B、烟叶种植保险C、果树产量保险D、棉花种植保险3、同一公司不同险种的死亡率经验（）。

A、有所不同B、基本相同C、完全一致D、差异很大4、在简易人寿保险中，保险人为防止逆选择，通常采取的限制措施是（）。

A、规定免责期或采用增加给付制度B、规定免责期或采用削减给付制度C、规定等待期或采用增加给付制度D、规定等待期或采用削减给付制度5、当保险标的处于推定全损状态时，投保人或被保险人向保险人提出申请，愿意将保险标的所有权转移给保险人，并请求保险人按照保险金额全部赔偿的行为被称为（）。

A、转移B、保证C、代为D、委付6、保险专业代理公司申请延续许可证有效期的，应当自收到决定之日起（）内向中国保监会缴回原证; 准予延续有效期的，应当领取新许可证。

A、60 日B、30 日C、20 日D、10 日7、在人身意外伤害保险中，如果被保险人在保险期限内遭受意外伤害，责任期限届满时治疗依旧在继续，保险人将按照在责任期限结束时被保险人的残疾程度给付残疾保险金。

对于以后被保险人残疾程度加重或死亡的情形，保险人的处理意见是（）。

A、保险人追加给付部分保险金B、保险人不再追加给付保险金C、保险人追加给付足额保险金D、保险人追加给付保险金，并支付适当的利息8某公司有1000多名员工，现投保团体人寿保险，如果保险费全部由雇主承担，则保险公司对该公司参保职工的比例要求通常是（）。

A、等于100%B、不低于90%C、不低于70%D、不低于50%9、可保风险的条件之一是风险不能使大多数的保险标的同时遭受损失。

该条件的含义是（）。