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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：
Captive insurer Unearned premium reserve Twisting
Subrogation Universal 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。
1.Lloyd's 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 by
Paul 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）
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 only
B) II only
C) both I and II
D) neither I nor II
2.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 only
B) II only
C) both I and II
D) neither I nor II
3.Which of the following would not appear in the asset section of an insurance company's balance sheet?
A) loss reserves
B) bonds
C) common stock
D) real estate
4.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 only
B) II only
C) both I and II
D) neither I nor II
5.Which of the following statements about the use of risk-based capital requirements
is (are) true?
