2026 Fast2test 최신 RIBO-Level-1 PDF 버전 시험 문제집과 RIBO-Level-1 시험 문제 및 답변 무료 공유: https://drive.google.com/open?id=1esAn6QW5V9s_VFp2kjiDy57NNau3TYX6
IIC RIBO-Level-1인증시험을 패스하고 자격증 취득으로 하여 여러분의 인생은 많은 인생역전이 이루어질 것입니다. 회사, 생활에서는 물론 많은 업그레이드가 있을 것입니다. 하지만RIBO-Level-1시험은IIC인증의 아주 중요한 시험으로서RIBO-Level-1시험패스는 쉬운 것도 아닙니다.
| Certification Vendor: | RIBO (Registered Insurance Brokers of Ontario) |
|---|---|
| Exam Name: | RIBO Level 1 Entry-Level Broker Examination |
| Exam Number: | RIBO-Level-1 |
| Available Languages: | English |
| Related Certifications: | RIBO Level 2 Broker License RIBO Level 3 Broker License |
| Exam Format: | Multiple Choice |
| Recommended Training: | RIBO Education Programs (Approved Providers) |
| Exam Registration: | RIBO Official Registration Portal |
| Sample Questions: | IIC RIBO-Level-1 Sample Questions |
| Exam Way: | Computer-based exam (in-person or authorized testing center depending on RIBO scheduling). |
| Pre Condition: | Must meet RIBO licensing eligibility requirements including approved education program completion before licensing. |
| Official Syllabus URL: | https://www.ribo.com |
고객님의 시간을 조금이라도 절약해드리고 공을 적게 들여도 자격증 취득이 쉬워지도록 Fast2test의 IT전문가들은 최신 실러버스에 따라 몇년간의 노하우와 경험을 충분히 활용하여IIC RIBO-Level-1시험대비자료를 연구제작하였습니다. IIC RIBO-Level-1 덤프를 공부하여 시험에서 떨어지는 경우 덤프비용환불 혹은 다른 과목으로 교환하는중 한가지 서비스를 제공해드립니다.
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질문 # 28
What can affect the amount of settlement an insured would receive as a result of an insured loss?
정답：A
설명：
The correct answer is C. Co-insurance clause because a co-insurance clause can directly reduce the amount payable at claim time if the insured has not carried insurance equal to the required percentage of the property' s value. This is a key settlement condition in property insurance. If the client underinsures the property, the insurer does not necessarily pay the full amount of a partial loss. Instead, the claim is adjusted using the co- insurance formula, which means the insured effectively shares part of the loss.
This is why co-insurance is so important in commercial and some property insurance settings. It does not determine whether a peril is covered, but it does determine how much of the covered loss will actually be paid
. A broker must therefore explain insurance-to-value clearly, because many clients assume a partial loss will always be paid in full up to the loss amount, which is not true where co-insurance applies.
A). and B. affect the scope of covered perils , meaning whether the cause of loss is insured, but they do not typically operate as a settlement reduction formula. D. concerns the insurer's right to recover from a responsible third party after paying the claim; it does not usually affect the amount initially paid to the insured.
From a RIBO perspective, this question tests understanding of claim settlement mechanics , not just coverage triggers.
질문 # 29
Which factor determines the class of a commercial auto?
정답：D
설명：
The correct answer is C. The type of cargo carried because, in commercial auto underwriting, the use of the vehicle and the nature of what it carries are major factors in determining its class. Insurers classify commercial automobiles based on the exposure they present. A vehicle hauling hazardous materials, heavy equipment, refrigerated goods, or general merchandise may fall into different underwriting categories because each type of cargo creates a different level of risk.
A). The driving record of the driver is important for rating and underwriting, but it does not determine the class of the commercial auto itself . B. History of the owner of the vehicle may influence the insurer's willingness to write the risk, but it is not the main classification basis for the vehicle. D. Location where the vehicle is garaged can affect territory rating and premium, but it does not determine the commercial class in the same way that business use and cargo type do.
From a RIBO perspective, this question tests the broker's ability to distinguish between classification factors and rating factors . Commercial auto classes are tied mainly to the vehicle's business purpose and exposure.
Understanding what the vehicle carries helps the broker place the risk correctly and avoid misclassification that could affect both premium and coverage.
질문 # 30
According to the Registered Insurance Brokers (RIB) Act, how long MUST Brokers maintain records of their transactions?
정답：B
설명：
The Information Management and Legal and Regulatory Compliance competencies require a strict adherence to record-keeping standards. Under the RIB Act, brokers are required to maintain a comprehensive "audit trail" of all client transactions, including applications, endorsements, and financial dealings. The statutory period for this retention is 6 years (Option C).
This 6-year requirement aligns with the general limitations period for civil litigation and tax audits in Canada.
The RIBO Level 1 Blueprint emphasizes that "records" include not just signed policy documents, but also contemporaneous notes of meetings, copies of checks, and evidence of advice given or declined. Proper record-keeping is the primary defense against Errors and Omissions (E&O) claims. If a client disputes a transaction from five years ago, the broker must be able to produce the file to prove they met the required standard of care.
A broker must also understand that these records must be kept in a "secure and accessible" format, whether physical or digital. This reflects the Professionalism required to manage sensitive personal information under PIPEDA. Failure to maintain records for the full 6-year term is a breach of the RIB Act and could lead to disciplinary action during a RIBO "Spot Check" or audit. This knowledge is essential for an entry-level broker to ensure the long-term stability and integrity of the brokerage's operations, fulfilling the Risk Assessment role by protecting the firm from legal and regulatory jeopardy.
질문 # 31
Your client calls to confirm they are renovating their home, this will include structural work. As the broker, what should you do next?
정답：A
설명：
The correct answer is D. Notify underwriting. Structural renovations are a material change in risk and must be reported to the insurer or underwriting department promptly. Major renovations can affect the likelihood and severity of loss by increasing hazards such as fire, theft, water damage, vacancy or partial occupancy, contractor activity, and changes to the building's value or construction status. From a RIBO perspective, a broker must not assume the existing homeowner policy continues unchanged when there is significant construction work.
A is incorrect because a comprehensive form does not remove the insured's duty to disclose material changes.
B may eventually be part of the process, since replacement cost and dwelling value may need review, but that is not the first or only step. The immediate duty is to advise underwriting so the insurer can determine acceptability, conditions, endorsements, or restrictions. C is also incorrect because there is no general rule that structural work under 30 days requires no action.
This question tests the broker's responsibility to recognize when a client's situation changes in a way that affects underwriting. Proper practice is to notify underwriting, document the conversation, obtain details about the scope of work, contractor involvement, occupancy during renovations, and expected completion timeline, and then communicate any insurer requirements back to the client.
질문 # 32
Which is a non medical coverage offered as part of Travel health insurance plan?
정답：C
설명：
The correct answer is C because family transportation if the traveler is hospitalized is a common example of a non-medical benefit included in many travel health insurance plans. Travel health insurance does not only cover emergency medical treatment; it often also includes related assistance benefits such as transportation of a family member, return of dependants, meal and accommodation allowances, emergency evacuation, repatriation, and bedside visit expenses. These are not medical treatments themselves, but they are important supportive coverages that arise because of a medical emergency during travel.
A is incorrect because prescription drug coverage for pre-existing conditions is generally limited, excluded, or strictly controlled under travel medical policies unless very specific underwriting requirements are met. B is not a standard travel health insurance benefit in the way described; a simple taxi fare to the airport is usually not recognized as a core insured non-medical travel health coverage. D is incorrect because an ultrasound is a medical diagnostic expense , not a non-medical coverage.
From a RIBO standpoint, this question tests the broker's ability to distinguish between medical expenses and ancillary assistance benefits within travel insurance. A broker should explain both types clearly so clients understand that travel health insurance may include emergency support services in addition to treatment costs.
질문 # 33
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RIBO-Level-1최고덤프샘플: https://kr.fast2test.com/RIBO-Level-1-premium-file.html
그리고 Fast2test RIBO-Level-1 시험 문제집의 전체 버전을 클라우드 저장소에서 다운로드할 수 있습니다: https://drive.google.com/open?id=1esAn6QW5V9s_VFp2kjiDy57NNau3TYX6