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IIC인증 C11시험패스는 IT업계종사자들이 승진 혹은 연봉협상 혹은 이직 등 보든 면에서 날개를 가해준것과 같습니다.IT업계는 IIC인증 C11시험을 패스한 전문가를 필요로 하고 있습니다. ExamPassdump의IIC인증 C11덤프로 시험을 패스하고 자격증을 취득하여 더욱더 큰 무대로 진출해보세요.
| Section | Objectives |
|---|---|
| Legal Principles of Insurance | - Contract Law Basics
|
| Insurance Practice | - Claims Handling
|
| Insurance Principles | - Insurance Market Structure
|
ExamPassdump의IIC인증 C11시험덤프 공부가이드는 시장에서 가장 최신버전이자 최고의 품질을 지닌 시험공부자료입니다.IT업계에 종사중이라면 IT자격증취득을 승진이나 연봉협상의 수단으로 간주하고 자격증취득을 공을 들여야 합니다.회사다니면서 공부까지 하려면 몸이 힘들어 스트레스가 많이 쌓인다는것을 헤아려주는ExamPassdump가 IT인증자격증에 도전하는데 성공하도록IIC인증 C11시험대비덤프를 제공해드립니다.
질문 # 86
What is stated in the insuring agreements of a policy?
정답：C
설명：
The insuring agreement is one of the most essential components of an insurance policy. It describes what is insured, the coverage provided, and the extent of the insurer's promise to indemnify the insured. This section outlines the subject of insurance-property, liability exposure, person, or interest-and specifies what types of losses or perils are insured against. Thus, the accurate choice is D: Description of the property covered.
Option A is incorrect because premium is stated in the declarations page, not in the insuring agreement.
Option B, lienholder information, also appears in the declarations or conditions, not the insuring agreement.
Option C, the signature clause, appears at the end of the policy to signify the insurer's formal acceptance of contractual obligations.
The insuring agreement is the foundation of the policy because it establishes the insurer's undertaking and sets the boundaries of coverage, making option D correct.
질문 # 87
Which type of clause grants additional protection to the entity that has a registered interest on real property?
정답：B
설명：
Comprehensive and Detailed Explanation (150-250 words):
Amortgage clauseis a specialized provision within property insurance policies that protects the financial interest of amortgagee-typically a bank or lending institution-when real property is used as collateral for a loan. Under thePrinciples and Practice of Insurance, this clause creates aseparate contract of insurancebetween the mortgagee and the insurer. This is critical because it ensures that the mortgagee's protection remains intact even if the insured violates policy conditions (such as failing to maintain the property or committing fraud).
This clause ensures that any loss settlement will first satisfy the mortgagee's insurable interest before any residual payment goes to the property owner. It also obligates the insurer to notify the mortgagee of policy cancellation or material changes, providing the lender an opportunity to take protective measures, such as force-placed insurance.
The mortgage clause is distinct from other clauses: abailee clauserelates to property held by others for repair or cleaning, alienholder clauseis used for movable property like automobiles, and anadditional interest clauseoffers limited notice but not the full contractual protection afforded to a mortgagee. Thus, the correct and most protective clause for real property isB. Mortgage clause.
질문 # 88
If one in every five houses suffers a $50,000 loss each year, and all houses have the same value, what would the pure premium be for each homeowner?
정답：A
설명：
Thepure premiumrepresents theexpected loss costper exposure unit. It is calculated as:
Pure Premium=Probability of Loss×Severity of Loss\text{Pure Premium} = \text{Probability of Loss} \times
\text{Severity of Loss}Pure Premium=Probability of Loss×Severity of Loss Here:
Probability of loss = 1 in 5 homes =0.20
Severity (loss amount) =$50,000
0.20×50,000=10,0000.20 \times 50,000 = 10,0000.20×50,000=10,000
But here is the key detail: one loss of $50,000 spread overfive homesmeans:
50,0005=10,000\frac{50,000}{5} = 10,000550,000=10,000
But the answer choices do not include $10,000 except option C, yet the correct pure premium per homeownerwith equal distribution per yearequals:
$10,000 per home per year
Thus the correct answer isC: $10,000.
질문 # 89
What should the broker provide in the broker report?
정답：B
설명：
Abroker reportaccompanies an application submitted to an insurer. Its purpose is to give the underwriter helpful background information to properly assess the risk. The broker is expected to providepersonal knowledge of the clientthat may not be evident from the application itself, such as reputation, financial responsibility, prior behaviour, and risk-management practices. This information can significantly influence underwriting decisions.
Option A is incorrect-the insurer, not the broker, determines premium.
Option C may be included if relevant, but it is not the essential purpose of a broker report.
Option D (comparable accounts) is not standard practice; insurers rely on their own rating manuals and actuarial data.
Thus, the most appropriate and expected content in a broker report ispersonal knowledge of the client, makingBthe correct answer.
질문 # 90
Dominika's house sustains a fire resulting in a $500,000 total loss to the house and contents. Some pieces of furniture are salvageable and valued at $4,000 by the insurer. Dominika chooses to keep these items for her next home. Dominika's policy has a guaranteed replacement cost clause with a limit of $500,000 and a deductible of $1,000. What settlement amount will Dominika recover from the loss?
정답：B
설명：
With a guaranteed replacement cost policy, the insurer agrees to pay the full cost of replacing the damaged or destroyed property (subject to conditions), even if that amount approaches or, in some forms, exceeds the stated limit. Here, the total replacement cost of the loss is $500,000.
However, some furniture is salvageable and valued at $4,000. Since Dominika elects to keep this salvage, she is effectively retaining part of the value of the damaged property. To maintain the principle of indemnity and avoid overpayment, the insurer deducts the salvage value from the total amount they would otherwise pay.
Step-by-step:
Replacement cost of loss: $500,000
Less salvage value retained by insured: $4,000
Subtotal: $496,000
Less deductible: $1,000
Net settlement: $495,000
Therefore, Dominika will recover $495,000, making Option A correct.
질문 # 91
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