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| Certification Vendor: | RIBO (Registered Insurance Brokers of Ontario) |
|---|---|
| Exam Name: | RIBO Level 1 Entry-Level Broker Examination |
| Exam Number: | RIBO-Level-1 |
| Related Certifications: | RIBO Level 2 Broker License RIBO Level 3 Broker License |
| Available Languages: | English |
| 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 |
RIBO-Level-1学習実践ガイドは、実際の試験を刺激する機能を強化します。クライアントは当社のソフトウェアを使用して、実際の試験を刺激し、実際のRIBO-Level-1試験の速度、環境、プレッシャーに精通し、実際の試験の準備を整えることができます。仮想試験環境では、クライアントは速度を調整してRIBO-Level-1の質問に答え、実際の戦闘能力を訓練し、実際のテストのプレッシャーに合わせて調整できます。また、RIBO-Level-1学習実践ガイドの習熟度を理解することもできます。
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質問 # 98
Jalena has a homeowners policy, and calls her Broker to let them know that she is starting to teach piano lessons on a part-time basis out of her home. What should the Broker do?
正解：A
解説：
This scenario addresses a Material Change in Risk. Standard homeowners' policies are designed for private residential use. When an insured begins a business activity-even part-time-they introduce new
"commercial" exposures, primarily Premises Liability (the risk of a student slipping and falling in the home) and coverage for Business Property (the piano, sheet music, etc.).
Under the RIBO Level 1 Blueprint, a broker must act as a professional advisor when a client's risk profile changes. Option B is the correct course of action because it involves Consulting and Advising both the client and the insurer. Most insurers have specific "Home-Based Business" endorsements for low-risk activities like piano lessons. However, the broker must first confirm the insurer's Underwriting Rules to ensure the activity is eligible.
Choosing Option A would be negligent, as standard liability often excludes business pursuits. Option C may be "over-insuring" the client, as a full commercial policy is often unnecessary for a small home studio. Option D (waiting for renewal) is a violation of Statutory Condition 4 (Material Change), which requires the insured to report such changes "promptly." The RIBO Competency Profile emphasizes that the broker's role is to ensure the "Suitability" of the coverage.
By updating the policy immediately with the correct endorsement, the broker protects Jalena from a potential claim denial and ensures the insurer is receiving the appropriate premium for the increased exposure. This demonstrates high-level Risk Identification and Assessment, as the broker recognizes that even a "part-time" activity can fundamentally change the legal nature of the risk being insured.
質問 # 99
Which of the following is an example of "Self-Insurance"?
正解：C
解説：
Self-insurance is a specific method of Risk Retention where an individual or organization decides to bear the financial consequences of a loss themselves rather than transferring it to an insurer. The RIBO Level 1 Blueprint requires brokers to distinguish between various risk management techniques.
In Option A, the person is making a conscious decision to retain the entire risk. This is different from "non- insurance" (where someone simply forgets or can't afford insurance) because "self-insurance" implies a formal plan and the financial capacity (the emergency fund) to pay for a loss. Large corporations often use self-insurance for high-frequency, low-severity losses (like glass breakage) because it is cheaper than paying insurer premiums and administrative fees.
Option B is "partial retention" via a deductible, but the bulk of the risk is still transferred. Option C describes a "Mutual" or "Reciprocal" insurance structure, which is a form of risk transfer to a collective. Option D is a standard "Specimen" or "High-Value" insurance transfer.
Under the Consulting and Advising competency, a broker must be able to discuss self-insurance with clients- particularly regarding deductibles. Increasing a deductible is a form of moving toward self-insurance for small losses. A broker's role is to assess whether the client has the financial "liquidity" to handle that retention. This technical knowledge ensures the broker provides a customized risk management strategy that balances the client's desire for lower premiums with their actual ability to withstand a loss, thus fulfilling the Risk Identification and Classification requirements of the Level 1 profile.
質問 # 100
An underwriter is reviewing an application for a commercial property. They notice the building is over 50 years old and has original knob-and-tube wiring. Why is this a major concern for the underwriter?
正解：B
解説：
This question explores the Risk Identification and Assessment competency through the lens of Physical Hazards. A physical hazard is a condition of the property that increases the likelihood or severity of a loss.
Knob-and-tube wiring is one of the most significant physical hazards in property insurance.
As part of the RIBO Level 1 Blueprint, a broker must understand why certain building features are "material facts." Knob-and-tube wiring (Option B) was designed for a time when electrical loads were very low (e.g., a few light bulbs). Modern electronics and appliances place a heavy "draw" on these old systems, causing them to overheat. Additionally, the insulation around these wires often becomes brittle and flakes off over 50+ years, leaving bare wires exposed inside wooden walls.
When a broker identifies such a risk, they must use Consulting and Advising to inform the client that most standard insurers will refuse the risk or require the wiring to be replaced within a specific timeframe (usually
30-60 days). Failing to disclose this wiring to the underwriter would be Misrepresentation under Statutory Condition 1, which would void the policy. The broker's role is to help the client understand that the insurer is not being "difficult," but is protecting themselves against a statistically high probability of a total fire loss.
Understanding these technical hazards allows the broker to classify the risk correctly and approach specialized markets if the standard markets decline, thereby demonstrating their value in the Risk Assessment process.
質問 # 101
An insured has incurred $24,000 in claims and has $40,000 in earned premiums. What is the insured's loss ratio?
正解：B
解説：
The correct answer is B because the loss ratio is calculated by dividing incurred claims by earned premium .
In this question:
Loss Ratio = $24,000 ÷ $40,000 = 0.60
This means the insured's loss ratio is 0.60 , which is the same as 60% when converted to a percentage. Since the answer choices appear to use the decimal form rather than the properly stated percentage form, B is the intended exam answer.
This is an important calculation in insurance because loss ratio helps measure how a risk is performing. A higher loss ratio means a larger portion of premium is being used to pay claims, which may affect underwriting decisions, pricing, renewal terms, or market appetite. In commercial insurance, brokers should understand this concept because insurers use it when reviewing accounts, especially for experience-rated or loss-sensitive business.
Why the others are wrong: A is far too low, C would mean claims exceed premium, and D reflects only 6%, which does not match the math. From a RIBO perspective, this question tests basic broker numeracy and understanding of underwriting performance indicators. Always remember: loss ratio = losses ÷ earned premium .
質問 # 102
Raj is reviewing optional Income Replacement Benefits with a customer who already has a workplace disability plan. What should Raj do before advising the customer to opt out?
正解：C
解説：
This question addresses the 2026 SABS Reform and the broker's role in performing a Needs Assessment.
With the transition of Income Replacement Benefits (IRB) to an optional benefit as of July 1, 2026, many consumers may be tempted to opt out to reduce their premiums.
Under the RIBO Level 1 Blueprint, a broker has a high duty of care when advising a client to remove protection. Before recommending an opt-out, the broker must verify that the client's existing workplace disability plan is "primary" and sufficient. This involves Critical and Analytical Thinking: many workplace plans have a "waiting period" (e.g., 90 days) during which they do not pay, or they may have a cap on benefits that is lower than the client's actual salary. If the client opts out of the auto IRB and their workplace plan also has an exclusion for "accidents involving a motor vehicle" (which is common in some group plans), the client would be left with zero income while unable to work.
Option A is the only responsible course of action for Consulting and Advising. The broker must act as a risk manager, ensuring there are no "gaps" between the two coverages. Simply recommending an opt-out to save money (Option B) is a breach of the Fair Treatment of Consumers principle and could lead to a massive E&O claim. The broker's role is to ensure the "suitability" of the advice, which requires a deep dive into the client's specific financial support structures. This aligns with the Relationship Management competency, where trust is built through diligent protection of the client's livelihood.
質問 # 103
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RIBO-Level-1復習資料: https://www.jpntest.com/shiken/RIBO-Level-1-mondaishu
P.S.JPNTestがGoogle Driveで共有している無料の2026 IIC RIBO-Level-1ダンプ：https://drive.google.com/open?id=1t6SdY6JWxeBSPfnbNR1v8RZWJ7PJmYtl