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| Section | Weight | Objectives |
|---|---|---|
| Automobile Insurance | 15-20% | - Personal Automobile Coverage - Mandatory Coverage Requirements - Commercial Automobile Coverage |
| Risk and Insurance | 15-20% | - Risk Management Process - Insurable Risk - Risk Identification and Measurement - Nature of Risk |
| Insurance Operations and Contracts | 20-25% | - Underwriting Process - Fundamental Principles of Insurance - Insurance Contract Basics - Policy Structure and Interpretation |
| Insurance Industry Overview | 10-15% | - Regulation and Legislation - Insurance Market Structure - Claims Handling |
| Liability Insurance | 15-20% | - Professional Liability - General Liability Concepts - Commercial General Liability (CGL) |
| Property Insurance | 15-20% | - Valuation and Coinsurance - Property Coverage Forms - Policy Conditions and Exclusions |
IIC C11 시험환경에 적응하고 싶은 분은 pdf버전 구매시 온라인버전 또는 테스트엔진 버전을 추가구매하시면 됩니다. 문제는 pdf버전의 문제와 같지만 pdf버전의 문제를 마스터한후 실력테스 가능한 프로그램이기에IIC C11시험환경에 익숙해져 시험을 보다 릴렉스한 상태에서 볼수 있습니다.
질문 # 99
Which scenario is an example of insurable interest?
정답：D
설명：
Insurable interest exists when someone would suffer a financial loss if a person or property were damaged, lost, or deceased. Employers have a legitimate, recognized insurable interest in the lives of key employees, as their death or disability could result in financial loss-for example, reduced productivity, training costs, or loss of specialized expertise. Therefore, A represents a valid and legally recognized insurable interest.
Option B involves investment income earned by insurers-this is not an insurable interest but a financial outcome of operations. Option C reflects a business motive but not an insurable interest because an underwriter does not stand to personally lose financially if a policyholder dies or property is damaged. Option D is generally invalid unless the employee can demonstrate a direct financial dependency, which is typically not the case.
Thus, the only clear example of insurable interest is A: the employer's interest in the life of an employee.
질문 # 100
What is binding authority?
정답：C
설명：
Binding authority is the authority an insurer grants to a broker or agent, allowing the intermediary to bind coverage on the insurer's behalf before the insurer has formally reviewed the application. When an intermediary has binding authority, they can confirm that coverage is in force immediately, subject to the terms granted by the insurer. This is crucial for situations requiring quick coverage, such as real estate closings, automobile purchases, or commercial contract deadlines.
Option A is incorrect because a cover note is thedocumentissued after binding coverage-not the binding authority itself. Option B is incorrect because binding authority has nothing to do with permission to contact clients. Option D is completely unrelated, as reinsurance agreements occur between insurers, not insureds.
Therefore, the correct description of binding authority is permission granted to an intermediary to bind coverage on behalf of the insurer, which is option C.
질문 # 101
Which role is directly employed by the Canadian property and casualty insurance industry?
정답：B
설명：
The Canadian property and casualty (P&C) insurance industry employs a range of specialized professionals who support the underwriting, claims, regulatory, and legal functions necessary for insurance operations.
Lawyers are commonly employed directly by insurers to provide advice on policy interpretation, defend claims litigation, ensure regulatory compliance, draft contracts, and handle disputes. They play a crucial role in the claims process, particularly for liability claims and complex legal matters.
Mechanics, travel agents, and health professionals are not directly employed by the P&C insurance industry.
Mechanics may work with insurers as third-party repair facilities, but they are not typically employees. Travel agents relate to travel services, not insurance employment. Health professionals may support life and health insurers or provide assessments for claims, but they are not ordinarily employed in theproperty and casualtysector. Therefore, the correct answer is A: Lawyer.
질문 # 102
What should the broker provide in the broker report?
정답：C
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 # 103
With respect to an insurance contract, what is the best example ofconsideration?
정답：A
설명：
In contract law,considerationrefers to the exchange of something of value between parties. It is a necessary element for forming a legally binding insurance contract. In insurance, the insurer promises to indemnify the insured in exchange for thepremium-this exchange constitutes consideration.
OptionAis the only scenario demonstrating a clearbargained-for exchange. Jennifer gives up a painting of value, and Shania provides monetary payment. Even though the price is reduced, consideration still exists because each party is giving something of legal value.
Option B shows no exchange-only contemplation of future pricing.
Option C shows no contract formed, because the offer was not accepted.
Option D is a return/refund scenario, not an exchange forming a new contract.
Thus,Ais the best example of consideration.
질문 # 104
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