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| Section | Weight | Objectives |
|---|---|---|
| Insurance Policy Structure and Provisions | 20–25% | - Interpretation of policy wording - Policy components: declarations, insuring agreement, exclusions, conditions - Endorsements and modifications |
| Risk Management and Application | 15–20% | - Application of principles to personal and commercial contexts - Risk identification, assessment, treatment - Ethics and professional conduct |
| Insurance Industry Structure and Stakeholders | 15–20% | - Legislation and regulation in Canada - Insurers, intermediaries, regulators - Roles: underwriting, claims, reinsurance |
| Legal Principles of Insurance | 20–25% | - Principle of indemnity - Subrogation and contribution - Contract law fundamentals - Insurable interest, utmost good faith |
| Introduction to Insurance | 10–15% | - Purpose and function of insurance - Role of insurance in economy and society - Basic concepts: risk, peril, hazard |
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64. Frage
What type of wording is written on a custom basis for a specific situation?
Antwort: D
Begründung:
Amanuscript wordingis a policy or endorsement crafted specifically for an individual client or an unusual risk exposure. It iscustom-writtenand negotiated between the insurer and the insured (or their broker). These wordings are used when standard forms do not adequately describe or protect a particular exposure, usually for large commercial clients, unique operations, or highly specialized risks.
Option A refers tostandardwordings, which are pre-written, commonly used forms approved by insurers or industry bodies.
Option B (chattel) refers to movable personal property, not policy wording.
Option C (treaty) refers to reinsurance agreements between insurers and reinsurers, not client-facing policy forms.
Therefore, the only option describing a custom-written policy wording isD: Manuscript.
65. Frage
A company suffers a $100,000 property loss at its commercial location. If Insurer X and Insurer Y have policies subject to the same terms and conditions, and there is no deductible, what will each insurer pay based on the information below?
Insurer X insured amount: $400,000
Insurer Y insured amount: $100,000
Antwort: B
Begründung:
When more than one insurer covers the same property under policies with identical terms, the loss is often shared according to the proportion of insurance each company provides. This is commonly referred to as contribution "pro rata by limits." First, determine the total amount of insurance:
Insurer X: $400,000
Insurer Y: $100,000
Total insurance: $500,000
Next, determine each insurer's percentage of the total:
Insurer X: 400,000 ÷ 500,000 = 80%
Insurer Y: 100,000 ÷ 500,000 = 20%
The total loss is $100,000, so each insurer pays its proportion of the loss:
Insurer X: 80% × $100,000 = $80,000
Insurer Y: 20% × $100,000 = $20,000
There is no deductible to adjust these amounts. Thus, Insurer X pays $80,000 and Insurer Y pays $20,000, making Option C correct.
66. Frage
Which type of clause grants additional protection to the entity that has a registered interest on real property?
Antwort: D
Begründung:
A mortgage clause is specifically designed to protect the financial institution (the mortgagee) that holds a registered interest in real property. Under this clause, the mortgagee receives certain rights independent of the insured. For example, even if the insured voids the policy through misrepresentation, material change, or failure to comply with policy conditions, the mortgagee may still retain coverage so long as they meet their obligations, such as paying premiums or notifying the insurer of increased hazards.
A bailee clause relates to goods in the custody of another party, not real property. A lienholder clause may apply to movable property like vehicles but does not grant the same broad, independent protection provided to mortgagees. An additional interest clause merely notifies the insurer of a party's interest but does not extend full rights. Therefore, the clause that ensures robust contractual protection to an entity with a registered interest in real property is the mortgage clause.
67. Frage
What does the term "subject of insurance" refer to?
Antwort: A
Begründung:
Thesubject of insuranceis the property, person, or legal liability exposure that is being insured. This is the central object of the policy-what the insurer agrees to indemnify or protect. For example, a house in a homeowner's policy, a vehicle in an automobile policy, or a person's life in a life insurance contract.
Identifying the subject of insurance is essential because underwriting, policy wordings, rates, and coverage conditions all revolve around what is being insured.
Option B refers toperils, which are the causes of loss, not the insured item. Option C refers to the insurer itself and is unrelated to the definition. Option D refers to policy language but not the underlying exposure.
Thus, the correct meaning of the term isA: the thing being insured.
68. Frage
What is a cover note?
Antwort: A
Begründung:
A cover note is a temporary document issued by a broker or agent to confirm that insurance coverage has been arranged and is in force, pending the issuance of the formal policy. It is typically used when immediate proof of insurance is required before the insurer can produce the finalized policy wording. Cover notes outline essential information such as the insured's name, type of coverage, limits, and effective dates.
Option A is incorrect because a cover note is not a contract between insurer and broker. Option B describes an endorsement, not a cover note. Option C refers to internal file documentation but does not serve as official proof of insurance.
Thus, the correct definition is option D: a document issued to the insured confirming that temporary coverage is effective until the formal policy is issued.
69. Frage
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