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| Section | Weight | Objectives |
|---|---|---|
| Insurance Industry Overview | 10-15% | - Regulation and Legislation - Insurance Market Structure - Claims Handling |
| Risk and Insurance | 15-20% | - Risk Management Process - Risk Identification and Measurement - Nature of Risk - Insurable Risk |
| Liability Insurance | 15-20% | - General Liability Concepts - Commercial General Liability (CGL) - Professional Liability |
| Automobile Insurance | 15-20% | - Commercial Automobile Coverage - Mandatory Coverage Requirements - Personal Automobile Coverage |
| Property Insurance | 15-20% | - Policy Conditions and Exclusions - Property Coverage Forms - Valuation and Coinsurance |
| Insurance Operations and Contracts | 20-25% | - Underwriting Process - Policy Structure and Interpretation - Insurance Contract Basics - Fundamental Principles of Insurance |
많은 분들이 고난의도인 IIC관련인증시험을 응시하고 싶어 하는데 이런 시험은 많은 전문적인 관련지식이 필요합니다. 시험은 당연히 완전히 전문적인 C11관련지식을 터득하자만이 패스할 가능성이 높습니다. 하지만 지금은 많은 방법들로 여러분의 부족한 면을 보충해드릴 수 있으며 또 힘든 IIC시험도 패스하실 수 있습니다. 혹은 여러분은 전문적인 Principles and Practice of Insurance관련지식을 터득하자들보다 더 간단히 더 빨리 시험을 패스하실 수 있습니다.
질문 # 45
What is the definition of subrogation?
정답：D
설명：
Subrogationallows an insurer that has indemnified an insured to pursue recovery from the partylegally responsiblefor the loss. It prevents the insured from collecting twice and shifts the financial burden back to the negligent third party. Subrogation is a fundamental principle tied to indemnity.
Option A describes insurer action in fraud cases-not subrogation.
Option B is incorrect; deductibles are always retained by the insured, not reimbursed later.
Option C describes a release or waiver, not subrogation.
Thus, the correct definition isD.
[Insurance as a Contract - Utmost Good Faith / Material Facts]
질문 # 46
Why does the Office of the Superintendent of Financial Institutions (OSFI) control the types of investments insurers are allowed to make?
정답：A
설명：
OSFI regulates federally incorporated insurers to ensure they remain solvent and financially stable so they can pay claims. One of the key regulatory tools is restricting or monitoring insurers' investment portfolios. By controlling the types of investments insurers may purchase, OSFI aims to reduce exposure to excessive investment risks, ensuring that insurers do not jeopardize policyholder funds through speculative or volatile investments.
Option A is incorrect-OSFI's mandate is consumer protection, not profit maximization.
Option B is incorrect because indemnification amounts depend on claims, not investment rules.
Option C is incorrect-while returns are important, OSFI's priority is safety, not maximizing yield.
Thus, the correct purpose is D: minimizing insurers' investment loss exposures to protect policyholders and maintain financial stability.
질문 # 47
Which insurance term is defined as providing compensation for losses or expenses that have been incurred?
정답：B,C
설명：
Comprehensive Explanation (150-250 words):
The termindemnifyis fundamental in insurance. To indemnify means tocompensate an insured party for actual losses or expenses incurred, restoring them as closely as possible to the financial position they occupied immediately before the loss. This principle ensures that insurance does not create profit or gain for the insured but instead acts as a financial safety mechanism to cover legitimate losses.
Indemnity is applied across many types of policies-property, automobile, liability, and more-and forms the basis of how claims are settled. When an insurer indemnifies an insured, the insurer may pay for repairs, replacement, medical expenses, or financial judgments depending on the policy coverage.
Option A,Salvage, is the insurer's right to recover value from damaged property after paying a claim.
Option C,Pure captive, refers to an insurance company created by a parent company to insure its own risks.
Option D,Utmost good faith, is the legal duty requiring both insurer and insured to disclose all material facts.
Only"indemnify"directly describes providing compensation for an incurred loss.
질문 # 48
A person applies for fire insurance on their house but fails to mention that in winter they leave the house unoccupied for two months while vacationing. What is this an example of?
정답：A
설명：
Insurance contracts are built on the principle of utmost good faith, meaning applicants must disclose all material facts that could influence the insurer's decision to accept the risk or determine the premium. Failing to mention a material fact-such as the home being unoccupied for long periods-is considered non- disclosure. Unoccupancy increases the risk of vandalism, frozen pipes, fire severity, and delayed emergency response, all of which affect underwriting decisions.
Option A, negligence, refers to failure to act with reasonable care, not failure to disclose.
Option C, breach of warranty, applies only after a policy is in force and a condition guaranteed to be true is violated.
Option D, discharge of contract, refers to cancellation or completion of contractual obligations.
Since the issue arises during the application stage and involves withholding a material fact, the correct classification is non-disclosure.
질문 # 49
What does the acronymPIPEDAstand for?
정답：D
설명：
PIPEDAis the federal Canadian privacy legislation governing how private-sector organizations-including insurance companies, brokers, and adjusters-collect, use, and disclosepersonal informationduring commercial activities. Its full and correct name is:
Personal Information Protection and Electronic Documents Act
PIPEDA sets out requirements for informed consent, accuracy, safeguarding of data, client access rights, and limitations on secondary use of personal information. Insurance operations rely heavily on personal data, so compliance is mandatory.
Options A, B, and C are fictitious and have no connection to Canadian insurance regulation or privacy law.
Thus, the correct answer isD.
질문 # 50
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