성공으로 향하는 길에는 많은 방법과 방식이 있습니다. IIC인증 C130시험을 패스하는 길에는Fast2test의IIC인증 C130덤프가 있습니다. Fast2test의IIC인증 C130덤프는 실제시험 출제방향에 초점을 두어 연구제작한 시험준비공부자료로서 높은 시험적중율과 시험패스율을 자랑합니다.국제적으로 승인해주는 IT자격증을 취득하시면 취직 혹은 승진이 쉬워집니다.
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance and the Intermediary | 10% | - Legal duties and ethics - Roles of brokers and agents - Licensing and regulation |
| Topic 2: Property Insurance Exposures | 10% | - Exposures and perils - Small commercial property risks - Personal property risks |
| Topic 3: Property Insurance Wordings | 12% | - Coverages and exclusions - Valuation methods - Common policy forms |
| Topic 4: Sales and Client Needs | 10% | - Client consultation - Insurance solutions - Risk identification |
| Topic 5: Automobile Insurance | 10% | - Rating and policy issues - Provincial variations - Mandatory and optional coverages |
| Topic 6: Claims Handling | 8% | - Claim reporting process - Broker's role in claims - Settlement and subrogation |
| Topic 7: The Application Process | 10% | - Duty of disclosure - Completing applications - Underwriting considerations |
| Topic 8: Communication and Service Skills | 8% | - Policy changes and endorsements - Client communication - Record keeping |
| Topic 9: Liability Insurance | 12% | - Legal liability concepts - Commercial general liability - Personal liability coverages |
| Topic 10: From Quote to Policy | 10% | - Policy structure and components - Quotation and binding authority - Policy issuance and delivery |
Fast2test 에서는 IIC C130 시험에 대비한 고품질 IIC C130덤프를 제공해 드립니다. IIC C130덤프는 IT 업계 종사자들에 있어서 아주 중요한 인증시험이자 인기 자격증을 취득할수 있는 필수과목입니다. IIC C130시험을 합격하여 자격증을 취득하시면 취업하는데 가산점이 될수 있고 급여 인상이나 이직에도 많을 도움을 드릴수 있습니다.
질문 # 20
Lindy, a new producer, has a robust client list and has struggled to find time to acquire new customers. To meet her aggressive sales goals, she has decided to pivot to increasing revenues primarily from her current clients.
Discuss the TWO techniques that will allow Lindy to grow her business mainly from within.
정답：
설명：
See the solution in Explanation below:
Explanation:
The two techniques Lindy should use are cross-selling and upselling.
The first technique is cross-selling. Cross-selling means offering existing clients additional insurance products that meet needs they may not yet have insured through Lindy. For example, if a client already has automobile insurance with her, Lindy may review whether they also need homeowners, tenant, condominium, umbrella liability, travel, business, or recreational vehicle coverage. This allows Lindy to grow revenue from her existing client base without having to find completely new customers. It is also a strong service technique because it helps identify gaps in the client's insurance program. However, cross-selling must be based on a proper needs analysis, not pressure selling. Lindy should review the client's lifestyle, property, family situation, business activities, and liability exposures before recommending additional products. Cross-selling is specifically recognized as a sales/prospecting concept in the course question set.
The second technique is upselling. Upselling means encouraging an existing client to improve, broaden, or increase the coverage they already have. This may include higher liability limits, lower deductibles, broader policy forms, enhanced endorsements, guaranteed replacement cost, sewer backup, identity theft, scheduled personal articles, legal expense coverage, or umbrella liability. Upselling is different from cross-selling because Lindy is not necessarily selling a separate new policy; she is improving the quality or amount of coverage already in place. This can increase commission revenue while also improving client protection. Like cross-selling, it must be ethical and needs-based. Lindy should explain the benefit, cost, limitation, and risk of not purchasing the enhancement. She should document the recommendation and the client's decision, especially if the client declines broader coverage.
질문 # 21
To protect themselves against claims that arise long after the policy expiration date, a broker should retain a permanent copy of which policy?
정답：C
설명：
The correct policy is a liability policy because liability claims can emerge long after the policy period has expired. Bodily injury, property damage, completed operations, product liability, professional allegations, and latent injury claims may not be reported immediately. In some cases, the incident may have occurred during the policy period, but the legal demand, lawsuit, or formal claim may arise years later. A broker needs permanent records to prove what coverage was placed, which insurer was on risk, what limits applied, what exclusions existed, and whether the wording was occurrence-based or claims-made. Property and crime losses are usually discovered and reported closer to the time of loss, making permanent retention less critical in comparison. Automobile policies are also important, but the broad long-tail exposure most strongly applies to liability insurance. Poor document retention creates a serious E & O problem because the broker may be unable to defend placement decisions or assist the insured in locating historical coverage. References/topics:
Liability Insurance; long-tail claims, policy retention, occurrence coverage, E & O documentation.
질문 # 22
Brenda works as a property and casualty underwriter in an industry that has some staged claims. Her accounts have a poor loss ratio and she has been put on a performance plan. She recently shadowed a senior broker for training purposes. He advised her on qualifying the client to establish whether the client and the brokerage can form a mutually beneficial business relationship.
She has just been approached by a new client, who would be the largest client in her portfolio. Describe what Brenda should keep in mind for her process regarding this client. How can Brenda qualify the client? Provide two questions she could ask if she suspects a moral hazard.
정답：
설명：
See the solution in Explanation below:
Explanation:
Brenda should not accept the client only because the account is large. A large client may produce significant premium, but it may also bring serious underwriting, claims, moral hazard, and errors and omissions risk.
Since Brenda's accounts already have a poor loss ratio and the industry has some staged claims, she must qualify the client carefully before treating the account as a good business opportunity. Qualifying the client means determining whether the client's needs, risk profile, attitude toward risk, claims history, and expectations match the brokerage's and insurer's ability to provide suitable coverage. The course logic is that an intermediary should understand how to differentiate service by knowing the client's current insurance arrangements and needs.
Brenda should begin by gathering complete underwriting information. She should identify the client's operations, ownership structure, property values, liability exposures, prior insurers, loss history, risk controls, financial stability, and reason for seeking new coverage. She should also consider whether the client is being transparent and whether the requested coverage is reasonable for the exposure. Under the principle of utmost good faith, full disclosure of material information is required from the applicant. Brenda should not rely only on the attractiveness of the premium. She should ask open-ended questions, verify details, document all answers, and be alert to inconsistencies between the client's story, prior claims, business operations, and requested limits.
To qualify the client, Brenda can ask questions such as: What insurance coverage do you currently have, and why are you considering changing brokers or insurers? What losses or claims have you had in the past five years, including any incidents that did not result in payment? What risk controls do you have in place to prevent losses? What coverage problems, exclusions, or disputes have you experienced with previous insurers? What are your expectations regarding premium, deductibles, claims service, and coverage limits?
These questions help Brenda determine whether the account is profitable, insurable, and ethically suitable for the brokerage.
If Brenda suspects a moral hazard, she should ask direct but professional questions. First: "Have you had any previous claims denied, investigated, or disputed by an insurer? If yes, what were the circumstances?" Second: "Are there any financial pressures, business closures, unpaid loans, legal disputes, or operational changes that could affect the risk or the likelihood of a claim?" These questions are appropriate because moral hazard involves the possibility that the insured's character, honesty, financial condition, or conduct could increase the chance of a loss or exaggeration of a claim. If concerns remain, Brenda should seek additional documentation, consult underwriting management, and avoid binding or recommending coverage until the risk is properly understood.
질문 # 23
Mikayla is an independent contractor who uses her own vehicle to deliver pizza. She is compensated by the number of pizzas she can deliver. If she is involved in an accident where she injures a third party, which coverage could respond?
정답：D
설명：
The pizza company's non-owned automobile policy could respond because Mikayla is using her own vehicle in the course of delivering pizza for the business. Non-owned automobile coverage protects a business when it may become legally liable for the use of vehicles it does not own, such as employees' or contractors' vehicles used on company business. Mikayla's own automobile policy would be central as well, but it is not one of the answer choices. Her homeowners policy would not respond to automobile bodily injury liability arising from vehicle use. Professional liability is also incorrect because pizza delivery is not a professional service error; the claim arises from automobile use and third-party bodily injury. Tenant's legal liability concerns damage to rented premises, not road accidents. The fact that Mikayla is paid based on deliveries reinforces that the vehicle is being used commercially. Brokers must identify delivery, rideshare, courier, and business-use exposures because ordinary personal auto coverage may be restricted or require rating changes. References
/topics: Automobile Insurance; non-owned automobile coverage, business use, independent contractors, third- party injury claims.
질문 # 24
What should a broker do when selecting coverage for a client?
정답：B
설명：
Coverage selection must be driven by the client's actual exposures and needs, not by convenience, price alone, or mechanical use of standard forms. A broker should compare policy wordings, limits, exclusions, extensions, deductibles, conditions, valuation clauses, and insurer service capability against the client's risk profile. Option A is too rigid because standard wording may be inadequate for unusual property, specialized operations, high-value contents, business interruption exposure, liability hazards, or contractual obligations.
Option C is meaningless; a policy being heavily legalistic does not make it appropriate or superior. Option D is poor practice because overinsurance is not a proper E & O defence and may create affordability issues, client dissatisfaction, or unsuitable placement. The professional standard is needs-based recommendation supported by clear documentation. Brokers must identify what the client needs to protect, match those needs to available insurance products, and explain significant limitations. References/topics: From Quote to Policy; coverage selection, wording comparison, needs analysis, E & O prevention, client suitability.
질문 # 25
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IT전문가들이 자신만의 경험과 끊임없는 노력으로 작성한 IIC C130덤프에 관심이 있는데 선뜻 구매결정을 내릴수없는 분은IIC C130덤프 구매 사이트에서 메일주소를 입력한후 DEMO를 다운받아 문제를 풀어보고 구매할수 있습니다. 자격증을 많이 취득하면 좁은 취업문도 넓어집니다. IIC C130 덤프로IIC C130시험을 패스하여 자격즉을 쉽게 취득해보지 않으실래요?
C130인증시험덤프: https://kr.fast2test.com/C130-premium-file.html