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| Section | Weight | Objectives |
|---|---|---|
| Introduction to Insurance | 10–15% | - Role of insurance in economy and society - Basic concepts: risk, peril, hazard - Purpose and function of insurance |
| Risk Management and Application | 15–20% | - Risk identification, assessment, treatment - Ethics and professional conduct - Application of principles to personal and commercial contexts |
| Legal Principles of Insurance | 20–25% | - Insurable interest, utmost good faith - Subrogation and contribution - Contract law fundamentals - Principle of indemnity |
| Insurance Policy Structure and Provisions | 20–25% | - Endorsements and modifications - Policy components: declarations, insuring agreement, exclusions, conditions - Interpretation of policy wording |
| Insurance Industry Structure and Stakeholders | 15–20% | - Legislation and regulation in Canada - Insurers, intermediaries, regulators - Roles: underwriting, claims, reinsurance |
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NEW QUESTION # 70
Patrice works as a broker meeting a new client. He is building rapport by performing similar actions to those of his client. Which form of in-person communication is he engaging in?
Answer: D
Explanation:
Mirroringis a communication technique used to build rapport by subtly matching another person's body language, tone, gestures, or pace of speech. It is widely used in sales, client consultations, and negotiations.
When done professionally and subtly, mirroring helps clients feel understood and creates psychological comfort, making it easier to discuss needs and gather accurate underwriting information.
Option B, copycatting, implies obvious or exaggerated imitation and is not a recognized professional communication method. Option C, transparency, refers to openness and honesty, not physical or behavioural alignment. Option D, open listening, is active listening-important, but unrelated to mirroring physical actions.
Since Patrice is deliberatelyperforming similar actionsto his client, he is engaging inmirroring, makingAthe correct answer.
NEW QUESTION # 71
What is the correct placement of statutory conditions to their respective insurance policy?
Answer: A
Explanation:
In Canadian insurance law,statutory conditionsapply differently depending on the class of insurance:
Fire insurance policiescontainStatutory Conditionsunder provincial Insurance Acts.
Accident & sickness policiescontainStatutory Conditionsspecific to health and travel insurance.
Automobile insuranceincludesStatutory ConditionsorGeneral Conditions(depending on the province).
The table shown in your image lists headings:
A: Rights of examination,B: Action,C: Prohibited use by insured.
These correspond directly to statutory condition categories found infire insuranceandaccident & sickness insurance, not automobile.
The correct ordering is:
A = Fire,B = Accident & Sickness,C = Automobile.
This matches optionB.
NEW QUESTION # 72
Which problem could arise with an oral binder?
Answer: C
Explanation:
An oral binder is a legally recognized temporary contract that provides immediate insurance coverage before a written policy is issued. While oral binders are valid in all Canadian provinces, their reliability depends entirely on whether the intermediary actually has binding authority from the insurer. If the broker or agent who gives the oral binder doesnothave the authority to commit the insurer, then the binder may not be valid, and coverage may not exist. This makes lack of authority the primary risk associated with oral binders.
Option A is incorrect-oral binders are legal across Canada.
Option B is incorrect-a binder cannot override policy warranties; it simply provides temporary coverage.
Option C is unrelated; privacy documentation is not what makes a binder valid or invalid.
Thus, the key problem is that the intermediary may not have binding authority, making D the correct answer.
NEW QUESTION # 73
What is the Canadian Insurance Claims Managers Association (CICMA) responsible for?
Answer: A
Explanation:
The Canadian Insurance Claims Managers Association (CICMA) is a professional body composed of senior claims managers across the Canadian insurance industry. Its principal purpose is to promote high ethical standards, professionalism, fairness, and integrity in claims handling. CICMA supports education, networking, and the sharing of best practices to ensure consistency and ethical conduct across insurers.
Option A is incorrect because CICMA does not evaluate or adjudicate claims; individual insurers and provincial accident benefit systems handle those tasks. Option B is incorrect because fraud detection is handled by insurers and sometimes by the Insurance Bureau of Canada (IBC). Option C is unrelated-vehicle damageability research is conducted by organizations such as the Insurance Institute for Highway Safety or similar bodies.
CICMA's work emphasizes ethics, professional development, and claims leadership, which align directly with option D.
NEW QUESTION # 74
Which statement describes a primary function of a telephone adjuster?
Answer: A
Explanation:
A telephone adjuster (often called an inside adjuster) handles claims that can be resolved quickly without requiring in-person investigation. Their main role is to efficiently process a high volume of straightforward claims, such as small auto physical-damage losses, minor property losses, and simple theft claims.
Because these claims do not require field investigations, telephone adjusters focus on gathering information by phone, confirming coverage, arranging payments, and closing files promptly.
Option B is incorrect-telephone adjusters do not take instructions from staff adjusters; they operate independently within their own authority levels.
Option C is incorrect-they do not process paperwork for independent adjusters.
Option D is incorrect-they are not intermediaries; they serve the insurer directly.
The correct function is A: processing a large volume of claims.
NEW QUESTION # 75
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