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| Section | Objectives |
|---|---|
| Topic 1: Insurance Principles | - Fundamentals of Insurance
|
| Topic 2: Legal Principles of Insurance | - Contract Law Basics
|
| Topic 3: Insurance Practice | - Claims Handling
|
제일 빠른 시일내에 제일 간단한 방법으로IIC인증 C11시험을 패스하는 방법이 없냐구요? ITDumpsKR의IIC인증 C11덤프를 공부하시면 가능합니다. ITDumpsKR의IIC인증 C11덤프는 많은 분들이 검증한 가장 유력한IIC인증 C11시험공부자료입니다. 덤프의 문제만 기억하시면 패스는 문제없기에 제일 빠른 시일내에 시험을 패스하여 자격증 취득이 가능합니다.
질문 # 23
Which factor could explain poorer performance of renewal clients as opposed to new business clients?
정답：C
설명：
New business clients often want to present themselves aslow-riskto secure better premium rates. As a result, they may be cautious about reporting small claims or may practice better loss prevention-at least initially.
This can make new business perform better from a loss-ratio perspective.
However,renewal clients may become less cautiousover time or more willing to submit smaller claims once they are already insured. Additionally, insurers sometimes relax underwriting scrutiny on renewals compared to new applications, which can further widen performance differences.
Option A (automated renewals) does not inherently affect claims behaviour.
Option B is incorrect-renewal underwriting is typicallyless strict, not more.
Option C is false; reinsurance availability does not differ based on new vs. renewal status.
Thus, the factor most likely contributing to poorer renewal performance isD: New business clients limit claims to keep premiums low, improving their initial results relative to renewals.
If you haveQuestions 85 onward, feel free to send them!
질문 # 24
Which insurance industry impact is an example of a surety?
정답：A
설명：
Asurety bondis a three-party contract in which the surety guarantees the performance of a contractor (principal) for the benefit of a third party (obligee). In construction, a developer may require a contractor to post aperformance bondensuring the project will be completed as agreed. This is the classic example of suretyship.
Option A is banking, not surety.
Option B is liability insurance, not a three-party guarantee.
Option D involves marine or cargo insurance, not a performance guarantee.
Thus,Ccorrectly describes a surety situation.
질문 # 25
Which scenario is an example of insurable interest?
정답：A
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 # 26
A large commercial brokerage is approached by a new client who owns a spacecraft and wants liability insurance. What solution should the brokerage recommend?
정답：A
설명：
Spacecraft liability is anextremely specialized, high-severity, low-frequency riskrequiring underwriting expertise not found in standard insurers. TheLloyd's marketis internationally known for insuring unique, complex, and unusual risks-from satellites and spacecraft to aviation and marine exposures. Lloyd's operates as a marketplace of syndicates, allowing multiple underwriters to participate in a single risk, making it ideal for large and unusual exposures.
A health/life insurer (B) is irrelevant; they do not underwrite commercial liability exposures.
A captive insurer (C) could theoretically insure such a risk but requires the client tocreate and fundtheir own insurance company-impractical unless they are very large and sophisticated.
Government insurers (D) generally insure auto, workers' comp, or agricultural risks-not spacecraft.
Thus the best recommendation isA: Lloyd's Insurance Market.
질문 # 27
Which type of policy must be signed by a member of each participating insurer?
정답：C
설명：
Asubscription policyis used when a single insurance risk is too large for one insurer to assume alone. Multiple insurers participate in the policy, each taking a percentage of the risk. Because each insurer is directly responsible for its portion, the policy must besigned by each participating insurer, acknowledging its share of liability.
Option A, prescription, refers to legal limitation periods.
Option B, all-inclusive, is not a recognized type of policy requiring multiple insurer signatures.
Option D, subrogation, is a legal right-not a policy type.
Only thesubscription policyrequires signatures from all insurers involved, makingCcorrect.
질문 # 28
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