IT인증자격증은 여느때보다 강렬한 경쟁율을 보이고 있습니다. IIC 인증C130시험을 통과하시면 취직 혹은 승진이나 연봉협상에 많은 도움이 되어드릴수 있습니다. IIC 인증C130시험이 어려워서 통과할 자신이 없다구요? PassTIP덤프만 있으면 이런 고민은 이제 그만 하지않으셔도 됩니다. PassTIP에서 출시한 IIC 인증C130덤프는 시장에서 가장 최신버전입니다.
| Section | Objectives |
|---|---|
| Insurance Intermediaries and Distribution | - Role of agents and brokers - Distribution systems (direct writer, independent brokerage, etc.) - Agency relationships and authority |
| Ethics, Legal Principles, and Professional Standards | - Ethical conduct and regulatory expectations - Duty of care and fiduciary responsibility |
| Insurance Products and Policy Basics | - Property and liability insurance fundamentals - Policy structure and coverage concepts |
| Client Needs and Risk Assessment | - Identifying client exposures and loss potential - Information gathering and client interviewing |
| Insurance Fundamentals and Core Concepts | - Types of risk and risk management - Principles of insurance (risk, insurability, contracts) |
IT업계에 종사하는 분들은 치열한 경쟁을 많이 느낄것입니다. 치열한 경쟁속에서 자신의 위치를 보장하는 길은 더 많이 배우고 더 많이 노력하는것 뿐입니다.국제적으로 인정받은 IT인증자격증을 취득하는것이 제일 중요한 부분이 아닌가 싶기도 합니다. 다른 분이 없는 자격증을 내가 소유하고 있다는 생각만 해도 뭔가 안전감이 느껴지지 않나요? 더는 시간낭비하지 말고PassTIP의IIC인증 C130덤프로IIC인증 C130시험에 도전해보세요.
질문 # 37
Michelle is a new agent who would like to protect herself against possible errors and omissions claims. What should Michelle practice in her interactions with clients and insurers?
정답：D
질문 # 38
Briefly discuss the liability exposures that arise from the ownership of animals.
정답：
설명：
See the solution in Explanation below:
Explanation:
Animal ownership creates liability exposure because the owner may be held legally responsible if the animal injures another person or damages another person's property. The most common exposure is bodily injury, such as a dog bite, a scratch, a person being knocked down, or an injury caused when someone tries to avoid the animal. There may also be property damage exposure, for example if an animal damages a neighbour's fence, garden, livestock, vehicle, or personal property. The level of risk depends on the type, breed, size, temperament, training, and past behaviour of the animal. If the owner knew, or should have known, that the animal had aggressive or dangerous tendencies, the liability exposure becomes more serious. Owners are expected to take reasonable precautions, such as restraining the animal, using leashes, maintaining fences, posting warnings where appropriate, and complying with municipal bylaws. From an insurance perspective, personal liability coverage may respond to accidental injury or damage caused by pets, but insurers may restrict or exclude certain animals, breeds, commercial animal activities, or known dangerous animals.
질문 # 39
What is the role of insurance intermediaries under the law of agency?
정답：B
설명：
Under agency principles, an insurance intermediary operates in a dual-responsibility environment. The intermediary may owe duties to the insurer when acting within granted authority, such as collecting material facts, submitting accurate applications, binding only within authority, and communicating underwriting information honestly. At the same time, the intermediary owes professional duties to the client, including identifying insurance needs, explaining available coverages, warning about gaps, and exercising reasonable care and skill. The intermediary is not merely a third party to the contract; the role depends on the legal and practical relationship between insurer, insured, and intermediary. Option B is incorrect because an intermediary cannot issue policies on any risk at personal discretion; authority is limited by insurer contracts, underwriting rules, and binding authority. Option C overstates the intermediary's function because no broker can guarantee that every possible exposure is covered unless the policy wording clearly provides it. The best answer is therefore balancing duties to both sides while avoiding conflicts, misrepresentation, and unauthorized commitments. References/topics: Insurance and the Intermediary; law of agency, intermediary duties, insurer authority, client duty of care.
질문 # 40
W & A Insurers Inc. has a capacity of $30 million for any single property risk. It also has a reinsurance agreement with Tri-insurance Inc. for an additional $40 million. A broker approaches W & A Insurers Inc.
with a request to write a low-hazard $37 million liability risk. What is the insurer's retention if it accepts and reinsures the risk?
정답：C
설명：
Retention is the portion of the risk the insurer keeps for its own account before reinsurance responds. In this scenario, W & A's own capacity is $30 million. The additional reinsurance agreement provides extra capacity above that amount, allowing W & A to accept a larger risk than it would otherwise retain alone. If W & A accepts a $37 million risk and reinsures the excess portion, it would retain $30 million and cede the remaining
$7 million to the reinsurer. Option C is incorrect because $37 million is the total risk presented, not the insurer's retained amount after reinsurance. Option D represents the available reinsurance agreement, not W
& A's retention. Option A has no technical basis in the facts provided. This question tests the difference between gross line, net retention, capacity, and reinsured portion. Brokers must understand this because larger risks may require layering, subscription, facultative reinsurance, or market-sharing arrangements before coverage can be confirmed. References/topics: From Quote to Policy; insurer capacity, retention, reinsurance, risk placement, underwriting authority.
질문 # 41
In law, what does the term prescription mean?
정답：A
설명：
Prescription means the limited time after which a cause of action ceases. In legal and insurance contexts, this is closely associated with limitation periods: the deadline by which a claimant must bring legal action. If the prescribed period expires, the legal right to sue may be lost, even if the underlying claim once had merit.
Option A is unrelated; automatic renewal is an insurance administration issue, not prescription. Option C describes underwriting guidelines or risk appetite, not a legal limitation period. Option D describes subrogation, where an insurer that has paid a loss may acquire the insured's rights to pursue a responsible third party. Prescription is critical in claims because insurers, adjusters, brokers, and insureds must be aware of litigation deadlines, proof requirements, and statutory limitation periods. Missing a limitation period can permanently prejudice recovery or defence rights. The broker should not give legal advice, but must recognize the seriousness of legal deadlines and direct clients to appropriate legal counsel when necessary. References
/topics: Claims; prescription, limitation periods, cause of action, legal deadlines, subrogation distinction.
질문 # 42
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IIC인증 C130시험을 패스하여 자격증을 취득하여 승진이나 이직을 꿈구고 있는 분이신가요? 이 글을 읽게 된다면IIC인증 C130시험패스를 위해 공부자료를 마련하고 싶은 마음이 크다는것을 알고 있어 시장에서 가장 저렴하고 가장 최신버전의 IIC인증 C130덤프자료를 강추해드립니다. 높은 시험패스율을 자랑하고 있는IIC인증 C130덤프는 여러분이 승진으로 향해 달리는 길에 날개를 펼쳐드립니다.자격증을 하루 빨리 취득하여 승진꿈을 이루세요.
C130완벽한 시험자료: https://www.passtip.net/C130-pass-exam.html