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| Section | Weight | Objectives |
|---|---|---|
| Legal Principles of Insurance | 20–25% | - Subrogation and contribution - Principle of indemnity - Insurable interest, utmost good faith - Contract law fundamentals |
| Insurance Policy Structure and Provisions | 20–25% | - Interpretation of policy wording - Policy components: declarations, insuring agreement, exclusions, conditions - Endorsements and modifications |
| Risk Management and Application | 15–20% | - Ethics and professional conduct - Risk identification, assessment, treatment - Application of principles to personal and commercial contexts |
| Insurance Industry Structure and Stakeholders | 15–20% | - Legislation and regulation in Canada - Insurers, intermediaries, regulators - Roles: underwriting, claims, reinsurance |
| Introduction to Insurance | 10–15% | - Basic concepts: risk, peril, hazard - Purpose and function of insurance - Role of insurance in economy and society |
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24. Frage
A retailer reports $250,000 revenues and $100,000 expenses, and projects $50,000 in sustained growth next year. What is its net income for the past year?
Antwort: A
Begründung:
Net income is calculated by subtractingexpensesfromrevenues:
Net Income=Revenues#Expenses\text{Net Income} = \text{Revenues} - \text{Expenses} Net Income=Revenues#Expenses For this retailer:
$250,000#$100,000=$150,000\$250{,}000 - \$100{,}000 = \$150{,}000$250,000#$100,000=$150,000 The projection of $50,000 sustained growth next year is irrelevant because the question asks specifically forlast year'snet income. Many insurance-based financial questions test the ability to isolate actual financial performance from future projections.
Options B, C, and D incorrectly combine revenue, expense, or growth figures.
Thus, the correct net income isA: $150,000.
25. Frage
Which risk could be insured bychattel coverage?
Antwort: D
Begründung:
Chattelrefers tomovable personal property(as opposed to real property/land). Insurance policies that cover chattels protect items such as furniture, machinery, mobile homes, and other movable property.
Amobile homeis specifically recognized as chattel because it is transportable and not permanently affixed to land. Therefore, a mobile home qualifies for chattel insurance coverage.
Option A is atravel insurancerisk.
Option C is anevent prize indemnity risk, not related to chattel.
Option D isprofessional liability(errors & omissions), which covers negligence, not movable property.
Thus, the risk insurable under chattel coverage is amobile home, makingBthe correct choice.
26. Frage
Which statement reflects the concept that the premium for each risk should be commensurate with that risk?
Antwort: D
Begründung:
One of the fundamental principles of insurance rating is that thepremium charged must accurately reflect the level of riskbeing insured. This principle ensures fairness and financial stability: individuals or businesses presenting a higher probability of loss or greater potential severity must payhigher premiums, while lower- risk policyholders pay less. This is essential because insurers must collect sufficient funds to cover expected claims, expenses, and maintain solvency.
Option B describes the pooling of funds, which is part of how insurance works but does not address how premiums are determined.
Option C relates to the general purpose of insurance, not premium adequacy.
Option D loosely refers to indemnification, not rating methodology.
Therefore, the only statement that accurately reflects the idea that premiums must be commensurate with the risk isA.
27. Frage
What type of cancellation occurs if theinsuredcancels the policy before expiry?
Antwort: B,D
Begründung:
When apolicyholder(the insured) cancels a policy before its natural expiry date, insurers applyshort rate cancellation. Under short rate cancellation, the insurer refunds the unearned premiumminus a penalty. This penalty is applied because early cancellation disrupts expenses already incurred by the insurer, such as acquisition and administrative costs.
By contrast:
Pro rata cancellation (A)applies when theinsurercancels the policy - this provides the insured with thefullunearned premium refund, without penalties.
Half-term (B)is not a recognized cancellation method.
Partial-term (D)is also not an insurance cancellation method.
Thus, when the insured initiates cancellation, the correct method applied isshort rate.
28. Frage
What is his responsibility?
Antwort: B
Begründung:
A claims adjuster's primary initial responsibility is to receive, record, and gather preliminary information about a loss. This includes confirming the identity of the insured, the date and circumstances of the loss, and whether the situation appears to fall within the policy period and coverage. The adjuster also must ask probing questions to obtain the essential facts to begin an investigation. This early information is critical because it guides further steps such as contacting witnesses, arranging inspections, evaluating liability, and determining the need for expert reports.
Option A is incorrect because an adjuster cannot confirm coverage until a full review of the policy and the facts is completed. Option C is incorrect because the adjuster uses an independent adjuster's report but is not required to "verify no errors" in a formal sense; they assess and evaluate the report's content. Option D is unrelated to claims adjusting-premium changes are underwriting functions.
Therefore, the adjuster's correct responsibility at the early stage is to record preliminary details and obtain further necessary information, making B the accurate answer.
29. Frage
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