참고: Itcertkr에서 Google Drive로 공유하는 무료 2026 IIC RIBO-Level-1 시험 문제집이 있습니다: https://drive.google.com/open?id=1UOiErK2TT59QitN2KfnZ7EhErxjrK9PJ
IIC RIBO-Level-1 시험을 어떻게 통과할수 있을가 고민중이신 분들은Itcertkr를 선택해 주세요. Itcertkr는 많은 분들이 IT인증시험을 응시하여 성공하도록 도와주는 사이트입니다. 최고급 품질의IIC RIBO-Level-1시험대비 덤프는IIC RIBO-Level-1시험을 간단하게 패스하도록 힘이 되어드립니다. Itcertkr 의 덤프는 모두 엘리트한 전문가들이 만들어낸 만큼 시험문제의 적중률은 아주 높습니다.
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Commercial Lines | 20% | - Business interruption insurance - Commercial automobile insurance - Commercial General Liability (CGL) - Commercial property insurance - Coinsurance principles - Reinsurance and subscription policies |
| Topic 2: Personal Lines Habitational Insurance | 25% | - Liability coverage - Fire and Extended Coverage (EC) - Homeowner's insurance policies - Vacancy permits and exclusions - Condominium and tenant insurance |
| Topic 3: Personal Lines Automobile Insurance | 25% | - Ontario Automobile Policy (OAP) #1 - Automobile coverage options and endorsements - OAP #6 - Uninsured Automobile Coverage - OPF #2 - Policy Forms - Fault determination rules |
| Topic 4: Travel Insurance | 5% | - Emergency medical coverage - Travel health insurance products - Coverage limitations and exclusions |
| Topic 5: General Insurance and Industry Knowledge | 25% | - RIB Act and Regulations - RIBO By-Laws - Insurance fundamentals and principles - Professional standards and ethics - Ontario insurance industry overview |
Itcertkr에서 발췌한 IIC인증 RIBO-Level-1덤프는 전문적인 IT인사들이 연구정리한 최신버전 IIC인증 RIBO-Level-1시험에 대비한 공부자료입니다. IIC인증 RIBO-Level-1 덤프에 있는 문제만 이해하고 공부하신다면IIC인증 RIBO-Level-1시험을 한방에 패스하여 자격증을 쉽게 취득할수 있을것입니다.
질문 # 199
Your insured has Comprehensive coverage on O.A.P. 1 Owner's Policy and informs you that they will be taking the car by ferry from Yarmouth, Nova Scotia to Bar Harbour, Maine. The insured asks if the policy would cover the loss of the automobile if the ferry sank in a storm. What do you tell them?
정답：A
설명：
This question tests the broker's understanding of the "Loss or Damage" section of the Ontario Automobile Policy (OAP 1). Under Section 7, Comprehensive coverage is an "all-risks" type of protection that covers any loss or damage to the vehicle that is not specifically excluded.
According to the RIBO Level 1 Blueprint, a broker must know the territorial limits and specific peril inclusions of the OAP 1. Section 7.2.2 explicitly states that loss or damage caused by the stranding, sinking, burning, derailment, or collision of any conveyance in or upon which the automobile is being transported on land or water is covered. This means that if a vehicle is on a ferry, train, or transport truck, it is protected against the sinking or crashing of that transport method.
Furthermore, the OAP 1's Territorial Limits include Canada, the United States of America, and "upon a vessel between ports of those countries." Since the ferry is traveling between Nova Scotia (Canada) and Maine (USA), the vehicle remains within the covered territory. There is no requirement for a "Ferry Rider" or for the ports to be exclusively Canadian.
During Consulting and Advising, a broker should reassure the client that their Comprehensive coverage is robust enough to handle such maritime risks. This technical knowledge is vital for Risk Identification and Assessment, ensuring the broker can accurately confirm coverage for clients planning international or inter- provincial travel. Understanding these "hidden" inclusions within the standard policy wording is a hallmark of a professional broker who has mastered the technical details of the OAP 1.
질문 # 200
A building worth $120,000 is insured for $60,000 under a fire policy with an 80% co-insurance clause. Fire damages the building to the extent of $24,000. How much does the insurer pay?
정답：B
설명：
The correct answer is D. $15,000 .
With a co-insurance clause , the insured must carry insurance equal to a stated percentage of the property value to avoid a penalty at claim time. Here, the building is worth $120,000 and the policy has an 80% co- insurance requirement . That means the insured should have carried:
$120,000 × 80% = $96,000
However, the building was only insured for $60,000 , which is less than the required amount. Because of that, the loss payment is reduced proportionately using the co-insurance formula:
Insurance carried ÷ Insurance required × Loss
$60,000 ÷ $96,000 × $24,000 = $15,000
So the insurer pays $15,000 , assuming no deductible is mentioned.
This is a classic RIBO commercial property calculation. Co-insurance encourages insureds to carry adequate insurance to value. If they underinsure, they become a co-insurer for part of the loss themselves. A is wrong because that is the policy limit, not the payable amount. B would only apply if the co-insurance requirement had been met. C does not match the formula. Brokers must understand co-insurance so they can explain underinsurance penalties clearly to clients.
질문 # 201
According to the Registered Insurance Brokers (RIB) Act, how long MUST Brokers maintain records of their transactions?
정답：A
설명：
The Information Management and Legal and Regulatory Compliance competencies require a strict adherence to record-keeping standards. Under the RIB Act, brokers are required to maintain a comprehensive "audit trail" of all client transactions, including applications, endorsements, and financial dealings. The statutory period for this retention is 6 years (Option C).
This 6-year requirement aligns with the general limitations period for civil litigation and tax audits in Canada.
The RIBO Level 1 Blueprint emphasizes that "records" include not just signed policy documents, but also contemporaneous notes of meetings, copies of checks, and evidence of advice given or declined. Proper record-keeping is the primary defense against Errors and Omissions (E&O) claims. If a client disputes a transaction from five years ago, the broker must be able to produce the file to prove they met the required standard of care.
A broker must also understand that these records must be kept in a "secure and accessible" format, whether physical or digital. This reflects the Professionalism required to manage sensitive personal information under PIPEDA. Failure to maintain records for the full 6-year term is a breach of the RIB Act and could lead to disciplinary action during a RIBO "Spot Check" or audit. This knowledge is essential for an entry-level broker to ensure the long-term stability and integrity of the brokerage's operations, fulfilling the Risk Assessment role by protecting the firm from legal and regulatory jeopardy.
질문 # 202
A building worth $100,000 is insured for $60,000 under a policy with a 90% co-insurance clause. Fire damages the building to the extent of $45,000. How much does the insurer pay?
정답：D
설명：
The correct answer is D. $30,000 .
A co-insurance clause requires the insured to carry insurance equal to a stated percentage of the property's value. If the insured carries less than that amount, a penalty applies at claim time.
Here, the building value is $100,000 and the co-insurance requirement is 90% . So the amount of insurance that should have been carried is:
$100,000 × 90% = $90,000
But the insured only carried $60,000 . That means the insured did not meet the co-insurance requirement. The loss payment is calculated using the standard formula:
Insurance carried ÷ Insurance required × Loss
$60,000 ÷ $90,000 × $45,000 = $30,000
So the insurer pays $30,000 , assuming no deductible is mentioned.
Why the others are wrong: A. is the policy limit, not the amount payable. B. would only be paid if the insured had met the co-insurance requirement. C. does not match the correct calculation.
From a RIBO perspective, this is a basic commercial property calculation and a very important broker concept. Brokers must explain that co-insurance exists to encourage proper insurance-to-value. If a client underinsures, they effectively become a co-insurer for part of the loss themselves.
질문 # 203
Chan, a Broker, is preparing to do a review of homeowners quotes with his client. What are the MOST important details Chan should be discussing with his client?
정답：B
설명：
The correct answer is B because, when reviewing homeowners quotes, the broker's most important advisory role is to help the client understand what is covered, what is not covered, and what requirements must be met to keep coverage in force . IBC's Know Your Policy guide says the policyholder must understand what is and is not included in the policy, explains that exclusions identify losses or property that are not covered, and states that policy conditions are requirements the insured must follow or the insurer may void coverage or refuse a claim.
This makes A incomplete because homeowners coverage normally includes the building, contents, and outbuildings , often with limitations. C is important, but price, discounts, and deductibles are secondary if the client does not first understand the actual scope of coverage. D is also incomplete because liability is only one part of the policy and does not address the broader issues of exclusions and conditions. The home coverage guide also shows why this matters: different forms such as comprehensive, broad, and named perils vary significantly, and major items like flood, sewer backup, or earthquake may be excluded unless added separately.
From a RIBO perspective, proper advice means reviewing the limitations, exclusions, and conditions first , so the client can make an informed decision.
질문 # 204
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학원다니면서 많은 지식을 장악한후IIC RIBO-Level-1시험보시는것도 좋지만 회사다니느랴 야근하랴 시간이 부족한 분들은IIC RIBO-Level-1덤프만 있으면 엄청난 학원수강료 필요없이 20~30시간의 독학만으로도IIC RIBO-Level-1시험패스가 충분합니다. 또한 취업생분들은 우선 자격증으로 취업문을 두드리고 일하면서 실무를 익혀가는방법도 좋지 않을가 생각됩니다.
RIBO-Level-1시험응시: https://www.itcertkr.com/RIBO-Level-1_exam.html
그리고 Itcertkr RIBO-Level-1 시험 문제집의 전체 버전을 클라우드 저장소에서 다운로드할 수 있습니다: https://drive.google.com/open?id=1UOiErK2TT59QitN2KfnZ7EhErxjrK9PJ