꿈을 안고 사는 인생이 멋진 인생입니다. 고객님의 최근의 꿈은 승진이나 연봉인상이 아닐가 싶습니다. IIC인증 C130시험은 IT인증시험중 가장 인기있는 국제승인 자격증을 취득하는데서의 필수시험과목입니다.그만큼 시험문제가 어려워 시험도전할 용기가 없다구요? 이제 이런 걱정은 버리셔도 됩니다. Itcertkr의 IIC인증 C130덤프는IIC인증 C130시험에 대비한 공부자료로서 시험적중율 100%입니다.
| Section | Weight | Objectives |
|---|---|---|
| Insurance and the Intermediary | 10% | - Licensing and regulation - Legal duties and ethics - Roles of brokers and agents |
| Communication and Service Skills | 8% | - Policy changes and endorsements - Client communication - Record keeping |
| Sales and Client Needs | 10% | - Client consultation - Insurance solutions - Risk identification |
| Liability Insurance | 12% | - Legal liability concepts - Personal liability coverages - Commercial general liability |
| Automobile Insurance | 10% | - Rating and policy issues - Provincial variations - Mandatory and optional coverages |
| Property Insurance Wordings | 12% | - Common policy forms - Coverages and exclusions - Valuation methods |
| Property Insurance Exposures | 10% | - Personal property risks - Small commercial property risks - Exposures and perils |
| The Application Process | 10% | - Completing applications - Underwriting considerations - Duty of disclosure |
| From Quote to Policy | 10% | - Policy issuance and delivery - Quotation and binding authority - Policy structure and components |
| Claims Handling | 8% | - Settlement and subrogation - Claim reporting process - Broker's role in claims |
Itcertkr의 IIC인증 C130덤프는 다른 덤프판매 사이트보다 저렴한 가격으로 여러분들께 가볍게 다가갑니다. IIC인증 C130덤프는 기출문제와 예상문제로 되어있어 시험패스는 시간문제뿐입니다.
질문 # 54
What must an intermediary remember when using a valuation guide to calculate the replacement cost for a dwelling?
정답：B
설명：
When using a valuation guide, the intermediary must remember that luxury or custom dwellings often cost significantly more to repair or replace than standard construction. Valuation tools rely on inputs, assumptions, construction classes, regional cost tables, and average building characteristics. They are useful, but they can understate replacement cost where the dwelling has custom millwork, imported materials, architect-designed features, high-end mechanical systems, unusual layouts, superior finishes, heritage characteristics, or specialized construction. Option C is plainly incorrect because different insurer tools may produce different values depending on methodology and inputs. Option B is true as a general insurance-to-value principle, but it does not specifically address the limitation of valuation guides. Option A overstates the role of an intermediary inspection; an inspection may help identify characteristics, but the key issue in this question is the increased rebuilding cost for custom or luxury dwellings. Accurate replacement cost matters because underinsurance can create coinsurance penalties, inadequate limits, or failure to qualify for guaranteed replacement cost provisions. References/topics: Property Insurance-Exposures; replacement cost valuation, insurance to value, custom dwellings, valuation guide limitations.
질문 # 55
What should a broker do when selecting coverage for a client?
정답：C
설명：
Coverage selection must be driven by the client's actual exposures and needs, not by convenience, price alone, or mechanical use of standard forms. A broker should compare policy wordings, limits, exclusions, extensions, deductibles, conditions, valuation clauses, and insurer service capability against the client's risk profile. Option A is too rigid because standard wording may be inadequate for unusual property, specialized operations, high-value contents, business interruption exposure, liability hazards, or contractual obligations.
Option C is meaningless; a policy being heavily legalistic does not make it appropriate or superior. Option D is poor practice because overinsurance is not a proper E & O defence and may create affordability issues, client dissatisfaction, or unsuitable placement. The professional standard is needs-based recommendation supported by clear documentation. Brokers must identify what the client needs to protect, match those needs to available insurance products, and explain significant limitations. References/topics: From Quote to Policy; coverage selection, wording comparison, needs analysis, E & O prevention, client suitability.
질문 # 56
Which name is a legal entity?
정답：C
설명：
A legal entity is a person or organization capable of owning property, entering contracts, suing, being sued, and being named as an insured. "Olivia Clemente dba Discovery Playcare" identifies an individual person, Olivia Clemente, who is doing business under the trade name Discovery Playcare. The individual is the legal entity; the business name is merely the operating name. The other choices appear to be trade names or business styles without enough information to confirm a legal person, corporation, partnership, or registered entity. This matters in insurance because the named insured must be correctly identified. If the policy names only a trade name that is not a legal entity, coverage disputes may arise over ownership, insurable interest, liability protection, claims payment, and who has authority to make changes. Brokers and agents must confirm whether the insured is an individual, corporation, partnership, estate, trust, condominium corporation, or other recognized legal entity. Getting the name wrong is a classic application error and potential E & O exposure. References/topics: The Application Process; named insured, legal entity, trade names, insurable interest.
질문 # 57
What does the term contra proferentem mean?
정답：B
설명：
Contra proferentem is a rule of contractual interpretation under which ambiguity is interpreted against the party that drafted the wording. In insurance, the insurer normally drafts the policy wording, so unclear or ambiguous language is generally construed in favour of the insured. This does not mean courts rewrite the policy or ignore clear exclusions; the rule applies when wording is genuinely uncertain after ordinary interpretation methods are used. Option A describes voiding or treating a contract as nonexistent, which is not contra proferentem. Option B relates more to affirming or avoiding a contract in certain legal contexts, not ambiguity. Option D concerns compliance obligations of insureds, not interpretive ambiguity. For brokers and agents, the concept matters because wording clarity is central to coverage advice. A policy may appear to provide coverage, but exclusions, definitions, limits, and conditions can narrow the result. Intermediaries should not rely on ambiguity as a coverage strategy; they should select clear wording and explain limitations before loss. References/topics: Property Insurance-Wordings; policy interpretation, ambiguity, contra proferentem, insurer-drafted wording.
질문 # 58
Which item would be insured under a personal articles floater?
정답：B
설명：
A stamp collection is a classic item insured under a personal articles floater or scheduled personal property coverage. Personal articles floaters are used for valuable items that require broader coverage, specific scheduling, agreed or appraised values, and protection beyond the limits or restrictions of an ordinary homeowners policy. Common examples include jewellery, furs, cameras, musical instruments, silverware, fine arts, coin collections, and stamp collections. An antique table may require special treatment, but it is more likely to fall under fine arts, antiques, or scheduled property depending on the wording, not the clearest personal articles floater example here. A leather sofa and coffee machine are ordinary household contents and would normally be handled under the contents section of a homeowners policy, subject to limits and exclusions. The purpose of a floater is to address items with high value, portability, collectability, or special loss settlement needs. Brokers should recommend scheduling where ordinary contents coverage is inadequate.
References/topics: Property Insurance-Wordings; personal articles floater, scheduled property, stamp collections, special limits.
질문 # 59
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많은 시간과 정신력을 투자하고 모험으로IIC인증C130시험에 도전하시겠습니까? 아니면 우리Itcertkr 의 도움으로 시간을 절약하시겠습니까? 요즘 같은 시간인 즉 모든 것인 시대에 여러분은 당연히 Itcertkr의 제품이 딱 이라고 생각합니다. 그리고 우리 또한 그 많은 덤프판매사이트 중에서도 단연 일등이고 생각합니다. 우리 Itcertkr선택함으로 여러분은 성공을 선택한 것입니다.
C130최고덤프데모: https://www.itcertkr.com/C130_exam.html