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| Section | Weight | Objectives |
|---|---|---|
| Introduction to Insurance | 10–15% | - Role of insurance in economy and society - Basic concepts: risk, peril, hazard - Purpose and function of insurance |
| Insurance Industry Structure and Stakeholders | 15–20% | - Insurers, intermediaries, regulators - Roles: underwriting, claims, reinsurance - Legislation and regulation in Canada |
| Insurance Policy Structure and Provisions | 20–25% | - Interpretation of policy wording - Endorsements and modifications - Policy components: declarations, insuring agreement, exclusions, conditions |
| Risk Management and Application | 15–20% | - Application of principles to personal and commercial contexts - Ethics and professional conduct - Risk identification, assessment, treatment |
| Legal Principles of Insurance | 20–25% | - Insurable interest, utmost good faith - Subrogation and contribution - Principle of indemnity - Contract law fundamentals |
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질문 # 89
Antonio lights a firecracker and throws it to Brett. Brett tosses it to Sandra. Sandra catches it and throws it to Celina. It explodes in Celina's hands, injuring her. Who is the immediate cause of the loss?
정답：B
설명：
In determining liability, the immediate (proximate) cause refers to the most direct, unbroken cause leading to the injury. In this sequence, the firecracker explodes in Celina's hands immediately after she receives it from Sandra. Although Antonio initiated the chain of events and Brett contributed, their actions are more remote.
The last voluntary act that directly placed the dangerous object in the position where it caused harm was Sandra's throw to Celina. Sandra's action is therefore the immediate cause, even though earlier individuals may share legal responsibility in a broader causation analysis.
Option D is incorrect because Celina did not cause her own injury; she merely received the firecracker.
Option C includes Antonio and Brett, but neither was the final actor in the chain.
Therefore, the immediate cause of loss is B: Sandra.
질문 # 90
The risk manager of an oil refinery is seeking ways to transfer the pollution risk of a new drilling method.
What is the best option?
정답：C
설명：
Pollution exposures-especially from oil refinery operations-arehigh-severity, high-complexity risks.
Standard property and liability policiestypically exclude pollution, except for sudden and accidental events.
Pollution arising from new drilling methods is considered aspecialized environmental liabilityand often requirescustomized financial transfer mechanisms.
Anon-insurance loss-financing transfer agreement(also called a contractual risk transfer or financial risk transfer mechanism) allows the company to shift the financial consequences of pollution losses to another entity or through non-traditional insurance structures (e.g., environmental impairment liability contracts, captive agreements, or specialized financial instruments). This is the most appropriate and realistic way to transfer complex pollution exposures.
Option A (retain the risk) is unsafe due to catastrophic loss potential.
Option B (surety bond) guarantees performance, not pollution losses.
Option D is incorrect because standard policiesdo not coverthis exposure.
Thus the best option isC.
질문 # 91
Tame Insurance Company recently decided to terminate its broker agreement with XYZ Insurance Brokers.
Which situation would likely have resulted in this termination?
정답：C
설명：
Brokers are legally and ethically required to keep premiums in a trust account, separate from operating funds.
These trust monies belong to insurers (or insureds, depending on the context) until remitted. Misusing trust funds-such as using them to pay operating expenses-is considered a serious breach of fiduciary duty and a violation of insurance regulatory requirements. Such conduct jeopardizes financial integrity and can lead to immediate termination of the broker contract, regulatory sanctions, or license revocation. Therefore, option D reflects a valid and serious reason for terminating the agreement.
Option A concerns underwriting rules, not broker misconduct. Option B actually reflects good insurer service, not grounds for termination. Option C is incorrect because brokers do not owe commissionstoinsurers- insurers pay commissionstobrokers. The broker's responsibility is to remit collected premiums, not commissions.
Thus, the only option representing a breach serious enough to terminate an agency contract is D.
질문 # 92
George emails his cousin offering to buy her textbooks for $500. He states that unless she replies "no," they have a deal. Which essential element of a binding contract is missing?
정답：B
설명：
For a legally binding contract, there must beoffer and acceptance-a clear proposal and a clear, communicated acceptance. In this case, George attempts to treatsilenceas acceptance. According to contract law,silence cannot constitute acceptance, unless there is a prior agreement between the parties stating otherwise. Because his cousin has not actively communicated acceptance, the contract remains incomplete.
Option A is incorrect-consideration exists (money in exchange for books).
Option B is irrelevant-buying textbooks is legal.
Option C does not apply-George is 18 and has legal capacity in Alberta.
The missing element isacceptance, so the correct answer isD.
질문 # 93
Which statement reflects how an insurer invests their capital?
정답：A
설명：
Insurers in Canada are heavily regulated in the way they invest their capital because they must remain financially strong to pay future claims. Government regulations-federal for federally regulated insurers and provincial for provincially regulated insurers-set out specific investment restrictions, including prohibiting certain high-risk or illiquid investments. These rules protect policyholders by ensuring insurers maintain solvency and liquidity.
Insurers must invest prudently in order to meet long-term obligations, and therefore regulators specify the classes of investments deemed too risky or unsuitable. This includes limits on speculative investments or holdings that could jeopardize stability.
Option A is incorrect because insurers arenotrequired to invest in non-liquid assets; in fact, liquidity is important.
Option B is incorrect; although some foreign investments may be allowed, the statement is not a broad principle of regulation.
Option C is incorrect because insurers face significant restrictions, not complete freedom.
Thus, D is the correct answer.
질문 # 94
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IIC인증 C11시험은 중요한 IT인증자격증을 취득하는 필수시험과목입니다IIC인증 C11시험을 통과해야만 자격증 취득이 가능합니다.자격증을 많이 취득하면 자신의 경쟁율을 높여 다른능력자에 의해 대체되는 일은 면할수 있습니다.Itcertkr에서는IIC 인증C11시험대비덤프를 출시하여 여러분이 IT업계에서 더 높은 자리에 오르도록 도움드립니다. 편한 덤프공부로 멋진 IT전문가의 꿈을 이루세요.
C11인기자격증 인증시험자료: https://www.itcertkr.com/C11_exam.html
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