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| Section | Weight | Objectives |
|---|---|---|
| From Quote to Policy | 10% | - Policy structure and components - Quotation and binding authority - Policy issuance and delivery |
| Communication and Service Skills | 8% | - Policy changes and endorsements - Record keeping - Client communication |
| Insurance and the Intermediary | 10% | - Roles of brokers and agents - Legal duties and ethics - Licensing and regulation |
| Automobile Insurance | 10% | - Rating and policy issues - Provincial variations - Mandatory and optional coverages |
| Claims Handling | 8% | - Settlement and subrogation - Broker's role in claims - Claim reporting process |
| Sales and Client Needs | 10% | - Insurance solutions - Client consultation - Risk identification |
| The Application Process | 10% | - Completing applications - Underwriting considerations - Duty of disclosure |
| Property Insurance Exposures | 10% | - Exposures and perils - Personal property risks - Small commercial property risks |
| Property Insurance Wordings | 12% | - Common policy forms - Valuation methods - Coverages and exclusions |
| Liability Insurance | 12% | - Legal liability concepts - Personal liability coverages - Commercial general liability |
지금 같은 세대에 많은 분들이 IT업계에 관심을 가지고 있습니다. 이렇게 인재가 많은 사회에서 IT관련인사들은 아직도 적은 편입니다. 면접 시에도 IT인증 자격증유무를 많이들 봅니다. 때문에 IT자격증이 많은 인기를 누리고 있습니다.이런 살아가기 힘든 사회에서 이런 자격증들 또한 취득하기가 넘 어렵습니다.IIC C130인증시험 또한 아주 어려운 시험입니다. 많은 분들이 응시하지만 통과하는 분들은 아주 적습니다.
질문 # 36
What aspect of communication involves parties interpreting verbal and non-verbal cues?
정답：B
설명：
Active listening involves more than hearing words. It requires the intermediary to interpret the client's verbal statements and non-verbal cues, including tone, hesitation, emphasis, facial expression, posture, and level of confidence. In insurance practice, this matters because clients often do not use technical insurance language.
A client may understate a concern, misunderstand a coverage limitation, or reveal uncertainty through indirect cues. Active listening allows the broker or agent to clarify facts, confirm understanding, identify hidden objections, and avoid assumptions. Matching may involve adapting communication style to the client, but it is not the core process of interpreting cues. Building rapport is an outcome supported by effective communication, but it is broader than the specific skill tested. Passive exchange is not sufficient for professional insurance advice because it implies information moving without careful interpretation or confirmation. Active listening is therefore the strongest answer because it combines attention, interpretation, clarification, and response. References/topics: Communication and Service Skills; active listening, verbal cues, non-verbal communication, client understanding.
질문 # 37
Which action on the part of the insured would most likely result in a surcharge to the insurance policy?
정답：C
설명：
A surcharge is an additional premium applied when the insurer identifies a higher-than-standard risk characteristic. The purchase of a new sports car for a teenage son to drive is the clearest surcharge trigger because it combines two rating concerns: a high-performance vehicle and an inexperienced or youthful driver.
This increases both claim frequency and claim severity potential. A teenage driver may attract higher rates due to limited driving experience, while a sports car typically has higher repair costs, theft exposure, and accident potential. Option A may affect underwriting interest or mortgagee information, but simply having two mortgages does not normally create a surcharge in the same direct way. Option B would usually improve the risk and may qualify for a discount, not a surcharge. Option C may reduce risk or fall into ordinary vehicle substitution rating, depending on the vehicle, but it is not the strongest surcharge indicator. The technical principle is that rating adjustments follow measurable risk characteristics. References/topics: From Quote to Policy; rating factors, surcharges, automobile underwriting, youthful operators, vehicle classification.
질문 # 38
What should the intermediary do if the person reporting the claim is not named on the insurance policy?
정답：C
설명：
If a claim is reported by someone who is not named on the policy, the intermediary should attempt to discuss the matter with the client. The broker must protect confidentiality, verify authority, and avoid disclosing policy information to an unauthorized person. At the same time, the report may still involve a valid loss, so the broker should not ignore it. Speaking with the named insured allows the intermediary to confirm whether the claim is legitimate, whether the reporting person has authority to act, and whether notice should be forwarded to the insurer. Contacting the police is not automatically required unless the facts suggest crime, injury, fraud, or legal reporting obligations. Sending a statement of claim is incorrect; that is a legal pleading, not a broker response. Adding the reporting party as an additional insured would be inappropriate without underwriting approval, insurable interest, and the insured's instruction. The correct claims-service approach is controlled communication, verification, documentation, and prompt reporting once authority and facts are confirmed. References/topics: Claims; claim reporting, confidentiality, named insured authority, broker communication, claims intake procedure.
질문 # 39
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：D
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 # 40
Which homeowners package policy provides all-perils coverage on the building and named-perils coverage on the contents?
정답：D
설명：
The broad form homeowners policy typically provides all-perils coverage on the dwelling building and named-perils coverage on personal property or contents. This structure gives broader protection for the building, which is usually the insured's largest property exposure, while applying more limited named-perils protection to contents. The basic or standard form is generally narrower because it covers both building and contents on a named-perils basis. The comprehensive form is broader because it generally provides all-perils coverage for both building and contents, subject to exclusions and conditions. Therefore, the correct match is broad form. The distinction matters because "all-perils" does not mean every possible loss is covered; it means all direct physical loss is covered unless excluded. Named-perils coverage works the opposite way: the loss must be caused by a peril specifically listed in the policy. Brokers must be precise when explaining these forms because clients frequently confuse broad and comprehensive coverage. References/topics: Property Insurance-Wordings; homeowners package forms, broad form, named perils, all-perils coverage.
질문 # 41
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