2026 DumpTOP 최신 C11 PDF 버전 시험 문제집과 C11 시험 문제 및 답변 무료 공유: https://drive.google.com/open?id=1i_Bfwx2JzwxM5rhTBgmG_w09v60mokTC
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| Section | Weight | Objectives |
|---|---|---|
| Legal Principles of Insurance | 20–25% | - Insurable interest, utmost good faith - Subrogation and contribution - Contract law fundamentals - Principle of indemnity |
| Insurance Policy Structure and Provisions | 20–25% | - Endorsements and modifications - Interpretation of policy wording - Policy components: declarations, insuring agreement, exclusions, conditions |
| Introduction to Insurance | 10–15% | - Purpose and function of insurance - Basic concepts: risk, peril, hazard - Role of insurance in economy and society |
| Risk Management and Application | 15–20% | - Application of principles to personal and commercial contexts - Risk identification, assessment, treatment - Ethics and professional conduct |
| Insurance Industry Structure and Stakeholders | 15–20% | - Legislation and regulation in Canada - Roles: underwriting, claims, reinsurance - Insurers, intermediaries, regulators |
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질문 # 38
What is his responsibility?
정답：C
설명：
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.
질문 # 39
Tame Insurance Company recently decided to terminate its broker agreement with XYZ Insurance Brokers.
Which situation would likely have resulted in this termination?
정답：D
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 # 40
Which problem could arise with an oral binder?
정답：C
설명：
An oral binder is a legally recognized temporary contract that provides immediate insurance coverage before a written policy is issued. While oral binders are valid in all Canadian provinces, their reliability depends entirely on whether the intermediary actually has binding authority from the insurer. If the broker or agent who gives the oral binder doesnothave the authority to commit the insurer, then the binder may not be valid, and coverage may not exist. This makes lack of authority the primary risk associated with oral binders.
Option A is incorrect-oral binders are legal across Canada.
Option B is incorrect-a binder cannot override policy warranties; it simply provides temporary coverage.
Option C is unrelated; privacy documentation is not what makes a binder valid or invalid.
Thus, the key problem is that the intermediary may not have binding authority, making D the correct answer.
질문 # 41
Usually, what must an insurance intermediary do before using the personal information of a client for a purpose other than that for which the information was originally collected?
정답：B
설명：
Under Canadian privacy legislation (such as PIPEDA), personal information may only be used for the specific purpose for which it was originally collected unless the client provides informed consent for additional use.
Insurance intermediaries must therefore obtain explicit permission from the client before using or disclosing their information for any new purpose, such as marketing, cross-selling, or sharing data with third-party providers.
Option B-simply notifying the client-is insufficient without consent. Option C is incorrect, as the ombudsperson deals with complaints, not privacy approvals. Option D is incorrect because privacy officers do not grant permissions; the law requires consent from the individual, not from government officials.
Since consent is central to privacy compliance in insurance operations, the intermediary must obtain permission from the client, making A the correct answer.
질문 # 42
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 # 43
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