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最新的 California Department of Insurance Certification CA-Life-Accident-and-Health 免費考試真題:

1. All of the following are characteristics of adverse selection EXCEPT

A) poor underwriting results may occur if too many of the applicants accepted for insurance are those most likely to incur serious losses.
B) it normally occurs if the premium is low relative to the loss exposure.
C) people with the greatest probability of loss are the ones most likely to buy insurance.
D) insurance companies cannot discriminate against applicants who have a higher probability of loss.

2. The term for an insurer which has met the conditions required to transact business in the State of California is

A) admitted.
B) authorized.
C) eligible.
D) entitled.

3. It representation in an insurance contract qualifies as which of the following?

A) A policy provision.
B) An implied warranty.
C) An express warranty.
D) An amendment.

4. After the deductible is satisfied, what percentage of a reasonable charge does Medicare Part B pay?

A) 100%
B) 80%
C) 20%
D) 40%

5. A situation in which there is a possibility of a loss or a gain is a

A) fundamental risk.
B) particular risk.
C) speculative risk.
D) pure risk.

問題與答案：