更多"[单选题] (I. A majority of life insura"的相关试题:
[单选题] Relative to life insurance companies, property and casualty insurance companies hold
A. more liquid assets.
B. more long-term government bonds.
C. more commercial mortgages.
D. fewer municipal bonds.
[单选题] A basic product of life insurance companies is ________.
A. disability insurance
B. annuities
C. health insurance
D. all of the above
[单选题] Insurance companies employ underwriters
A. as an alternative to higher deductibles.
B. to control the risky behavior of their policyholders.
C. to control the risk incurred on their behalf by agents.
D. to encourage the loyalty of exclusive agents.
E. to maintain the independence of independent agents.
[单选题] If automobile insurance companies were prevented from charging risk-based premiums, but could selectively screen potential policyholders, the likely effect would be to
A. increase the number of young men obtaining insurance coverage relative to young women.
B. decrease the number of young women obtaining insurance coverage relative to young men.
C. decrease the number of young men obtaining insurance coverage relative to young women.
D. do both A and B of the above.
[单选题] Fire and casualty insurance companies are what type of intermediary?
A. Contractual savings institution
B. Depository institutions
C. Investment intermediaries
D. None of the above
[简答题] The fact that insurance companies charge young males higher automobile insurance premiums than young females is an example of coinsurance.
[单选题] Insurance companies' attempts to minimize adverse selection and moral hazard explain which of the following insurance practices?
A. Collection of information and screening of potential policyholders
B. Risk-based premiums
C. Deductibles and coinsurance
D. All of the above
E. Only A and B of the above
[单选题] Which life insurance policy usually requires the insured to pay a level premium for the duration of the policy, and the overpayment accumulates as a cash value that can be borrowed by the insured at reasonable rates?
A. Whole life
B. Term
C. Universal life
D. None of the above
[单选题] A term life insurance policy provides
A. insurance benefits only.
B. savings benefits only.
C. both insurance and savings benefits.
D. none of the above.
[单选题] The broad categories of life insurance products including which of the following?
A. Term
B. Whole life
C. Universal life
D. All of the above
[单选题] Clauses in life insurance policies that eliminate death benefits if the insured person commits suicide are an example of a ________.
A. restrictive provision
B. restrictive covenant
C. anti-fraud exclusion
D. risk-based deductible
[单选题] The largest share of life insurance companies' assets are ________.
A. corporate stock
B. corporate bonds
C. government securities
D. cash reserves
[简答题] A whole life insurance policy pays a death benefit if the policyholder dies.
[简答题] A monoline insurance company is an insurance company which specialize in credit insurance alone.
