更多"[单选题] Clauses in life insurance pol"的相关试题:
[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] 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 basic product of life insurance companies is ________.
A. disability insurance
B. annuities
C. health insurance
D. all 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] 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] 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.
[单选题] (I. A majority of life insurance companies are organized as mutual companies.
(II. State governments have the major responsibility for regulating insurance companies.
A. (I. is true, (II. false.
B. (I. is false, (II. true.
C. Both are true.
D. Both are false.
[简答题] A monoline insurance company is an insurance company which specialize in credit insurance alone.
[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] Policies that limit the discretion of managers as a way of protecting bondholders' interests are called
A. restrictive covenants.
B. debentures.
C. sinking funds.
D. bond indentures.
[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] What insurance protects against liability for harm the insured may cause to others as a result of product failure or accidents?
A. Property insurance
B. Health insurance
C. Life insurance
D. Casualty insurance
[单选题] Insurance management tools that give policyholders incentives to avoid accidents insured against include ________.
A. deductibles
B. risk-based premiums
C. coinsurance
D. all of the above
[简答题] Property and casualty insurance protects against losses from fire, theft, storm, explosion, and even neglect.
[单选题] Consider Figure 9.2. Policies that permit Mexican workers to freely migrate to the United States would likely be resisted by:
A. U.S. capital owners
B. Native U.S. workers
C. U.S. capital owners and native U.S. workers
D. Neither U.S. capital owners nor native U.S. workers
[单选题] The Federal Deposit Insurance Corporation (FDIC. insures each depositor at a commercial bank, savings and loan association, or mutual savings bank up to a loss of ________ per account.
A. $100,000
B. $250,000
C. $500,000
D. $1,000,000
[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
