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-来源网络，仅供个人学习参考PrinciplesofRiskManagementandInsurance,11e(Rejda)Chapter2InsuranceandRisk1)AllofthefollowingarecharacteristicsofinsuranceEXCEPTA)riskavoidance.B)poolingoflosses.C)paymentoffortuitouslosses.D)indemnification.Answer:AQuestionStatus:PreviousEdition2)Whichofthefollowingisimpliedbythepoolingoflosses?A)sharingoflossesbyanentiregroupB)inabilitytopredictlosseswithanydegreeofaccuracyC)substitutionofactuallossforaveragelossD)increaseofobjectiveriskAnswer:AQuestionStatus:PreviousEdition3)Accordingtothelawoflargenumbers,whathappensasthenumberofexposureunitsincreases?A)Actualresultswillincreasinglydifferfromprobableresults.B)Actualresultswillmorecloselyapproachprobableresults.C)Nondiversifiableriskwilldecrease.D)Objectiveriskwillincrease.Answer:BQuestionStatus:Revised4)Accordingtothelawoflargenumbers,whatshouldhappenasaninsurerincreasesthenumberofunitsinsured?A)Theamounttheinsurerexpectstopayinclaimsshoulddecrease.B)Underwritingexpensesshoulddecrease.C)Actualresultswillmorecloselyapproachexpectedresults.D)Theinsurer'sprofitabilityshouldbecomemorevariable.Answer:CQuestionStatus:PreviousEdition5)Characteristicsofafortuitouslossincludewhichofthefollowing?I.Thelossiscertaintooccur.-来源网络，仅供个人学习参考II.Thelossoccursasaresultofchance.A)IonlyB)IIonlyC)bothIandIID)neitherInorIIAnswer:BQuestionStatus:PreviousEdition6)Fromtheviewpointoftheinsurer,allofthefollowingarecharacteristicsofanideallyinsurableriskEXCEPTA)Thelossmustbeaccidental.B)Thelossshouldbecatastrophic.C)Thepremiummustbeeconomicallyfeasible.D)Theremustbealargenumberofexposureunits.Answer:BQuestionStatus:Revised7)Fromthestandpointoftheinsurer,allofthefollowingarecharacteristicsofanideallyinsurableriskEXCEPTA)Thelossmustbeunintentional.B)Thechanceoflossmustbecalculable.C)Thelossmustbeindeterminable.D)Thelossmustbemeasurable.Answer:CQuestionStatus:Revised8)Whyisalargenumberofexposureunitsgenerallyrequiredbeforeapureriskisinsurable?A)Itpreventstheinsurerfromlosingmoney.B)Iteliminatesintentionallosses.C)Itminimizesmoralhazard.D)Itenablestheinsurertopredictlossesmoreaccurately.Answer:DQuestionStatus:PreviousEdition9)Therequirementthatlossesshouldbeaccidentalandunintentionalinordertobeinsurableresultsinwhichofthefollowing?I.DecreaseinmoralhazardII.Moreaccuratepredictionoffuturelosses-来源网络，仅供个人学习参考A)IonlyB)IIonlyC)bothIandIID)neitherInorIIAnswer:CQuestionStatus:PreviousEdition10)Whichofthefollowingisimpliedbytherequirementthatalossshouldbedeterminableandmeasurabletobeinsurable?I.Thelossmustbedefiniteastoplace.II.Thelossmustbedefiniteastoamount.A)IonlyB)IIonlyC)bothIandIID)neitherInorIIAnswer:CQuestionStatus:PreviousEdition11)Methodsbywhichinsurersmayminimizeoravoidcatastrophiclossesincludewhichofthefollowing?I.TheuseofreinsuranceII.ConcentratingcoveragewritteninonegeographicregionA)IonlyB)IIonlyC)bothIandIID)neitherInorIIAnswer:AQuestionStatus:PreviousEdition12)Whichofthefollowingtypesofrisksbestmeetstherequirementsforbeinginsurablebyprivateinsurers?A)marketrisksB)propertyrisksC)financialrisksD)politicalrisksAnswer:BQuestionStatus:PreviousEdition-来源网络，仅供个人学习参考13)Reasonswhymarket,financial,andproductionrisksareoftenuninsurableincludewhichofthefollowing?I.Thepotentialtoproduceacatastrophiclossisgreat.II.Thechanceoflosscannotbeaccuratelyestimated.A)IonlyB)IIonlyC)bothIandIID)neitherInorIIAnswer:CQuestionStatus:PreviousEdition14)Whichofthefollowingtypesofrisksisnormallyuninsurablebyprivateinsurers?A)personalrisksB)propertyrisksC)liabilityrisksD)marketrisksAnswer:DQuestionStatus:PreviousEdition15)Whichofthefollowingisaresultofadverseselection?A)Theinsurer'sfinancialresultswillbesubstantiallyimproved.B)Personsmostlikelytohavelossesarealsomostlikelytoseekinsuranceatstandardrates.C)Itisunnecessaryfortheinsurancecompanytouseunderwriting.D)Insurancecanbewrittenonlybythefederalgovernment.Answer:BQuestionStatus:PreviousEdition16)ThetendencyforunhealthypeopletoseeklifeorhealthinsuranceatstandardratesisanexampleofA)moralhazard.B)fundamentalrisk.C)attitudinalhazard.D)adverseselection.Answer:DQuestionStatus:Revised17)Whichofthefollowingstatementsregardinginsuranceandgamblingis(are)true?I.Insuranceisusedtohandleexistingpurerisks,whilegamblingcreatesanewspeculativerisk.-来源网络，仅供个人学习参考II.Insuranceusuallyinvolvesriskavoidance,whilegamblingtypicallyinvolvesonlyriskreduction.A)IonlyB)IIonlyC)bothIandIID)neitherInorIIAnswer:AQuestionStatus:PreviousEdition18)Inadditiontomarketinglifeinsurance,lifeinsurerstypicallysellwhichofthefollowingproducts?I.RetirementannuitiesII.DisabilityincomeinsuranceA)IonlyB)IIonlyC)bothIandIID)neitherInorIIAnswer:CQuestionStatus:PreviousEdition19)InlandmarineinsuranceprovidescoverageforA)goodsbeingshippedonland.B)prematuredeathofmembersofthearmedforces.C)goodsbeingshippedonocean-goingvessels.D)liabilityexposuresofnonprofitorganizations.Answer:AQuestionStatus:PreviousEdition20)AllofthefollowingareclassifiedascasualtyinsuranceEXCEPTA)lifeinsurance.B)generalliabilityinsurance.C)workerscompensationinsurance.D)burglaryandtheftinsurance.Answer:AQuestionStatus:Previous