英文保險卷一 IIQE Paper 1 第一章
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- 已答
- 回顧
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1/262問題
1. 問題
1 分QID57:Which of the following are more likely to be insurable risks?
正確
Financial risks and physical risks are likely to be commercially insurable risks. The answer is C.
錯誤
Financial risks and physical risks are likely to be commercially insurable risks. The answer is C.
提示
References:1.1.1
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2/262問題
2. 問題
1 分QID38:The potential loss that risk presents may be:
正確
The potential loss that risk presents may be:
1. Financial
2. Physical
3. EmotionalThe answer is D.
錯誤
The potential loss that risk presents may be:
1. Financial
2. Physical
3. EmotionalThe answer is D.
提示
References:1.1.1
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3/262問題
3. 問題
1 分QID40:Risk means:
正確
The definition of risk is “uncertainty concerning a potential loss”. The answer is B.
錯誤
The definition of risk is “uncertainty concerning a potential loss”. The answer is B.
提示
References:1.1.1
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4/262問題
4. 問題
1 分QID41:Which of the following is likely to be commercially uninsurable?
正確
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
錯誤
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
提示
References:1.1.1
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5/262問題
5. 問題
1 分QID42:Which of the following is likely to be commercially insurable?
正確
Financial risks and physical risks are likely to be commercially insurable risks. The answer is A.
錯誤
Financial risks and physical risks are likely to be commercially insurable risks. The answer is A.
提示
References:1.1.1
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6/262問題
6. 問題
1 分QID43:Some risks will make people feel grief and sorrow, but won’t bring any financial loss. The risks are:
正確
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
錯誤
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
提示
References:1.1.1
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7/262問題
7. 問題
1 分QID45:Emotional loss:
正確
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
錯誤
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
提示
References:1.1.1
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8/262問題
8. 問題
1 分QID46:In many cases, when insurers talk about “risk management”, they mean which of the following?
正確
When insurers talk about “risk management”, they could well be referring to ways and means of reducing or improving the insured loss potential of the “risks” they are insuring, or being invited to insure. The answer is A.
錯誤
When insurers talk about “risk management”, they could well be referring to ways and means of reducing or improving the insured loss potential of the “risks” they are insuring, or being invited to insure. The answer is A.
提示
References:1.1.1
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9/262問題
9. 問題
1 分QID47:What is the connection between “insurance” and “risk”?
正確
B)The insured may have chance to bear responsibility, like deductible;
C) There are other methods to deal with risks, such as risk avoidance;
D) Emotional risks are likely to be commercially uninsurable.The answer is A.
錯誤
B)The insured may have chance to bear responsibility, like deductible;
C) There are other methods to deal with risks, such as risk avoidance;
D) Emotional risks are likely to be commercially uninsurable.The answer is A.
提示
References:1.1.1
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10/262問題
10. 問題
1 分QID48:For an insurance policy purchased on an “all risks” basis, the expected definition of “peril” is:
正確
The peril means the cause of loss. The answer is A.
錯誤
The peril means the cause of loss. The answer is A.
提示
References:1.1.1
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11/262問題
11. 問題
1 分QID49:Which of the following is the definition of risk?
正確
The definition of risk is the “uncertainty concerning a potential loss”. The answer is D.
錯誤
The definition of risk is the “uncertainty concerning a potential loss”. The answer is D.
提示
References:1.1.1
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12/262問題
12. 問題
1 分QID50:From the insurance company’s point of view, which of the following is/are insurable loss(es)?
i. Financial loss
ii. Physical loss
iii. Emotional loss
iv. Specific loss正確
Financial and physical losses are likely to be (commercially) insurable risks. The answer is C.
錯誤
Financial and physical losses are likely to be (commercially) insurable risks. The answer is C.
提示
References:1.1.1
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13/262問題
13. 問題
1 分QID51:When an insurance policy insures on an “all risks” basis, the “risks” means:
正確
The peril (risk) means the cause of loss. The answer is A.
錯誤
The peril (risk) means the cause of loss. The answer is A.
提示
References:1.1.1
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14/262問題
14. 問題
1 分QID52:Emotional loss caused by some accidents:
正確
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
錯誤
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
提示
References:1.1.1
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15/262問題
15. 問題
1 分QID37:Which of the following statements relates to the meaning of the word “risk”?
i. The peril insured
ii. The property at risk that insurers are considering insuring
iii. The person at risk that insurers are insuring
iv. Uncertainty concerning a potential loss正確
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss) insured
4. The property at risk that insurers are considering insuringThe answer is D.
錯誤
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss) insured
4. The property at risk that insurers are considering insuringThe answer is D.
提示
References:1.1.1
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16/262問題
16. 問題
1 分QID66:In different situations, a word can be used to describe the potential of loss, an insured peril, an insured person or property. This word is:
正確
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insuredThe answer is D.
錯誤
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insuredThe answer is D.
提示
References:1.1.1
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17/262問題
17. 問題
1 分QID1:Potential sadness and feelings of grief but no financial loss. In this case, what kind of loss could it be?
正確
The potential loss that risk presents may be:
1. Financial: i.e. measurable in monetary terms;
2. Physical: death or personal injury;
3. Emotional: feelings of grief and sorrow.The answer is C.
錯誤
The potential loss that risk presents may be:
1. Financial: i.e. measurable in monetary terms;
2. Physical: death or personal injury;
3. Emotional: feelings of grief and sorrow.The answer is C.
提示
References:1.1.1
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18/262問題
18. 問題
1 分QID72:Which of the following is/are more likely to be the meaning(s) of insurers using the word “risk”?
正確
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insuredThe answer is D.
錯誤
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insuredThe answer is D.
提示
References:1.1.1
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19/262問題
19. 問題
1 分QID71:If a policy is bought on the basis of “all risks”, the predetermined meaning of “peril” in this case is:
正確
The peril insured means the cause of loss. The answer is A.
錯誤
The peril insured means the cause of loss. The answer is A.
提示
References:1.1.1
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20/262問題
20. 問題
1 分QID70:If a policy is bought on the basis of “all risks”, the predetermined meaning of “peril” in this case is:
正確
The peril insured means the cause of loss. The answer is B.
錯誤
The peril insured means the cause of loss. The answer is B.
提示
References:1.1.1
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21/262問題
21. 問題
1 分QID69:The word “risk” is sometimes interpreted by insurers as:
正確
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss) insuredThe answer is D.
錯誤
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss) insuredThe answer is D.
提示
References:1.1.1
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22/262問題
22. 問題
1 分QID54:The word “risk”:
正確
The definition of risk is the “uncertainty concerning a potential loss”. The answer is B.
錯誤
The definition of risk is the “uncertainty concerning a potential loss”. The answer is B.
提示
References:1.1.1
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23/262問題
23. 問題
1 分QID67:Insurers may use the word “risk” with other meanings, including:
i. Descripting the property or policyholder that they are insuring
ii. Indicating the peril insured or cause of loss
iii. Management of investment and other speculative risks
iv. Make an assessment of any losses and gains that will be faced正確
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insuredThe answer is A.
錯誤
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insuredThe answer is A.
提示
References:1.1.1
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24/262問題
24. 問題
1 分QID56:Which of the following risks may not be insurable?
正確
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
錯誤
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
提示
References:1.1.1
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25/262問題
25. 問題
1 分QID63:There is a type of risk that makes us sad but does not involve a financial loss. Such risks are:
正確
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
錯誤
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
提示
References:1.1.1
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26/262問題
26. 問題
1 分QID62:”Risk”:
正確
The definition of risk is “uncertainty concerning a potential loss”. The answer is D.
錯誤
The definition of risk is “uncertainty concerning a potential loss”. The answer is D.
提示
References:1.1.1
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27/262問題
27. 問題
1 分QID61:Which of the following risks is more likely to be insurable?
正確
Financial risks and physical risks are likely to be commercially insurable risks. The answer is B.
錯誤
Financial risks and physical risks are likely to be commercially insurable risks. The answer is B.
提示
References:1.1.1
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28/262問題
28. 問題
1 分QID60:The potential loss that risk presents may be:
正確
The potential loss that risk presents may be:
1. Financial
2. Physical
3. EmotionalThe answer is D.
錯誤
The potential loss that risk presents may be:
1. Financial
2. Physical
3. EmotionalThe answer is D.
提示
References:1.1.1
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29/262問題
29. 問題
1 分QID59:The definition of “risk” is:
正確
The definition of risk is “uncertainty concerning a potential loss”. The answer is D.
錯誤
The definition of risk is “uncertainty concerning a potential loss”. The answer is D.
提示
References:1.1.1
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30/262問題
30. 問題
1 分QID53:The definition of “risk” in the insurer’s view is:
正確
The definition of risk is the “uncertainty concerning a potential loss”. The answer is B.
錯誤
The definition of risk is the “uncertainty concerning a potential loss”. The answer is B.
提示
References:1.1.1
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31/262問題
31. 問題
1 分QID68:Insurers sometimes use the word “risk” to describe:
正確
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss) insuredThe answer is D.
錯誤
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss) insuredThe answer is D.
提示
References:1.1.1
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32/262問題
32. 問題
1 分QID10:Risk is defined as:
正確
Risk is defined as the uncertainty concerning a potential loss. The answer is D.
錯誤
Risk is defined as the uncertainty concerning a potential loss. The answer is D.
提示
References:1.1.1
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33/262問題
33. 問題
1 分QID19:Which of the following statements about the “concept of risk” is true?
i. All risks are commercially insurable
ii. Emotional risks are not normally insurable
iii. Not all risks are commercially insurable
iv. None of the above正確
Emotional risks are likely to be commercially uninsurable risks.
Speculative risks are not normally insurable.The answer is C.
錯誤
Emotional risks are likely to be commercially uninsurable risks.
Speculative risks are not normally insurable.The answer is C.
提示
References:1.1.1
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34/262問題
34. 問題
1 分QID18:The potential loss that risk presents may be:
正確
The potential loss that risk presents may be:
1. Financial
2. Physical
3. Emotional
The answer is D.錯誤
The potential loss that risk presents may be:
1. Financial
2. Physical
3. Emotional
The answer is D.提示
References:1.1.1
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35/262問題
35. 問題
1 分QID17:Insurance covers both financial and physical risks. If a person is very sorrow because his friend is ill, this is:
正確
Emotional risks are likely to be commercially uninsurable risks. The answer is A.
錯誤
Emotional risks are likely to be commercially uninsurable risks. The answer is A.
提示
References:1.1.1
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36/262問題
36. 問題
1 分QID16:Which of the following is most relevant to “uncertainty concerning a potential loss”?
正確
“Risk” contains a suggestion of loss or danger. We may therefore define it as “uncertainty concerning a potential loss”. The answer is A.
錯誤
“Risk” contains a suggestion of loss or danger. We may therefore define it as “uncertainty concerning a potential loss”. The answer is A.
提示
References:1.1.1
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37/262問題
37. 問題
1 分QID14:Which of the following definitions of risk is incorrect?
正確
The majority of the risks which are insured by commercial insurers are pure risks, and speculative risks are not normally insurable.
Tools or measures of risk handling include: risk avoidance, loss prevention, loss reduction, risk transfer, risk financing.
The answer is D.
錯誤
The majority of the risks which are insured by commercial insurers are pure risks, and speculative risks are not normally insurable.
Tools or measures of risk handling include: risk avoidance, loss prevention, loss reduction, risk transfer, risk financing.
The answer is D.
提示
References:1.1.1
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38/262問題
38. 問題
1 分QID20:Which of the following is more likely to be commercially insurable?
正確
Financial risks and physical risks are likely to be commercially insurable risks. The answer is A.
錯誤
Financial risks and physical risks are likely to be commercially insurable risks. The answer is A.
提示
References:1.1.1
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39/262問題
39. 問題
1 分QID11:Which of the following may be insurers’ definition of “risk”?
正確
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insured
The answer is D.錯誤
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insured
The answer is D.提示
References:1.1.1
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40/262問題
40. 問題
1 分QID4:How can risk be described?
正確
Financial risks and physical risks are likely to be commercially insurable risks. The answer is C.
錯誤
Financial risks and physical risks are likely to be commercially insurable risks. The answer is C.
提示
References:1.1.1
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41/262問題
41. 問題
1 分QID7:Which of the following is unlikely to be compensated?
正確
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
錯誤
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
提示
References:1.1.1
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42/262問題
42. 問題
1 分QID6:Which of the following risks is most likely to be insurable?
正確
Financial risks are likely to be commercially insurable risks. The answer is C.
錯誤
Financial risks are likely to be commercially insurable risks. The answer is C.
提示
References:1.1.1
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43/262問題
43. 問題
1 分QID5:Mr. Liang is very sorrow because of his friend’s death. What is the risk he faced?
正確
Emotional risks are feelings of grief and sorrow. The answer is C.
錯誤
Emotional risks are feelings of grief and sorrow. The answer is C.
提示
References:1.1.1
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44/262問題
44. 問題
1 分QID36:Some risks will make people feel grief and sorrow, but won’t bring any financial loss. The risks are:
正確
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
錯誤
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
提示
References:1.1.1
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45/262問題
45. 問題
1 分QID3:Which of the following concepts is true?
正確
Risk is defined as the uncertainty concerning a potential loss. The answer is C.
錯誤
Risk is defined as the uncertainty concerning a potential loss. The answer is C.
提示
References:1.1.1
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46/262問題
46. 問題
1 分QID55:When the word “risk” is used, the insurer may interpret it as which of the following?
正確
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)The answer is D.
錯誤
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)The answer is D.
提示
References:1.1.1
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47/262問題
47. 問題
1 分QID13:Which of the following statements relates to the meaning of the word “risk”?
i. The peril insured
ii. The property at risk that they are considering insuring
iii. The person at risk that they are insuring
iv. Uncertainty concerning a potential loss正確
Insurance companies may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insured
The answer is D.錯誤
Insurance companies may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insured
The answer is D.提示
References:1.1.1
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48/262問題
48. 問題
1 分QID32:What does the “uncertainty concerning a potential loss” mean?
正確
The definition of risk is “uncertainty concerning a potential loss”. The answer is B.
錯誤
The definition of risk is “uncertainty concerning a potential loss”. The answer is B.
提示
References:1.1.1
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49/262問題
49. 問題
1 分QID2:Which of the following statements about “insurance and risk” is true?
正確
Emotional risks are likely to be commercially uninsurable risks.
Speculative risks are also uninsurable risks.
Tools or measures of risk handling include: risk avoidance, loss prevention, etc.The answer is D.
錯誤
Emotional risks are likely to be commercially uninsurable risks.
Speculative risks are also uninsurable risks.
Tools or measures of risk handling include: risk avoidance, loss prevention, etc.The answer is D.
提示
References:1.1.1
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50/262問題
50. 問題
1 分QID33:Which of the following statements about the risk is true?
i. All risks are commercially insurable
ii. Not all risks are commercially insurable
iii. The only way to deal with risk is insurance
iv. Insurers may use the word “risk” with other meanings正確
Not all risks are commercially insurable. There are several ways to manage risk, including: risk avoidance, loss prevention, loss reduction. The answer is B.
錯誤
Not all risks are commercially insurable. There are several ways to manage risk, including: risk avoidance, loss prevention, loss reduction. The answer is B.
提示
References:1.1.1
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51/262問題
51. 問題
1 分QID31:Which of the following is more likely to be insurable for the potential loss caused by risks?
正確
Financial risks and physical risks are likely to be commercially insurable risks. The answer is A.
錯誤
Financial risks and physical risks are likely to be commercially insurable risks. The answer is A.
提示
References:1.1.1
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52/262問題
52. 問題
1 分QID30:In insurance, the cause of insured loss or insured property is called:
正確
In insurance, the cause of insured loss or insured property is called Risk.
錯誤
In insurance, the cause of insured loss or insured property is called Risk.
提示
References:1.1.1
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53/262問題
53. 問題
1 分QID29:The “risk” is:
正確
Financial risks and physical risks are likely to be commercially insurable risks. The answer is C.
錯誤
Financial risks and physical risks are likely to be commercially insurable risks. The answer is C.
提示
References:1.1.1
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54/262問題
54. 問題
1 分QID28:Which of the following statements about risk is true?
正確
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)The answer is C.
錯誤
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)The answer is C.
提示
References:1.1.1
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55/262問題
55. 問題
1 分QID27:Which of the following risks is likely to be commercially uninsurable?
正確
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
錯誤
Emotional risks are likely to be commercially uninsurable risks. The answer is D.
提示
References:1.1.1
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56/262問題
56. 問題
1 分QID25:Risk means:
正確
The definition of risk is the “uncertainty concerning a potential loss”. The answer is C.
錯誤
The definition of risk is the “uncertainty concerning a potential loss”. The answer is C.
提示
References:1.1.1
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57/262問題
57. 問題
1 分QID24:The potential loss that risk presents may be:
正確
The potential loss that risk presents may be:
1. Financial
2. Physical
3. EmotionalThe answer is D.
錯誤
The potential loss that risk presents may be:
1. Financial
2. Physical
3. EmotionalThe answer is D.
提示
References:1.1.1
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58/262問題
58. 問題
1 分QID23:Which of the following is/are true of the definition of “risk”?
正確
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss) insuredThe answer is D.
錯誤
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss) insuredThe answer is D.
提示
References:1.1.1
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59/262問題
59. 問題
1 分QID22:Insurers use the word “risk” to mean:
正確
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insuredThe answer is D.
錯誤
Insurers may use the word “risk” with other meanings, including:
1. uncertainty concerning a potential loss
2. the property or person at risk that they are insuring or considering insuring
3. the peril (i.e. cause of loss)insuredThe answer is D.
提示
References:1.1.1
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60/262問題
60. 問題
1 分QID21:Which of the following risks is unlikely to be insurable?
正確
Emotional risks are likely to be uninsurable risks. The answer is B.
錯誤
Emotional risks are likely to be uninsurable risks. The answer is B.
提示
References:1.1.1
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61/262問題
61. 問題
1 分QID26:Risk means:
正確
The definition of risk is the “uncertainty concerning a potential loss”. The answer is B.
錯誤
The definition of risk is the “uncertainty concerning a potential loss”. The answer is B.
提示
References:1.1.1
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62/262問題
62. 問題
1 分QID34:A surveyor employed by an insurer requires to check the details of a particular “risk” when assessing the risk. “Risk” means:
正確
The risk assessed by the surveyor must be insurable. Option A, B and C are commercially insurable risks. The answer is D.
錯誤
The risk assessed by the surveyor must be insurable. Option A, B and C are commercially insurable risks. The answer is D.
提示
References:1.1.1
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63/262問題
63. 問題
1 分QID110:Which of the following should be described as a fundamental risk?
正確
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is C.
錯誤
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is C.
提示
References:1.1.2
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64/262問題
64. 問題
1 分QID120:Some risks are very likely to be uninsurable. Which of the following is/are this type of risks?
正確
The majority of the risks which are insured by commercial insurers are pure and particular risks. Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially. The answer is C.
錯誤
The majority of the risks which are insured by commercial insurers are pure and particular risks. Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially. The answer is C.
提示
References:1.1.2
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65/262問題
65. 問題
1 分QID119:When a risk becomes a fact, it affects a relatively small scope. This risk is called a:
正確
Particular risks have relatively limited consequences, and affect an individual or a fairly small number of people. The answer is C.
錯誤
Particular risks have relatively limited consequences, and affect an individual or a fairly small number of people. The answer is C.
提示
References:1.1.2
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66/262問題
66. 問題
1 分QID118:The pure risk means:
正確
Pure risks offer the potential of loss only (no gain). The answer is C.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is C.
提示
References:1.1.2
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67/262問題
67. 問題
1 分QID117:Which of the following is a “pure risk”?
正確
Pure risks offer the potential of loss only (no gain). The answer is C.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is C.
提示
References:1.1.2
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68/262問題
68. 問題
1 分QID116:We may classify risk under two broad
headings, namely, potential financial results and:正確
We may classify risk under two broad headings (each having two categories) according to:
(a) its potential financial results
(b) its cause and effectThe answer is B.
錯誤
We may classify risk under two broad headings (each having two categories) according to:
(a) its potential financial results
(b) its cause and effectThe answer is B.
提示
References:1.1.2
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69/262問題
69. 問題
1 分QID107:According to the effect, risks can be classified as fundamental risks and:
正確
According to the effect, risks can be considered as being either particular or fundamental. The answer is D.
錯誤
According to the effect, risks can be considered as being either particular or fundamental. The answer is D.
提示
References:1.1.2
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70/262問題
70. 問題
1 分QID115:The risk which offers the potential of gain or loss is a:
正確
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is A.
錯誤
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is A.
提示
References:1.1.2
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71/262問題
71. 問題
1 分QID114:If classified from the effect of risk, risks can be divided into:
正確
If classified from the effect of risk, risks can be divided into fundamental risks and particular risks. The answer is C.
錯誤
If classified from the effect of risk, risks can be divided into fundamental risks and particular risks. The answer is C.
提示
References:1.1.2
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72/262問題
72. 問題
1 分QID113:Which of the following is most suitable to describe the particular risk?
正確
Particular risks have relatively limited consequences, and affect an individual or a fairly small number of people. The answer is B.
錯誤
Particular risks have relatively limited consequences, and affect an individual or a fairly small number of people. The answer is B.
提示
References:1.1.2
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73/262問題
73. 問題
1 分QID111:Which of the following can be described as a “speculative risk”?
i. Fluctuations in the hang Seng index
ii. Casino loss caused by fire
iii. A horse racing result at Happy Valley Racecourse
iv. Research on the effectiveness of antibiotics正確
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities.
(ii) is a pure risk, which offers the potential of loss only.
The answer is C.
錯誤
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities.
(ii) is a pure risk, which offers the potential of loss only.
The answer is C.
提示
References:1.1.2
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74/262問題
74. 問題
1 分QID109:Exclusions in most property insurance refer to which of the following risks?
正確
Most property insurance exclusions are “standard” exclusions (war, nuclear accident, etc.), which are fundamental risks. The answer is C.
錯誤
Most property insurance exclusions are “standard” exclusions (war, nuclear accident, etc.), which are fundamental risks. The answer is C.
提示
References:1.1.2
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75/262問題
75. 問題
1 分QID121:Which of the following can be described as a “speculative risk”?
i. Fluctuations in the hang Seng index
ii. The production of a new model of car
iii. Casino loss caused by fire
iv. The result of a football match正確
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is C.
錯誤
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is C.
提示
References:1.1.2
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76/262問題
76. 問題
1 分QID135:When a risk becomes a fact, it will offer the potential of loss or gain, which can be called a:
正確
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is B.
錯誤
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is B.
提示
References:1.1.2
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77/262問題
77. 問題
1 分QID108:Which of the following correctly describes the “fundamental risk”?
正確
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters which are problems for society or mankind rather than just the “particular” individuals
involved.The majority of the risks which are insured by commercial insurers are particular risks. Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially.
The answer is D.
錯誤
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters which are problems for society or mankind rather than just the “particular” individuals
involved.The majority of the risks which are insured by commercial insurers are particular risks. Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially.
The answer is D.
提示
References:1.1.2
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78/262問題
78. 問題
1 分QID112:Which of the following is a “pure risk”?
i. Plane crash
ii. Launch new insurance products
iii. The building destroyed accidentally by fire
iv. A valuable painting was stolen from the museum正確
Pure risks offer the potential of loss only (no gain). The answer is B.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is B.
提示
References:1.1.2
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79/262問題
79. 問題
1 分QID73:This risk affects large numbers of people and is a widespread disaster, which refers to:
正確
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is D.
錯誤
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is D.
提示
References:1.1.2
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80/262問題
80. 問題
1 分QID106:In terms of degree of insurability, particular risks:
正確
The majority of the risks which are insured by commercial insurers are particular risks. Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially. The answer is D.
錯誤
The majority of the risks which are insured by commercial insurers are particular risks. Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially. The answer is D.
提示
References:1.1.2
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81/262問題
81. 問題
1 分QID142:Which of the following is more likely to be a “speculative risk”?
i. Fluctuations in the hang Seng index
ii. Develop a new sports car
iii. Property was destroyed in an accidental fire
iv. Bet on the outcome of a football match正確
Speculative risks offer the potential of gain or loss. The answer is D.
錯誤
Speculative risks offer the potential of gain or loss. The answer is D.
提示
References:1.1.2
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82/262問題
82. 問題
1 分QID140:Which of the following is a correct statement of speculative risks?
正確
Speculative risks offer the potential of gain or loss. The answer is D.
錯誤
Speculative risks offer the potential of gain or loss. The answer is D.
提示
References:1.1.2
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83/262問題
83. 問題
1 分QID139:Which of the following is true to describe the “pure risk”?
正確
Pure risks offer the potential of loss only (no gain). The answer is B.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is B.
提示
References:1.1.2
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84/262問題
84. 問題
1 分QID138:Which of the following is more likely to be a speculative risk?
正確
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is A.
錯誤
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is A.
提示
References:1.1.2
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85/262問題
85. 問題
1 分QID133:Which of the following should be described as a fundamental risk?
正確
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is C.
錯誤
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is C.
提示
References:1.1.2
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86/262問題
86. 問題
1 分QID136:Which of the following is more likely to be a “speculative risk”?
i. Fluctuations in the prime rate
ii. Research and develop a new model sports car
iii. Financial loss of casino caused by fire
iv. Gambling on a race at Sha Tin Racecourse正確
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is D.
錯誤
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is D.
提示
References:1.1.2
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87/262問題
87. 問題
1 分QID122:Which of the following can be described as a “speculative risk”?
i. Fluctuations in the hang Seng index
ii. Development and research of avian influenza vaccine
iii. Casino loss caused by fire
iv. A horse racing result at Sha Tin Racecourse正確
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is B.
錯誤
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is B.
提示
References:1.1.2
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88/262問題
88. 問題
1 分QID134:When a risk becomes a fact, losses will occur. According to its effect, risks may be classified as:
正確
When a risk becomes a fact, losses will occur. According to its effect, risks may be classified as particular risks and fundamental risks. The answer is C.
錯誤
When a risk becomes a fact, losses will occur. According to its effect, risks may be classified as particular risks and fundamental risks. The answer is C.
提示
References:1.1.2
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89/262問題
89. 問題
1 分QID131:According to the potential financial results, risks can be classified into speculative risks and:
正確
According to the potential financial results, risks may be considered as being either pure or speculative. The answer is A.
錯誤
According to the potential financial results, risks may be considered as being either pure or speculative. The answer is A.
提示
References:1.1.2
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90/262問題
90. 問題
1 分QID129:Which of the following is true about “pure risks”?
正確
The majority of the risks which are insured by commercial insurers are pure risks, and speculative risks are not normally insurable. The answer is C.
錯誤
The majority of the risks which are insured by commercial insurers are pure risks, and speculative risks are not normally insurable. The answer is C.
提示
References:1.1.2
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91/262問題
91. 問題
1 分QID128:Which of the following is a “pure risk”?
正確
Pure risks offer the potential of loss only (no gain). The answer is D.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is D.
提示
References:1.1.2
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92/262問題
92. 問題
1 分QID124:Which of the following are more likely to be “pure risks”?
i. The building was destroyed in the air crash
ii. Develop a new weapon
iii. The building was destroyed by an accidental fire
iv. A valuable painting was stolen from the museum正確
Pure risks offer the potential of loss only (no gain). The answer is C.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is C.
提示
References:1.1.2
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93/262問題
93. 問題
1 分QID123:When a risk becomes a fact, it affects a relatively wide scope. This risk is called a:
正確
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is D.
錯誤
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is D.
提示
References:1.1.2
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94/262問題
94. 問題
1 分QID137:Which of the following is not a pure risk?
正確
Pure risks offer the potential of loss only (no gain). The answer is D.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is D.
提示
References:1.1.2
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95/262問題
95. 問題
1 分QID78:Which of the following is/are pure risk(s)?
i. The building was destroyed in the air crash
ii. Developing a new marine drilling technology
iii. The building was accidentally destroyed by fire
iv. A valuable painting was stolen from the museum正確
Pure risks offer the potential of loss only (no gain). (ii) may have gains. The answer is C.
錯誤
Pure risks offer the potential of loss only (no gain). (ii) may have gains. The answer is C.
提示
References:1.1.2
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96/262問題
96. 問題
1 分QID75:Which of the following is true about fundamental risks?
正確
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is B.
錯誤
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is B.
提示
References:1.1.2
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97/262問題
97. 問題
1 分QID85:Which of the following is unlikely to be insurable?
正確
Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially. The answer is C.
錯誤
Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially. The answer is C.
提示
References:1.1.2
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98/262問題
98. 問題
1 分QID84:From the insurable point of view, pure risks:
正確
The majority of the risks which are insured by commercial insurers are pure risks, and speculative risks are not normally insurable. The answer is C.
錯誤
The majority of the risks which are insured by commercial insurers are pure risks, and speculative risks are not normally insurable. The answer is C.
提示
References:1.1.2
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99/262問題
99. 問題
1 分QID83:Which of the following is a fundamental risk?
正確
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is A.
錯誤
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is A.
提示
References:1.1.2
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100/262問題
100. 問題
1 分QID82:According to the classification of financial results, risks can be divided into two types, including speculative risks and:
正確
According to the classification of financial results, risks can be divided into two types, including speculative risks and pure risks. The answer is A.
錯誤
According to the classification of financial results, risks can be divided into two types, including speculative risks and pure risks. The answer is A.
提示
References:1.1.2
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101/262問題
101. 問題
1 分QID81:According to the classification of financial results, risks can be divided into two types, including pure risks and:
正確
According to the classification of financial results, risks can be divided into two types, including pure risks and speculative risks. The answer is A.
錯誤
According to the classification of financial results, risks can be divided into two types, including pure risks and speculative risks. The answer is A.
提示
References:1.1.2
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102/262問題
102. 問題
1 分QID87:Which of the following is a “speculative risk” but not a “pure risk”?
正確
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is D.
錯誤
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is D.
提示
References:1.1.2
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103/262問題
103. 問題
1 分QID79:There is a type of risk which is very likely to be uninsurable. Which of the following is that kind of risk?
正確
Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially. The answer is C.
錯誤
Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially. The answer is C.
提示
References:1.1.2
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104/262問題
104. 問題
1 分QID88:Which of the following is not a pure risk?
正確
Pure risks offer the potential of loss only (no gain), or, at best, no change. Such risks include fire, accident and other undesirable happenings. The answer is B.
錯誤
Pure risks offer the potential of loss only (no gain), or, at best, no change. Such risks include fire, accident and other undesirable happenings. The answer is B.
提示
References:1.1.2
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105/262問題
105. 問題
1 分QID77:Which of the following is a fundamental risk?
正確
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is B.
錯誤
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is B.
提示
References:1.1.2
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106/262問題
106. 問題
1 分QID76:Which of the following is true about fundamental risks?
正確
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is C.
錯誤
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is C.
提示
References:1.1.2
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107/262問題
107. 問題
1 分QID147:According to the financial results, if risks offer the potential of loss only but no gain, or, at best, no change. For example: fire or car accident. Such risks are:
正確
Pure risks offer the potential of loss only (no gain). The answer is A.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is A.
提示
References:1.1.2
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108/262問題
108. 問題
1 分QID74:Only have the potential of loss but no gain are called:
正確
Pure risks offer the potential of loss only (no gain). The answer is B.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is B.
提示
References:1.1.2
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109/262問題
109. 問題
1 分QID145:Which of the following are “pure risks”?
i. Ship sank
ii. Develop a new oil drilling technology
iii. The building was accidentally destroyed by fire
iv. Plane crash正確
Pure risks offer the potential of loss only (no gain). The answer is C.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is C.
提示
References:1.1.2
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110/262問題
110. 問題
1 分QID15:Which of the following is incorrect in terms of the meaning of risk?
正確
The majority of the risks which are insured by commercial insurers are pure risks, and speculative risks are not normally insurable. The answer is B.
錯誤
The majority of the risks which are insured by commercial insurers are pure risks, and speculative risks are not normally insurable. The answer is B.
提示
References:1.1.2
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111/262問題
111. 問題
1 分QID80:Based on their effect, risks can be classified into two types, including particular risks and:
正確
Based on their effect, risks can be classified into two types, including particular risks and fundamental risks. The answer is B.
錯誤
Based on their effect, risks can be classified into two types, including particular risks and fundamental risks. The answer is B.
提示
References:1.1.2
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112/262問題
112. 問題
1 分QID96:There is a type of risks that may have a very large and wide effect. Such risks are called:
正確
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is D.
錯誤
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is D.
提示
References:1.1.2
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113/262問題
113. 問題
1 分QID104:If risks classified according to the effect, in addition to fundamental risks, the other are:
正確
If risks classified according to the effect, in addition to fundamental risks, the other are particular risks. The answer is C.
錯誤
If risks classified according to the effect, in addition to fundamental risks, the other are particular risks. The answer is C.
提示
References:1.1.2
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114/262問題
114. 問題
1 分QID103:Which of the following are “pure risks”?
i. Ship sank
ii. Weapon development
iii. The building was accidentally destroyed by fire
iv. Plane crash正確
Pure risks offer the potential of loss only (no gain). The answer is C.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is C.
提示
References:1.1.2
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115/262問題
115. 問題
1 分QID102:Which of the following is/are the fundamental risk(s)?
i. War
ii. Famine
iii. Traffic accident正確
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is C.
錯誤
The causes of fundamental risks are outside the control of any one individual or even a group of individual, and their outcome affects large numbers of people. Such risks include famine, war, terrorist attack, widespread flood and other disasters. The answer is C.
提示
References:1.1.2
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116/262問題
116. 問題
1 分QID101:We may classify risk under two broad headings, including financial results and which of the following?
正確
We may classify risk under two broad headings according to:
(a) its potential financial results
(b) its cause and effectThe answer is B.
錯誤
We may classify risk under two broad headings according to:
(a) its potential financial results
(b) its cause and effectThe answer is B.
提示
References:1.1.2
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117/262問題
117. 問題
1 分QID100:Which of the following is most likely to be uninsurable in terms of degree of insurability?
正確
Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially. The answer is C.
錯誤
Fundamental risks are not normally insurable because it is considered financially infeasible for insurers to handle them commercially. The answer is C.
提示
References:1.1.2
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118/262問題
118. 問題
1 分QID99:Which of the following is true about “pure risks”?
正確
The majority of the risks which are insured by commercial insurers are pure risks, and speculative risks are not normally insurable. The answer is C.
錯誤
The majority of the risks which are insured by commercial insurers are pure risks, and speculative risks are not normally insurable. The answer is C.
提示
References:1.1.2
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119/262問題
119. 問題
1 分QID86:Which of the following is a “speculative risk” but not a “pure risk”?
正確
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is D.
錯誤
Speculative risks offer the potential of gain or loss. Such risks include gambling, business ventures and entrepreneurial activities. The answer is D.
提示
References:1.1.2
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120/262問題
120. 問題
1 分QID97:After risks become facts, according to the actual scope of effect, what can the risks be classified into?
正確
According to the actual scope of effect, risks can be considered as being either particular or fundamental. The answer is B.
錯誤
According to the actual scope of effect, risks can be considered as being either particular or fundamental. The answer is B.
提示
References:1.1.2
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121/262問題
121. 問題
1 分QID105:Links between risk and insurance:
正確
(ii) Sometimes the insured is also responsible for the loss, such as the deductible;
(iii) There are other ways (risk management), such as risk avoidance;
(iv) Not all risk are insurable, such as emotional risksThe answer is A.
錯誤
(ii) Sometimes the insured is also responsible for the loss, such as the deductible;
(iii) There are other ways (risk management), such as risk avoidance;
(iv) Not all risk are insurable, such as emotional risksThe answer is A.
提示
References:1.1.2
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122/262問題
122. 問題
1 分QID95:Which of the following is a particular risk?
正確
Particular risks have relatively limited consequences, and affect an individual or a fairly small number of people. Such risks include motor accidents, personal injuries and the like. The answer is B.
錯誤
Particular risks have relatively limited consequences, and affect an individual or a fairly small number of people. Such risks include motor accidents, personal injuries and the like. The answer is B.
提示
References:1.1.2
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123/262問題
123. 問題
1 分QID94:Which of the following is a “pure risk”?
正確
Pure risks offer the potential of loss only (no gain). The answer is C.
錯誤
Pure risks offer the potential of loss only (no gain). The answer is C.
提示
References:1.1.2
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124/262問題
124. 問題
1 分QID93:Which of the following can be described as a “speculative risk”?
i. Fluctuations in the hang Seng index
ii. Introducing a new form of savings life insurance
iii. Casino loss caused by fire
iv. A horse racing result at Sha Tin Racecourse