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1、Picip ofRiskManagemntanInurce, 1e（Re)Chapte 8 Govenmnt RegulaionofInsurace) Reson frlti of nsurance includ whic of the followin?I.Maintanng isuersvn.IIEnsurng easonble rates.）I nly) IonlyC)both I nd ID)nither nor IIswer: CQuesnStus: PreviousEdiio) Therghtof th sates regulate h bsines of insurne was
2、fist stalished by) te SouthEtn dewterAssocition ase.B） Paul v. Virgia.C) thinancial oderizatonAc. D) h Serma At.Answr: BQuesio tus: Previus dition3） The s current tatereguaio of insuance sA) thMCarn-FeusoAct.B) Paul v. Vrgina.C） te South-Eatern Undwriter Associtioncase.D) e NationalAaon of InsurncCm
3、misiners.Anwer: Qsin Stus: evius ition4) Allof tefoling satemnt aoute meho f regultinginsurance ar tue EXCP） l tateae insuanclawsthat rgulaethe oeatins o iuer.B) Inurers are totalyexempt fromreulatn yfederagences andlws.C) The cts regute nsurance in mayways, incuding the errtaton of plicy cluses and
4、povios) Stte ura cmissiors, thrug aministrateulns, have cnsieablepowr ver insurs dong busines inth staes.Anser: BQestionStatus： PreviousEiton5)Which o the foloing satements aboutthelcensing of insurnc cmpaniess (are) true?I. ew caitalstoc isur ms meet minimum capital and surplusrequrmens, wicvy y st
5、e nd ln of sanceI.he licnsg euirtsfor nsuraceompanies eesstrine tn thoe imposdon sohr types o firms.A) onlyB) I o) both I nd II) nether I nr IIAse: AQuionSatus: PreviusEdit6) ninsuranc copay icorporaed another state hasbeen licensed o peraenourta.I youstte, th insreroue coiderea(n)A) nondted insure.
6、B) foegn inurC） aliinsurD） rciprocal inurr.nse: Quetion Status: Preiousditin） A nsrnc company chartered inanor contryhasben licened perat n yur stte. In oustte, t insrerwould beconsidred a（n)A)noadmitted insuer.B) foegn insurer.C) alieninsrer) recirocal suer.Answer: uestSta： rviou ditio8)hih the fol
7、lowinis consiered aonamtsetfran insrer?A) chB） prered toksC) ral estaeD) ffi fiturAwer: DQuestionSatus: Pevios Ediio9） Te olicyholders suplus of n inueri deined as teiferenc beeen i) assts an itslibilties.B） premiumnom anit expensC) eserves and tiablitie) assetsandits nnaditte asets.Answer: AQustion
8、 atus: revious Edtin10)Wc o t olong tatemnts aout the use of ris-basd aptal eqireents s(are)tue?I.ures must have acerta ao of cail peng o he iskis of thi vetment and suanc oerations.IIInsurs ayb reietotake certanation dending nho mch cpitl thyhae relativ t ther ris-aedcpial reuiremt.A)I olB）I nyC） b
9、oth I andIID) nithe I nor Inswer： CQuesion tats: Previousdn11) hih f he olloin sttments abot thereulton of surancecomany invetment is (re) tru？I.T urpse o reulating insuc opninestmentss to event insrers from akingunso ivestents which couldteatn their solency.II.Life inures ca inves n unlmitd amunt o
10、 ther ssin commn stocks.A) I olB） I nlyC）th I anID)neithr Inor IIAser: AQustin Satu: Prevs Eition1)h of tfolowin sttements abthe gulation ofife isuaneomais (ae)rue？I.Te percentageof asset a lifisurnce company ainvesi asecii tye oasst （., stk or ond） gneral limitd by laI.The puros ofliitin theacumuti
11、o of srplus ispvent an inure fom increasn is urls a thxpee fpoliyonr diidnd.A) IonyB)I olyC) oth I an I) either I r IInser： Quston Status: Pevious Edition13) hich of the olloing aemes aboutstae insuranceuaranty fundis(re) true?The lit th amont h policyowners cclletif n insur becms insoent.I.They aruuall ded by ralrvues of thtateA) I olyB) I onlyC) bth and IID) niter noInsw： AestonStatus: PrevosEditio4) Under onype rategultion， nsrers are t equired to filherates wih he state insurace ertment. owvr, insurr maybe rqire tofurniste schedles supportng d to state offial A fndam
