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保险学Bch23
CHAPTER 23
Functions and Organization of Insurers
True-False
1. Agents help in the underwriting function of most insurers.
ANSWER: T
2. The main objective of underwriting is to reject poor risks.
ANSWER: F
3. Successful underwriting occurs when an insurer has few, if any, losses from a group of exposures it accepts for insurance.
ANSWER: F
4. The conflict between production and underwriting is more apparent than real.
ANSWER: T
5. Associations such as Industrial Risk Insurers are important in underwriting.
ANSWER: T
6. The amount charged per unit of exposure is known as the premium.
ANSWER: F
7. The cost of doing business in insurance is called loading.
ANSWER: T
8. If the pure premium is $100 and the loading is 25 percent, the gross premium would be $133.33.
ANSWER: T
9. Interest earned by insurers on premiums collected in advance is not considered in insurance rate making.
ANSWER: F
10. Legislative supervision of insurers is generally concerned with preventing inadequate rates rather than with preventing excessive rates.
ANSWER: F
11. A manual rate is a rate promulgated for a given class of risks rather than for an individual risk.
ANSWER: T
12. The loss ratio method of rate making is a way to revise rates rather than make rates.
ANSWER: T
13. A discount from a manual rate is called a deviation.
ANSWER: T
14. Merit rating is aimed at adjusting an insurance rate for specific features deemed to affect expected loss experience.
ANSWER: T
15. Experience rating looks to the past lost experience of an insured, but affects the rate to be charged in the future.
ANSWER: T
16. A retrospective rating method affects the premium paid for a past time period.
ANSWER: T
17. Credibility in rate making is used to make insured groups with few exposure units pay their full cost of poor loss experience.
ANSWER: F
18. Failure to investigate a claim promptly is classed as an unfair claim settlement practice.
ANSWER: T
19. Most assets of insurance companies are investe
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