Insurance test answers

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Text control work on the subject of "insurance", the number of questions - 150. The final score 5
Task 1.
Question 1. What insurance is the most primitive form?
1. Commercial;
2. Natural;
3. Property;
4. Personal;
5. Voluntary.
Question 2. What is the medieval insurance?
1. Fraternal;
2. manufactory;
3. Guild-shops;
4. workshops;
5. Professional.
Question 3. The medieval insurance differed from the ancient?
1. The presence of property insurance;
2. Availability of the insurance fund;
3. Lack of insurance premiums;
4. The great breadth of insurance coverage;
5. All of the above.
Question 4: What is the difference between the joint-stock insurance companies and state insurance?
1. Insurance companies carry out only non-life insurance;
2. Gosstrakh along with voluntary applies compulsory insurance;
3. Joint-stock insurance company only carried out compulsory insurance;
4. Insurance companies carry only private insurance;
5. There is no difference between them.
Question 5. What kind of insurance is carried insurance companies in Russia?
1. Liability insurance, pet insurance;
2. Property insurance, motor insurance risks;
3. Insurance of commercial operations, insurance default on contracts;
4. Insurance risks of loan default insurance of citizens;
5. All of the above.
Task 2.
Question 1: What are the signs determined the specificity of the insurance protection?
1. The term damage in kind or cash;
2. The random nature of the occurrence of a natural disaster or other manifestation of the destructive forces of nature;
3. Implementation of measures to prevent and overcome the consequences of a specific event;
4. The objective need for reparation;
5. All of the above.
Question 2. What is the insured event?
1. The obligation of the insurer to pay the sum insured or the insurance indemnity;
2. The set of redistributive relations over the counter or damages caused by the specific object of insurance;
3. The likelihood of damage to life, health and property of the insured as a result of the insured event;
4. The level of insurance valuation in relation to the value of the property accepted for insurance purposes;
5. Potentially possible damage to the insurance object.
Question 3. In which cases is not paid the insurance indemnity?
1. Natural causes of the death of subjects;
2. intent or gross negligence of the insured;
3. Defects in the property, which were known to the insurer;
4. Spontaneous combustion, fermentation, rotting, aging, corrosion of items;
5. All of the above.
Question 4. In some cases, the insurance company does not accept household property insurance? (Note the extra)
1. Housing is not provided properly supervised;
2. The property, located on the storage or processing of the commission;
3. The property is in common corridors, stairwells;
4. The property is in disrepair;
5. The property is situated on balconies and loggias of residential buildings.
Question 5. What are the mechanisms of insurance?
1. Effect of probabilities;
2. The effect of accumulation;
3. Effect of rare events;
4. The contents of paragraphs 2, 3;
5. The contents of paragraphs 1 and 2.
Task 3.
Question 1. Which of the following equations is true?
1. S (p1 + vp2 + v2p3 + ...)> S;
2. P1-P2-P3 ... = 1;
3. v = 1 / (1-i / 100);
4. p1 + vp2 + v2p3 + ... <1;
5. T0 = R / dR.
Question 2. What is the material embodiment of the economic category of insurance coverage?
1. The sum insured;
2. Insurance Fund;
3. Insurance risk;
4. The insurance indemnity;
5. Insurance rate.
Question 3. What is the sum insured?
1. This payment, which is paid by the insured to the insurer to create an insurance fund and the payment of the insurer for the insurance;
2. This ratio RMS

Additional information

Question 4: What are the components of a gross rate?
1. The expectation of payments and net-rate;
2. Average payment and delivery;
3. The sum insured and the load;
4. Net interest and the load;
5. The risk of net interest and payment.
Question 5. Which of the following equations is not true?
1. T = T0 / (1-f);
2. Kr = SB / Nstr;
3. R \u200b\u200b= 100qKr;
5. T0 = R + dR.
Task 4.
Question 1. What is the risk premium?
1. To increase the wage rate;
2. To align insurance premiums for insurance of the property;
3. It provides a certain guarantee of security of insurance operations;
4. It corresponds to the expected, the average insurance payments;
5. In calculating the amount of the insurance payment in the prescribed amount of the insurance.
Question 2. What is the size of insurance payments under the 2nd disability group?
1. 80% Sstr;
2. 60% Sstr;
3. 50% Sstr;
4. 100% Sstr;
5. 40% Sstr
Question 3. What is the insurance fund?
1. This means withdrawn from the national income and gross national product;
2. This is the maximum amount of payments for damages from insurance events;
3. This is the size of insurance payments;
4. The profit of the insurance company;
5. The size of the loss to the insurance company as a result of the damage is covered by insurance.
Question 4: What is the purpose of centralized insurance fund?
1. The organization of centralized payments of the insured event;
2. It implemented the collective and individual interests of its members;
3. It makes it possible to overcome the temporary difficulties in the manufacturing process;
4. Indemnification and elimination of consequences of natural disasters and major accidents, which caused major damage and great loss of life;
5. The redistribution of funds, which ultimately leads to greater maneuverability and turnover.
Question 5: Who is the insurer?
1. A legal person and capable person to make payments under the insurance contract;
2. The natural or legal person in whose favor a contract of insurance;
3. Legal or natural persons conducting all financial calculations for insurance;
4. Legal entity of any property that has undertaken the obligation to form an insurance fund and manage it;
5. A legal person and capable person who enters into an insurance contract with the insurer in their favor or in favor of third parties and participating in the formation of their own means of insurance fund.
Task 5.
Question 1: What are the actuarial calculations?
1. The set of mandatory rules of conduct of the insured and the insurer, established or authorized by the State;
2. It is the totality of economic and mathematical methods for calculating the necessary and sufficient resources of the insurance fund of the insurer;
3. The general principle whereby the quantitative regularities inherent in mass public events, clearly visible only in a sufficiently large number of observations;
4. With their help calculating means withdrawn from the national income and gross national product;
5. Most multifactorial dynamic system consisting of constantly interacting and interdependent parts of insurance.
Question 2. How do you calculate the standard deviation of the total payout?
1. NqSvyp + m (g)? S.vyp;
2. Sv2Kv2;
3. SB / Sstr;
5. M (X2) - (MX) 2.
Question 3. What is required discounting factor?
1. To calculate the payment, which is paid by the insured to the insurer to create an insurance fund and payment of the insurer for the insurance;
2. To the expectation of payment was equal to the standard deviation of payments;
3. It can lead to a single point in time monies received or expended at different times;
4. In order that total payments have normal distribution;
5. Only


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