素晴らしいC11｜効率的なC11出題範囲試験｜試験の準備方法Principles and Practice of Insurance合格体験記ほかの人はあちこちIICのC11試験の資料を探しているとき、あなたは問題集の勉強を始めました。準備の段階であなたはリーダーしています。我々JPNTestの提供するIICのC11試験のソフトは豊富な試験に関する資源を含めてあなたに最も真実のIICのC11試験環境で体験させます。 IIC Principles and Practice of Insurance 認定 C11 試験問題 (Q94-Q99):質問 # 94
Original Insurance Company terminated its broker agreement with TOY Insurance Brokers. Which situation likely resulted in this termination?
A. TOY Insurance Brokers did not remit commissions owed to the insurer
B. TOY Insurance Brokers did not keep premiums in a trust account and used them to pay expenses
C. Original Insurance Company provided quotes on all broker applications
D. Original Insurance Company did not set service standards
正解：B
解説：
Brokers hold client premiums in trust accounts, separate from operating funds. This is a legal requirement under provincial insurance legislation. Trust funds belong to insurers (or insureds) until properly remitted. If TOY Insurance Brokers used trust funds to pay their own expenses, they violated both fiduciary duty and regulatory obligations. This constitutes serious professional misconduct and is one of the most common and serious reasons for immediate termination of a broker contract-often accompanied by regulatory investigation or license suspension.
Option A would not justify termination because service standards should be defined by the insurer, not the broker. Option B reflects good insurer practice and is unrelated to termination. Option C is incorrect because brokers do not remit commissions to insurers-insurers pay commissions to brokers.
Therefore, the only correct answer is D: failure to maintain premiums in a trust account.
質問 # 95
What is a cover note?
A. Purchase agreement between the agent or broker and the insurer
B. File notes confirming insurance discussions between the intermediary and the insured
C. Document issued by intermediaries to inform the insured that coverage has been arranged
D. An amendment added to a written document that alters its provisions
正解：C
解説：
A cover note is a temporary document issued by a broker or agent to confirm that insurance coverage has been arranged and is in force, pending the issuance of the formal policy. It is typically used when immediate proof of insurance is required before the insurer can produce the finalized policy wording. Cover notes outline essential information such as the insured's name, type of coverage, limits, and effective dates.
Option A is incorrect because a cover note is not a contract between insurer and broker. Option B describes an endorsement, not a cover note. Option C refers to internal file documentation but does not serve as official proof of insurance.
Thus, the correct definition is option D: a document issued to the insured confirming that temporary coverage is effective until the formal policy is issued.
質問 # 96
Deanna owns a house worth $1,000,000 but chooses to insure it for $500,000. What clause might prevent her from being fully reimbursed in the event of a loss?
A. Subscription
B. Contribution
C. Coinsurance
D. Forfeiture
正解：C
解説：
The coinsurance clause requires the insured to carry insurance equal to a specified percentage (commonly
80%, 90%, or 100%) of the property's value. If the insured carries less than the required amount, they become a coinsurer and share in any partial loss. This prevents underinsurance and encourages insureds to maintain adequate coverage levels.
Here, Deanna insures a $1,000,000 property for only $500,000-50%. If the policy requires 80% coinsurance, she should be carrying at least $800,000. Because she does not, she will not be fully reimbursed for partial losses; her payment will be reduced proportionally based on the coinsurance formula.
Option A (forfeiture) applies to breaches of policy conditions. Option C (contribution) applies when multiple insurers cover the same risk. Option D (subscription) applies when several insurers share a single risk by percentage participation.
Thus, the clause that could reduce Deanna's recovery is B: Coinsurance.
質問 # 97
If one in every five houses suffers a $50,000 loss each year, and all houses have the same value, what would the pure premium be for each homeowner?
A. $5,000
B. $2,500
C. $10,000
D. $100,000
正解：A
解説：
Thepure premiumrepresents theexpected loss costper exposure unit. It is calculated as:
Pure Premium=Probability of Loss×Severity of Loss ext{Pure Premium} = ext{Probability of Loss} imes
ext{Severity of Loss}Pure Premium=Probability of Loss×Severity of Loss Here:
Probability of loss = 1 in 5 homes =0.20
Severity (loss amount) =$50,000
0.20×50,000=10,0000.20 imes 50,000 = 10,0000.20×50,000=10,000
But here is the key detail: one loss of $50,000 spread overfive homesmeans:
50,0005=10,000 rac{50,000}{5} = 10,000550,000=10,000
But the answer choices do not include $10,000 except option C, yet the correct pure premium per homeownerwith equal distribution per yearequals:
$10,000 per home per year
Thus the correct answer isC: $10,000.
質問 # 98
A company suffers a $100,000 property loss at its commercial location. If Insurer X and Insurer Y have policies subject to the same terms and conditions, and there is no deductible, what will each insurer pay based on the information below?
Insurer X insured amount: $400,000
Insurer Y insured amount: $100,000
A. Insurer X pays $50,000; Insurer Y pays $50,000
B. Insurer X pays $80,000; Insurer Y pays $20,000
C. Insurer X pays $0; Insurer Y pays $100,000
D. Insurer X pays $100,000; Insurer Y pays $0
正解：B
解説：
When more than one insurer covers the same property under policies with identical terms, the loss is often shared according to the proportion of insurance each company provides. This is commonly referred to as contribution "pro rata by limits." First, determine the total amount of insurance:
Insurer X: $400,000
Insurer Y: $100,000
Total insurance: $500,000
Next, determine each insurer's percentage of the total:
Insurer X: 400,000 ÷ 500,000 = 80%
Insurer Y: 100,000 ÷ 500,000 = 20%
The total loss is $100,000, so each insurer pays its proportion of the loss:
Insurer X: 80% × $100,000 = $80,000
Insurer Y: 20% × $100,000 = $20,000
There is no deductible to adjust these amounts. Thus, Insurer X pays $80,000 and Insurer Y pays $20,000, making Option C correct.
