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What is the effect of perils and hazards on insurance rates for the underwriter?
A. The rate is calculated by multiplying the premium by the amount insured for each peril
B. An underwriter may increase the rate if the insured event is likely to increase the hazard
C. The rate is determined by the law of large numbers for the hazards listed on the policy
D. An underwriter may use a higher rate if a hazard increases the likelihood of a loss by an insured peril
正解：D
解説：
Hazards are conditions thatincrease the likelihood or severity of a losscaused by an insured peril.
Underwriters assess hazards (physical, moral, and morale hazards) to determine whether a risk is acceptable and at what price.
If hazards make an insured perilmore likely to occur, the underwriter willincrease the rateto reflect higher expected losses. This aligns exactly with option C.
Option A is close but incorrectly states "insured event," not "insured peril," and is less precise.
Option B misinterprets the law of large numbers; it applies to loss predictability, not hazard listing.
Option D misunderstands rating-rates are not calculated by multiplying premium by insured value.
Thus, the correct statement isC.
質問 # 63
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. $100,000
B. $5,000
C. $2,500
D. $10,000
正解：B
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 # 64
What is binding authority?
A. Permission to confirm coverage before submitting it to the insurer
B. Equivalent to an insurers cover note
C. Agreement between an insurer and an insured regarding reinsurance
D. List of clients who the broker can contact for coverage
正解：A
解説：
Binding authority is the authority an insurer grants to a broker or agent, allowing the intermediary to bind coverage on the insurer's behalf before the insurer has formally reviewed the application. When an intermediary has binding authority, they can confirm that coverage is in force immediately, subject to the terms granted by the insurer. This is crucial for situations requiring quick coverage, such as real estate closings, automobile purchases, or commercial contract deadlines.
Option A is incorrect because a cover note is thedocumentissued after binding coverage-not the binding authority itself. Option B is incorrect because binding authority has nothing to do with permission to contact clients. Option D is completely unrelated, as reinsurance agreements occur between insurers, not insureds.
Therefore, the correct description of binding authority is permission granted to an intermediary to bind coverage on behalf of the insurer, which is option C.
質問 # 65
What type of wording is written on a custom basis for a specific situation?
A. Manuscript
B. Standard
C. Treaty
D. Chattel
正解：A
解説：
Amanuscript wordingis a policy or endorsement crafted specifically for an individual client or an unusual risk exposure. It iscustom-writtenand negotiated between the insurer and the insured (or their broker). These wordings are used when standard forms do not adequately describe or protect a particular exposure, usually for large commercial clients, unique operations, or highly specialized risks.
Option A refers tostandardwordings, which are pre-written, commonly used forms approved by insurers or industry bodies.
Option B (chattel) refers to movable personal property, not policy wording.
Option C (treaty) refers to reinsurance agreements between insurers and reinsurers, not client-facing policy forms.
Therefore, the only option describing a custom-written policy wording isD: Manuscript.
質問 # 66
Huronial Insurance Company submitted incorporation documents and received approval to sell personal-lines property and automobile policies. Which document will the Office of the Superintendent of Financial Institutions (OSFI) issue?
A. Insurer establishment document
B. Order of commencement
C. Insurer of record
D. National insurance notice
正解：B
解説：
To operate as a federally regulated insurance company in Canada, an insurer must receive authorization from OSFI after meeting all incorporation and capital requirements. Once OSFI is satisfied that the insurer has complied with statutory conditions, it issues an Order to Commence and Carry On Business-commonly referred to as an order of commencement. This document grants the insurer the legal authority to start underwriting and selling insurance in Canada.
Option A is not an official document under Canadian insurance regulation. Option C does not exist in federal insurance legislation. Option D is incorrect because the establishment of an insurer is handled through incorporation documents, not a post-approval "establishment" certificate.
Therefore, the correct OSFI authorization document is B: Order of commencement.
質問 # 67
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