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IIBM – Risk Management and Insurance Answer sheet

IIBM – Risk Management and Insurance Answer sheet


Q1. HMOs charge employers a monthly fee called:

  1. A coverage fee
  2. The pro rata plan fee
  3. The subrogation payment
  4. The capitation payment

Q2. Which of the following alternatives is not a typical dividend option?

  1. Cash
  2. A lifetime income annuity
  3. Reduction of the next premium
  4. Accumulation of the next premium

Q3. Choose the True statement about industrial life insurance.

  1. It is less expensive than ordinary life insurance
  2. It is more expensive than ordinary life insurance
  3. It is also called discount life insurance
  4. It is widely used in estate plans

Q4. Replacement cost at the time of loss less depreciation is the definition of:

  1. Actual cash value
  2. Fair market value
  3. The maximum covered loss
  4. The maximum replacement of loss

Q5. Assets that are readily available to pay claims are called:

  1. Admitted assets
  2. Accepted assets
  3. Real assets
  4. Standard operating assets

Q6. Stare demises means:

  1. All things considered
  2. Innocent parties prevail
  3. It is impolite to stare
  4. To stand by decisions

Q7. In most states, the insurance commission is:

  1. Impeached
  2. Elected
  3. Appointed by the government
  4. Appointed by the governor

Q8. The federal law that promotes a safe working environment for workers is:

  1. OSHA
  2. CERCA
  3. Equal Opportunities Act
  4. Superfund

Q9. The organization that collects data on insurance applicants is the:

  1. CBS
  2. MIB
  3. CIA
  4. FCAS

Q10. The percentage of uninsured Americans in 2001 was about:

  1. 14 percent
  2. 2 percent
  3. 4 percent
  4. 10 percent

Part Two:

Q1. What are Moral and Moral hazards?

Q2. What do you understand by ‘Subsidization’?

Q3. What are ‘Waiver’ & ‘Estoppel’?

Q4. Write a short note on the patient’s bill of rights.

Q5 . Do you think that Sparkler Mutual should pay for the loss? Explain your reasons.

Q6. Did the family’s absence affect the chance of loss in this case?

Q7. What arguments would you make if you were planning the legal defense of Total Power and Light Company?

Q8. If you were on the jury in this case, would you award a judgment for damages to Jones? Explain your reasons.

Q9. If you were a large business with $ 10 million of property, would you want your primary insurer to purchase reinsurance? Explain your reasons. Would you prefer to deal with a small primary insurer who reinsured your risk or a large primary insurer who did not purchase reinsurance?

Q10. Do you think a college education is necessary to perform the following occupations effectively?

  1. Life insurance agent
  2. Loss adjuster
  3. Property insurance underwriter
  4. Actuary

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