Property insurance protects the property holder against
Select one: a. nondirect losses only b. direct loss only c. nondirect losses and indirect losses. d. direct losses and indirect losses.
Which of the following securities have potentially the highest risk level, and also have the highest potential return?
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a. Derivatives securitiesb. Common stocksc. Commercial paperd. Bonds
When using the needs analysis approach to measure the need for life insurance, one should
Select one: a. set the level of future income needs at roughly equal to 3 times current earnings. b. project future income needs and other benefits at a reasonable inflation rate. c. assume savings available at the time of death will be adequate to create an emergency fund. d. ignore possible changes in lifestyle following the death of the bread winner.
The “Human Life Value” of S. S. Huebner defines the insurable value of an individual as
Select one: a. the amount his family would need if he should die. b. the discounted value of future earnings, minus that portion of such income that the individual would consume personally. c. 10 times his annual after tax income. d. total future wages that he is expected to earn.
The risk of income loss resulting from premature death
Select one: a. may or may not exist for a particular life, depending on the circumstances. b. is universal, since death is inevitable. c. has approximately the same probability as the risk from superannuation. d. is more important than the risk of disability, since the probability of loss is higher
The proximate cause of loss is
Select one: a. the first peril in a chain of events resulting in loss b. a loss that occurs in close proximity to an insured c. a loss from risks that are catastrophic in nature d. the last peril in a chain of events resulting in loss
Which of the following does not fall into one of the broad categories of insurable risk?
Select one: a. Loss of property due to fire b. Liability for loss resulting from negligent use of the property c. Financial loss, particularly inability to make mortgage payments, as a result of death of the wage earner d. Financial losses at a gambling table in a casino
An insured direct cost of an accident in the workplace could be……….
Select one: a. The absence of employess due to accident b. Any increases in insurance premiums resulting from the accident c. First and provision and safety trainings d. Product or process liability claims
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