Insurance 保险学 课后答案 英文版.pdf

该【Insurance 保险学 课后答案 英文版 】是由【青山代下】上传分享，文档一共【7】页，该文档可以免费在线阅读，需要了解更多关于【Insurance 保险学 课后答案 英文版 】的内容，可以使用淘豆网的站内搜索功能，选择自己适合的文档，以下文字是截取该文章内的部分文字，如需要获得完整电子版，请下载此文档到您的设备，方便您编辑和打印。CHAPTER1/RISKINOURSOCIETYKEYCONCEPTSANDTERMSFundamentalrisk:::Asthenumberofexposureunitsincrease,:::::::?’,,hazard,physicalhazard,moralhazard,moralehazard,::::::First,,,societymaybenefitfromaurs,:.(P5)ThemajortypesofpureriskthatcancreategreatfinancialinsecurityincludePersonalrisks,propertyrisks,.(P9),.(1)Shouldretentionbeusedinthosesituationswherebothlossfrequencyandlossseverityarehigh?Explainyouranswer.(P11)(2)Explainwhylosscontrolisahighlydesirablemethodforhandlingrisk.(P10).(P3)CHAPTER2/INSURANCEANDRISKKEYCONCEPTSANDTERMSAdverseselection:Adverseselectionisthetendencyofpersonswithahigher-than-averagechanceoflosstoseekinsuranceatstandard(average)rates,whichifnotcontrolledbyunderwriting,resultsinhigher-than-:::Insuranceisthepoolingoffortuitouslossesbytransferofsuchriskstoinsurers,whoagreetoindemnifyinsuredsforsuchlosses,toprovideotherpecuniarybenefitsontheiroccurrence,:thelawoflargenumbersstatesthatthegreaterthenumberofexposures,:.(P16).(P17).(P18),.(P18)pareandcontrastautomobilecollisionsandwarintermsofhowwelltheymeettherequirementsofaninsurablerisk.(p18)“Thelawoflargenumbersformsthebasisofinsurance.”Doyouagreeordisagreewiththisstatement?(实际现金价值):Actualcashvalueisdefinedasreplacementcostlessdepreciation.(重置成本—折旧)Aleatorycontract(射幸合同):(等价交易合同):(条件合同):Conditionsareprovisionsinsertedinthepolicythatqualifyorplacelimitationsontheinsurer’(对价):’sconsiderationispaymentofthefirstpremium(orapromisetopaythefirstpremium)’(符合性合同):epttheentirecontract,(重要事实):Materialmeansthatiftheinsurerknewthetruefacts,thepolicywouldnothavebeenissued,(要约和承诺):,theapplicantforinsurancemakestheoffer,:Theprincipleofindemnitystatesthattheactualamountoftheloss;stateddifferently,(最大诚信原则):(代位追偿):(单务合同):(定值保险单):(弃权):?(P30)?Whyisaninsurableinterestrequiredineveryinsurancecontract?(P32)?(P34-P35),concealment,andwarrantysupporttheprincipleofutmostgoodfaith?(P36-P37).(P37-P39)CHAPTER6/ANALYSISOFINSURANCECONTRACTSKEYCONCEPTSANDTERMSAggregatedeductible(总额免赔):mercialpropertyinsurance,bywhichallcoveredlossesduringtheyearareaddedtogetheruntiltheyreachacertainlevel.“Allrisk”policy(一切险保险单):(共保条款):,(免赔额):(waiting)period(剔除/等待期)::Inpropertyandliabilityinsurance,anendorsementisawrittenprovisionthataddsto,,(除外责任)::excludedperils,excludedlosses,(承保协议):,inotherwords,agreetodocertainthings,suchaspayinglossesfrominsuredperils,providingcertainservices,-lossprinciple(大损失原则):Theconceptofusinginsurancepremiumstopayforlargelossesratherthanforsmalllossesisoftencalledthelarge--perilspolicy(制定风险保单):(比例责任条款):Eachinsurer’(绝对免赔额):Withastraightdeductible,.(P45)?(P46)?(P47-P48)?Ifanendorsementconflictswithapolicyprovision,howistheproblemresolved?(P48)?mondeductiblesthatarefoundininsurancecontracts.(P49-P50)CHAPTER7/THELIABILITYRISKKEYCONCEPTSANDTERMSAbsolute(strict)liability(绝对责任):(比较过失法则):parativenegligencelaw,ifboththeplaintiff(injuredperson)andthedefendantcontributetotheplaintiff’sinjury,(共有过失):Contributorynegligencemeansthatiftheinjuredperson’sconductfallsbelowthestandardofcarerequiredforhisorherprotection,andsuchconductcontributedtotheinjury,(疏忽归咎):Imputednegligencemeansthatundercertainconditions,(最后机会原则):(疏忽):(近因原因):Aproximatecauseisacauseunbrokenbyanynewandindependentcause,(惩罚赔偿金):(侵权):.(P57).(P57-P58).(P59).(P59)CHAPTER8/HOMEOWNERSINSURANCEKEYCONCEPTSANDTERMSAppraisalclause(估价条款):Theappraisalclauseisusedwhentheinsuredandinsureragreethatthelossiscovered,(公平的租用价值):(抵押条款):Themortgageclauseisdesignedtoprotectthemortgagee’?(P75-P81)?(P87左).(P90)CHAPTER16/FUNDAMENTALSOFLIFEINSURANCEKEYCONCEPTSANDTERMSLegalreserve(法定准备金):umulatingthefundisregulatedbystatelaw,-premiummethod(均衡保费方法):Underthelevel-premiummethod,premiumsdonotincreasefromyeartoyearbutremainlevelthroughoutthepremiumpayingperiod,(净风险额):(过早死亡):Prematuredeathcanbedefinedasthedeathofafamilyheadwithoutstandingunfulfilledfinancialobligations,suchasdependentstosupport,childrentoeducate,