西北大学 ----2007-2008学年第 2学期本科考试出题专用纸
考试科目 / 《保险学原理》 / 总分 / 得分Ⅲ. Application Questions (20 points)
1. “The financial impact of premature death is uniform for all families.”
a. Do you agree or disagree with this statement? Explain your answer.(6)
b. Do single people need life insurance? Explain your answer. (4)
2. If the insured’s age is misstated, can the company refuse to pay the policy proceeds? Explain it. (10)
得分
Ⅳ. Case Application (25 points)
Sharon，age 28, is a single parent who earns $28,000 annually as a secretary at local university, she is the sole support of her son, age 3. Sharon is concerned about the financial well-being of her son is she should die. Although she finds it difficult to save, she would like to start a savings program to send her son to college. She is presently renting apartment but would like to won a home someday. A friend has informed her that life insurance might be useful in her present situation. Sharon knows nothing about life insurance, and the amount of income available for life insurance is limited. Assume you are financial planner who is asked to make recommendations concerning the type of life insurance that Sharon should buy. The following types of life insurance policies are available:
Five-year renewable and convertible term（notes：renewable：可续保的；convertible：可转换的）
Life paid up at age 65
Ordinary life insurance
Universal life insurance
- Which if these policies would best meet the need for protection of Sharon’s son if she should die premature? Explain your answer.
- Which of these policies best meets the need to accumulate a college retirement fund for Sharon’s son? Explain your answer.
- Which of these policies best meets the need to accumulate money for a down payment on a home? Explain your answer.
得分
Ⅰ. Define the following concepts and terms
(20 Points)
1. Risk, Peril and Hazard （6）
2. Moral Hazard ,and Adverse Selection （4）
3. Principle of Insurable Interest, and Principle of Utmost Good Faith （6）
4. Legal Reserve（2）
5. Non-forfeiture Laws (2)
得分
Ⅱ. Give brief answers to the following questions
(35Points)
1. Why is the pooling technique essential to insurance? (7)
2. Explain the law of large numbers and show how the law can be used by an insurance to estimate future loss. (7)
3. Describe the basic parts of an insurance contract. (7)
4. Why do deductibles appear in insurance contracts? Identify some common deductibles that are found in insurance contracts. (7)
5.Who are the persons insured for medical payments coverage under the PAP? (7)
本卷为 / 开 / √ / 闭 / 卷 / 本卷为 / A / √ / B / 卷 / 出题院系 / 金融系 / 出题人 / 刘慧侠 / 出题日期 / 2008年6月28日 / 审批人