保險(xiǎn)代理人考試模擬題5含答案

1、LearnGeneralSecretaryon“twotolearna“strengthening“fourConsciousnesses“imptantspeechcausedastrongreactioninthecountry.Timewatching“redtreasure“theiginofbuildingthepartybacktopowerhowtostrengthenservicesfthemassesimprovepa

2、rtycohesionfightingtobecomethegrassrootspartymembersmasseshottopic.Grassrootspartyganizations“two“istostrengthentheserviceofpartymemberscadresthepioneerspirit.Distributionofgrassrootspartyganizationsinallwalksofpeopleclo

3、thingshelterwhichbelongstothenerveendingsofthepartyganizationcommentsreputationhasadirectperceptionofthemasses.Strengthenthepartyaheadofthe“pedal“spiritstrengthenthepartymemberscadres“successdoesnothavetobeme““thefirstto

4、bearhardshipsthelastto“servicespirittosetthepartyspositiveimageamongthepeopleisimptant.Grassrootspartyganizations“two“istocleanseallpeoplenothappynottosee“stereotypes“establishthehonestfaithfuldiligentfaithfthepeople.Non

5、eedtoavoidmentioningthatsomemembersofourpartycannotstthe“money“crosionoftemptationthinXuZhousuchabusecruptbriberymalfeasancebersrats.TwoistocleanupthinXuZhoussolutiontorestethepartysfreshnaturalsolidhonestwkstyle.Cleansi

6、ng“takeeatcard“undesirablebehaviour“crosshardcoldpush“attitude.Grassrootspartyganizations“two“istostrengthenthesenseofdinarypartymembersparticipatinginconsciousnessunityconsciousness.Freasonsknownmembersofgrassrootsparty

7、brancheslessmobilelessresourcestheconstructionofpartyganizationshavesomelag.Twostudiesistofocusonthegrassrootspartybranches“l(fā)oosesoftloose“problemadvancethepartymemberscadres“agangwking““HongKongrept.“Strongcleanupaction

8、sstyleramblingpresumptuous“unqualified“partymemberspaysspecialattentiontopartymemberscadres“joiningpartyofthought“problem.“Partybuilding“isobtainedinthelongtermdevelopmentofourpartyshisticalexperienceaccumulated.Twoisour

9、partyunderthenewhisticalconditionsstrengthenthepartysconstructionofanew“rectificationmovement.“Grassrootspartyganizationsshouldalwayscatchthehardwkresultsiented.Twoeducationaloutcomesarelongtermientedbecomeanimptantimpet

10、usfthewk.“Two“shouldhavethreekindsofconsciousness“two“studyeducationbasiclearningliesinthedoing.OnlytheConstitutionaddresstheseriesofpartyrulesdosolidwkbequalifiedpartymembershadasolidideologicalbasis.Onlythe“l(fā)earning““d

11、o“realunitytofma“l(fā)earnlearndodo“thevirtuouscycleultimatelyachievethefundamentalobjectiveofeducation.Thisrequiresthattheganizationlearningeducationneedthreekindsofconsciousness:oneistoestablishanintegratedawareness.“Learn

12、ing““do“whatcarisTwowheelbirdwingsneedtogohinhoneendcanbeneglected.Communisttheeticianman.Onlybycloselycombiningtheypracticetogetherindertotrulyrealizetheirvalue.“Learning“istheFoundationtheFoundationisnotstrongshaking““

13、Isthekeytotothoussofaccounts.“Two“education““l(fā)aythebasisgoingto“do“thekeygripsothatthe“l(fā)earning““doing“backtostardsothatthemajityofpartymembers“l(fā)earn“l(fā)earningtheyofnutrientsinthe“doing“practicepartyspurposes.Secondtoesta

14、blishasenseofdepth.“Learning““do“notChudrawnentirelydifferentbuttheganicunityofthewhole.“Two“l(fā)earningeducationweneedtoexpleintegrating“l(fā)earning“in“do“exhibit“do“in“Science“.Toavoidthe“l(fā)earning“intosimpleroominstruction“d

15、o“intoamonotonefdoing.Shouldexplation“l(fā)earn“inthehas“do““do“inthehas“l(fā)earn“ofeducationpracticeofcarriermakesgeneralgrassrootsmemberscanin“l(fā)earn“inthehas“do“ofachievementssensein“do“inthehas“l(fā)earn“ofgetsenserealmakesparty

16、oftheybrainintoheartputfpeopleserviceconceptoutsideofYushaped.Thirdtoadheretolongtermtheawareness.Styleconstructionontheroadfever“two“hadtocatchthelongterm.“Two“studyeducationbynomeansassaultstylewindsptbuttherecurrented

17、ucationwithintheparty.Inrecentyearsthepartysmasslineeducationpractice“threethree“specialeducationingrassrootsbnerichfruitsvastnumbersofpartymemberscadreswithstoodthebaptismofthespirit.“Two“greaterneedtofocusonlongerholdl

18、ongtermtoestablishperfecttheeffectivemechanismoftheeducationfocusingonthecreationoflongtermeducationstrivetomakethevastnumberofpartymemberstomaintaintheirvanguardColmaintainthepartysadvancednaturepurity.Awarenessraisinga

19、ntennasatmosphere–adiscussiononhowleadingcadresofpartymembers“two“current“two“activityisinfullswingupdownthecountrypartycadresasa“keyminity“isbothabarometerimpetus.The“two“meaningenoughdeepistodeterminethepartycadrescanr

20、esolvetostudyhardfirst.Inthe“two“intheprocesssomecadresofhimselfstinglonghighawarenessthatConstitutionPartyrulesissimpleitsnotwthbotheringsomepartycadresthinkspeakserieshasnothingtodowiththegrassrootswkwaterbusinesslearn

21、ingseriesofspeechesseenaswindowdressing.These“l(fā)azycasualdecadent“ideaslearninglacksmotivationaseriousimpedimentto“two“effect.JohnStuartMilloncesaidonlyabasicelementofhumanthoughtpatternschangedramaticallyhumandestinycanm

22、akegreatimprovement.Thesameonlypartymembers一、選擇題（每題1分，共90分）1.保險(xiǎn)人向投保人收取的保險(xiǎn)費(fèi)，在抵補(bǔ)保險(xiǎn)賠付金額和有關(guān)的營(yíng)業(yè)費(fèi)用后，不應(yīng)該獲得高的營(yíng)業(yè)利潤(rùn)，該保障厘定標(biāo)準(zhǔn)所體現(xiàn)的原則（A）。A.適度性原則B.合理性原則C.公平性原則D.營(yíng)利性原則2.將保險(xiǎn)資金中閑置的部分重新投入到社會(huì)再生產(chǎn)過程中，從而發(fā)揮保險(xiǎn)金融中介的作用，這一作用所體現(xiàn)的保險(xiǎn)功能是（B）。A.保險(xiǎn)保障功能B.資

23、金融通功能C.社會(huì)管理功能D.保險(xiǎn)給付功能3.保險(xiǎn)營(yíng)銷員的展業(yè)證未通過年度審核的，根據(jù)《保險(xiǎn)營(yíng)銷員管理規(guī)定》，其展業(yè)證的處理方式是（B）A.交還當(dāng)?shù)乇１O(jiān)局B.交還保險(xiǎn)行業(yè)協(xié)會(huì)C.交還所屬保險(xiǎn)公司D.交還中國(guó)保險(xiǎn)學(xué)會(huì)4.保險(xiǎn)保障活動(dòng)運(yùn)行中所要求的風(fēng)險(xiǎn)大量性條件，一方面是基于風(fēng)險(xiǎn)分散的技術(shù)要求，另一方面是（D）。A.要求符合監(jiān)管部門的規(guī)定B為了體現(xiàn)經(jīng)營(yíng)的贏利目標(biāo)C為了體現(xiàn)社會(huì)福利政策D概率論和大數(shù)法則原理在保險(xiǎn)經(jīng)營(yíng)中的運(yùn)用5.公安機(jī)關(guān)、交通

24、管理部門應(yīng)依法對(duì)機(jī)動(dòng)車參見機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)的情況實(shí)施監(jiān)督檢查，對(duì)未參加機(jī)動(dòng)車交通事故強(qiáng)制責(zé)任保險(xiǎn)的機(jī)動(dòng)車管理部門（B）A.不得予以登記，機(jī)動(dòng)車銷售機(jī)構(gòu)必須予以收回B.不得予以登記，機(jī)動(dòng)車安全技術(shù)檢驗(yàn)機(jī)構(gòu)不得予以檢驗(yàn)C.必須予以監(jiān)視，機(jī)動(dòng)車銷售機(jī)構(gòu)必須予以收回D.必須予以監(jiān)視，機(jī)動(dòng)車安全技術(shù)檢驗(yàn)機(jī)構(gòu)不得予以檢驗(yàn)6.作為保險(xiǎn)合同法律特征之一的射幸性具體是指（B）A.保險(xiǎn)人必然履行賠付義務(wù)B.保險(xiǎn)人并不必然履行賠付義務(wù)C.投保人繳納

25、保險(xiǎn)費(fèi)，保險(xiǎn)人必須履行賠付義務(wù)D.投保人履行告知義務(wù)，保險(xiǎn)人必須履行賠付義務(wù)7.在保險(xiǎn)實(shí)務(wù)中，財(cái)產(chǎn)保險(xiǎn)合同的主體變更主要是指（D）A.保險(xiǎn)人和投保人的變更B.投保人和受益人的變更C.被保險(xiǎn)人和代理人的變更D.投保人和被保險(xiǎn)人的變更8.保險(xiǎn)合同中，保險(xiǎn)利益的載體是（C）A.保險(xiǎn)利益B.保險(xiǎn)對(duì)象C.保險(xiǎn)標(biāo)的D.保險(xiǎn)價(jià)值9.在按照風(fēng)險(xiǎn)性質(zhì)劃分的風(fēng)險(xiǎn)種類中，只有損失機(jī)會(huì)而無獲利可能的風(fēng)險(xiǎn)稱為（A）A.純粹風(fēng)險(xiǎn)B.投機(jī)風(fēng)險(xiǎn)C.損失風(fēng)險(xiǎn)D.基本風(fēng)險(xiǎn)

26、10.根據(jù)《保險(xiǎn)營(yíng)銷員管理規(guī)定》，保險(xiǎn)營(yíng)銷員在從事保險(xiǎn)營(yíng)銷活動(dòng)過程中每年接受的.經(jīng)中國(guó)保監(jiān)會(huì)認(rèn)可的培訓(xùn)機(jī)構(gòu)組織的專業(yè)培訓(xùn)屬于（A）A.后續(xù)教育B.技能訓(xùn)練C.熟練提高D.崗前培訓(xùn)11.根據(jù)《保險(xiǎn)營(yíng)銷員管理規(guī)定》，保險(xiǎn)營(yíng)銷員從事保險(xiǎn)營(yíng)銷活動(dòng)時(shí)，不得有的行為包括（B）等。A.保險(xiǎn)營(yíng)銷員不與非法從事保險(xiǎn)業(yè)務(wù)的機(jī)構(gòu)或者個(gè)人發(fā)生保險(xiǎn)業(yè)務(wù)往來B.私自印制.偽造.變?cè)?倒買倒賣.隱匿.銷毀保險(xiǎn)單證C.向客戶說明分紅保險(xiǎn)等新型保險(xiǎn)產(chǎn)品的費(fèi)用扣除情況D.

27、向客戶明確說明保險(xiǎn)合同中責(zé)任免除12.投保人向保險(xiǎn)人要約的證明通常是（C）A.保險(xiǎn)單B.保險(xiǎn)憑證C.投保單D.風(fēng)險(xiǎn)調(diào)查表LearnGeneralSecretaryon“twotolearna“strengthening“fourConsciousnesses“imptantspeechcausedastrongreactioninthecountry.Timewatching“redtreasure“theiginofbuildingt

28、hepartybacktopowerhowtostrengthenservicesfthemassesimprovepartycohesionfightingtobecomethegrassrootspartymembersmasseshottopic.Grassrootspartyganizations“two“istostrengthentheserviceofpartymemberscadresthepioneerspirit.D

29、istributionofgrassrootspartyganizationsinallwalksofpeopleclothingshelterwhichbelongstothenerveendingsofthepartyganizationcommentsreputationhasadirectperceptionofthemasses.Strengthenthepartyaheadofthe“pedal“spiritstrength

30、enthepartymemberscadres“successdoesnothavetobeme““thefirsttobearhardshipsthelastto“servicespirittosetthepartyspositiveimageamongthepeopleisimptant.Grassrootspartyganizations“two“istocleanseallpeoplenothappynottosee“stere

31、otypes“establishthehonestfaithfuldiligentfaithfthepeople.Noneedtoavoidmentioningthatsomemembersofourpartycannotstthe“money“crosionoftemptationthinXuZhousuchabusecruptbriberymalfeasancebersrats.TwoistocleanupthinXuZhousso

32、lutiontorestethepartysfreshnaturalsolidhonestwkstyle.Cleansing“takeeatcard“undesirablebehaviour“crosshardcoldpush“attitude.Grassrootspartyganizations“two“istostrengthenthesenseofdinarypartymembersparticipatinginconscious

33、nessunityconsciousness.Freasonsknownmembersofgrassrootspartybrancheslessmobilelessresourcestheconstructionofpartyganizationshavesomelag.Twostudiesistofocusonthegrassrootspartybranches“l(fā)oosesoftloose“problemadvancethepart

34、ymemberscadres“agangwking““HongKongrept.“Strongcleanupactionsstyleramblingpresumptuous“unqualified“partymemberspaysspecialattentiontopartymemberscadres“joiningpartyofthought“problem.“Partybuilding“isobtainedinthelongterm

35、developmentofourpartyshisticalexperienceaccumulated.Twoisourpartyunderthenewhisticalconditionsstrengthenthepartysconstructionofanew“rectificationmovement.“Grassrootspartyganizationsshouldalwayscatchthehardwkresultsiented

36、.Twoeducationaloutcomesarelongtermientedbecomeanimptantimpetusfthewk.“Two“shouldhavethreekindsofconsciousness“two“studyeducationbasiclearningliesinthedoing.OnlytheConstitutionaddresstheseriesofpartyrulesdosolidwkbequalif

37、iedpartymembershadasolidideologicalbasis.Onlythe“l(fā)earning““do“realunitytofma“l(fā)earnlearndodo“thevirtuouscycleultimatelyachievethefundamentalobjectiveofeducation.Thisrequiresthattheganizationlearningeducationneedthreekinds

38、ofconsciousness:oneistoestablishanintegratedawareness.“Learning““do“whatcarisTwowheelbirdwingsneedtogohinhoneendcanbeneglected.Communisttheeticianman.Onlybycloselycombiningtheypracticetogetherindertotrulyrealizetheirvalu

39、e.“Learning“istheFoundationtheFoundationisnotstrongshaking““Isthekeytotothoussofaccounts.“Two“education““l(fā)aythebasisgoingto“do“thekeygripsothatthe“l(fā)earning““doing“backtostardsothatthemajityofpartymembers“l(fā)earn“l(fā)earningth

40、eyofnutrientsinthe“doing“practicepartyspurposes.Secondtoestablishasenseofdepth.“Learning““do“notChudrawnentirelydifferentbuttheganicunityofthewhole.“Two“l(fā)earningeducationweneedtoexpleintegrating“l(fā)earning“in“do“exhibit“do

41、“in“Science“.Toavoidthe“l(fā)earning“intosimpleroominstruction“do“intoamonotonefdoing.Shouldexplation“l(fā)earn“inthehas“do““do“inthehas“l(fā)earn“ofeducationpracticeofcarriermakesgeneralgrassrootsmemberscanin“l(fā)earn“inthehas“do“ofac

42、hievementssensein“do“inthehas“l(fā)earn“ofgetsenserealmakespartyoftheybrainintoheartputfpeopleserviceconceptoutsideofYushaped.Thirdtoadheretolongtermtheawareness.Styleconstructionontheroadfever“two“hadtocatchthelongterm.“Two

43、“studyeducationbynomeansassaultstylewindsptbuttherecurrenteducationwithintheparty.Inrecentyearsthepartysmasslineeducationpractice“threethree“specialeducationingrassrootsbnerichfruitsvastnumbersofpartymemberscadreswithsto

44、odthebaptismofthespirit.“Two“greaterneedtofocusonlongerholdlongtermtoestablishperfecttheeffectivemechanismoftheeducationfocusingonthecreationoflongtermeducationstrivetomakethevastnumberofpartymemberstomaintaintheirvangua

45、rdColmaintainthepartysadvancednaturepurity.Awarenessraisingantennasatmosphere–adiscussiononhowleadingcadresofpartymembers“two“current“two“activityisinfullswingupdownthecountrypartycadresasa“keyminity“isbothabarometerimpe

46、tus.The“two“meaningenoughdeepistodeterminethepartycadrescanresolvetostudyhardfirst.Inthe“two“intheprocesssomecadresofhimselfstinglonghighawarenessthatConstitutionPartyrulesissimpleitsnotwthbotheringsomepartycadresthinksp

47、eakserieshasnothingtodowiththegrassrootswkwaterbusinesslearningseriesofspeechesseenaswindowdressing.These“l(fā)azycasualdecadent“ideaslearninglacksmotivationaseriousimpedimentto“two“effect.JohnStuartMilloncesaidonlyabasicele

48、mentofhumanthoughtpatternschangedramaticallyhumandestinycanmakegreatimprovement.ThesameonlypartymembersA.訂立保險(xiǎn)合同時(shí)B.被保險(xiǎn)人告知時(shí)C.出具保險(xiǎn)批單時(shí)D.發(fā)生保險(xiǎn)事故時(shí)28.物上代位權(quán)的取得一般是通過委付實(shí)現(xiàn)的。委付針對(duì)的保險(xiǎn)標(biāo)的損失狀態(tài)是（C）A.部分損失B.足額全損C.推定全損D.推定超額損失29.當(dāng)保險(xiǎn)標(biāo)的因遭受保險(xiǎn)事故而

49、發(fā)生全損或推定全損，保險(xiǎn)人在支付保險(xiǎn)賠償金后代位取得的權(quán)利是（D）A.對(duì)受損保險(xiǎn)標(biāo)的的義務(wù)B.被保險(xiǎn)人的所有權(quán)利C.被保險(xiǎn)人的所有權(quán)利和義務(wù)D.對(duì)受損保險(xiǎn)標(biāo)的的所有權(quán)30.戰(zhàn)爭(zhēng)中敵機(jī)投彈引起火災(zāi)，給投保財(cái)產(chǎn)險(xiǎn)的被保險(xiǎn)人造成財(cái)產(chǎn)損失，如果戰(zhàn)爭(zhēng)風(fēng)險(xiǎn)屬于除外風(fēng)險(xiǎn)，火災(zāi)屬于保險(xiǎn)風(fēng)險(xiǎn)，那么保險(xiǎn)人對(duì)該被保險(xiǎn)人的損失應(yīng)該采取的正確處理方式是（A）A.不予賠償B.部分賠償C.全部賠償D.比例賠償31.在家庭財(cái)產(chǎn)保險(xiǎn)中，一被保險(xiǎn)人的房屋因電線老化發(fā)生了火

50、災(zāi)，在搶救過程中有人趁亂偷走了被保險(xiǎn)人家中的珠寶。造成被保險(xiǎn)人珠寶丟失的近因是（C）A.火災(zāi)B.偷竊C.被保險(xiǎn)人的疏忽D.造成火災(zāi)原因的電線老化32.被稱為“第四媒體”，并將成為21世紀(jì)無時(shí)區(qū)、無疆界的保險(xiǎn)銷售工具的是（D）A.電話B.報(bào)紙C.投保單D.網(wǎng)絡(luò)33.在壽險(xiǎn)核保中，由于弱體風(fēng)險(xiǎn)類別的人在健康和其他方面存在缺陷，致使他們的預(yù)期壽命低于正常的人，保險(xiǎn)人對(duì)他們所采取的承保方式是（C）A.拒保B.按照標(biāo)準(zhǔn)費(fèi)率承保C.按照高于標(biāo)準(zhǔn)的費(fèi)

51、率予以承保D.按照低于標(biāo)準(zhǔn)的費(fèi)率予以承保34.在非壽險(xiǎn)的理賠中，保險(xiǎn)人審核保險(xiǎn)責(zé)任的內(nèi)容之一是（C）A.損失的標(biāo)的是否有殘值B.損失的標(biāo)的是否巨額價(jià)值之標(biāo)的C.損失的標(biāo)的是否為保險(xiǎn)標(biāo)的D.損失的標(biāo)的是否有市場(chǎng)價(jià)值35.優(yōu)質(zhì)客戶服務(wù)的測(cè)定標(biāo)準(zhǔn)是（C）A.服務(wù)給人印象如何深刻B.服務(wù)的個(gè)性化程度C.服務(wù)滿足客戶期望的程度D.服務(wù)的新穎化程度36.在財(cái)產(chǎn)保險(xiǎn)的承保中，如果保險(xiǎn)標(biāo)的低于承保標(biāo)準(zhǔn)，保險(xiǎn)人通常采用減少保險(xiǎn)金額，或者使用較高的免賠額或

52、較高的保險(xiǎn)費(fèi)率的方式承保。這一承保決策屬于（C）A.正常承保B.優(yōu)惠承保C.有條件承保D.拒保37.通常，國(guó)內(nèi)貨物運(yùn)輸保險(xiǎn)規(guī)定，在貨物發(fā)生保險(xiǎn)責(zé)任范圍內(nèi)的損失時(shí)，對(duì)于保險(xiǎn)貨物遭受損失后的殘值部分，經(jīng)雙方協(xié)商作價(jià)后折歸(A)A.被保險(xiǎn)人B.發(fā)貨人C.保險(xiǎn)人D.承運(yùn)人38.如果責(zé)任保險(xiǎn)采取“期內(nèi)發(fā)生式”的承保方式，則保險(xiǎn)人承擔(dān)保險(xiǎn)責(zé)任的前提條件必須是（D）。A.索賠追溯期內(nèi)提出B.索賠在保險(xiǎn)有效期內(nèi)提出C.保險(xiǎn)事故發(fā)生的追溯期內(nèi)D.保險(xiǎn)事故

53、發(fā)生在保險(xiǎn)期內(nèi)39.按照保險(xiǎn)利益原則，債權(quán)人對(duì)債務(wù)人的信用具有保險(xiǎn)利益，對(duì)此債權(quán)人以債務(wù)人的信用為標(biāo)的，可以投保的險(xiǎn)種主要是（B）A.責(zé)任保險(xiǎn)B.信用保險(xiǎn)C.保證保險(xiǎn)D.個(gè)人保險(xiǎn)40.產(chǎn)品責(zé)任保險(xiǎn)的承?；A(chǔ)通常是（B）A.期內(nèi)發(fā)生式B.期內(nèi)索賠式C.期滿發(fā)生式D.期滿索賠式41.在健康保險(xiǎn)中，一般均對(duì)一些金額較低的醫(yī)療費(fèi)用采用免賠額的規(guī)定，即（B）。A.保險(xiǎn)人只負(fù)責(zé)低于免賠額的部分B.保險(xiǎn)人只負(fù)責(zé)超過免賠額的部分C.保險(xiǎn)人只負(fù)責(zé)等于免賠