Ins 21 - Quiz 1

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| By Urnarendra007
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Ins 21 - Quiz 1 - Quiz

INS 21 -Chapter 1,2,3 QUIZ 1


Questions and Answers
  • 1. 

    The Process of making and implementing decisions to handle loss exposure is known as __________

    • A.

      Loss Reduction Measures

    • B.

      Loss Prevention Measures

    • C.

      Risk Management

    • D.

      None of the Above.

    Correct Answer
    C. Risk Management
    Explanation
    The process of making and implementing decisions to handle loss exposure is known as risk management. This involves identifying potential risks, assessing their impact, and developing strategies to mitigate or transfer those risks. By effectively managing risks, organizations can minimize financial losses and protect their assets. Loss reduction and loss prevention measures are part of risk management, but they do not encompass the entire process. Therefore, the correct answer is risk management.

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  • 2. 

    An insurance policy is a contract that states the rights and duties of

    • A.

      The insured and insurer and agent.

    • B.

      The insured and the insurer.

    • C.

      The insured and the agent.

    • D.

      The insured and other third parties.

    Correct Answer
    B. The insured and the insurer.
    Explanation
    An insurance policy is a legal agreement between the insured and the insurer. It outlines the rights and responsibilities of both parties involved in the insurance contract. The insured is the individual or entity that purchases the insurance policy, while the insurer is the company that provides the coverage and assumes the risk. The insured pays premiums in exchange for the insurer's promise to provide financial protection in the event of covered losses or damages. Therefore, the correct answer is "The insured and the insurer."

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  • 3. 

     Transferring the costs of losses to an insurer would be unnecessary, if there were no

    • A.

      Exposures to loss

    • B.

      Civil courts.

    • C.

      Agents.

    • D.

      Reinsurance.

    Correct Answer
    A. Exposures to loss
    Explanation
    If there were no exposures to loss, then there would be no need to transfer the costs of losses to an insurer. Exposures to loss refer to situations or circumstances that could potentially result in a loss or damage. Without any exposures to loss, there would be no risk or need for insurance coverage. Therefore, transferring costs to an insurer would be unnecessary in this scenario.

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  • 4. 

    Insurers provide insurance for Potential Financial Consequences of Loss Exposures that have following Characters

    • A.

      Loss Exposure is subject to accidental loss from the insured’s standpoint.

    • B.

      Loss Exposure is economically infeasible to insure.

    • C.

      Loss is subject to a loss that would simultaneously affect many other similar Loss Exposure.

    • D.

      Both b & c

    Correct Answer
    A. Loss Exposure is subject to accidental loss from the insured’s standpoint.
    Explanation
    Loss Exposure is subject to accidental loss from the insured's standpoint. This means that the potential financial consequences of the loss exposure are due to accidental events that the insured may face. This is an important characteristic for insurers to consider when providing insurance coverage, as it helps determine the likelihood and severity of potential losses that the insured may experience. By understanding this aspect, insurers can assess the risk involved and determine appropriate coverage and premiums for the insured.

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  • 5. 

    Stock Insurers comes under

    • A.

      Federal Government Insurance Programs

    • B.

      State Government Insurance Programs

    • C.

      Private Insurers

    • D.

      None of the Above

    Correct Answer
    C. Private Insurers
    Explanation
    Stock insurers are private insurers because they are owned by shareholders and operate for profit. They sell insurance policies to individuals and businesses and assume the risk of potential losses in exchange for premium payments. Unlike government insurance programs, stock insurers are not operated or regulated by the federal or state government. Instead, they are governed by their own management and are subject to industry regulations and oversight. Therefore, the correct answer is Private Insurers.

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  • 6. 

    Personnel Loss Exposures is any condition or situation that presents the possibility of financial loss to ____________

    • A.

      Family

    • B.

      Business

    • C.

      Individual

    • D.

      Both a & c

    Correct Answer
    B. Business
    Explanation
    Personnel Loss Exposures refer to any condition or situation that may result in financial loss for a business. This could include risks such as employee injuries, lawsuits, or loss of key personnel. Therefore, the correct answer is "Business" because it is the entity that faces potential financial losses in such situations.

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  • 7. 

    Net Income Loss is called as_____

    • A.

      Reduction in Revenue, an decrease in expenses

    • B.

      Reduction in Revenue, an increase in expenses

    • C.

      Reduction in Revenue, an decrease in savings

    • D.

      Reduction in Revenue, an increase in savings

    Correct Answer
    B. Reduction in Revenue, an increase in expenses
    Explanation
    Net Income Loss is called as "Reduction in Revenue, an increase in expenses" because when a company experiences a net income loss, it means that their revenue has decreased while their expenses have increased. This leads to a negative net income, indicating that the company is not generating enough revenue to cover its expenses.

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  • 8. 

    Making a profit for the insurance company is a major objective for which one of the

    • A.

      Underwriting department

    • B.

      Finance department

    • C.

      Marketing department

    • D.

      Claims department

    Correct Answer
    B. Finance department
    Explanation
    The finance department is responsible for managing the financial operations of the insurance company, including budgeting, financial planning, and investment decisions. Making a profit is a key objective for any company, and the finance department plays a crucial role in achieving this goal. They analyze the company's financial performance, identify opportunities for cost savings, and make strategic decisions to maximize profitability. By effectively managing the company's finances, the finance department contributes to the overall success and profitability of the insurance company.

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  • 9. 

    Insurance Rates should reflect the Insured’s Loss Exposure (True/False)

    • A.

      True

    • B.

      False

    Correct Answer
    A. True
    Explanation
    Insurance rates should reflect the insured's loss exposure because the purpose of insurance is to provide financial protection against potential losses. Insurance companies determine rates based on the level of risk a policyholder presents. If the insured has a higher likelihood of experiencing losses, such as living in an area prone to natural disasters or having a history of accidents, the insurance rates will be higher to compensate for the increased risk. Conversely, if the insured has a lower risk of losses, such as a good driving record or living in a safe neighborhood, the rates will be lower.

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  • 10. 

    Benefits of Insurance Include:

    • A.

      Satisfying Legal Requirement

    • B.

      Reducing Social Burdens

    • C.

      Reducing the insured’s financial uncertainty

    • D.

      All of the above

    Correct Answer
    D. All of the above
    Explanation
    The correct answer is "All of the above." Insurance provides benefits such as satisfying legal requirements, reducing social burdens, and reducing the insured's financial uncertainty. By having insurance, individuals can meet legal obligations, such as having car insurance. Insurance also helps to alleviate the burden on society by providing financial support in case of accidents or emergencies. Moreover, insurance reduces financial uncertainty by providing coverage for unexpected events, giving individuals peace of mind and protection against potential financial losses.

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  • 11. 

    _____________ Insurance is intended to protect people who may be responsible for injury to someone else or damage to someone’s property.

    • A.

      Property Insurance

    • B.

      Liability Insurance

    • C.

      Life Insurance

    • D.

      Health Insurance

    Correct Answer
    B. Liability Insurance
    Explanation
    Liability insurance is the correct answer because it provides protection for individuals who may be held responsible for causing harm or damage to others. This type of insurance covers the costs associated with legal claims and compensations that may arise from such incidents. It is designed to safeguard individuals from financial losses that may result from lawsuits or claims filed against them for injuries or property damage caused by their actions.

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  • 12. 

    Term Insurance Provides Coverage for specified period,such as ten or twenty years,with cash values(True/False)

    • A.

      True

    • B.

      False

    Correct Answer
    B. False
    Explanation
    Term insurance does not provide cash values. It only provides coverage for a specified period, such as ten or twenty years. Unlike permanent life insurance policies, term insurance does not accumulate any cash value over time. Therefore, the correct answer is false.

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  • 13. 

    ___________ Provides Life Insurance Protection and a savings Component.

    • A.

      Term Insurance

    • B.

      Whole Life Insurance

    • C.

      Universal Life Insurance

    • D.

      Disability Income Insurance

    Correct Answer
    C. Universal Life Insurance
    Explanation
    Universal life insurance provides both life insurance protection and a savings component. It is a type of permanent life insurance that offers flexible premiums and death benefit options. The policyholder can adjust the premium payments and the death benefit amount as their financial needs change over time. Additionally, a portion of the premium paid goes towards building cash value, which can be used for various purposes such as borrowing against it or supplementing retirement income. Therefore, universal life insurance combines the benefits of life insurance coverage with the potential for accumulating savings.

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  • 14. 

    _____________   Covers Liability Loss Exposures arising from a business Organization’s Premises and Operations, its products, or its completed work.

    • A.

      Professional Liability Insurance

    • B.

      Commercial General Liability Insurance

    • C.

      Auto Liability Insurance

    • D.

      None of the above

    Correct Answer
    B. Commercial General Liability Insurance
    Explanation
    Commercial General Liability Insurance covers liability loss exposures arising from a business organization's premises and operations, its products, or its completed work. This type of insurance provides coverage for bodily injury, property damage, personal injury, and advertising injury claims. It protects businesses from potential lawsuits and financial losses resulting from accidents or injuries that occur on their premises or as a result of their operations. Professional Liability Insurance, on the other hand, covers liability related to professional services, while Auto Liability Insurance covers liability for accidents involving vehicles. None of the above options provide the same comprehensive coverage as Commercial General Liability Insurance.

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  • 15. 

     Disability Insurance is  primarily income replacement insurance that Pays _____________

    • A.

      Weekly Benefits

    • B.

      Monthly Benefits

    • C.

      Weekly Benefits or Monthly Benefits

    • D.

      None of the Above

    Correct Answer
    C. Weekly Benefits or Monthly Benefits
    Explanation
    Disability Insurance is primarily income replacement insurance that pays out either weekly benefits or monthly benefits. This means that if a person becomes disabled and is unable to work, they can receive regular payments to help replace their lost income. The specific payment schedule, whether weekly or monthly, would depend on the terms of the insurance policy.

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  • 16. 

    Which is the below one provding most of the property & liability insurance in US?

    • A.

      Private insurer

    • B.

      Stock insurance companies

    • C.

      Mutual insurance companies

    • D.

      Reciprocal insurance exchange

    Correct Answer
    B. Stock insurance companies
    Explanation
    Stock insurance companies are the correct answer because they are private companies that are owned by shareholders and their primary purpose is to provide property and liability insurance. These companies sell insurance policies to individuals and businesses, covering them against various risks such as property damage, liability claims, and personal injury. Stock insurance companies have the financial resources and expertise to underwrite and manage a wide range of insurance policies, making them the largest providers of property and liability insurance in the US. Mutual insurance companies, on the other hand, are owned by policyholders and may not offer as extensive coverage options. Reciprocal insurance exchanges are typically smaller and more specialized in their coverage offerings.

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  • 17. 

    Identify the Insurance type, that there main purpose for insurance formed.i.e, "To Earn profit for its individual investors ("Names") and its corporate investors.

    • A.

      Stock insurer

    • B.

      Mutual insurer

    • C.

      Reciprocal insurer

    • D.

      Lloyd's of London

    Correct Answer
    A. Stock insurer
    Explanation
    A stock insurer is an insurance company owned by shareholders who invest in the company by purchasing its stock. The primary purpose of a stock insurer is to generate profit for its shareholders while providing insurance coverage to policyholders. Stock insurers aim to create value for their shareholders by offering competitive products, managing risk effectively, and operating efficiently. They prioritize shareholder interests and can raise capital through stock or debt issuance, enabling growth and expansion. Thus, a stock insurer's main goal is to earn profit for its investors while serving its policyholders.

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  • 18. 

    The process by which a mutual insurer, which is owned by its policy holders become stock company, which is then owned by its stockholders called,

    • A.

      Mutual Insurer

    • B.

      Demutualization

    • C.

      Mutual insurer

    • D.

      Reciprocal insurer

    Correct Answer
    B. Demutualization
    Explanation
    Demutualization is the process by which a mutual insurer, owned by its policyholders, converts into a stock company that is then owned by its stockholders. This process involves the transformation of the ownership structure from a mutual form to a stock form, allowing the company to issue shares to outside investors and potentially raise additional capital. Demutualization typically occurs when a mutual insurer wants to access the public capital markets, enhance its financial flexibility, or improve its competitiveness in the industry.

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  • 19. 

    Lloyds belongs to one of major groups called

    • A.

      Subscriber

    • B.

      Syndicates

    • C.

      Inter insurance exchange

    • D.

      Demutualization

    Correct Answer
    B. Syndicates
    Explanation
    Lloyds belongs to one of the major groups called syndicates. Syndicates at Lloyds are groups of underwriters who come together to share the risk and underwrite insurance policies. Each syndicate is managed by a managing agent and has its own capital and underwriting capacity. Lloyds syndicates play a crucial role in the insurance market by providing coverage for various risks and contributing to the overall stability and competitiveness of the industry.

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  • 20. 

    Expansion of NAIC

    • A.

      National Association of Insurance Company

    • B.

      National Association of Insurance Commodity

    • C.

      National Association of Insurance Commissioners

    • D.

      None of the Above.

    Correct Answer
    C. National Association of Insurance Commissioners
    Explanation
    The correct answer is National Association of Insurance Commissioners. The NAIC is an organization that is responsible for regulating the insurance industry in the United States. They work to ensure that insurance companies are operating in a fair and ethical manner, and they also provide resources and support to insurance commissioners in each state. The NAIC plays a crucial role in maintaining the stability and integrity of the insurance market.

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  • 21. 

    If the Rate is $15 and Having 10 Exposure units, calculate Premium.?

    • A.

      $34

    • B.

      $1.5

    • C.

      $100

    • D.

      $150

    Correct Answer
    D. $150
    Explanation
    The premium can be calculated by multiplying the rate by the number of exposure units. In this case, the rate is $15 and there are 10 exposure units. Therefore, the premium would be $15 x 10 = $150.

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  • 22. 

    Primary Objectives of Insurance Regulation are

    • A.

      Rate Regulation

    • B.

      Solvency Surveillance

    • C.

      Consumer protection

    • D.

      All of the Above

    Correct Answer
    D. All of the Above
    Explanation
    The primary objectives of insurance regulation include rate regulation, solvency surveillance, and consumer protection. Rate regulation ensures that insurance companies charge fair and reasonable rates to policyholders. Solvency surveillance focuses on monitoring the financial stability of insurance companies to protect policyholders from insolvency. Consumer protection aims to safeguard the interests and rights of insurance consumers, ensuring they receive fair treatment and have access to accurate information. Therefore, the correct answer is "All of the Above."

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  • 23. 

    A person who uses complex mathematical methods and technology to analyze loss data and other statistics and to develop systems for determining insurance rates. Who is it?

    • A.

      Underwriter

    • B.

      Regulator

    • C.

      Actuary

    • D.

      All of the Above.

    Correct Answer
    C. Actuary
    Explanation
    An actuary is a person who uses complex mathematical methods and technology to analyze loss data and other statistics and to develop systems for determining insurance rates. They play a crucial role in the insurance industry by assessing risks and determining appropriate premiums for policies. Actuaries use their expertise in mathematics, statistics, and financial theory to evaluate the likelihood of future events and their potential financial impact. They help insurance companies make informed decisions and ensure the financial stability of the industry.

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  • 24. 

    Excess and surplus lines insurance is usually written by whom?

    • A.

      Admitted insurers

    • B.

      Non-Admitted insurers

    • C.

      Licensed insurers

    • D.

      None of the Above

    Correct Answer
    B. Non-Admitted insurers
    Explanation
    Excess and surplus lines insurance is usually written by non-admitted insurers. These insurers are not licensed or authorized to conduct business in a particular state, but they are allowed to provide coverage for risks that are considered too high or unusual for admitted insurers. Non-admitted insurers provide coverage for unique or specialized risks that may not be covered by traditional insurance companies. This type of insurance allows businesses and individuals to obtain coverage for risks that may be difficult to insure through standard insurance channels.

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  • 25. 

    Identify the below one is not related to State Government Insurance Programs?

    • A.

      Workers compensation

    • B.

      Unemployment insurance programs

    • C.

      Automobile insurance plans

    • D.

      Lloyd's of London

    Correct Answer
    D. Lloyd's of London
    Explanation
    Lloyd's of London is not related to State Government Insurance Programs because it is not a government-run insurance program. Lloyd's of London is an insurance market located in London, England, where various insurance syndicates underwrite different types of insurance policies. It is not specific to any state or government jurisdiction. On the other hand, workers compensation, unemployment insurance programs, and automobile insurance plans are all examples of state government insurance programs that provide coverage for specific situations or risks within a particular state.

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  • 26. 

    Some Federal government program provides coverage for loss exposures that private insurers have avoided largely because of the potential for catastrophic loss. An example such a program is,

    • A.

      Worker compensation

    • B.

      Unemployment insurance programs

    • C.

      Automobile insurance plans

    • D.

      The National flood insurance programs

    Correct Answer
    D. The National flood insurance programs
    Explanation
    The National flood insurance program is an example of a Federal government program that provides coverage for loss exposures that private insurers have avoided due to the potential for catastrophic loss. This program specifically focuses on providing insurance coverage for flood-related damages, which are often excluded from standard homeowners' insurance policies. By offering this coverage, the program aims to protect homeowners and communities from the financial burden of flood damage, which can be devastating and costly.

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  • 27. 

    Private insurers are reluctant to provide coverage for food and crop losses due to the

    • A.

      Concentration of exposure

    • B.

      Large number of exposure units

    • C.

      Variety of exposure units

    • D.

      Dispersion of exposure units

    Correct Answer
    B. Large number of exposure units
    Explanation
    Private insurers are reluctant to provide coverage for food and crop losses due to the large number of exposure units. This means that there are a significant number of potential risks or events that could result in losses, making it difficult for insurers to accurately assess and price the coverage. With a large number of exposure units, insurers may face challenges in managing and predicting the potential losses, leading to their reluctance in providing coverage for such risks.

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  • 28. 

    Unemployment insurance programs operated by

    • A.

      Federal governments

    • B.

      Local governments

    • C.

      State governments

    • D.

      Private insurers.

    Correct Answer
    C. State governments
    Explanation
    Unemployment insurance programs are operated by state governments. These programs provide financial assistance to individuals who have lost their jobs and meet certain eligibility criteria. Each state has its own unemployment insurance program, which is funded through taxes paid by employers. State governments are responsible for administering these programs, determining benefit amounts, and ensuring that individuals receive the assistance they need during periods of unemployment. While federal and local governments may have their own employment-related programs, the primary responsibility for unemployment insurance lies with state governments.

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  • 29. 

    Which Law refers to "Rates must be filed but do not have to be approved before use"

    • A.

      Use and File Laws

    • B.

      No File Laws

    • C.

      Flex Rating Laws

    • D.

      File and Use Laws

    Correct Answer
    D. File and Use Laws
    Explanation
    File and Use Laws refer to the requirement that insurance companies must file their rates with the regulatory authority, but they do not need to wait for approval before implementing those rates. This means that insurance companies have the flexibility to set their own rates and use them immediately, without having to wait for regulatory approval. This allows for a more efficient and streamlined process in setting insurance rates.

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  • 30. 

    An insurer's income statement shows amounts for all of the following for a particular period, EXCEPT:

    • A.

      Earned premiums

    • B.

      Incurred losses

    • C.

      Underwriting expenses

    • D.

      Policyholders surplus

    Correct Answer
    D. Policyholders surplus
    Explanation
    An insurer's income statement shows the financial performance of the company over a specific period. It includes earned premiums, which are the premiums collected from policyholders during that period. It also includes incurred losses, which are the losses the insurer has experienced due to claims made by policyholders. Underwriting expenses, such as administrative costs and commissions, are also included in the income statement. However, policyholders surplus is not included in the income statement. Policyholders surplus represents the excess of assets over liabilities and is a measure of the insurer's financial strength, but it is not directly related to the income statement.

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  • 31. 

    All of the following parties are likely to monitor an insurer's financial performance, EXCEPT:

    • A.

      Regulators

    • B.

      Agents

    • C.

      Claimants

    • D.

      Shareholders

    Correct Answer
    C. Claimants
    Explanation
    Claimants are not likely to monitor an insurer's financial performance because they are individuals or entities who have filed an insurance claim and are seeking compensation for a loss. Their primary concern is to receive the appropriate payout for their claim, rather than monitoring the financial health of the insurer. On the other hand, regulators, agents, and shareholders have a vested interest in monitoring the insurer's financial performance for various reasons such as ensuring compliance with regulations, assessing business opportunities, and protecting their investment, respectively.

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  • 32. 

    Which one of the following is part of written premiums?

    • A.

      Investment income

    • B.

      Policyholders surplus

    • C.

      Unearned premiums

    • D.

      Underwriting expenses

    Correct Answer
    C. Unearned premiums
    Explanation
    Unearned premiums are a part of written premiums because they represent the portion of the premium that has been received by the insurance company but has not yet been earned. This typically occurs when the insurance coverage extends beyond the current accounting period. Unearned premiums are considered a liability on the company's balance sheet until they are earned over time as the coverage is provided.

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  • 33. 

    Mid-State Painting Company owns vans, trucks, and cars that carry workers, supplies, and equipment to worksites. On November 1, Mammoth Insurance Company issued a business auto policy with a one-year period to Mid-State Painting Company and the premium was agreed to be paid at the end of each quarter.  The premium for the policy is $24,000. What was the unearned premium for Mammoth Insurance as of March the next year?

    • A.

      $15,500

    • B.

      $24,000

    • C.

      $20,000

    • D.

      $18,000

    Correct Answer
    D. $18,000
    Explanation
    The unearned premium for Mammoth Insurance as of March the next year is $18,000. This is because the policy was issued on November 1 and has a one-year period. Since the premium is agreed to be paid at the end of each quarter, by March the next year, only 3 out of the 4 quarters have been completed. Therefore, the unearned premium is equal to the premium for one quarter, which is $6,000, multiplied by the remaining number of quarters, which is 3. This gives us a total unearned premium of $18,000.

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  • 34. 

    The financial report for Hometown Insurer contains the following information: Earned premiums - $4,000,000 Written premiums - $5,000,000 Investment income - $1,000,000 Incurred Losses - $3,000,000 Incurred underwriting expense - $1,000,000 What is Hometown Insurer's combined ratio?

    • A.

      75%

    • B.

      95%

    • C.

      105%

    • D.

      100%

    Correct Answer
    D. 100%
    Explanation
    The combined ratio is calculated by dividing the sum of incurred losses and incurred underwriting expenses by the earned premiums. In this case, the sum of incurred losses and incurred underwriting expenses is $4,000,000, and the earned premiums are $4,000,000. Dividing the two gives us 1, which when multiplied by 100 gives us 100%. Hometown Insurer's combined ratio is 100%. This indicates that for every dollar collected in earned premiums, they paid out $1 in incurred losses and underwriting expenses.

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  • 35. 

    The financial report for Hometown Insurer contains the following information: Earned premiums - $4,000,000 Written premiums - $5,000,000 Investment income - $1,000,000 Incurred Losses - $3,000,000 Incurred underwriting expense - $1,000,000 What is Hometown Insurer's investment income ratio?

    • A.

      10%

    • B.

      20%

    • C.

      25%

    • D.

      50%

    Correct Answer
    C. 25%
    Explanation
    The investment income ratio is calculated by dividing the investment income by the earned premiums. In this case, the investment income is $1,000,000 and the earned premiums are $4,000,000. Dividing $1,000,000 by $4,000,000 gives a ratio of 0.25 or 25%. Therefore, the correct answer is 25%.

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  • Current Version
  • Mar 13, 2024
    Quiz Edited by
    ProProfs Editorial Team
  • Aug 26, 2011
    Quiz Created by
    Urnarendra007
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