Insurance(保险)maybeconsideredag-名校题库网

题目详情

全站导航

首页试卷试题资讯

试卷导航

建筑工程职业资格公务员财会类医卫类外语类计算机类学历类

试题导航

建筑工程职业资格公务员财会类医卫类外语类计算机类学历类

Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.

It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.

Which of the following statements is NOT TRUE?

A.The first rule of the game in insurance business was devised hundreds of years ago
B.There are many agents who sell insurance policies and collect premiums on behalf of underwriters
C.An individual who pays premium for a policy is insured by an insurance company
D.An individual pays premium directly to an insurance company

正确答案及解析

正确答案

解析

细节题。根据第二段中“an individual pays a small amount of money called a premium(保险费)to an agent who acts on behalf of an insurance company，or underwriter”可知，个人把保险费付给保险代理人而非直接付给保险公司。D项说法不正确。