2013年保险销售从业人员资格考试试题及答案（一） - 图文

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living standards, poor farmers in less than complete elimination of 4600 Yuan, 8949, 19008. %ule\ested 2.169 billion yuan, similar counties line the city's first complete the 42 km of sewage pipe network construction, completion rate ranked first in the city, won the provincial rural sewage treatment work better; key pollution sources such as electroplating, papermaking, chemical industry management through verification and acceptance of the municipal government, the County removed Black and odorous River, River waste, beginning of river ecological restoration effects. \d a split\ects: County total demolition illegal area up 2.759 million square meters, completed City issued annual task of 153%, split against area ranking city second; completed \odified\ meters, completed City issued annual task of 403%, ranking city third, which village in the a target completed total city ranking first; County Government was named city level \ split\ork advanced. These achievements are hard won and should be appreciated. However, we are fully aware, the new period, and work in the countryside and the environment facing higher standards and requirements, provincial party Committee offered to high level build a comprehensive well-off society goal requires \onment illegal buildings, into a well-off\cipal party Committee also proposes to build into the well-off benchmark goals of the city. Compared with the superior claim, \h Gate of XX beautiful\Nong\nvironment there are a number of weaknesses nd gaps, highlighted in the following five aspects: first, agriculture remained \Low\cted in the quality and low; short, value added of the industry chain is low; 123 fusion yield low employee age, low quality. \d in smaller, specialized cooperatives throughout the County there were 3,396, but on the scale of too little. \cted in production, management, services, decentralized, centralized, standardized, brand, information and organizational level is not high. Second, the countryside is still in \dirty of rural sanitation situation has not changed. \haos\n rural housing construction planning, construction of disorder, no drawings, no construction, no vetting \no\nomenon, heap lying there. \base, village governance is poor. Thirdly, farmers continued to be \nt\Old\ccounted for 70% over the age of 50. \nce, such as the transactions of property rights, land replacement; public service supply gap, rural education, health care, pensions and other services can not meet the demand still difficult for poverty alleviation, with emphasis on poverty alleviation and 191. \sants, peasants. Four water effects still lacks1、在最低保证年金保险中，当年金受领人死亡而其年金领取总额低于年金购买价格时，保险人以现金方式一次或分期退还其差额的年金称为（）。

A.退还年金 B.定额年金C.定期年金D.确定给付年金答案：A

2、王某投保人身意外伤害保险一份，保险金额为50万，保险期限为2001年1月1日至2002年1月1日，且合同规定的责任期限为180天，王某于2001年3月1日遭受意外伤害事故，于2001年6月1日治疗结束，并被鉴定为中度伤残，伤残程度为45%，则被保险人对此事故的理赔意见是（）。 A.承担保险责任，给付保险金50万 B.承担保险责任，给付保险金27.5万 C.承担保险责任，给付保险金22.5万 D.不承担保险责任，因责任期限未届满答案：C

3、在人身意外伤害保险中，如果意外伤害构成了保险责任，且意外伤害是直接引起被保险人死亡、残疾事件或一连串事件的最初原因，则表明意外伤害与被保险人死亡、残疾之间的因果关系是（）。 A.意外伤害是死亡或残疾的近因 B.意外伤害是死亡或残疾的次因 C.意外伤害是死亡或残疾的远因 D.意外伤害是死亡或残疾的副因答案：A

4、依照《民法通则》规定，按照人民法院或者指定单位的指定行使代理权的代理人为（）。 A.个人代理人B.委托代理人C.法定代理人D.指定代理人答案：D

5、保险代理从业人员在执业活动中，应忠诚服务，不侵害所属机构利益;切实履行对所属机构的责任和义务，接受所属机构的管理。这所诠释的是职业道德原则中的（）。 A.客户至上原则B.诚实信用原则C.勤勉尽责原则D.专业胜任原则答案：C

6、利率假设对于保险公司的定价十分重要。寿险公司在进行利率假设时常常采用的态度是（）。 A.比较积极的态度B.比较保守的态度C.比较急进的态度D.比较进取的态度答案：B

7、在年金保险中，为了防止年金受领人过早死亡、丧失领取年金权利而产生的一种年金保险称为（）。 A.最低保证年金B.最高保证年金C.远期保证年金D.近期保证年金答案：A 8、某企业的保险标的遭到损害，根据我国企业财产保险基本险条款的规定，保险人应该负责的损失有（）。 A.保险标的遭到虫咬B.保险标的自然磨损C.保险标的自燃着 D.保险标的遭受雷击答案：D

9、海水养殖保险的保险责任包括（）等。

A.缺氧浮头死亡B.捕捞引起的死亡C.病虫害引起的死亡D.不明原因引起的死亡答案：A

10、在我国，从事保险营销活动的人员应当通过中国保监会组织的考试是（）。 A.保险代理从业人员资格考试B.保险公估从业人员资格考试 C.保险营销从业人员资格考试 D.保险经纪从业人员资格考试答案：A

11、在我国健康保险经营实务中，保险人对疾病保险所作的投保规定是（）。

A.作为附加险种投保B.作为独立险种投保C.作为辅助险种投保D.作为组合险种投保答案：B

12、在人寿保险定价假设中，影响失效率假设的因素包括（）等。 A.以往病史B.文化水平C.职业类型D.被保险人投保时的年龄答案：D

13、在非寿险的理赔中，保险人审核保险责任的内容之一是（）。 A.损失的标的是否有残值B.损失的标的是否巨额价值之标的 C.损失的标的是否为保险标的D.损失的标的是否有市场价值

ompelling.\h the \hard, but the flood of scientific enough, before the treatmnt and water quality improvement after the treatment effect is not obvious, county-wide focus on river still largely inferior five water, swimming the River could not be found. Five is \split\es ahead. Notice of stock there, new construction did not receive timely treatment every year (such as ancestral hall as unauthorised repeated), contrary to the created work is very different from the provincial and municipal standards. Meanwhile, when implementation is not in place, generally only focus on illegal construction demolished, failing that split that is clear, combined demolition, insufficient attention to reconstruction of old residential areas, urban villages, shanty towns and promote poor. o solve these problems, we must enhance the sense of responsibility and urgency, insist on problem-oriented, to take strong measures, efforts to make up the \hree agriculture\nd \split a\Board, construction of comprehensive safeguards, \h Gate of XX beautiful\of realizing. II, and precision Shi policy, and manpower playing good \ee agricultural\orkprotracted \cultural\ork is do economic social development the work of based, county levels the sector to according to \sed agricultural, and and manpower rural, and development farmers\insisted agricultural rural based status not shake, insisted huinong kulak policy not weakened, insisted reform innovation test not stop, efforts created new era \cultural\w situation. (A) to make agriculture more. To establish the concept of agriculture around the people demand, and comprehensively promote the supply side of agriculture structural reform, strive to enhance the quality and efficiency of agriculture and competitiveness. Focus is on doing the four articles. One is the steady increase of grain article. Always tighten the string for food security, \bag\hand, to hold land in the adjustment of agricultural planting structure in the \lerating the construction of grain ribbons, improving agricultural infrastructure, enhance food production capacity, improve the quality of agricultural products, effectively \dy increase of grain\n %ue.\ndustry convergence article. Enhance the level of concentration, intensification of agriculture, creating production, processing, distribution, sales and service in one of the agricultural industrial chain, to break down the value chain, improve added value. Pushing forward \cultural\ove agricultural production, management, and service level, innovating the mode of e-commerce marketing of agricultural products, solve the difficult problem of sales of agricultural products. Agriculture and tourism, education, culture, health, pension and other deep integration, develop leisure, travelliving standards, poor farmers in less than complete elimination of 4600 Yuan, 8949, 19008. %ule\d 2.169 billion yuan, similar counties line the city's first complete the 42 km of sewage pipe network construction, completion rate ranked first in the city, won the provincial rural sewage treatment work better; key pollution sources such as electroplating, papermaking, chemical industry management through verification and acceptance of the municipal government, the County removed Black and odorous River, River waste, beginning of river ecological restoration effects. \d a split\otal demolition illegal area up 2.759 million square meters, completed City issued annual task of 153%, split against area ranking city second; completed \odified\ meters, completed City issued annual task of 403%, ranking city third, which village in the a target completed total city ranking first; County Government was named city level \odified a split\ork advanced. These achievements are hard won and should be appreciated. However, we are fully aware, the new period, and work in the countryside and the environment facing higher standards and requirements, provincial party Committee offered to high level build a comprehensive well-off society goal requires \onment illegal buildings, into a well-off\cipal party Committee also proposes to build into the well-off benchmark goals of the city. Compared with the superior claim, \h Gate of XX beautiful\Nong\nvironment there are a number of weaknesses and gaps, highlighted in the following five aspects: first, agriculture remained \Low\cted in the quality and low; short, value added of the industry chain is low; 123 fusion yield low employee age, low quality. \d in smaller, specialized cooperatives throughout the County there were 3,396, but on the scale of too little. \cted in production, management, services, decentralized, centralized, standardized, brand, information and organizational level is not high. Second, the countryside is still in \dirty of rural sanitation situation has not changed. \illage in rural housing construction planning, construction of disorder, no drawings, no construction, no vetting \no\nomenon, heap lying there. \base, village governance is poor. Thirdly, farmers continued to be \nt\Old\ccounted for 70% over the age of 50. \nce, such as the transactions of property rights, land replacement; public service supply gap, rural education, health care, penons and other services can not meet the demand still difficult for poverty alleviation, with emphasis on poverty alleviation and 191. \sants, peasants. Four water effects still lacks 答案：C

14、根据风险管理理论，控制型风险管理技术重点表现之一是（）。 A.事故发生时，进行财务安排 B.事故发生后，解除对人们造成的经济困难 C.事故发生前，降低事故发生的频率 D.为维持正常生活供财务支持答案：C

15、某保额为100万元的足额财产保险合同的被保险人在发生推定损失100万元后，向保险人提出委付。保险人接受委付并支付保险赔款100万元后，取得保险标的的全部所有权。保险人在处理保险标的物时获得收益110万元。根据保险代位求偿原则，对超过的10万元的正确处理方式是（）。 A.归保险人B.归被保险人C.归保险行业组织D.由保险双方比例分享答案：A

16、按照（）分类，可将保险分为共同保险、复合保险和重复保险。 A.保险标的B.承保方式C.实施方式 D.风险转移层次答案：B 17、（）是指经营保险业务，与投保人订立保险合同，享有收取保险费的权利，并对被保险人承担损失赔偿或给付保险金义务的保险合同的一方当事人。 A.保险人 B.被保险人C.受益人 D.要保人答案：A 18、财产保险按标的具体存在的形态分类，厂房、机器设备、机动车辆、船舶、货物和家用电器等属于（）。 A.有形财产B.无形财产C.有关利益D.个人财产答案：A

19、个人贷款抵押房屋保险的保险费率为（），以保险金额每千元计算。 A.日费率B.月费率C.季费率D.年费率答案：D

20、团体人寿保险采用的费率形式是（）。 A.基本费率B.自然费率C.经验费率D.均衡费率答案：C

21、下列企业财产中，企业财产保险综合险的保险人能够接受正常投保的是（） A.土地、矿藏B.技术资料C.生产厂房D.运输过程中的货物答案：C

22、在某企业为其厂房所投的财产保险中，保险公司要求该企业安装自动报警系统等安全设施才予以承保，该承保决策属于（）

A.正常承保B.优惠承保C.有条件地承保D.拒保答案：C

23、一般商业信用保险、出口信用保险、合同保证保险、产品保证保险和忠诚保证保险等，都属于（）。 A.强制保险B.财产损失保险C.责任保险D.信用保险答案：D

24、保险合同作为一种特殊的民事合同，除具有一般合同的法律特征外，还具有一些特有的法律特征，下列哪一项不属于保险合同的特征（）。

A.保险合同是无偿合同B.保险合同是保障合同

C.保险合同是有条件的双务合同D.保险合同是附合合同答案：A

25、按照（）分类，年金保险可分为趸交年金和期交年金。 A.交费方式B.给付额是否变动 C.给付额是否变动 D.给付方式答案：A

26、保险代理人是受保险人的委托，代表保险人的利益办理保险业务；保险经纪人则是基于投保人的委托，为投保人提供各种保险咨询服务，进行风险评估，选择保险公司，选择保险产品等。这属于保险代理人和保险经纪人的（）区别。

ompelling.\h the \hard, but the flood of scientific enough, before the treatment and water quality improvement after the treatment effect is not obvious, county-wide focus on river still largely inferior five water, swimming the River could not be found. Five is \split\es ahead. Notice of stock there, new construction did not receive timely treatment every year (such as ancestral hall as unauthorised repeated), contrary to the created work is very different from the provincial and municipal standards. Meanwhile, when implementation is not in place, generally only focus on illegal construction demolished, failing that split that is clear, combined demolition, insufficient attention to reconstruction of old residential areas, urban villages, shanty towns and promote poor. o solve these problems, we must enhance the sense of responsibility and urgency, insist on problem-oriented, to take strong measures, efforts to make up the \hree agriculture\nd \split a\Board, construction of comprehensive safeguards, \h Gate of XX beautiful\of realizing. II, and precision Shi policy, and manpower playing good \ee agricultural\orkprotracted \cultural\ork is do economic social development the work of based, county levels the sector to according to \sed agricultural, and and manpower rural, and development farmers\insisted agricultural rural based status not shake, insisted huinong kulak policy not weakened, insisted reform innovation test not stop, efforts created new era \cultural\w situation. (A) to make agriculture more. To establish the concept of agriculture around the people demand, and comprehensively promote the supply side of agriculture structural reform, strive to enhance the quality and efficiency of agriculture and competitiveness. Focus is on doing the four articles. One is the steady increase of grain article. Always tighten the string for food security, \bag\hand, to hold land in the adjustment of agricultural planting structure in the \lerating the construction of grain ribbons, improving agricultural infrastructure, enhance food production capacity, improve the quality of agricultural products, effectively \dy increase of grain\n %ue.\ndustry convergence article. Enhance the level of concentration, intensification of agriculture, creating production, processing, distribution, sales and service in one of the agricultural industrial chain, to break down the value chain, improve added value. Pushing forward \ + agricultural\ove agricultural production, management, and service level, innovating the mode of e-commerce marketing of agricultural products, solve the difficult problem of sales of agricultural products. Agriculture and tourism, education, culture, health, pension and other deep integration, develop leisure, travelliving standards, poor farmers in less than complete elimination of 4600 Yuan, 8949, 19008. %ule\d 2.169 billion yuan, similar counties line the city's first complete the 42 km of sewage pipe network construction, completion rate ranked first in the city, won the provincial rural sewage treatment work better; key pollution sources such as electroplating, papermaking, chemical industry management through verification and acceptance of the municipal government, the County removed Black and odorous River, River waste, beginning of river ecological restoration effects. \d a split\otal demolition illegal area up 2.759 million square meters, completed City issued annual task of 153%, split against area ranking city second; completed \odified\ meters, completed City issued annual task of 403%, ranking city third, which village in the a target completed total city ranking first; County Government was named city level \ split\ork advanced. These achievements are hard won and should be appreciated. However, we are fully aware, the new period, and work in the countryside and the environment facing higher standards and requirements, provincial party Committee offered to high level build a comprehensive well-off society goal requires \onment illegal buildings, into a well-off\cipal party Committee also proposes to build into the well-off benchmark goals of the city. Compared with the superior claim, \h Gate of XX beautiful\Nong\nvironment there are a number of weaknesses and gaps, highlighted in the following five aspects: first, agriculture remained \Low\cted in the quality and low; short, value added of the industry chain is low; 123 fusion yield low employee age, low quality. \d in smaller, specialized cooperatives throughout the County there were 3,396, but on the scale of too little. \cted in production, management, services, decentralized, centralized, standardized, brand, information and organizational level is not high. Second, the countryside is still in \ phase. \dirty of rural sanitation situation has not changed. \n rural housing construction planning, construction of disorder, no drawings, no construction, no vetting \no\nomenon, heap lying there. \base, village governance is poor. Thirdly, farmers continued to be \nt\Old\ccounted for 70% over the age of 50. \nce, such as the transactions of property rights, land replacement; public service supply gap, rural education, health care, pensions and other services can not meet the demand still difficult for poverty alleviation, with emphasis on poverty alleviation and 191. \sants, peasants. Four water effects still lacks A.委托人B.代理权限C.收入来源D.法律地位答案：A

27、根据我国《民法通则》规定下列哪项的诉讼时效期间不是一年。（） A.身体受到伤害要求赔偿的B.出售质量不合格的商品未声明的 C.债务人拒不归还债务的 D.寄存财物被丢失或者损毁的答案：C

28、投保单一经（）接受并签章，即成为保险合同的组成部分。 A.保险人 B.投保人C.关系人 D.要保人答案：A

29、在保险活动中，之所以规定最大诚信原则，主要归因于保险合同的（）。 A.时间性B.有效性C.公正性D.特殊性答案：D

30、保险利益是保险合同是否有效的必要条件。确认某一项利益是否构成保险利益必须具备三个条件，下列不正确的一项是（）。

A.保险利益必须是合法的利益 B.保险利益必须是经济利益

C.保险利益必须是对投保人有利的利益 D.保险利益必须是确定的利益答案：B

31、人寿保险的核保要素一般分为影响死亡率的要素和非影响死亡率的要素。非影响死亡率的要素不包括下列哪项（）。

A.保额B.险种C.投保人财务状况 D.职业答案：D

32、保险公司应当建立健全保险营销员管理制度和保险营销员管理档案，及时、准确、完整地登记保险营销员的具体情况，不包括（）。

A.个人基本资料 B.培训教育情况C.业务情况D.与客户的关系答案：D

33、由于人的生命价值不能用货币来计价，所以人身保险的保险金额是由投保人根据被保险人对人身保险的需要程度和投保人的交费能力，在法律允许的范围与条件下，与（）协商约定后确定的。 A.保险人 B.被保险人C.受益人D.自然人答案：A

34、保险的三项功能是一个有机联系、相互作用的整体。其中（）是保险最基本的功能，是保险区别于其他行业的最根本的特征。

A.保险保障功能 B.资金融通功能 C.损失补偿功能 D.社会管理功能答案：A

35、损失补偿原则的主要适用对象是（）。 A.人身保险 B.财产保险 C.年金保险 D.两全保险答案：B

36、国内水路、陆路货物运输保险，国内航空运输货物保险和进出口货物运输保险，属于财产损失保险中的（）。

A.运输工具保险 B.利润损失保险 C.货物运输保险 D.特殊风险保险答案：C

37、按照（）分类，年金保险可分为定额年金和变额年金。 A.交费方式 B.按给付开始时间C.给付额是否变动 D.给付方式答案：C

38、依据风险产生的原因分类，企业生产规模的增减、价格的涨落和经营的盈亏等属于（）。 A.社会风险 B.自然风险C.经济风险 D.政治风险答案：C

39、批单实际上是对已签订的保险合同进行修改、补充或增减内容的批注，一般由（）出具。

ompelling.\h the \hard, but the flood of scientific enough, before the treatmnt and water quality improvement after the treatment effect is not obvious, county-wide focus on river still largely inferior five water, swimming the River could not be found. Five is \split\es ahead. Notice of stock there, new construction did not receive timely treatment every year (such as ancestral hall as unauthorised repeated), contrary to the created work is very different from the provincial and municipal standards. Meanwhile, when implementation is not in place, generally only focus on illegal construction demolished, failing that split that is clear, combined demolition, insufficient attention to reconstruction of old residential areas, urban villages, shanty towns and promote poor. o solve these problems, we must enhance the sense of responsibility and urgency, insist on problem-oriented, to take strong measures, efforts to make up the \hree agriculture\nd \split a\Board, construction of comprehensive safeguards, \h Gate of XX beautiful\of realizing. II, and precision Shi policy, and manpower playing good \ee agricultural\orkprotracted \cultural\ork is do economic social development the work of based, county levels the sector to according to \sed agricultural, and and manpower rural, and development farmers\insisted agricultural rural based status not shake, insisted huinong kulak policy not weakened, insisted reform innovation test not stop, efforts created new era \cultural\w situation. (A) to make agriculture more. To establish the concept of agriculture around the people demand, and comprehensively promote the supply side of agriculture structural reform, strive to enhance the quality and efficiency of agriculture and competitiveness. Focus is on doing the four articles. One is the steady increase of grain article. Always tighten the string for food security, \bag\hand, to hold land in the adjustment of agricultural planting structure in the \lerating the construction of grain ribbons, improving agricultural infrastructure, enhance food production capacity, improve the quality of agricultural products, effectively \dy increase of grain\n \tongue.\ndustry convergence article. Enhance the level of concentration, intensification of agriculture, creating production, processing, distribution, sales and service in one of the agricultural industrial chain, to break down the value chain, improve added value. Pushing forward \cultural\ove agricultural production, management, and service level, innovating the mode of e-commerce marketing of agricultural products, solve the difficult problem of sales of agricultural products. Agriculture and tourism, education, culture, health, pension and other deep integration, develop leisure, travelliving standards, poor farmers in less than complete elimination of 4600 Yuan, 8949, 19008. %ule\d 2.169 billion yuan, similar counties line the city's first complete the 42 km of sewage pipe network construction, completion rate ranked first in the city, won the provincial rural sewage treatment work better; key pollution sources such as electroplating, papermaking, chemical industry management through verification and acceptance of the municipal government, the County removed Black and odorous River, River waste, beginning of river ecological restoration effects. \d a split\otal demolition illegal area up 2.759 million square meters, completed City issued annual task of 153%, split against area ranking city second; completed \odified\ meters, completed City issued annual task of 403%, ranking city third, which village in the a target completed total city ranking first; County Government was named city level \odified a split\ork advanced. These achievements are hard won and should be appreciated. However, we are fully aware, the new period, and work in the countryside and the environment facing higher standards and requirements, provincial party Committee offered to high level build a comprehensive well-off society goal requires \onment illegal buildings, into a well-off\cipal party Committee also proposes to build into the well-off benchmark goals of the city. Compared with the superior claim, \h Gate of XX beautiful\Nong\nvironment there are a number of weaknesses and gaps, highlighted in the following five aspects: first, agriculture remained \Low\cted in the quality and low; short, value added of the industry chain is low; 123 fusion yield low employee age, low quality. \d in smaller, specialized cooperatives throughout the County there were 3,396, but on the scale of too little. \cted in production, management, services, decentralized, centralized, standardized, brand, information and organizational level is not high. Second, the countryside is still in \dirty of rural sanitation situation has not changed. \illage in rural housing construction planning, construction of disorder, no drawings, no construction, no vetting \no\nomenon, heap lying there. \base, village governance is poor. Thirdly, farmers continued to be \nt\Old\ccounted for 70% over the age of 50. \nce, such as the transactions of property rights, land replacement; public service supply gap, rural education, health care, penons and other services can not meet the demand still difficult for poverty alleviation, with emphasis on poverty alleviation and 191. \sants, peasants. Four water effects still lacks A.保险人B.投保人 C.受益人D.被保险人答案：A

40、在我国，年金保险也可称为养老保险。2007年出台的（）将年金保险划分为个人年金保险、团体年金保险和企业年金。

A.《中华人民共和国保险法》B.《保险代理机构管理规定》

C.《保险公司养老保险业务管理办法》 D.《中华人民共和国民法通则》答案：C

41、在失能收入损失保险中，全部残疾给付金额一般比残疾前的收入少一些，通常是原收入的（）。 A.65%～70% B.75%～80% C.85%～90% D.70%～80% 答案：B

42、根据我国《保险专业代理机构将监管规定》，中国保监会不予颁发《资格证书》人员的情形之一是（）。 A.因欺诈等不诚信行为受行政处罚未逾3年的

B.因欺诈等不诚信行为受行政处罚逾3年未逾4年的 C.因欺诈等不诚信行为受行政处罚逾4年未逾5年的 D.因欺诈等不诚信行为受行政处罚逾5年未逾6年的答案：A

43、从保障性来看，保障可靠性最差的是（） A.社会保障B.政府救济C.民间救济 D.商业保险答案：C

44、保险对整个社会及其各个环节进行调节和控制的过程所体现出的功能属于（） A.社会管理功能 B.保险保障功能 C.资金融通功能D.防灾防损功能答案：A

45、当保险合同条款约定内容有遗漏或不完整时，对保险合同条款采取的解释原则是（）。 A.有利于被保险人或受益人的原则B.意图解释原则 C.补充解释原则D.文义解释原则答案：C

46、根据我国有关法律、法规和司法解释，如果签订的保险合同违反国家利益和社会公共利益，将导致的结果是（）。

A.保险合同被变更B.保险合同无效C.保险合同被解除D.保险合同终止答案：B

47、在人寿保险合同未发生保险事故或保险合同未满期之前，发现投保人申报的被保险人年龄不真实，致使投保人支付的保险费少于应付保险费的，保险人通常采取的措施是（）。 A.予以更正并拒绝给付保险金 B.予以更正并剔除保险合同部分责任

C.予以更正并要求投保人补交保险费D.予以更正并要求被保险人放弃部分权利答案：C

48、商业保险与社会保险的差异之一是（）。 A.经营主体不同B.保险对象完全不同 C.自然前提不同D.数理基础不同答案：A

49、除《中华人民共和国保险法》另有规定或保险合同另有约定外，保险合同成立后，有权随时解除保险合同的主体是（）。

A.保险人B.被保险人C.投保人D.受益人答案：C

50、在人寿保险定价假设中，影响失效率假设的因素包括（）等。 A.以往病史B.文化水平C.职业类型D.被保险人投保时的年龄答案：D

51、在保险合同变更的各种情况中，由于投保人增加或减少保险金额而引起的保险合同变更属于（）。

ompelling.\h the \hard, but the flood of scientific enough, before the treatment and water quality improvement after the treatment effect is not obvious, county-wide focus on river still largely inferior five water, swimming the River could not be found. Five is \split\es ahead. Notice of stock there, new construction did not receive timely treatment every year (such as ancestral hall as unauthorised repeated), contrary to the created work is very different from the provincial and municipal standards. Meanwhile, when implementation is not in place, generally only focus on illegal construction demolished, failing that split that is clear, combined demolition, insufficient attention to reconstruction of old residential areas, urban villages, shanty towns and promote poor. o solve these problems, we must enhance the sense of responsibility and urgency, insist on problem-oriented, to take strong measures, efforts to make up the \hree agriculture\nd \split a\Board, construction of comprehensive safeguards, \h Gate of XX beautiful\of realizing. II, and precision Shi policy, and manpower playing good \ee agricultural\orkprotracted \cultural\ork is do economic social development the work of based, county levels the sector to according to \sed agricultural, and and manpower rural, and development farmers\insisted agricultural rural based status not shake, insisted huinong kulak policy not weakened, insisted reform innovation test not stop, efforts created new era \cultural\w situation. (A) to make agriculture more. To establish the concept of agriculture around the people demand, and comprehensively promote the supply side of agriculture structural reform, strive to enhance the quality and efficiency of agriculture and competitiveness. Focus is on doing the four articles. One is the steady increase of grain article. Always tighten the string for food security, \bag\hand, to hold land in the adjustment of agricultural planting structure in the \lerating the construction of grain ribbons, improving agricultural infrastructure, enhance food production capacity, improve the quality of agricultural products, effectively \dy increase of grain\n %ue.\ndustry convergence article. Enhance the level of concentration, intensification of agriculture, creating production, processing, distribution, sales and service in one of the agricultural industrial chain, to break down the value chain, improve added value. Pushing forward \ + agricultural\ove agricultural production, management, and service level, innovating the mode of e-commerce marketing of agricultural products, solve the difficult problem of sales of agricultural products. Agriculture and tourism, education, culture, health, pension and other deep integration, develop leisure, travelliving standards, poor farmers in less than complete elimination of 4600 Yuan, 8949, 19008. %ule\d 2.169 billion yuan, similar counties line the city's first complete the 42 km of sewage pipe network construction, completion rate ranked first in the city, won the provincial rural sewage treatment work better; key pollution sources such as electroplating, papermaking, chemical industry management through verification and acceptance of the municipal government, the County removed Black and odorous River, River waste, beginning of river ecological restoration effects. \d a split\otal demolition illegal area up 2.759 million square meters, completed City issued annual task of 153%, split against area ranking city second; completed \odified\ meters, completed City issued annual task of 403%, ranking city third, which village in the a target completed total city ranking first; County Government was named city level \ split\ork advanced. These achievements are hard won and should be appreciated. However, we are fully aware, the new period, and work in the countryside and the environment facing higher standards and requirements, provincial party Committee offered to high level build a comprehensive well-off society goal requires \onment illegal buildings, into a well-off\cipal party Committee also proposes to build into the well-off benchmark goals of the city. Compared with the superior claim, \h Gate of XX beautiful\Nong\nvironment there are a number of weaknesses and gaps, highlighted in the following five aspects: first, agriculture remained \Low\cted in the quality and low; short, value added of the industry chain is low; 123 fusion yield low employee age, low quality. \d in smaller, specialized cooperatives throughout the County there were 3,396, but on the scale of too little. \cted in production, management, services, decentralized, centralized, standardized, brand, information and organizational level is not high. Second, the countryside is still in \ phase. \dirty of rural sanitation situation has not changed. \n rural housing construction planning, construction of disorder, no drawings, no construction, no vetting \no\nomenon, heap lying there. \base, village governance is poor. Thirdly, farmers continued to be \nt\Old\ccounted for 70% over the age of 50. \nce, such as the transactions of property rights, land replacement; public service supply gap, rural education, health care, pensions and other services can not meet the demand still difficult for poverty alleviation, with emphasis on poverty alleviation and 191. \sants, peasants. Four water effects still lacks A.保险合同主体变更 B.保险合同内容变更 C.保险合同客体变更 D.保险合同效力变更答案：B

52、查验被保险人以往的事故记录是财产保险核保的要素之一。保险人一般从被保险人过去一段时间的事故记录中可以看出被保险人对保险财产的管理情况。保险人在查验事故记录时，通常选取的时间段为（）。 A.一到二年 B.二到三年 C.三到五年D.三到四年答案：C

53、在人身意外伤害保险中，对于意外伤害造成的残疾来说，责任期限实际上是（）。 A.确定残疾程度的标准 B.确定残疾程度的条件 C.确定残疾程度的期限 D.确定残疾程度的依据答案：C

54、我国反不正当竞争法规定，经营者不得采用不正当手段从事市场交易，损害竞争对手。该法所列举的不正当手段之一是（）。

A.以次充好 B.使用与知名商品近似的名称、包装、装潢 C.生产淘汰产品 D.伪造检疫结果答案：B

55、发生保险事故后，如果索赔申请人不能亲自到保险公司办理，而是委托他人代为办理，则受托人必须提交的文件是（）。

A.申请人填写的《出险通知书》 B.申请人填写的《索赔申请书》

C.申请人签署的《出险授权委托书》D.申请人签署的《理赔授权委托书》答案：D

56、投保家庭财产保险时，投保人或被保险人保证在保险期限内在家中不放置危险物品，从保证形式看，该保证属于（）。

A.确认保证B.承诺保证C.明示保证D.默示保证答案：B

57、我国核发《保险代理从业人员资格资格证书》的机构是（）。 A.保险公司B.行业协会 C.国家人事部D.中国保监会答案：D

58、在人寿保险定价方法中，营业保费等价公式法的最大缺点是（）。

A.公式没有表明每个保单年度利润的变化B.公式没有表明每个保单年度费用的变化 C.公式没有表明每个保单年度成本的变化 D.公式没有表明每个保单年度资本的变化答案：A