第十章单元测试
- An annuity is an insurance product that helps people to manage mortality risk. （ ）
- An insurance company needs to sell a large number of policies in order to spread the risk it takes. （ ）
- Only insurance companies are allowed to sell CDS protection. （ ）
- Which of the following is not a problem faced by the insurance industry? （ ）
- Which of the following is correct about the difference between life insurance and non-life insurance? （ ）
A:错 B:对
答案:错
A:对 B:错
A:错 B:对
A:Moral hazard that people have the tendency to pay less attention to risk management after they have purchased insurance protection. B:The problem that people tend to underestimate their needs for insurance products. C:Adverse selection that only the highest risk type seeks insurance protection. D:The whole insurance industry is subject to very little oversight and regulation.
A:Non-life risks are typically more unpredictable. B:Life insurance and non-life insurance companies have very similar assets. C:Non-life insurance mainly concerns a person’s financial losses due to a variety of uncertainty. D:Life insurance mainly concerns a person’s mortality risk and longevity risk.
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