保險代理人考試模擬題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.保險人向投保人收取的保險費，在抵補保險賠付金額和有關的營業(yè)費用后，不應該獲得高的營業(yè)利潤，該保障厘定標準所體現(xiàn)的原則（A）。A.適度性原則B.合理性原則C.公平性原則D.營利性原則2.將保險資金中閑置的部分重新投入到社會再生產(chǎn)過程中，從而發(fā)揮保險金融中介的作用，這一作用所體現(xiàn)的保險功能是（B）。A.保險保障功能B.資

23、金融通功能C.社會管理功能D.保險給付功能3.保險營銷員的展業(yè)證未通過年度審核的，根據(jù)《保險營銷員管理規(guī)定》，其展業(yè)證的處理方式是（B）A.交還當?shù)乇１O(jiān)局B.交還保險行業(yè)協(xié)會C.交還所屬保險公司D.交還中國保險學會4.保險保障活動運行中所要求的風險大量性條件，一方面是基于風險分散的技術要求，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)營的贏利目標C為了體現(xiàn)社會福利政策D概率論和大數(shù)法則原理在保險經(jīng)營中的運用5.公安機關、交通

24、管理部門應依法對機動車參見機動車交通事故責任強制保險的情況實施監(jiān)督檢查，對未參加機動車交通事故強制責任保險的機動車管理部門（B）A.不得予以登記，機動車銷售機構必須予以收回B.不得予以登記，機動車安全技術檢驗機構不得予以檢驗C.必須予以監(jiān)視，機動車銷售機構必須予以收回D.必須予以監(jiān)視，機動車安全技術檢驗機構不得予以檢驗6.作為保險合同法律特征之一的射幸性具體是指（B）A.保險人必然履行賠付義務B.保險人并不必然履行賠付義務C.投保人繳納

25、保險費，保險人必須履行賠付義務D.投保人履行告知義務，保險人必須履行賠付義務7.在保險實務中，財產(chǎn)保險合同的主體變更主要是指（D）A.保險人和投保人的變更B.投保人和受益人的變更C.被保險人和代理人的變更D.投保人和被保險人的變更8.保險合同中，保險利益的載體是（C）A.保險利益B.保險對象C.保險標的D.保險價值9.在按照風險性質劃分的風險種類中，只有損失機會而無獲利可能的風險稱為（A）A.純粹風險B.投機風險C.損失風險D.基本風險

26、10.根據(jù)《保險營銷員管理規(guī)定》，保險營銷員在從事保險營銷活動過程中每年接受的.經(jīng)中國保監(jiān)會認可的培訓機構組織的專業(yè)培訓屬于（A）A.后續(xù)教育B.技能訓練C.熟練提高D.崗前培訓11.根據(jù)《保險營銷員管理規(guī)定》，保險營銷員從事保險營銷活動時，不得有的行為包括（B）等。A.保險營銷員不與非法從事保險業(yè)務的機構或者個人發(fā)生保險業(yè)務往來B.私自印制.偽造.變造.倒買倒賣.隱匿.銷毀保險單證C.向客戶說明分紅保險等新型保險產(chǎn)品的費用扣除情況D.

27、向客戶明確說明保險合同中責任免除12.投保人向保險人要約的證明通常是（C）A.保險單B.保險憑證C.投保單D.風險調查表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.訂立保險合同時B.被保險人告知時C.出具保險批單時D.發(fā)生保險事故時28.物上代位權的取得一般是通過委付實現(xiàn)的。委付針對的保險標的損失狀態(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.當保險標的因遭受保險事故而

49、發(fā)生全損或推定全損，保險人在支付保險賠償金后代位取得的權利是（D）A.對受損保險標的的義務B.被保險人的所有權利C.被保險人的所有權利和義務D.對受損保險標的的所有權30.戰(zhàn)爭中敵機投彈引起火災，給投保財產(chǎn)險的被保險人造成財產(chǎn)損失，如果戰(zhàn)爭風險屬于除外風險，火災屬于保險風險，那么保險人對該被保險人的損失應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.在家庭財產(chǎn)保險中，一被保險人的房屋因電線老化發(fā)生了火

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

51、率予以承保D.按照低于標準的費率予以承保34.在非壽險的理賠中，保險人審核保險責任的內(nèi)容之一是（C）A.損失的標的是否有殘值B.損失的標的是否巨額價值之標的C.損失的標的是否為保險標的D.損失的標的是否有市場價值35.優(yōu)質客戶服務的測定標準是（C）A.服務給人印象如何深刻B.服務的個性化程度C.服務滿足客戶期望的程度D.服務的新穎化程度36.在財產(chǎn)保險的承保中，如果保險標的低于承保標準，保險人通常采用減少保險金額，或者使用較高的免賠額或

52、較高的保險費率的方式承保。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，國內(nèi)貨物運輸保險規(guī)定，在貨物發(fā)生保險責任范圍內(nèi)的損失時，對于保險貨物遭受損失后的殘值部分，經(jīng)雙方協(xié)商作價后折歸(A)A.被保險人B.發(fā)貨人C.保險人D.承運人38.如果責任保險采取“期內(nèi)發(fā)生式”的承保方式，則保險人承擔保險責任的前提條件必須是（D）。A.索賠追溯期內(nèi)提出B.索賠在保險有效期內(nèi)提出C.保險事故發(fā)生的追溯期內(nèi)D.保險事故

53、發(fā)生在保險期內(nèi)39.按照保險利益原則，債權人對債務人的信用具有保險利益，對此債權人以債務人的信用為標的，可以投保的險種主要是（B）A.責任保險B.信用保險C.保證保險D.個人保險40.產(chǎn)品責任保險的承保基礎通常是（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.在健康保險中，一般均對一些金額較低的醫(yī)療費用采用免賠額的規(guī)定，即（B）。A.保險人只負責低于免賠額的部分B.保險人只負責超過免賠額的部分C.保險人只負責等于免賠