CII Insurance Business and Finance (IBF) 認定 M92 試験問題:

1. If a company were to outsource specialist-claims handling services and extend the current 30 day period of credit given to brokers was extended to 90 days then what would be the consequence?

A) Financial resources will be impaired
B) The combined operating ratio will improve
C) Premium income will accelerate
D) The solvency margin will immediately increase

2. The term 'unearned premium' in UK's accounts will be shown as

A) a note to the accounts only.
B) an asset.
C) shareholder equity.
D) a liability.

3. Which document sets out a company's name and registered office?

A) The Articles of Association.
B) The Memorandum of Association.
C) The Chairman's Statement.
D) The registration document / Certificate of Incorporation.

4. When looking at the financial strength of an insurance company, a rating agency's methodology takes into account the company's capital adequacy which represents its

A) the number of policies in force.
B) the market share in its chosen lines.
C) quality and level of capital required to run the business.
D) its total gross premium income only.

5. The internal rate of return is most commonly used to measure the...?

A) claims settlement time.
B) viability of undertaking future projects.
C) current return on equity.
D) solvency coverage ratio.

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