保险基本原理第 353 / 716 题
To say an insurance contract is 'aleatory' means that:
a.The dollar amounts the two parties exchange may be unequal and depend on chance
b.Benefits are paid only if the stated policy conditions are first satisfied
c.Only one of the two parties makes a legally enforceable promise to perform
d.It is drafted by the insurer and offered to the applicant on a take-it-or-leave-it basis
解析
An aleatory contract is one in which the values exchanged are unequal and depend on an uncertain event: an insured may pay small premiums and collect a large benefit, or pay premiums and collect nothing. A contract where only one party promises is unilateral. A take-it-or-leave-it contract is one of adhesion. A contract that pays only if conditions are met is conditional. Aleatory specifically captures the element of chance in the exchange of value.
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同考点相关题目
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- The doctrine that both parties to an insurance contract rely on the honesty and full disclosure of the other is known as:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)