保险基本原理第 354 / 716 题
An insurance policy is described as a 'unilateral' contract because:
a.The dollar values the two parties exchange depend on chance
b.It is written entirely by the insurer and cannot be negotiated
c.Only the insurer makes a legally enforceable promise to perform
d.Benefits are conditioned on the insured filing a timely proof of loss
解析
In a unilateral contract, only one party (the insurer) makes an enforceable promise; the insured is not legally obligated to continue paying premiums, but if they do, the insurer must honor its promise. Values depending on chance describes an aleatory contract. Benefits conditioned on proof of loss describe a conditional contract. A non-negotiable contract written by one party is a contract of adhesion. Each of these characteristics describes a different feature of an insurance policy.
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同考点相关题目
- In a life insurance contract, what does the applicant provide as their consideration?
- Which element of a legal contract requires that each party be of legal age, mentally competent, and not under the influence of drugs or alcohol?
- To say an insurance contract is 'aleatory' means that:
- When an insurer's duty to pay a claim depends on the insured first meeting requirements such as paying premiums and submitting proof of loss, the contract is:
- The doctrine that both parties to an insurance contract rely on the honesty and full disclosure of the other is known as:
- A statement an applicant makes on an insurance application that is believed true to the best of their knowledge, rather than guaranteed to be literally true, is a:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)