保险基本原理第 357 / 716 题
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:
a.Warranty
b.Waiver
c.Concealment of a known material fact
d.Representation
解析
A representation is a statement the applicant believes to be true to the best of their knowledge; it need only be substantially true, and only a material misrepresentation gives grounds to void the policy. A warranty is a statement guaranteed to be literally and absolutely true. Concealment is the deliberate withholding of a known material fact. A waiver is the voluntary giving up of a known right. Application statements in life and health insurance are treated as representations, not warranties.
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同考点相关题目
- An insurance policy is described as a 'unilateral' contract because:
- 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:
- The intentional withholding of a known material fact during the application process is called:
- A misrepresentation on an application generally allows an insurer to void the policy only when the misstatement was:
- A producer exceeds the powers actually granted by the insurer, but a reasonable applicant believes the producer is acting for the insurer. The producer is exercising:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)