保险基本原理第 358 / 716 题
The intentional withholding of a known material fact during the application process is called:
a.A representation
b.A warranty
c.Concealment
d.Estoppel
解析
Concealment is the deliberate failure to disclose a material fact that the applicant knows and that the insurer would want to know; if material, it can give the insurer grounds to void the contract. A warranty is a guaranteed-true statement. A representation is a statement believed true when made. Estoppel is a legal principle preventing a party from asserting a right it previously gave up or contradicted. Concealment is distinguished by the intent to hide relevant information.
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同考点相关题目
- 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:
- 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:
- The powers a producer is specifically granted in the written agency agreement with the insurer are called:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)