保险基本原理第 579 / 716 题
Insurers combat adverse selection primarily through:
a.Increasing their advertising budgets
b.Shortening the policy's free-look period
c.Underwriting, medical questions, exclusions, and waiting periods that screen higher-risk applicants
d.Paying producers substantially higher commissions so they will bring in a larger overall volume of new insurance applicants
解析
Adverse selection, the tendency of higher-risk people to seek coverage, is controlled by careful underwriting and provisions that filter or price risk. Advertising, commissions, and free-look length do not address it.
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同考点相关题目
- The principle of indemnity, which limits recovery to the actual amount of a loss, generally does NOT apply to life insurance because a life policy is:
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- Which relationship most clearly satisfies insurable interest for a life insurance policy?
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)