保险基本原理第 239 / 531 题
The structural difference between a stock insurer and a mutual insurer is that the mutual insurer:
a.issues assessable policies in each and every line that it writes
b.pays out its underwriting profit as stock dividends
c.is owned by shareholders who elect its board members
d.is owned by its policyholders, who may receive dividends
解析
A mutual insurer is owned by the policyholders it insures, and any divisible surplus is returned to them as policyholder dividends rather than paid out to investors. A stock insurer is owned by shareholders who elect the board and receive stock dividends, which is the description offered in two of the wrong answers. Assessable policies exist in some mutuals but are not a feature of every mutual line.
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