保险基本原理第 240 / 531 题
A group of subscribers agree to exchange insurance among themselves, and the arrangement is managed for them by an attorney-in-fact. This insurer is:
a.a fraternal benefit society, which operates through a lodge system
b.a captive insurer set up by one parent to fund its own risks
c.a reciprocal exchange, unincorporated and owned by members
d.a risk retention group, which its members own for liability lines
解析
A reciprocal is an unincorporated group of subscribers who insure one another, run by an attorney-in-fact who handles underwriting and claims for the group. A captive is formed by a parent organization to insure that parent's own exposures, and a risk retention group is a member-owned insurer restricted to liability coverage for members in a similar business, so neither uses an attorney-in-fact structure.
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