SET 3.

Question 1. Choose the appropriate phrase to fill in the blank: “The premium
is _____.”

OPTION 3: PRICE OF INSURANCE PRODUCT

---------Question 2. Determining the premium of insurance business must be

based on the principle that:

OPTION 3: BOTH OF THE ABOVE PRINCIPLES ARE CORRECT

---------Question 3. Which of the following factors does not affect the net
premium in term insurance? (Nhân tố không ảnh hưởng đến phí bảo hiểm
thuần trong bảo hiểm tử kỳ)

OPTION 4: LIFE EXPECTANCY OF THE RESIDENT ( tuổi thọ của ng dân)

---------Question 4. Which of the following factors induce the least effect on life
insurance premiums?

OPTION 3: EDUCATION OF THE INSURED

---------Question 5. Which of the following factors induce the least effect on

net premiums in civil liability insurance? (Nhân tố ít ảnh hưởng nhất đến phí
bảo hiểm thuần trong bảo hiểm nhân sự)

OPTION 3: BRAND

---------Question 6. In insurance pricing, which of the following factors affects

the surcharge of life insurance products? (Phụ phí)

OPTION 4: TAX RATES OF CORPORATE INCOME APPLIED TO THE

INSURANCE COMPANY.

---------Question 7. Technical interest rates of the life insurance company are

known as: (lãi suất kỹ thuật của công ty bảo hiểm là)

OPTION 2: INTEREST RATES USED TO CALCULATE THE LIFE

INSUARANCE COMPANY’S 

---------Question 8. Which of the following is not the assumption applied when

calculating the net premium for life insurance products? (

OPTION 4: REINVESTMENT RATES ARE SUBJECT TO CHANGE

---------Question 9. What is the most important principle that applies to the net
premium calculation? (Nguyên tắc quan trọng nhất trong tính phí ròng)

OPTION 1: THE LAW OF THE MAJORITY.

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---------Question 10. Which of the following is true? 

OPTION 1: THE NET PREMIUM IS PART OF THE GORSS PREMIUM

---------Question 11. What is the basis for determining the ceiling of technical
interest rates in insurance premiums? ( cơ sở xác định Trần lãi suất kỹ thuật
trong định phí bảo hiểm là gì)

OPTION 1: AVERAGE INTEREST RATES ON LOANS GRANTED BY THE

STATE ( lãi suất bình quân)

---------Question 12. What is the characteristic of technical interest rates in

insurance pricing? ( lợi suất kỹ thuật trong định phí bảo hiểm có đặc điểm gì)

OPTION 2: LESS THAN THE ACTUAL INTEREST RATE OF THE

INVESTMENTS OF THE INSURANCE ENTERPRISE.

---------Question 13. What is the purpose of insurance premium provisions?

( mục đích của doanh nghiệp bảo hiểm khi dự phòng phí bảo hiểm là gì)

OPTION 4: ENSURE SOLVENCY (đảm bảo khả năng thanh toán)

---------Question 14. Choose the wrong answer: ( chọn câu trả lời sai)

OPTION 2: DURING THE PREMIUM - PAYING PERIOD FOR WHICH THE

POLICYHOLDER DOES NOT MAKE PAYMENTS, IF ANY LOSS 

---------Question 15. In the human insurance policy, in the case when the
purchaser of insurance announces the wrong age (unintentionally) of the
insured, which increases the premiums, but the correct age of the insured is
still of the insured age group, then:

OPTION 

---------Question 16. In case there is a change in factors that serve as a basis

for calculating the premium, leading to a reduction in the insured risks, the
purchaser of insurance could:

OPTION 1: 

---------Question 17. Choose the appropriate phrase to fill in 2 blanks:

“Insurance premiums will be calculated by the insurer based on _____
required by the customer and _____ of the specific insurance case”.

OPTION 4: SUM INSURED/ LEVEL OF RISK

---------Question 18. What is the pre-calculated premium and notified to the

customer before signing the contract?

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OPTION 

---------Question 19. What is the net premium?

OPTION 3: THE FEES ALLOWING THE INSURER TO GUARANTEE

COVERAGE FOR INSURED LOSSES WHEN IT OCCURS

---------Question 20. What is the basic criterion of dividing gross premium into
net premium and surcharge? ( 
OPTION 2: PURPOSE  OF USE