2025年友邦招聘英文筆試題及答案

一、單項選擇題（總共10題，每題2分）1.Whichofthefollowingisakeycharacteristicoftheinsuranceindustry?A.HighliquidityofassetsB.LowrisktoleranceC.Long-terminvestmenthorizonD.Hightransactioncosts2.Inthecontextofinsurance,whatisan"actuary"?A.ApersonwhosellsinsurancepoliciesB.AprofessionalwhoassessesrisksandcalculatespremiumsC.AnagentwhoprovidesinsuranceadviceD.Acompanythatunderwritesinsurancepolicies3.Whatistheprimarypurposeofaninsurancepolicy?A.TomaximizeprofitfortheinsurerB.ToprovidefinancialprotectiontothepolicyholderC.TominimizetheriskoftheinsurerD.Toregulatetheinsurancemarket4.Whichtypeofinsuranceisdesignedtoprovidefinancialprotectionagainstpropertydamage?A.HealthinsuranceB.LifeinsuranceC.PropertyinsuranceD.Autoinsurance5.Whatisthetermfortheamountofmoneythataninsurancecompanychargesforaninsurancepolicy?A.DeductibleB.PremiumC.CopaymentD.Subrogation6.Ininsurance,whatisthetermforthemaximumamountaninsurerwillpayoutonaclaim?A.DeductibleB.LimitofliabilityC.CopaymentD.Subrogation7.Whatisthetermfortheperiodoftimeduringwhichaninsurancepolicyisactive?A.GraceperiodB.PolicytermC.WaitingperiodD.Renewalperiod8.Whatisthetermfortheprocessofaninsurerdeterminingtheriskandsettingthepremiumforaninsurancepolicy?A.UnderwritingB.ClaimsprocessingC.PolicyissuanceD.Premiumadjustment9.Whatisthetermfortheamountofmoneythatthepolicyholdermustpayoutofpocketbeforetheinsurancecompanystartspayingforclaims?A.DeductibleB.PremiumC.CopaymentD.Subrogation10.Whatisthetermforthelegalprinciplethatallowsaninsurertostepintotheshoesofapolicyholdertopursueclaimsagainstathirdparty?A.IndemnityB.SubrogationC.ContributionD.Mitigation二、填空題（總共10題，每題2分）1.Theprocessofassessingrisksandsettingpremiumsisknownas_______.2.Theamountofmoneythataninsurancecompanychargesforaninsurancepolicyiscalleda_______.3.Theperiodoftimeduringwhichaninsurancepolicyisactiveisreferredtoasthe_______.4.Themaximumamountaninsurerwillpayoutonaclaimisknownasthe_______.5.Thelegalprinciplethatallowsaninsurertostepintotheshoesofapolicyholdertopursueclaimsagainstathirdpartyiscalled_______.6.Theamountofmoneythatthepolicyholdermustpayoutofpocketbeforetheinsurancecompanystartspayingforclaimsisknownasa_______.7.Theprocessofaninsurerdeterminingtheriskandsettingthepremiumforaninsurancepolicyiscalled_______.8.Thetermfortheprocessofaninsurerdeterminingtheriskandsettingthepremiumforaninsurancepolicyiscalled_______.9.Thetermfortheperiodoftimeduringwhichaninsurancepolicyisactiveisreferredtoasthe_______.10.Thetermforthemaximumamountaninsurerwillpayoutonaclaimisknownasthe_______.三、判斷題（總共10題，每題2分）1.Anactuaryisaprofessionalwhoassessesrisksandcalculatespremiums.2.Theprimarypurposeofaninsurancepolicyistomaximizeprofitfortheinsurer.3.Propertyinsuranceisdesignedtoprovidefinancialprotectionagainstpropertydamage.4.Theamountofmoneythataninsurancecompanychargesforaninsurancepolicyiscalledadeductible.5.Thetermfortheperiodoftimeduringwhichaninsurancepolicyisactiveiscalledthepolicyterm.6.Theprocessofaninsurerdeterminingtheriskandsettingthepremiumforaninsurancepolicyiscalledunderwriting.7.Thelegalprinciplethatallowsaninsurertostepintotheshoesofapolicyholdertopursueclaimsagainstathirdpartyiscalledsubrogation.8.Theamountofmoneythatthepolicyholdermustpayoutofpocketbeforetheinsurancecompanystartspayingforclaimsisknownasapremium.9.Thetermforthemaximumamountaninsurerwillpayoutonaclaimisknownasthelimitofliability.10.Theprocessofaninsurerdeterminingtheriskandsettingthepremiumforaninsurancepolicyiscalledclaimsprocessing.四、簡答題（總共4題，每題5分）1.Whatarethekeydifferencesbetweenhealthinsuranceandlifeinsurance?2.Explaintheconceptofunderwritingintheinsuranceindustry.3.Describetheroleofanactuaryintheinsuranceindustry.4.Discusstheimportanceofdeductiblesininsurancepolicies.五、討論題（總共4題，每題5分）1.Howdoestheinsuranceindustrycontributetotheoveralleconomy?2.Whatarethemainchallengesfacedbytheinsuranceindustryinthecurrentmarket?3.Discusstheimpactoftechnologyontheinsuranceindustry.4.Howcaninsurancecompaniesimprovecustomersatisfactionandretention?答案和解析一、單項選擇題答案1.C2.B3.B4.C5.B6.B7.B8.A9.A10.B二、填空題答案1.Underwriting2.Premium3.Policyterm4.Limitofliability5.Subrogation6.Deductible7.Underwriting8.Underwriting9.Policyterm10.Limitofliability三、判斷題答案1.True2.False3.True4.False5.True6.True7.True8.False9.True10.False四、簡答題答案1.Healthinsuranceprovidescoverageformedicalexpenses,whilelifeinsuranceprovidesfinancialprotectiontobeneficiariesuponthepolicyholder'sdeath.Healthinsurancetypicallycovershospitalstays,doctorvisits,andprescriptiondrugs,whilelifeinsurancepaysoutalumpsumtobeneficiaries.2.Underwritingistheprocessbywhichaninsurerassessestheriskofinsuringapolicyholderandsetsthepremiumaccordingly.Itinvolvesevaluatingthepolicyholder'shealth,lifestyle,andotherfactorstodeterminethelikelihoodofaclaimandtheappropriatepremium.3.Anactuaryplaysacrucialroleintheinsuranceindustrybyassessingrisks,calculatingpremiums,anddevelopinginsurancepolicies.Theyusestatisticalandmathematicalmodelstoanalyzedataandpredictfuturetrends,helpinginsurerstomakeinformeddecisionsandensurefinancialstability.4.Deductiblesareanimportantfeatureofinsurancepoliciesastheydeterminetheamountthepolicyholdermustpayoutofpocketbeforetheinsurancecompanystartscoveringclaims.Higherdeductiblescanlowerpremiumsbutmayresultinhigherout-of-pocketcostsforthepolicyholderintheeventofaclaim.五、討論題答案1.Theinsuranceindustrycontributestotheoveralleconomybyprovidingfinancialprotectiontoindividualsandbusinesses,promotingriskmanagement,andcreatingjobs.Ithelpstostabilizetheeconomybymitigatingtheimpactofunforeseeneventsandenablingeconomicgrowththroughinvestmentandcapitalallocation.2.Themainchallengesfacedbytheinsuranceindustryincluderisinghealthcarecosts,increasingfrequencyandseverityofnaturaldisasters,regulatorychanges,andtheimpactoftechnology.Insurersmustadapttothesechallengesbydevelopinginno