La controassicurazione

Choose a study mode

Play Quiz
Study Flashcards
Spaced Repetition
Chat to Lesson

Podcast

Play an AI-generated podcast conversation about this lesson

Questions and Answers

  1. La controassicurazione rappresenta

  • a. nelle polizze per il caso di vita, la previsione di una garanzia attraverso la quale, in caso di decesso dell’assicuratonel periodo didurata delcontratto, ipremipagatial nettodelle imposte, rivalutatidi una certa percentuale, sono restituiti agli eredi o ad eventuali beneficiari. (correct)
  • b. una modalità di assunzione pro-quota, da parte di un pool di imprese di assicurazione, di singolirischi
  • c. la stipula di un contratto di assicurazione con più compagnie di assicurazione, per cautelarsi dall’eventuale insolvenza di una di esse;

  1. Quali delle seguenti Riserve tecniche rappresentano delle rimanenze passive?

  • Riserva Matematica e Riserva sinistri.
  • Riserva Premi e Riserva per somme da pagare;
  • . Riserva Premi e Riserva Matematica; (correct)

Non può ricomprendersi tra gli incentivi contro le asimmetrie informative:

  • la franchigia.
  • la ritenzione del rischio; (correct)
  • lo scoperto;

  1. La coassicurazione rappresenta:

<p>c. una modalità di assunzione pro-quota, da parte di un pool di imprese di assicurazione, di singoli rischi (C)</p> Signup and view all the answers

  1. Qual è l’effettiva garanzia dell’assorbimento delle obbligazioni nei confronti degli assicurati?

<p>Attività a copertura delle riserve tecniche (B)</p> Signup and view all the answers

Flashcards are hidden until you start studying

Study Notes

Reinsurance

  • Reinsurance is a form of insurance that is purchased by an insurance company to protect itself from large losses.

Technical Reserves

  • Technical reserves are funds set aside by insurance companies to cover future liabilities. This could be for liabilities arising from life insurance policies, property and casualty policies, and annuities.

Incentives against Information Asymmetry

  • Incentives against information asymmetry are measures designed to reduce the problem of asymmetric information in the insurance market. Information asymmetry occurs when one party to a transaction has more information than the other party, which can lead to unfair outcomes.

Coinsurance

  • Coinsurance is a method of risk sharing where two or more insurance companies share the responsibility for covering a particular risk.
  • It is commonly used for large risks, such as natural disasters, and helps to reduce the financial burden on individual insurers.

Guarantee of Obligations

  • The guarantee of obligations for insurance companies is primarily provided by the company's solvency and the regulatory frameworks that oversee the insurance industry.
  • Regulators monitor the financial health of insurance companies and ensure that they have adequate reserves to meet future claims.
  • The solvency of the insurance company itself provides the primary assurance that obligations to policyholders will be met.

Studying That Suits You

Use AI to generate personalized quizzes and flashcards to suit your learning preferences.

Quiz Team
Use Quizgecko on...
Browser
Open
Browser
Browser