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Question 6 (2 points) Non-financial measures of underwriting performance assess: 1) Actions 2) Results 3) Combined loss and expense ratio 4) Coverage adequacy Question 7 (2 points) Premium auditors contribute to the marketing and sales functions in all of the following ways, EXCEPT: 1) Exhibiting professionalism in contact with the insured 2) Communicating needs for new or additional coverage revealed by visits to the insured 3) Performing timely audits so that the insured knows quickly of premium adjustments needed 4) Offering to understate exposure unit figures to produce a more competitive premium Question 8 (2 points) Accurate premium audits are vital to accurate premium charges for individual policies. Why do they also have a bearing on the actual rates being charged? 1) Because audits are sometimes intentionally rated low to make premium charges more competitive 2) Because the data are provided to advisory rating organization which uses them to develop rates 3) They don't really have that much of a bearing on rate development Because rate surcharges are applied to policies which have been inaccurately rated in prior policy periods Question 9 (2 points Claim handling practices must adhere to legal and regulatory requirements. Insurers put high priority on practices to ensure this adherence. These practices include all but which of the following? 1) Caudits 5 6 7 00 8 9 o 7 Y | G H - G B A 11 B N M Lot Question 9 12 points) Claim handling practices must adhere to legal and regulatory requirements. Insurers put high priority on practices to ensure this adherence. These practices include all but which of the following 1) Claim audits 21 Claim guidelines polides, procedures 3) Increasing producer claim handing authority 4) Supervisor and manager reviews Question 1012 points Incorrect or incomplete premium audits affect insurers in which of the following ways? 1) Additional premiums to pay 9 7 > 1 P G ) N N - M Question 10 (2 points Incorrect or incomplete premium audits affect insurers in which of the following ways? 1) Additional premiums to pay 2) loss of customer retention and goodwill 13) Over payment of premium 4) All of the above Question 11 12 points) The main purpose of underwriting is to 1) Assist in marketing the insurer's products 21 Help producers meet their production goals 2 2 5 6 00 8 9 O T T Y U G H J c K L B N M 3