大全18-9

[lichard]

大全-18-9. Technically a given category of insurance policy is underpriced if, over time, claims against it plus expenses associated with it exceed total income from premiums. But premium income can be invested and will then yield returns of its own. Therefore, an underpriced policy does not represent a net loss in every case.
The argument above is based on which of the following assumptions?
(A) No insurance policies are deliberately underpriced in order to attract customers to the insurance company offering such policies.
(B) A policy that represents a net loss to the insurance company is not an underpriced policy in every case.
(C) There are policies for which the level of claims per year can be predicted with great accuracy before premiums are set.
(D) The income earned by investing premium income is the most important determinant of an insurance company’s profits.
(E) The claims against at least some underpriced policies do not require paying out all of the premium income from those policies as soon as it is earned.
Ans:E
我選c,最主要是題目的 意思沒有看懂,有哪位仁兄可以好心幫忙解釋一下題意嗎??謝謝

[sleeplessboy[origen]]

哇! 這題題目好難喔. 讀過第一次還不怎麼懂, 讀第二次才懂意思, 考試如果遇上這一類題目真不知該怎麼辦.

我來試試看

嚴格的說來, 經過了一段時間, 當一個保險的索賠加上相關的開消是高於它所收的保險費, 它會被分類為不賺錢(或低於賺錢標準價格)的保險, 雖然收來的保險費可以去做投資, 然後會獲得利潤. 所以並不是沒一個不賺錢(或低於賺錢標準價格)的保險就代表淨虧損

小弟有翻不好的地方再多多指教

[Huang Hsin-Yi]

結論: 每個低於成本的保險,並不會淨虧損,因為收來的保費可用來投資並獲得利潤

assumption:至少有些低於成本的保險的索賠,不會被索賠到超出保費所賺的錢