GNP Questionnaire for Provisional Certificate Type A

By. Regina Diaz

1. A person who buys health insurance with the intention of taking care of his finances, what
attitude is he taking towards the risk?
Transfer it to
2. Alicia Gómez has stopped the flooding of her patio due to the overflowing of the Bordo de
Xochiaca by means of a barrier of sacks.
Decrease it
3. It is the risk that refers to the possibility of an event causing damage resulting in losses.
Pure
4. These are the risks that refer to civil liability arising from damage to another's property or
unintentional damage to a person:
Risks affecting third parties
5. What is the purpose of Personal Insurance?
To provide protection of the person's existence and health.
6. What are the risks covered by GNP in Individual Life?
Protection / Retirement / Savings
7. What is the rate that analyzes the diseases or accidents occurring in the population in a
period called?
Morbidity
8. What is the premium paid to the Insurer in a series of equal payments, over a specified
period of time?
Level Premium
9. It is the financial compensation paid by the Insurer for the claim.
Indemnification
10. The cash payment, repair or replacement of the property in a loss is called:
Indemnification
11. Name given to the Insurance Company, which assumes a risk, prior direct and personal
agreement with the Insured:
Insurance
12. If an Insurance Agent provides false information to its Clients, which institution will
sanction such Agent?
National Insurance and Bonding Commission
13. What is the Law that regulates the Insurance Contract?
Insurance Contract Law
14. Which entity assumes the damages or economic consequences caused by the occurrence
of an event whose risk is the subject of coverage?
Insurance
15. The person designated in the policy as the holder of the indemnity rights.
Beneficiary
16. It is one of the characteristics of the insurance contract, which establishes the existence of
the payment of a premium and indemnity or Sum Insured.
Onerous
17. It is a requirement to be an Insurance Agent as a Natural Person:
Completion of at least high school or its equivalent.
18. Of the following options, which is a cause for not obtaining the Agent's authorization?
To be a breakdown adjuster
19. Who has priority over the Agent's policy portfolio in case he/she wants to sell it?
The successor
20. When an Insurance Agent dies, who is entitled to collect the respective commissions?
Legitimate successors
21. The death, disability or survival protection provided by the Insurer in the policy is called:
Coverage
22. The temporary plan is also known as Seguro Puro (Pure Insurance).
Offers protection exclusively for the contracted risks, no recovery of premiums paid.
23. Which of the following characteristics does not correspond to a temporary plan?
Premium and term are the same
24. It is the Insurance that covers during the whole life, the premium payment period is less
than the term, it indemnifies only if the Insured dies or reaches 100 years of age.
Ordinary Life Insurance
25. What is the name of the fund where all the premiums are accumulated?
Reservation
26. What is the accumulated reserve that can be used by the Insured as of the third year?
Guaranteed value
27. What is the guaranteed value that maintains the sum insured for death but reduces the
term of protection?
Extended Insurance***
28. In the Flexible Plans, what is the cost of death protection called?
Administrative cost
29. What are the characteristics of Coverage II in a Flexible Plan?
Upon the death of the Insured, the insured sum plus the reserve is delivered.
30. What happens in the event of the death of one of the Joint Lives Assureds?
100% of the sum insured will be paid to the surviving Insured and the plan is cancelled.
31. The economically unfavorable eventuality that may occur is called:
Risk
32. The risk must arise from an act or event beyond human control, therefore, it is
Fortuitous
33. These are risks derived from direct damage to assets, for example, loss of profits, income,
sales due to a risk affecting a business or company:
Consequential risks
34. Type of insurance that covers the possible loss due to property damage caused by a claim
Damages
35. What is the non-profit entity constituted under the principles of solidarity and mutual aid?
Mutuality
36. What is the Premium that reflects the distribution of the cost of death depending on age
and place of residence?
Natural Premium Ascending
37. What is the name given to the charge made to the premium because of a higher risk than
contemplated?
Extraprima
38. What is the name given to the event that causes specific damages that are covered by the
policy?
Siniestro
39. Natural or legal person who has the obligation to pay the premium?
 Contractor
40. What is the main law regulating the insurance sector?
General Law of Insurance Institutions and Mutual Insurance Companies (Ley General de
Instituciones y Sociedades Mutualistas de Seguros)
41. What does a foreign insurance company require to be legally valid in Mexico?
Authorized by the Ministry of Finance and Public Credit.
42. Which entity assumes the damages or economic consequences caused by the occurrence
of an event whose risk is the subject of coverage?
Insurance
43. Any economic interest that a person has in the non-occurrence of a loss is the definition
of:
Insurable interest
44. What is the statute of limitations period for accidental death insurance claims?
5 years
45. How long is the provisional authorization valid?
18 months
46. How many business days do Agents have to deposit the premiums they have collected
directly with the Company?
10 working days
47. What is the name given to the action of making the assets obtained through a crime
appear as the product of various licit investments and circulate smoothly within the
Financial System and the formal economy?
Money Laundering
48. What is the coverage that protects and preserves the economic balance of a family in the
event of premature death?
Death
49. The purpose of Life Insurance or Whole Life Insurance is to
Lifetime protection for the Insured
50. What is the name of the sum insured contracted for death and accidental death coverage?
Pure insurance
51. It is the guaranteed value that the Insured recovers in the event of cancellation of the
policy:
Rescue
52. When are Short-Term Dotales yields credited?
Until policy anniversary
53. What are the items that will be deducted monthly from the premium of a flexible plan?
Cost of pure insurance, administrative cost and coverage management cost
54. One of the characteristics of the insurable risk is that it must be capable of occurring:
Possible
55. It is the risk that refers to the possibility of an event causing damage resulting in losses.
Target
56. According to the General Law of Insurance Institutions and Mutual Insurance Companies,
insurance is divided into three operations:
Life / Accident and Sickness / Property and Casualty
57. Figure designated in the policy to receive the Sum Insured or Indemnity:
Beneficiary
58. It is the characteristic of the insurance contract, which is established in the contract where
it seeks to cover uncertain events.
 Random
59. The Seguro Dotal is a plan designed to...
Protection for death but not for survival????
Generating savings while providing protection
Pay for it in the short term and be protected for life
Protecting the whole of life
60. It is a feature of the Seguro Dotal
In the event of death or survival at the end of the term, the Insurer shall pay in the
following cases
61. When are Short-Term Dotales yields credited?
Until policy anniversary
62. This coverage protects the Insured in case of death due to an injury or injuries resulting
from an accident, caused by violent, sudden and fortuitous events, and when death occurs
within 90 days after the date of the accident:
Accidental Death
63. The Ramirez family has a contingency fund, which is used for any accident that may occur
to any member of the family.
Assume it
64. It is the risk that affects a large number of people, goods or territories, causing material
and human losses.
Catastrophic
65. What is the name of the table that analyzes the proportion of people who die in a period?
Mortality
66. What is the name of the premium calculated from the mortality table?
Pure Risk Premium
67. What is the Insurer committed to when a covered loss occurs?
To partially or totally reimburse the damage with the contracted sum insured.
68. Which of the following bodies has the purpose of advising, protecting and defending the
rights of users against financial institutions?
National Commission for the Protection and Defense of Financial Services Users (Comisión
Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros)
69. It is the highest legal body in charge of establishing the bases for the authorization,
organization and operation of Insurance Institutions:
Ministry of Finance and Public Credit
70. What is the Law that regulates the Insurance Contract?
Insurance Contract Law
71. From how long is suicide covered for the Insured?
In the second year
72. How often do I have to update my cedula definitiva?
3 years
73. This is the maximum age at which protection will be granted to the Insured; it is called:
Reached