[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fGztsqIwqsLLE4nN-kxeHLVF1QJaG_99mN59pvLPYCQE":3},{"id":4,"source":5,"question":6,"options":7,"answer":12,"related":13,"type":24,"origin":113,"createTime":26},183827044,"v1","甲为已投保一份以死亡为给付保险金条件的人身保险合同,受益人栏填写\"法定\",未约定受益顺序和份额.一年后,甲突发意外亡,下列说法正确的是",[8,9,10,11],"甲未履行如实告知义务,保险公司可以解除合同","保险公司无需给付保险赔偿金","保险赔偿金由甲的妻子和儿子平均分配","受益人约定为\"法定\",该受益人的约定无效",[],[14,27,38,48,52,62,73,83,93,103],{"id":15,"source":5,"question":16,"options":17,"answer":22,"related":23,"type":24,"origin":25,"createTime":26},183827041,"陈某为45岁的妻子王某投保人身险,约定缴费期20年,保险赔偿金40万元.受益人为陈某及其儿子陈小某,陈某缴纳5年保险费后,由于自身所开办的公司收益下降,无力承担保险费用,遂要求解除保险合同.以下说法正确的是",[18,19,20,21],"陈某有任意解除保险合同的权利","解除保险合同需经过妻子王某同意","除非与保险人协商一致,否则陈某无权解除保险合同","解除保险合同需要经过陈小某同意",[],[],0,null,"2025-06-06T18:51:17+08:00",{"id":28,"source":5,"question":29,"options":30,"answer":35,"related":36,"type":24,"origin":25,"createTime":37},183827042,"2005年张某40岁,老婆李某为他购买了一份人寿保险,保险合同约定当张某65岁以后可返还30万元,保险费每年1万元,交费期20年,每年8月1日缴纳保险费.至2014年8月1日,李某每年按时交保险费1万元,从未间断.2015年2月,李某和张某夫妻关系恶化,李某不愿意继续缴纳保险费,遂在2015年8月未及时缴纳当期保险费,保险公司催缴后李某也没缴纳.2016年2月,张某罹患肝癌,住院花去医费60万元.李某想补交保险费并申请赔偿,下列说法正确的是",[31,32,33,34],"保险公司在收到李某提出的恢复效力申请后,如果30日内未明确拒绝的,应认定为同意恢复效力","截至2016年2月李某未支付当期保险费,保险公司有权解除保险合同","保险公司应该赔偿60万元","保险公司应该赔偿30万元",[],[],"2025-06-06T13:15:32+08:00",{"id":39,"source":5,"question":40,"options":41,"answer":46,"related":47,"type":24,"origin":25,"createTime":26},183827043,"甲公司为本公司的客车投保了交强险和商业三者险,公司的司机郑某在开车的时候撞到路边的护栏,导致护栏损坏,价值10万元.同时车上的乘客王某受轻微伤,郑某也受伤.因为发生交通事故,王某错过了投标,造成经济损失100万元.下列有关说法正确的是",[42,43,44,45],"护栏的损害由交强险和商业险赔三者险赔偿","王某的人身损害由交强险和商业三者险赔偿","郑某的人身损害由交强险赔偿","王某错过投标的经济损失由商业三者险赔偿",[],[],{"id":4,"source":5,"question":6,"options":49,"answer":50,"related":51,"type":24,"origin":25,"createTime":26},[8,9,10,11],[],[],{"id":53,"source":5,"question":54,"options":55,"answer":60,"related":61,"type":24,"origin":25,"createTime":26},183827045,"张三为中天公司调试某设备,双方约定,如果因张三的原因造成损失,张三只需要承担10%的赔偿责任.后来,中天公司为该设备投保损失险,未将与张三的约定告知保险公司,保险公司也未询问针对此设备有无免责约定,不久,张三在调试设备时因擅自修改设备参数,造成火灾,中天公司损失10万.下列说法正确的是",[56,57,58,59],"保险公司向中天公司赔偿后,可向张三追偿十万","保险公司向中天公司赔偿后,不可向张三追偿","保险公司向中天公司赔偿后,可向张三追偿一万","保险公司主张代位求偿的管辖法院,依保险合同关系确定",[],[],{"id":63,"source":5,"question":64,"options":65,"answer":70,"related":71,"type":24,"origin":25,"createTime":72},183827046,"甲为妻子乙投保了以死亡为给付保险金条件的人身保险,并指定其子小甲为受益人.甲投保时并未征得乙同意,但在后来保险合同回访时,乙称对于保险合同内容知情且对保险条款无异议.2017年甲与乙离婚,小甲由乙抚养.2017年12月,在一次交通事故中,乙与小甲死亡,且不能确定死亡先后顺序.对此,下列说法正确的是",[66,67,68,69],"保险合同有效,保险金归小甲的继承人","保险合同有效,保险金归甲所有","保险合同有效,保险金归乙的继承人","因投保时未经乙同意,故该保险合同无效,保险公司无需赔偿",[],[],"2025-06-06T18:51:18+08:00",{"id":74,"source":5,"question":75,"options":76,"answer":81,"related":82,"type":24,"origin":25,"createTime":72},183827047,"杨某为全家人投保了人身保险同时也为全部家庭财产投保了财产险,在两份保险合同的存续期间,保险公司在下列哪项情况下不享有解除保险合同的权利",[77,78,79,80],"杨某的房屋在保险合同成立后,由于周边环境的改变,出现危险程度显著增加的情形","财产保险中保险事故发生后杨某不积极进行施救的","杨某全家的人身保险合同中都是约定采用分期交纳保险费的方式,但是杨某在支付首期保险费后已超过合同约定的期限2年半未缴纳第2期的保险费的","人身保险中杨某为其母亲申报的年龄不真实,合同成立3个月后保险公司发现被保险人杨某的母亲的真实年龄不符合合同约定的年龄限制",[],[],{"id":84,"source":5,"question":85,"options":86,"answer":91,"related":92,"type":24,"origin":25,"createTime":26},183827048,"杨某为其妻王某购买了某款人身保险,该保险除可获得分红外,还约定若王某意外死亡,则保险公司应当支付保险金20万元.关于该保险合同,下列哪一说法是正确的",[87,88,89,90],"若合同成立2年后王某自杀,则保险公司不支付保险金","王某可让杨某代其在被保险人同意处签字","经王某口头同意,杨某即可将该保险单质押","若王某现为无民事行为能力人,则无需经其同意该保险合同即有效",[],[],{"id":94,"source":5,"question":95,"options":96,"answer":101,"related":102,"type":24,"origin":25,"createTime":26},183827049,"甲以自己为被保险人向某保险公司投保健康险,指定其子乙为受益人.保险合同承保并出具保单.两年后,甲突发心脏病死亡.保险公司经调查发现,甲两年前曾做过心脏搭桥手术.但在填写投保单以及回答保险公司相关询问时,甲均未如实告知.对此,下列哪一选项是正确的",[97,98,99,100],"保险公司虽可不必支付保险金,但须退还保险费","保险公司即便不解除保险合同,仍有权拒绝乙的保险金请求","保险公司有权解除保险合同","因甲违反如实告知义务,保险公司对甲可主张违约责任",[],[],{"id":104,"source":5,"question":105,"options":106,"answer":111,"related":112,"type":24,"origin":25,"createTime":26},183827050,"甲公司代理人谢某代投保人何某签字,签订了保险合同,何某也依约交纳了保险费.在保险期间内发生保险事故,何某要求甲公司承担保险责任.下列哪一表述是正确的",[107,108,109,110],"何某默认谢某代签字有过错,应由何某和甲公司按过错比例承担责任","谢某代签字,应由谢某承担保险责任","甲公司承保错误,无须承担保险责任","何某已经交纳了保险费,应由甲公司承担保险责任",[],[],{"courseName":114,"courseImg":115,"workName":116,"workId":117,"count":118,"courseId":119},"商法学","https:\u002F\u002Ftihai-oss-cloud.itihey.com\u002Fimg\u002F25b30343053994e8940089572d36015b.jpg","","c8cca6aac817455691a11ad8363ca19f",23,"d5577572b59e03f064c6598e6d3de857"]