Questão 1182727

• Banca: ESAF
• Órgão: SUSEP
• Ano: 2006
• Provas: ESAF - 2006 - SUSEP - Analista Técnico - Tecnologia da Informação - Prova 1
• Disciplina: Inglês
• Assuntos: Interpretação de texto | Reading comprehension

Financial and Market Conditions
Source: www.iii.org Jan/2006 (Adapted)

Many forces affect the price, availability and security of the insurance product. Some are external, such as changes in interest rates and the stock market, regulatory activity, the number and severity of natural disasters, growth in litigation and rising medical costs. Others are internal, such as the level of competition

The insurance industry is cyclical. Rates and profits fluctuate depending on the phase of the cycle, particularly in commercial coverages. The profitability cycle may be somewhat different for different types of insurance. While the industy as a whole experienced one of its best years in recent history in 2004 and in the first half of 2005, losses associated with Hurricane Katrina, Rita and Wilma may wipe out the profits of many insurers and force some to raise additional capital. None of the major companies are likely to become insolvent, however.

The text informs us that

• A. the profits made by many insurers might be destroyed due to natural disasters.
  
• B. additional capital would have to be raised so as to assist victims of disasters.
  
• C. insolvency will have to be faced by the major international insurance companies.
  
• D. 2004 may be seen as the least profitable year in the insurance industry’s history.
  
• E. 2005 and 2006 should make up for the financial losses faced by the industry in 2004.

Gabarito: A

Comentários

• a) os lucros realizados por muitas seguradoras pode ser destruído devido ao desastre natural Texto: losses associated with Hurricane Katrina, Rita and Wilma may wipe out the profits of many insurers and force some to raise additional capital