Questões de Língua Inglesa da ESAF

#Questão 486339 - Língua Inglesa, Interpretação de Texto, ESAF, 2001, SUSEP, Analista Técnico

Read the text below in order to answer questions 16 to 18.

INSURANCE AGENTS

Insurers deliver their insurance products to policyowners primarily through independent or exclusive agents. Historically, almost all insurance agents were independent business people paid on commission. More recently, many insurance companies have adopted a system where the agent is a paid employee of the firm. These agents are referred to as exclusive agents. Economists studying the differences between these two distribution systems have long argued that the independent agency system is a less efficient method of getting the product to the customer as measured by the ratio of expenses incurred to premiums written and other statistics. But recent studies suggest the reason for the higher expenses with independent agents is that they offer higher quality to policyowners through more personalized service, more advice on policy limits as well as more help when a claim is filed with the company. So one thing you could consider is how much guidance and service you want.

The author

A)

has proposed higher investments in the exclusive system in the future.

B)

suggests that policy holders must provide more personalized feedback.

C)

has shown two distinguishable systems of distribution.

D)

has been researching alternative ways of filing a claim.

E)

has devised two distinguishable systems of distribution.

#Questão 486341 - Língua Inglesa, Interpretação de Texto, ESAF, 2001, SUSEP, Analista Técnico

Read the text below in order to answer questions 16 to 18.

INSURANCE AGENTS

Insurers deliver their insurance products to policyowners primarily through independent or exclusive agents. Historically, almost all insurance agents were independent business people paid on commission. More recently, many insurance companies have adopted a system where the agent is a paid employee of the firm. These agents are referred to as exclusive agents. Economists studying the differences between these two distribution systems have long argued that the independent agency system is a less efficient method of getting the product to the customer as measured by the ratio of expenses incurred to premiums written and other statistics. But recent studies suggest the reason for the higher expenses with independent agents is that they offer higher quality to policyowners through more personalized service, more advice on policy limits as well as more help when a claim is filed with the company. So one thing you could consider is how much guidance and service you want.

According to the text, economists

A)

have proposed a system called independent distribution system.

B)

have questioned the efficiency of the independent system.

C)

are responsible for delivering the premium to the policy holders.

D) have been advising professional insurance agents.

E) specialize in providing legal consultancy.

#Questão 486343 - Língua Inglesa, Interpretação de Texto, ESAF, 2001, SUSEP, Analista Técnico

Read the text below in order to answer questions 16 to 18.

INSURANCE AGENTS

Insurers deliver their insurance products to policyowners primarily through independent or exclusive agents. Historically, almost all insurance agents were independent business people paid on commission. More recently, many insurance companies have adopted a system where the agent is a paid employee of the firm. These agents are referred to as exclusive agents. Economists studying the differences between these two distribution systems have long argued that the independent agency system is a less efficient method of getting the product to the customer as measured by the ratio of expenses incurred to premiums written and other statistics. But recent studies suggest the reason for the higher expenses with independent agents is that they offer higher quality to policyowners through more personalized service, more advice on policy limits as well as more help when a claim is filed with the company. So one thing you could consider is how much guidance and service you want.

The text suggests that exclusive agents

A) are not paid employees of the company

B) have long been paid on commission

C) were the first category of insurance agents

D) are part of the current distribution system

E) have been providing below the average service

#Questão 486579 - Língua Inglesa, Interpretação de Texto, ESAF, 2001, BACEN, Analista (Prova 1

Read the text below in order to answer questions 37 to 40:

Shocks to the system

At the start of the year, it was not uncommon to hear businessmen saying that Brazil was enjoying its best economic conditions for a generation. The country appeared to be well on the way to a period of sustained economic expansion. Most economists were looking to another strong year of growth, with gross domestic product expanding by 4.5 per cent in 2001, on top of 4 per cent in 2000. Real interest rates were about to fall to single digits for the first time in decades.

However, within just a few months, the outlook for the Brazilian economy has deteriorated dramatically. A whole series of unexpected factors are to blame. "We have been confronted by a series of shocks", admits Armínio Fraga, president of the central bank.

The main cause of this turnaround has been the energy crisis. It had been well known for several years that Brazil ran the risk of power shortages because the expansion of capacity was not accompanying growth in demand, leaving the reservoirs that fuel the power stations precariously low. Yet, even with so much advance warning, the introduction of rationing still came as a surprise.

According to the text,

A) the energy crisis made interest rates decrease.

B)

the president of the central bank predicted the crisis.

C) Brazil was able to avert the energy crisis.

D) more than one element affected Brazil's economy.

E) advance warning could have avoided the crisis.

#Questão 486581 - Língua Inglesa, Interpretação de Texto, ESAF, 2001, BACEN, Analista (Prova 1

Read the text below in order to answer questions 37 to 40:

Shocks to the system

At the start of the year, it was not uncommon to hear businessmen saying that Brazil was enjoying its best economic conditions for a generation. The country appeared to be well on the way to a period of sustained economic expansion. Most economists were looking to another strong year of growth, with gross domestic product expanding by 4.5 per cent in 2001, on top of 4 per cent in 2000. Real interest rates were about to fall to single digits for the first time in decades.

However, within just a few months, the outlook for the Brazilian economy has deteriorated dramatically. A whole series of unexpected factors are to blame. "We have been confronted by a series of shocks", admits Armínio Fraga, president of the central bank.

The main cause of this turnaround has been the energy crisis. It had been well known for several years that Brazil ran the risk of power shortages because the expansion of capacity was not accompanying growth in demand, leaving the reservoirs that fuel the power stations precariously low. Yet, even with so much advance warning, the introduction of rationing still came as a surprise.

Which aspect is not mentioned in the text?

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