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Insurance Policy

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2009年1月1日，王某分别投保了XYZ寿险公司的投资连结保险和万能保险。投资连结账户现有1000投资单位，每单位赎回价值10元。此时XYZ寿险公司受其他业务的影响，负债增加。在万能保险死亡保险金额的设计上，存在两种方法，分别是：（）①给付保险金额和保单现金价值两者较大者；②保单现金价值与投资账户价值两者较大者；③给付保险金额和现金价值之和；④给付保险金额和现金价值之差。

A. ②③
B. ②④
C. ①③
D. ①④

王某、张某和董某同为一个单位的职工，三人不约而同的投保了各自满意的险种。若董某在投保意外伤害医疗保险的第二天又投保了保额为5万元的失能收入损失保险，意外发生后，其收入从年薪6万元降为年薪2万元，则保险公司还应（）万元保险金。

A. 一次性给付2.5
B. 每年给付5
C. 一次性给付4
D. 每年给付4

At the time of shipment of dangerous goods, the shipper shall, in compliance with the regulations governing the carriage of such goods, have them properly packed, distinctly marked and labeled and notify the carrier in writing of their proper description, nature and the precautions to be taken. In case the shipper fails to notify the carrier or notified him inaccurately, the carrier may have such goods landed, destroyed or rendered innocuous when and where circumstances so require, without compensation. The shipper shall be liable to the carrier for any loss, damage or expense resulting from such shipment.

按CIF EX Ship’s Hold术语成交，卖方应负担从装运港到目的港为止的费用和风险。

A. 对
B. 错