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Free Practice Questions for SEGEM Agency TPYS
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Sample SEGEM Agency TPYS Practice Questions
Try these sample questions to review concepts for the SEGEM Agency TPYS exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 60+ question experience with AI tutoring.
1A shopkeeper distinguishes accidental fire damage from the possibility of earning or losing money on a new product line. How is the fire exposure classified when the possible outcomes are loss or no loss?
A.Pure risk (saf risk)
B.Speculative risk (spekülatif risk)
C.An investment return
D.A certain operating expense
Explanation: Pure risk involves loss or no loss, without a gain outcome from the event itself. The product-line decision is speculative because it can produce a profit as well as a loss; classifying an exposure as pure does not by itself guarantee that a policy covers it.
2A person seeking property insurance must have an economic interest that could be harmed by damage to the property. Which principle does this illustrate?
A.Utmost good faith
B.Insurable interest (sigortalanabilir menfaat)
C.Contribution between insurers
D.Proximate cause
Explanation: Insurable interest connects the insured person to an economic loss if the insured event occurs. TTK Article 1408 addresses the absence of the insured interest when the contract is made and its disappearance during the contract.
3An applicant knows that a warehouse stores flammable materials and answers the insurer's risk questions accurately. Which insurance principle is most directly illustrated?
A.Contribution
B.Subrogation
C.Utmost good faith (azami hüsnüniyet)
D.Indemnity
Explanation: Good faith requires honest dealing about material circumstances affecting the risk. TTK Article 1435 requires disclosure of important matters known, or that ought to be known, when the contract is made; it does not turn every detail into a material fact.
4A retailer has TRY 90,000 of stock insured for a limit of TRY 150,000. A covered accident destroys TRY 60,000 of stock. With no deductible, underinsurance, agreed-value clause or other adjustment, what payment follows the indemnity principle?
A.TRY 90,000, the value of all stock
B.TRY 150,000, the policy limit
C.TRY 0, because only part of the stock was destroyed
D.TRY 60,000, the actual covered loss
Explanation: Indemnity compensates the covered financial damage rather than making a profit available from the accident. With the stated assumptions, TRY 60,000 restores the lost stock value; neither the value of undamaged stock nor an unused limit is additional damage.
5A negligent contractor causes TRY 150,000 of property damage. The property insurer pays TRY 110,000, leaving TRY 40,000 uncompensated. Under TTK Article 1472, how are the existing rights against the contractor divided?
A.The insurer succeeds to rights for TRY 110,000; the insured retains rights for the uncompensated TRY 40,000
B.The insurer succeeds to the entire TRY 150,000 claim, including the unpaid portion
C.The insured can recover TRY 150,000 and retain the TRY 110,000 indemnity as well
D.The contractor is released once the insurer pays any indemnity
Explanation: Subrogation (halefiyet) follows payment and transfers the insured's existing rights up to the indemnity paid. Article 1472 also preserves the insured's rights for a remaining uncompensated portion; the same loss cannot be recovered twice.
6Which institution regulates and supervises Turkey's insurance and private pension sectors?
A.Sigortacılık Eğitim Merkezi (SEGEM)
B.Sigortacılık ve Özel Emeklilik Düzenleme ve Denetleme Kurumu (SEDDK)
C.Türkiye Odalar ve Borsalar Birliği (TOBB)
D.Türkiye Sigorta Birliği (TSB)
Explanation: SEDDK exercises regulatory and supervisory functions for insurance and private pensions. Training, professional registers, and industry representation involve other institutions and should not be confused with prudential supervision.
7Colleagues notice that a technical employee often interrupts customers, but the employee is unaware of this habit. In the Johari Window (Johari Penceresi), where does this information belong before feedback is given?
A.The open area: known to self and others
B.The hidden area: known to self but not others
C.The unknown area: known to neither self nor others
D.The blind area: known to others but not self
Explanation: The blind area contains characteristics others perceive but the person has not recognized. Constructive feedback can move this information into the open area and support better customer communication.
8A customer calls a policy 'comprehensive,' while the employee uses that word for a particular package with exclusions. What should the employee do first to reduce a perception-based misunderstanding?
A.Ask which losses the customer expects to be covered, then compare those expectations with the actual terms
B.Repeat the package name more slowly and proceed with the sale
C.Use the customer's word in the proposal without discussing its meaning
D.List every available insurance branch before asking about the customer's concern
Explanation: People can attach different meanings to the same word. Clarifying the expected protection and checking it against the policy resolves the substantive misunderstanding rather than merely repeating a label.
9A customer angrily disputes a claim delay and mentions a document already sent twice. The employee has not checked the file and feels accused. Which response best combines conflict management with reliable complaint handling?
A.Explain the standard document list immediately and ask for everything again
B.Acknowledge the frustration, summarize the missing-document issue, check the file, and agree a specific follow-up
C.Promise payment today to lower the customer's anxiety, then investigate
D.Transfer the call without a summary so the next employee can form an independent view
Explanation: The response recognizes emotion while separating the reported facts from assumptions about fault or coverage. Checking the file and agreeing follow-up makes the conversation useful without promising an unverified claim outcome.
10During a policy explanation, a customer becomes quiet and looks uncertain. How should technical personnel use this nonverbal cue?
A.Treat silence as agreement and move to payment
B.Infer that the customer is concealing a material risk
C.Ask a neutral question to check understanding before continuing
D.Repeat the explanation at greater speed to maintain attention
Explanation: Nonverbal behavior can signal uncertainty, but does not reliably establish its cause. A neutral understanding check lets the customer explain the concern without the employee assigning an unsupported motive.
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