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投保人、受益人故意制造保险事故的，保险人有权解除合同，不承担赔偿或者给付保险金的责任并且不退还保险费。( )
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我国保险法规定被保险人或者受益人谎称发生了保险事故向保险人提出赔偿或者给付保险金请求的保险人有权解除
投保人被保险人或者受益人故意制造保险事故的保险人有权解除保险合同不承担赔偿或者给付保险金的责任
在人身保险合同中投保人被保险人或受益人故意制造保险事故且投保人已交纳2年以上保险费的
保险人无权解除保险合同
保险人有权解除保险合同，但应在扣除手续费后退还保险费
保险人有权解除保险合同，并向受益人退还全额保险费
保险人有权解除合同，但应退还保险单的现金价值
在人身保险合同中投保人被保险人或受益人故意制造保险事故且投保人已交纳2年以上保险费的
保险人有权解除保险合同，但应在扣除手续费后退还保险费
保险人有权解除保险合同，并向受益人退还全额保险费
保险人无权解除保险合同
保险人有权解除合同，但应退还保险单的现金价值
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Althoughsomebusdrivershavesignedthecollectivepayagreementtherearemanyarerefusingtodoso.
NewVacationPolicy Allvacationdaysmustbetakenwithinthecalendaryearwithwrittenrequestssubmittedandapprovedbyyourdirectsupervisors: 1.Allnewemployeesareentitledto3weeks’paidvacationperyear. 2.Anyemployeeontheirprobationaryperiodwillnotbeincludedunderpolicyuntilhis/her3monthsisup. 3.Allvocationrequestsmustbemadeinwritingatleast2weeksinadvanceofyourrequesteddates.Thesewillbeapprovedatthediscretionofyoursupervisoraccordingtoyourdepartmentalworkloadrequirements. 4.Allvacationdaysmustbetakenwithinthecalendaryear.Otherwiseyouwilllosethem. 5.Onlyonepersonperindividualdepartmentmaybeawayonvacationforaperiodofaweekormoretoensuresufficientstaffingisavailableineachdepartment. 6.Employeeswillreceiveanextraweekofvacationtimeforevery5yearsofadditionalservice. 7.Amaximumoftwoweeks’vacationatonetimemaybetaken.Certainrequestsforlongerperiodofvacationmaybeconsideredforexceptionalcircumstances.Pleaseseeyoursupervisorifthisisapplicable. 8.Westronglyencourageallouremployeestospreadoutyourvacationdaysandenjoythemselves. VacationRequestMemo To:SallyBensonSupervisorHumanResources From:MaryBlack Date:January52007 Re:VacationRequestforJanuary25-February82007 Sally ThisisamemotogiveyouadvancenoticeofmyrequestformyupcomingvacationdaysofJanuary25-February8. AswritteninthevacationpolicyIamprovidingamplenoticeofmyrequesteddays.Sohopefulthese2weekswillbeokaytobeawayfromtheoffice.Weareplanningafamilyreunionwhichhadbeenplannedforthelastcoupleofyears. IknowthatIhavejustrecentlyjoinedthecompanyandnormallywouldneedtowaituntilmyprobationaryperiodisoverbeforetakinganyvacationdays.HoweverasyoumayrecallthisrequestforsomeadvancedayswasdiscussedandagreedtoinournegotiationmeetingsinlateNovember. Thankyouforyourunderstanding.Iwillmakesurethatmyworkiscoveredtoavoidanydisruptioninmyprojects. Mary Whichofthefollowinginformationistrue
TheFormicaFamilyandCommunityClubareproudtobringyoutheannualFormicaSeasonofFun.BeginningonFebruary3andfinishingonFebruary23theSeasonofFunprovideslocalresidentswithafantastic27ofexcitingandeducationalevents. TheprogramincludesaTeddyBears’picnicatHoldenParkanAdventurePlaygroundChallengeatthesamevenuefreestreettheaterinthecentralcityandaCommunityFunrunthroughtheViraMarineReserve. 28ofthescheduledeventswillbeopentoall-comers.Howeverthoseinterestedintheplaygroundchallengewillneedtoregisterinadvancebecausespaceislimited.TofindoutmoreabouttheprogramforthisupcomingfestivalvisittheFormicaFamilyandCommunityClubwebsiteand29onthelinktotheFormicaSeasonofFun. Welookforwardtoseeingyouallthere. 29
PreferredCustomerCard ApplicationProcedure PleasecompletetheattachedformatleasttwoweekspriortoyournextvisittoTrinitySpa.AphotocopyofsomephotoidentificationmustbeincludedaswellasfullpaymentforadministrativefeesinordertoassurethefullbenefitsofthePreferredCustomerstatusasoutlinedinourinformationpackage.Pleasesendthecompletedformbyfax416538-2099totheattentionof"ThePreferredCustomerCardAdministrator"ortothefollowingaddress: "ThePreferredCustomerCardAdministrator" TrinitySpa1HazeltreeLaneTorontoON Pleaseallowtwoweeksforproperprocessing.IfyouhaveanyquestionsorcommentspleasesendanemailtoPCCA@trinityspa.org.WearelookingforwardtowelcomingyouasaPreferredCustomer. TrinitySpaPreferredCustomerCardApplicationForm PersonalInformation FirstName:Sally Surname:Hancock Pleasecheck:Mr.Mrs.√Miss.Ms.Dr.Other DateofBirth:October161976 MailingAddress:345UniversityStreetSuite305 TorontoOnCanadaM5M-3B9 PreferredServices: 1.Facialmassage 2.Aromatherapy 3.AcuChi Homephone:755-4900 BusinessPhone:243-2840. Fax.No.areacode:416-243-0400 E-mail:sally@pj.com CARDPICKUPMETHOD √Pickupatcustomerservicecenter Bymail SallyHancockMondaySeptember252006 SignatureofapplicantDate Howcansomeonemakefurtherinquiries
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TheFormicaFamilyandCommunityClubareproudtobringyoutheannualFormicaSeasonofFun.BeginningonFebruary3andfinishingonFebruary23theSeasonofFunprovideslocalresidentswithafantastic27ofexcitingandeducationalevents. TheprogramincludesaTeddyBears’picnicatHoldenParkanAdventurePlaygroundChallengeatthesamevenuefreestreettheaterinthecentralcityandaCommunityFunrunthroughtheViraMarineReserve. 28ofthescheduledeventswillbeopentoall-comers.Howeverthoseinterestedintheplaygroundchallengewillneedtoregisterinadvancebecausespaceislimited.TofindoutmoreabouttheprogramforthisupcomingfestivalvisittheFormicaFamilyandCommunityClubwebsiteand29onthelinktotheFormicaSeasonofFun. Welookforwardtoseeingyouallthere. 27
From:TomEvans To:Allattendees Subject:Conferenceprogram Dearattendees Thankyouverymuchfor21the3rdAnnualTradeMarketingConference.ThispromisestobeanexcitingandinformativeeventandIlookforwardtoseeingyouallthere. Oneofthehighlightsoftheconferencewillbethekeynoteaddressbyinternationally-renownedtrademarketingguruGusHobson.22hispresentationyouwillallhavetheopportunitytospeaktohimduringouropenQuestionandAnswerForum.Inadditiontherewillbeanumberofotherstimulatingtalks. I23afullcopyoftheprogramforyourinterestoutliningallsessiontimesandbreaks.Pleasetakethetimetolookoverthesedetailsassoonasyoucan. Regards TomEvans ConferenceManager 21
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H/K ServicesLtd. 1stfloorWorldBuilding 431BloorStreetEast SeattleWashington Facsimile HanKyuServicesLtd. Telephone2067558989 Fax:2067758655 Email:enquiry@hankyu.com www.hankyu.com To:Room1204-Mr.MarkNewmanislandPacificHotelFax:555-8624 From:MaggieWongFax:775-8655 Date:November3Pages:1page PleasepassthismessageontoyourguestMr.MarkNewmanwhoisstayinginRoom1204.Thanks. DearMr.Newman Mr.RonDevereuxhasaskedmetoletyouknowthathewouldbeveryinterestedinmeetingwithyousometimetomorrowonSaturdayNovember4.Pleasegivehimacallonhismobilephoneat206755-1456toarrangeatime.Thanks. Kindregards MaggieWong PAtoRonDevereux WhydidMs.Wongsendthefax
PrestigePropertiesNowAvailable FordiscerningcustomersseekinguniquepropertiesTheHillsRealEstateAgencyispleasedtoannouncetheavailabilityofthefollowingresidencesinthemostupscalepartsofourcity: SantaRosa ThisbeautifulSpanish-stylemansionextendsoveragentlyslopinghalf-acreblock.Constructedduringtheboomperiodofthe1920sithasretainedmanyoriginalarchitecturalandhistoricalfeatureswhilethekitchenandbathroomshavebeentastefullymodernized.Stunningsandstonecontrastswithgreenlawnsandcolorfulflowersgardenswithviewsoftheoceanfromthesecondfloor.Callnowtoarrangeaviewing. WarehouseConversion Ifyouareseekinganopen-planstyleapartmentlocatedintheheartofthevibrantinnercitythatisquietandsecurewithatranquilcourtyardinitsheartthisisthepropertyforyou.Trulyauniqueopportunitythis3-bedroom2-bathroomarchitect-designedconversioncanoffertranquilityandspaceforyourartisticendeavorsorcanopenuptobetheperfectpartyhouse.Inspectnow. VictorianTerrace Theydon’tcomemuchmoresophisticatedthanthis3-storeyVictorianterracebuiltin1885.Locatedonawidesemi-circularstreetoppositeelegantVictoriaParkthefrontgardenandwideupper-levelbalconyarebathedingeneroussunshineduringthewintermonthswhilebeingprotectedfromthewind.Alargelivingroomadjoinsamagnificentdiningareaservedbyamodernkitchenwithplentyofbench-space.Threeupstairsbedroomstwowithen-suitebathroomsplusaguestbathroomonthegroundfloorcompletethepicture. Forfurtherinformationandtoarrangeinspectionsappointmentonlypleasecallourofficeat9652254or965-2255ore-mailatjohnconnor@thehills.com. To:johnconnor@thehills.com From:lisabrowm@kyu.com Subject:Interestedbuyer DearMr.Conner Iwasveryinterestedbyyourrecentadvertisement.IamseekingaresidencethatcanaccommodateanartstudioandpossiblyholdprivateexhibitionsfortheworkIdo.Oneofthelistedplacessoundslikeitcouldbesuitableformyneeds.ThereforeIwouldliketomeetwithyousoontotakealookattheplace.CouldyoupleaseletmeknowwhenagoodtimeforyouisIamokayanytimethisweekexceptforWednesdayevening.Pleasegetbacktomeassoonaspossible. Thankssomuchforyourattention. LisaBrown:755-1207 Whatisthemainpurposeofthee-mail
NewVacationPolicy Allvacationdaysmustbetakenwithinthecalendaryearwithwrittenrequestssubmittedandapprovedbyyourdirectsupervisors: 1.Allnewemployeesareentitledto3weeks’paidvacationperyear. 2.Anyemployeeontheirprobationaryperiodwillnotbeincludedunderpolicyuntilhis/her3monthsisup. 3.Allvocationrequestsmustbemadeinwritingatleast2weeksinadvanceofyourrequesteddates.Thesewillbeapprovedatthediscretionofyoursupervisoraccordingtoyourdepartmentalworkloadrequirements. 4.Allvacationdaysmustbetakenwithinthecalendaryear.Otherwiseyouwilllosethem. 5.Onlyonepersonperindividualdepartmentmaybeawayonvacationforaperiodofaweekormoretoensuresufficientstaffingisavailableineachdepartment. 6.Employeeswillreceiveanextraweekofvacationtimeforevery5yearsofadditionalservice. 7.Amaximumoftwoweeks’vacationatonetimemaybetaken.Certainrequestsforlongerperiodofvacationmaybeconsideredforexceptionalcircumstances.Pleaseseeyoursupervisorifthisisapplicable. 8.Westronglyencourageallouremployeestospreadoutyourvacationdaysandenjoythemselves. VacationRequestMemo To:SallyBensonSupervisorHumanResources From:MaryBlack Date:January52007 Re:VacationRequestforJanuary25-February82007 Sally ThisisamemotogiveyouadvancenoticeofmyrequestformyupcomingvacationdaysofJanuary25-February8. AswritteninthevacationpolicyIamprovidingamplenoticeofmyrequesteddays.Sohopefulthese2weekswillbeokaytobeawayfromtheoffice.Weareplanningafamilyreunionwhichhadbeenplannedforthelastcoupleofyears. IknowthatIhavejustrecentlyjoinedthecompanyandnormallywouldneedtowaituntilmyprobationaryperiodisoverbeforetakinganyvacationdays.HoweverasyoumayrecallthisrequestforsomeadvancedayswasdiscussedandagreedtoinournegotiationmeetingsinlateNovember. Thankyouforyourunderstanding.Iwillmakesurethatmyworkiscoveredtoavoidanydisruptioninmyprojects. Mary WhichofthefollowingisNOTstatedinthepolicy
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June32006 SuzanneRogers Ultra-ErgonomicFurniture SalesandShippingDepartment Suite58107MorrisCircle MoorabbinVictoria3206 DearMs.Rogers AsI’msureyouareawareourcompanyhasbeenorganizingconventionsfestivalsandotherlargecorporateeventsforthelastfifteenyearsandinfactweareleadersinthefield.WehavereliedonUltraErgonomicFurnitureforpurchaseandrentalsuppliesofhigh-qualityfurnitureforthatentireperiodandwe’veneverhadanycauseforcomplaintswithregardtoyourservices. Iamwritingtoyoupersonallytoaskaspecialfavor.WerecentlymadeanorderwithyourcompanyforthesupplyofrentalfurniturethatincludeschairstablespartitionsandlecternsforanautoshowseeorderNo.11-35698A.Unfortunatelyaseriouserrorwasmade.Infacttheexpositionbeginsoneweekearlierthanindicatedontheorderform.ThestartingdateisactuallyJuly7.Iwouldappreciateitverymuchifyoucouldtrytodoeverythingyoucantoensurethatourorderbedeliveredtousonthatdate.AlsoifpossibleI’dliketoadd20pop-updisplaysontopofouroriginalorder. Irealizethatthisisabigfavortoaskbutonthebasisofourlong-termbusinessrelationshipIhopethatyouwillbeabletofindaway. I’mreallysorryforanyinconvenience.Pleasecontactmesoon. Yourssincerely MichaelRobinson PropertiesManager mrobinson@btc.com From:srogers@uef.shipping.com Sent:June82006 To:mrobinson@btc.com Subject:Yourrequest DearMr.Robinson ThankyouforyourletterIwassurprisedandofcourseconcernedthatyoufindyourselfinthisunfortunatesituation.AndofcourseIwilldomybesttohelpyou.Yourcompanyhasbeenoneofourbestclientssincewebeganoperationsin1978. AnywayIpersonallytookatripdowntoourwarehousethismorningtohaveacloserlookatourstocktoseeifwehaveallthingsyouneedforyourconvention-whichIbelieveisfromJuly7to14.Iamhappytosaythatwewillbeabletoprovideyouwitheverythingyouoriginallyrequested.Howeverasfortheadditionalrequestyoumadeitwon’tbepossiblebecausewehavealreadyrentedthemouttoanotherclientduringthatweek. Mysuggestionisthatyoucomedowntomyofficetodiscussotherpossibilities.Icantakeyoudowntoourwarehouseandyoucanlookatourinventory.Sopleasecallmesoontoarrangeatime. Kindsregards. SuzanneRogers SalesandShippingDepartment WhatdoesSuzannesayaboutMichael’scompany
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H/K ServicesLtd. 1stfloorWorldBuilding 431BloorStreetEast SeattleWashington Facsimile HanKyuServicesLtd. Telephone2067558989 Fax:2067758655 Email:enquiry@hankyu.com www.hankyu.com To:Room1204-Mr.MarkNewmanislandPacificHotelFax:555-8624 From:MaggieWongFax:775-8655 Date:November3Pages:1page PleasepassthismessageontoyourguestMr.MarkNewmanwhoisstayinginRoom1204.Thanks. DearMr.Newman Mr.RonDevereuxhasaskedmetoletyouknowthathewouldbeveryinterestedinmeetingwithyousometimetomorrowonSaturdayNovember4.Pleasegivehimacallonhismobilephoneat206755-1456toarrangeatime.Thanks. Kindregards MaggieWong PAtoRonDevereux Whatwilltherecipientofthefaxdo
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Ms.LongispreparingformeetingwiththeexecutivesfromWesternTechnologyInstituteonThursday.
PrestigePropertiesNowAvailable FordiscerningcustomersseekinguniquepropertiesTheHillsRealEstateAgencyispleasedtoannouncetheavailabilityofthefollowingresidencesinthemostupscalepartsofourcity: SantaRosa ThisbeautifulSpanish-stylemansionextendsoveragentlyslopinghalf-acreblock.Constructedduringtheboomperiodofthe1920sithasretainedmanyoriginalarchitecturalandhistoricalfeatureswhilethekitchenandbathroomshavebeentastefullymodernized.Stunningsandstonecontrastswithgreenlawnsandcolorfulflowersgardenswithviewsoftheoceanfromthesecondfloor.Callnowtoarrangeaviewing. WarehouseConversion Ifyouareseekinganopen-planstyleapartmentlocatedintheheartofthevibrantinnercitythatisquietandsecurewithatranquilcourtyardinitsheartthisisthepropertyforyou.Trulyauniqueopportunitythis3-bedroom2-bathroomarchitect-designedconversioncanoffertranquilityandspaceforyourartisticendeavorsorcanopenuptobetheperfectpartyhouse.Inspectnow. VictorianTerrace Theydon’tcomemuchmoresophisticatedthanthis3-storeyVictorianterracebuiltin1885.Locatedonawidesemi-circularstreetoppositeelegantVictoriaParkthefrontgardenandwideupper-levelbalconyarebathedingeneroussunshineduringthewintermonthswhilebeingprotectedfromthewind.Alargelivingroomadjoinsamagnificentdiningareaservedbyamodernkitchenwithplentyofbench-space.Threeupstairsbedroomstwowithen-suitebathroomsplusaguestbathroomonthegroundfloorcompletethepicture. Forfurtherinformationandtoarrangeinspectionsappointmentonlypleasecallourofficeat9652254or965-2255ore-mailatjohnconnor@thehills.com. To:johnconnor@thehills.com From:lisabrowm@kyu.com Subject:Interestedbuyer DearMr.Conner Iwasveryinterestedbyyourrecentadvertisement.IamseekingaresidencethatcanaccommodateanartstudioandpossiblyholdprivateexhibitionsfortheworkIdo.Oneofthelistedplacessoundslikeitcouldbesuitableformyneeds.ThereforeIwouldliketomeetwithyousoontotakealookattheplace.CouldyoupleaseletmeknowwhenagoodtimeforyouisIamokayanytimethisweekexceptforWednesdayevening.Pleasegetbacktomeassoonaspossible. Thankssomuchforyourattention. LisaBrown:755-1207 WhoisJohnConnor
June32006 SuzanneRogers Ultra-ErgonomicFurniture SalesandShippingDepartment Suite58107MorrisCircle MoorabbinVictoria3206 DearMs.Rogers AsI’msureyouareawareourcompanyhasbeenorganizingconventionsfestivalsandotherlargecorporateeventsforthelastfifteenyearsandinfactweareleadersinthefield.WehavereliedonUltraErgonomicFurnitureforpurchaseandrentalsuppliesofhigh-qualityfurnitureforthatentireperiodandwe’veneverhadanycauseforcomplaintswithregardtoyourservices. Iamwritingtoyoupersonallytoaskaspecialfavor.WerecentlymadeanorderwithyourcompanyforthesupplyofrentalfurniturethatincludeschairstablespartitionsandlecternsforanautoshowseeorderNo.11-35698A.Unfortunatelyaseriouserrorwasmade.Infacttheexpositionbeginsoneweekearlierthanindicatedontheorderform.ThestartingdateisactuallyJuly7.Iwouldappreciateitverymuchifyoucouldtrytodoeverythingyoucantoensurethatourorderbedeliveredtousonthatdate.AlsoifpossibleI’dliketoadd20pop-updisplaysontopofouroriginalorder. Irealizethatthisisabigfavortoaskbutonthebasisofourlong-termbusinessrelationshipIhopethatyouwillbeabletofindaway. I’mreallysorryforanyinconvenience.Pleasecontactmesoon. Yourssincerely MichaelRobinson PropertiesManager mrobinson@btc.com From:srogers@uef.shipping.com Sent:June82006 To:mrobinson@btc.com Subject:Yourrequest DearMr.Robinson ThankyouforyourletterIwassurprisedandofcourseconcernedthatyoufindyourselfinthisunfortunatesituation.AndofcourseIwilldomybesttohelpyou.Yourcompanyhasbeenoneofourbestclientssincewebeganoperationsin1978. AnywayIpersonallytookatripdowntoourwarehousethismorningtohaveacloserlookatourstocktoseeifwehaveallthingsyouneedforyourconvention-whichIbelieveisfromJuly7to14.Iamhappytosaythatwewillbeabletoprovideyouwitheverythingyouoriginallyrequested.Howeverasfortheadditionalrequestyoumadeitwon’tbepossiblebecausewehavealreadyrentedthemouttoanotherclientduringthatweek. Mysuggestionisthatyoucomedowntomyofficetodiscussotherpossibilities.Icantakeyoudowntoourwarehouseandyoucanlookatourinventory.Sopleasecallmesoontoarrangeatime. Kindsregards. SuzanneRogers SalesandShippingDepartment WhichofthefollowingdoesMs.RogerssayshewillNOTbeabletoprovide
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