【单选题】【消耗次数：1】
保险人是与（ ）订立保险合同，并承担赔偿或者给付保险金责任的保险组织或自然人
①
保险人
②
投保人
③
被保险人
④
受益人
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【多选题】
唯一的受益人先于被保险人死亡，紧接着被保险人死亡，则保险金应（ ）
①
A在受益人的继承人中均分
②
B 用来清偿死者生前所欠的债务
③
C作为遗产处理
④
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若寿险合同中没有指定的受益人，被保险人死亡时，保险人对保险金的正确处理方式是（ ）。
①
A．由投保人领取
②
B．由投保人的法定继承人领取
③
C．由被保险人的法定继承人领取
④
D．按无受益人处理，上缴社会公益基金
【多选题】
责任保险是指经保险人与投保人约定，被保险人因承保范围内的致害行为而依法应当向第三人承担民事赔偿责任的保险。责任保险具有()特征
①
责任保险在性质上是第三人保险
②
责任保险法定宽限期为90日
〔
③
开展责任保险业务的保险公司注册资本最低限额为五亿元
④
责任保险在偿付上具有替代性
⑤
在订立责任保险合同时，投保人和保险人所约定的保险金领是保险人承担赔偿责任的最高限额
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①
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have stolen
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Setting up a committee might be a way _____the project more efficiently.
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on
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A sheet of metal was shaken to _____ the sound of thunder.
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stimulate
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duplicate