Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Exam Number : ASVAB-Mechanical-Comp
Exam Name : ASVAB Section 3 : Mechanical Comprehension
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Military ASVAB exam contents


Join the Marines

Joining the U.S. Marine Corps means becoming part of an elite fighting force with a unique mission, focused on rapid response and first-on-the-scene deployments. About 180,000 active-duty men and women serve in the Marines.

Part of the Department of the Navy, the Marines operate in close cooperation with U.S. naval forces at sea. The small, nimble Marines operate all over the globe and frequently take on risky missions. They serve on U.S. Navy ships, protect naval bases, guard U.S. embassies and are a major deterrent to aggression around the world.

Opportunities for specialized roles include infantry, intelligence, logistics, field artillery and more.

Requirements to Join the Marines Enlisted Marine Requirements

Enlisted Marines are the backbone of the branch, making up about 88% of the service. They fly planes and helicopters; operate radar equipment; drive armored vehicles; gather intelligence; survey and map territory; maintain and repair radios, computers, jeeps, trucks, tanks and aircraft; and perform hundreds of other challenging jobs.

U.S. Marines with A Company, 4th Tank Battalion, 4th Marine Division, prepare to conduct their battle sight zero at Range 500 during Integrated Training Practice 4-19 at Marine Corps Air Ground Combat Center, Twentynine Palms, Calif., June 9, 2019. (U.S. Marine Corps photo/Preston Morris)

Wondering how to join the Marines? Marine enlistment includes several requirements. You must:

  • Be at least 17 years old. The age limit for Marines is 28 for enlisted service members, unless a waiver is obtained.
  • Have a high school diploma
  • Be a U.S. citizen or legal resident
  • Pass a criminal background check and have no felony convictions
  • Pass the Initial Strength Test (IST) to demonstrate physical fitness
  • Earn a minimum score on the Armed Services Vocational Aptitude Battery (ASVAB) test
  • Pass the Military Entrance Processing Station (MEPS) medical exam
  • Read More: Joining the Marines: Overview

    Marine Officer Requirements

    Officers, who make up about 12% of the Marines, are the branch's leaders. Commissioned officers are college graduates who serve in a variety of roles, from manpower and intelligence to infantry and reconnaissance.

    To commission as a Marine Corps officer, you must:

  • Be a U.S. citizen
  • Be at least 18 at the time of application, and no older than 28 in most cases
  • Have a high school diploma and have a bachelor's degree or be working toward one
  • Meet the branch's moral standards
  • Pass the Physical Fitness Test (PFT)
  • Have demonstrated potential for leadership
  • Earn a minimum required score on one of the following aptitude tests: SAT, ACT or ASVAB
  • Wondering how to become a Marine Corps officer? There are several paths, including:

  • Officer Candidates School (OCS): The most common route. Located at the historic Marine Corps Base Quantico in Virginia, the school educates and trains officer candidates in the knowledge and skills necessary for commissioning. Additionally, the Officer Candidate Course (OCC) is a commissioning program targeted to college seniors and graduates, who attend a training course after graduation.
  • Platoon Leaders Class (PLC): For full-time students at any accredited college or university, to allow them pursue a commission without interrupting academic careers. All training sessions take place at Quantico.
  • ROTC: The Navy ROTC Marine Corps option allows students to enroll in elective leadership and military courses at colleges and universities. At graduation, NROTC cadets are commissioned as second lieutenants. Read more details here.
  • U.S. Naval Academy: Students must receive a nomination from a member of Congress to be admitted. On top of military training, the school offers 22 majors. Graduates from the academy receive their commission as second lieutenants in the Marines.
  • Read More: How to Become a Marine Corps Officer

    How to Join the Marine Corps Contact a Marine Recruiter

    The best source for learning about Marine Corps requirements is to work with a Marine recruiter. Recruiters know the ins and outs of the service and can help you navigate the process and make important decisions along the way.

    There is no obligation when working with a recruiter. They will help you decide whether the Marine Corps is right for you, and will help shed light on which job opportunities within the service might be of interest if you sign up.

    Related: Contact a Recruiter

    U.S. Marines establish a base of fire during a fire and maneuver range at Marine Corps Base Camp Pendleton, California, Jan. 24, 2023. (U.S. Marine Corps photo by Cpl. Willow Marshall) Take the ASVAB

    The Armed Services Vocational Aptitude Battery (ASVAB) is an aptitude test that helps Marines narrow down which field of work is best suited for them. It is designed to evaluate skills in several areas, including math, science, language and technical knowledge such as electronics, automotive and mechanical abilities.

    The maximum ASVAB score is 99. For enlistment into the Marines, you must get a minimum ASVAB score of 31 if you have a high school diploma. Those with nontraditional degrees or a GED diploma must score at least a 50.

    Pass Your Physical Exam

    Once an applicant has taken the ASVAB and passed with a qualifying score, the recruiting process moves on to Marine physical requirements, starting with a medical exam at the Military Entrance Processing Station (MEPS).

    The basic physical examination includes alcohol and drug testing; a urine check for indicators of glucose, protein, pregnancy and other health indicators; an HIV test; a vision test, including color perception; an ear exam and hearing test; blood pressure and pulse rate; an orthopedic and neurological demonstration and exam; plus an overall exam of the main body systems and organs.

    Additionally, to even begin recruit training, aspiring Marines must pass the Initial Strength Test (IST), which consists of three events: pull-ups or push-ups, a 1.5-mile run and a 40-second plank.

    Marine Corps Boot Camp

    The purpose of basic training, also known as boot camp, is to help recruits develop the physical and tactical skills needed to become a Marine. It's often considered to be the toughest of all the services' basic training programs.

    This entry-level training lasts 13 weeks and includes processing and administration as well as tactical training, operational skills and physical activities.

    There are two Marine Corps Recruit Depot locations for boot camp, depending on where in the country you live: San Diego or Parris Island in South Carolina.

    Boot camp is followed by three weeks of either the School of Infantry or Marine Combat Training.

    Read More: Marine Corps Boot Camp Timeline at a Glance

    Marines maneuver through an obstacle during the combat endurance course aboard Marine Corps Recruit Depot Parris Island (Photo by Benjamin McDonald) Taking the Physical Fitness Test (PFT)

    The service considers physical fitness indispensable and inherent to the Marine Corps way of life. You must pass the Marine PFT -- the Physical Fitness Test -- to graduate from recruit training. You must also complete the combat fitness test (CFT).

    The Marine fitness test is challenging. The PFT, which tests stamina and physical conditioning, includes three parts: pull-ups or push-ups, a timed plank and a three-mile timed run. (As of 2023, the plank is mandatory, and the crunch is no longer authorized.)

    Taking the Combat Fitness Test (CFT)

    The CFT, which measures functional fitness, simulates battle demands in full combat utility uniforms. It consists of three events: movement to contact (an 880-yard sprint), ammunition lift (lift a 30-pound ammunition can) and maneuver under fire (a 300-yard course with several battle-related challenges, including crawls, ammunition resupply, grenade throwing, agility running, and the dragging and carrying of another Marine).

    Marine Corps Fitness Standards for the PFT

    For the Marine Corps PFT, recruits can choose either pull-ups or push-ups for the upper-body muscular endurance portion. Scoring depends on age and gender; details can be found here.

    For the plank portion of the PFT, the time required for the maximum score is 3 minutes, 45 seconds. The time required for the minimum score is 1:10. The plank times and scores are gender neutral and the same for all ages.

    Finally, for the three-mile run, males must complete it in 28 minutes or less. Females must complete the run in 31 minutes or less.

    Read More: Marine Corps Physical Fitness Standards

    Choose Your Marine Corps Job (MOS)

    Although the Marine Corps says that "every Marine is a rifleman," infantry units comprise no more than 15% of the service's total force. You will be able to work in one of 35 career fields that offer more than 300 jobs.

    (Photo courtesy of Marine Corps Community Services)

    Based on your qualifications, you can choose your Military Occupational Specialty (MOS) field. Some specialty fields available include:

  • Aircraft defense
  • Aircraft maintenance
  • Armor
  • Broadcasting
  • Combat engineer
  • Communications
  • Computer operator/technician
  • Electronics
  • Intelligence
  • Supply
  • Read More: ASVAB Scores and Marines Jobs

    Take the Oath of Enlistment

    Enlisting in the Marines also includes taking the Oath of Enlistment, which is a pledge to defend the Constitution throughout your military career. If you are entering as an officer, you'll instead take the officer's oath.

    U.S. Marine Corps Cpl. Tanner Hughs recites the oath of enlistment during his reenlistment ceremony at Marine Corps Base Camp Pendleton, California, June 22, 2023. (U.S. Marine Corps photo by Sgt. Alize Sotelo) Benefits of Joining the Marine Corps

    Joining the Marines comes with a variety of benefits.

    Money and Pay

    When you join the Marines, you are paid twice a month based on your pay grade and service requirements. Your paycheck grows as you gain more experience and rise up the ranks; you are promoted based on job knowledge, performance and other factors.

    The service also offers a variety of allowances that increase your total compensation. These include free or reduced-cost health care, food, housing, education and more.


    Recruits can earn a variety of bonuses for enlisting in certain jobs. Some of the latest incentives include a $3,000 bonus for supply, accounting and legal roles; $5,000 for information and communications technology or cyber and crypto operations; $8,000 for electronics maintenance; and several more.


    Many Marines start obtaining college credits immediately, even while in basic training.

    While on active duty, you may continue your education and may be helped in defraying the cost of college-accredited courses.

    Up to 100% of your education expenses can be covered through federal government programs, including tuition assistance, the Montgomery GI Bill for college education or vocational training, and the Marine Corps College Fund.

    Details of some of the educational benefits available include:

  • Tuition Assistance: Covers up to $225 per college credit and/or $4500 per year while on active duty.
  • Advanced Degree Program (ADP): For college graduates, partial funding for those pursuing a master's degree.
  • Defense Activity for Non-Traditional Education Support (DANTES): Programs to work toward a college degree through correspondence courses.
  • Post-9/11 GI Bill: Provides education benefits for those who have served on active duty or in the Selected Reserve for 90 or more days after Sept. 10, 2001. Offers 100% tuition assistance after 36 months of active duty, plus assistance for tuition, fees, books and supplies.
  • Montgomery GI Bill: Provides tax-free assistance toward a college degree, available after 24 months of active duty.
  • Special Education Program: Provides selected Marine officers with the opportunity to receive, as full-time students, advanced training that may lead to a postgraduate degree in certain fields, including engineering, communications, computers and management.
  • Staff Noncommissioned Officer Degree Completion Program (SNCODCP): Offers enlisted Marines with a minimum rank of staff sergeant the opportunity to complete their degree by attending an accredited four-year college full time, while still on active duty.
  • Skills and Training

    You choose your career path based on your aptitude, physical abilities, security clearance and personal interests.

    For those assigned to a Marine Corps infantry job, training begins with a 51-day course upon return from graduation leave. After graduation from the School of Infantry, they will proceed to their first permanent duty assignment.

    Marines who are not assigned to infantry jobs also attend the Marine Corps School of Infantry for 22 days, where they learn basic battle skills. Upon graduation, they proceed to their normal Marine Corps job training. After job training, these Marines proceed to their first permanent duty assignment.

    Health Care

    Every Marine and his or her immediate family will receive a number of health benefits, including free comprehensive medical insurance and competitively priced dental insurance.

    Other Benefits

    You also may receive additional tax-free money for the Basic Allowance for Housing (BAH) if government housing is not available; the Basic Allowance for Subsistence (BAS) if government food facilities are not available in the area you are stationed; and a uniform allowance (for enlisted personnel only) to help maintain your uniform.

    Travel benefits include 2.5 days of paid vacation per month for a total of 30 days each year, up to 60 days.

    There are exchange and commissary privileges, moving allowances, temporary lodging expenses, travel, survivor benefits, Veterans Affairs home loans and more.

    Read More: Learn About Marine Corps Benefits

    Content previously published on Military.com and content from Marines.com were used in compiling this report.

    Interested in Joining the Military?

    We can put you in touch with recruiters from the different military branches. Learn about the benefits of serving your country, paying for school, military career paths, and more: sign up now and hear from a recruiter near you.

    Story Continues

    Army Priorities


    Army Priorities are categories based on the Secretary of the Army’s enduring and focused strategic priorities. Aligning your article with one of these priorities will allow you, as an Army public affairs professional, to stay on message and support the Army Communication Enterprise monthly objectives.

    For a description of these priorities, visit the Public Affairs Portal (Log in with CAC EMAIL certificate).

    Army Priorities are similar to tags in that they help to organize your content. However, they are broader, more overarching courses that are predefined within CORE; whereas, tags are more specific keywords that are chosen by CORE users to associate related content.

    Benefits of Army Priorities While selecting an Army Priority is not currently required, they highly recommend that you align your articles with at least one of the priorities. This will enable you to take advantage of the following benefits:
  • DiscoverabilityYour articles appear in search results and news feeds for any priorities that you use. Assigning a priority increases the chance that people will find your content within CORE and Army.mil.
  • PromotionContent that aligns with the Army’s strategic priorities typically has a broader reach, making it more likely to get used by other Army organizations. Aligned articles have the potential to be featured on the Army.mil Homepage and various Army organization pages, as well as to be amplified on Army social media platforms.
  • AssessmentsIn the future, you will be able to track your organization’s communication efforts, based on your alignment with each strategic priority. This will serve as a guide to help your organization support the Army Communication Enterprise objectives each month.
  • Selecting an Army Priority To select an Army Priority:
  • On your article page, locate the Army Priorities and Tags section in the Article Settings sidebar on the right side of your screen.
  • Click Add a strategic priority…
  • Select a priority from the dropdown list. The priority will appear as a tag.
  • You can add more priorities, or remove a priority by clicking the x to the right of the tag.
  • TIP: Although you can add multiple priorities to your article, they recommend only adding 1 or 2 priorities per article to streamline your communication efforts.

    Frequently Asked Questions Q: What is the difference between Army Priorities and tags?

    Army Priorities and tags are very similar. They both allow you to organize content that can then be used in a variety of ways. However, there are a few differences.

    Army Priorities are broad categories that align your article with the Secretary of the Army’s priorities. These overarching courses are predefined in CORE and help Army public affairs professionals to track their organization’s communication efforts. To learn more about these priorities, visit the Public Affairs Portal (Log in with CAC EMAIL certificate).

    Tags are much more specific courses that are chosen by CORE users to group related articles. Tags quickly tell readers what an article is about and make it easier for people to find your content.

    Q: Do I have to select an Army Priority?

    It is currently optional to add an Army Priority to your article. However, they highly recommend that you align your article with at least one of the priorities.

    In the future, they plan to enhance your search and analytics capabilities in regards to these Army Priorities. Your current efforts to align content with these strategic priorities will help to populate these new features, making them more effective and comprehensive. Stay tuned!

    Q: Is there a limit to the number of priorities I can add?

    You can add as many priorities as you like to an article. As a rule of thumb, they recommend that you add no more than 2 priorities per article to streamline your communication efforts without spamming news feeds and search results with irrelevant articles.

    GRE Testing

    GRE Skip to Main Content Skip to Main Navigation Skip to Footer

    The GRE (Graduate Record Exam) revised General Test, introduced in August 2011, features a new test-taker friendly design and new question types. It more closely reflects the kind of thinking you'll do in graduate or business school and demonstrates that you are ready for graduate-level work. Skills are assessed in the areas of verbal reasoning, quantitative reasoning, and analytical writing.

    Prices/fees are subject to change without notice.

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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen


    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.


    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:


    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten


    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug