IC22 LIFE INSURANCE UNDERWRITING EXAM - 02
| Q1.The outer lighter colored part of the kidney is called the __. |
| Ureters. |
| Cortex. |
| Medulla. |
| Renal pelvis. |
| Calyx. |
| Q2.What is the main cause of disability or death for people with Type 2 diabetes in industrialized countries? |
| Neuropathy. |
| Diabetic nephropathy. |
| Retinopathy. |
| Cardiovascular disease. |
| Hypertension. |
| Q3.In the insurance sector what helps to reduce the liability of the direct insurer to a large extent? |
| Extra premium. |
| Reinsurance. |
| Income stability of the insured. |
| Profit retained. |
| Underwriting. |
| Q 4.In insurance underwriting for Asthma, which historical information is important to be obtained by Life Assured? |
| History of hospitalization. |
| Frequency and severity of attacks. |
| Limitations of functional capacity. |
| Occupation. |
| All the above. |
| Q5.____Reinsurance Arrangements Permit The Direct Insurance Cos To Purchase Reinsurance Without The Time And Expense Of An Uw Review By The Reinsurer. |
| Facultative |
| Treaty |
| Automatic |
| Dual |
| none |
| Q6.Which ear disorder is a sensorineural hearing loss with some conductive components especially seen in old age? |
| Acute otitis. |
| Otitis. |
| Chronic otitis. |
| Presbyacusis. |
| Deafness |
| Q7.Which of the following is the most common nose disorder among the population? |
| Sinusitis. |
| Nasal polyps. |
| Deviated nasal septum. |
| Smell and taste disorder. |
| Allergy. |
| Q8.For decision making, underwriters follow which of the following methods? (i) Numerical rating method. (ii) Judgment method. (iii) Statistical data method. |
| Only (iii) |
| Only (i) |
| Only (i) & (iii) |
| Only (i) & (ii) |
| Only (ii) & (iii) |
| Q9.In The Spinal Cord _____ Transmits Sensory Information From Body Organs And External Stimuli To The Brain |
| Ascending Nerves Tract |
| Descending Nerves Tract |
| Central Nervous System |
| Peripheral Nervous System |
| none of the above |
| Q10.Which among below is not a limitation of judgment method of insurance underwriting? |
| It was found to be inconsistent and very subjective, depending upon the expertise of the underwriter. |
| The method of risk classification was found to be inconsistent and very scientific. |
| The method uses mortality ratings as the basis for the selection and classification of lives. |
| Both (a) & (b) |
| None of the above. |
