IC22 LIFE INSURANCE UNDERWRITING EXAM - 09
| Q1.Life Insurance Underwriting Is The Process Of___ |
| Assessing |
| Selecting |
| Classifying |
| Evaluating &Measuring |
| All Above |
| Q2.In reinsurance who becomes the policyholder? |
| Insured person. |
| Ceding company. |
| Reinsurer. |
| Both (a) & (b) |
| None of the above. |
| Q3.If an individual is suffering from obesity, high blood pressure, and diabetes, then which adverse factor needs to be considered cautiously in insurance underwriting for assessing mortality rate? |
| Diabetes. |
| Obesity. |
| High blood pressure. |
| The combined effect of all three. |
| Only (a) & (c). |
| Q4.Where the most of the cardiac muscles of the heart are found? |
| Pericardium. |
| Myocardium. |
| Epicardium. |
| Endocardium. |
| None of the above. |
| Q5.Which Of The Following Type Of Hepatitis Can Spread Through Contact With Infected Blood Or Semen |
| Hepatitis A |
| Hepatitis B |
| Hepatitis D |
| Hepatitis E |
| all of the above |
| Q6.If in case, the predictive mortality does not deviate too much when compared to that indicated in the mortality table provided by the actuaries, what will be the underwriter’s decision? |
| The underwriter will accept the risk. |
| The underwriter will accept the risk with special terms. |
| The underwriter will decline the risk. |
| The underwriter will postpone the risk. |
| The underwriter will accept the risk at a high premium. |
| Q7.Which of the following is not a part of the bronchial tree, a part of the lower respiratory system? |
| Bronchi. |
| Bronchioles. |
| Alveoli. |
| Larynx. |
| None of the above. |
| Q8.If the individual is considered to carry sub-standard risk by an underwriter, then the decision to accept the risk can be based on___. |
| The purpose for which the insurance cover is sought. |
| The degree or extent of severity of the risk. |
| The type of risk: increasing, constant or decreasing. |
| All the above |
| None of the above. |
| Q9.For Which Of The Following Purposes Is A Clinical Review Of A Diabetic Applicant Required By Insurance Cos. |
| To Check On Diabetic Stage |
| To Look For Evidence Of Diabetic Complications |
| To Look For Possible Cure |
| To Assess The Damage. |
| all of the above |
| Q10.The concept of EMR is applied in the case of sub-standard lives; here “EMR” stands for? |
| Excess morbidity rate. |
| Extra mortality rise. |
| Extra mortality rate. |
| Excessive morbidity rise. |
| None of the above. |