IC22 LIFE INSURANCE UNDERWRITING EXAM -15
| Q1.Which of the following cannot be the post underwriting possible decision that can be taken by the underwriter? |
| Accept the proposal with special or altered terms. |
| Postpone the proposal. |
| Decline the proposal. |
| Postpone the proposal for more than three years. |
| None of the above. |
| Q2.For risk selection in insurance underwriting, what should be reviewed carefully for assessing the mortality risk in diabetic applicants? (i) Blood reports. (ii) Family history. (iii) Medical records. (iv) Occupation. |
| Only (i),(ii)&(iii) |
| Only (i)&(iii) |
| Only (i),(iii)&(iv) |
| Only (i)&(ii) |
| Only (i),(ii)&(iv) |
| Q3.In which type of risk a temporary extra may be charged for a short predetermined period of time until it gets ceased to exist? |
| For increasing extra risk. |
| For decreasing extra risk. |
| For constant extra risk. |
| For very high risk. |
| For increasing mortality rate. |
| Q4.Name the cardiovascular system which operates within the human body? |
| Pulmonary circulation system. |
| Systematic circulation system. |
| Functional circulation system. |
| Both (a) & (b) |
| Both (b) & (c) |
| Q5.Which of the following Hepatitis virus needs to be assessed in detail for insurance underwriting? (i) Hepatitis B. (ii) Hepatitis A. (iii) Hepatitis C. (iv) Hepatitis D. |
| Only (i)&(iii) |
| Only (ii)&(iii) |
| Only (iv) |
| Only (i) |
| Only (iii)&(iv) |
| Q6.Which part or organs in the human body helps in regulating the production, destruction, and differentiation of cells? (i) Lymph nodes. (ii) Bone marrow. (iii) Spleen (iv) Liver. (v) Kidney. |
| Only (i),(ii)&(iii) |
| Only (i),(iii)&(iv) |
| Only (ii),(iii)&(iv) |
| Only (i),(ii),(iii)&(iv) |
| Only (iii),(iv)&(v) |
| Q7.According to the current regulations of life insurance, which plan is allowed for the keyman insurance? |
| Term assurance plans. |
| Mediclaim policy. |
| Child money back plans. |
| Child endowment plans. |
| Accidental death benefits. |
| Q8.Hindu Undivided Family is defined under which law? |
| Common law. |
| Indian law. |
| Hindu law. |
| Cultural law. |
| None of the above. |
| Q9.All the functions of the brain are associated with___. |
| Cranial nerves. |
| Motor nerves. |
| Peripheral nerves. |
| Autonomic nerves. |
| None of the above. |
| Q10.Which blood disease produces too many red blood cells in the body which can result in blockage of arteries and veins? |
| Leukemia. |
| Polycythemia. |
| Thalassemia. |
| Hemophilia. |
| Thalassemia carrier. |