IC22 Mock Test Sample 17
This set highlights practical underwriting decisions along with medical and risk assessment concepts. High-risk occupations or travel to unsafe locations may lead to rejection or special terms. Risk types like increasing, constant, or decreasing are evaluated based on exposure duration. Underwriters rely on medical exams, MIS handling, and third-party providers for accurate assessment. Medical knowledge includes anemia types, tuberculosis transmission, cardiac anatomy, and diagnostic tests like HbA1c and blood films. Genetic testing helps in diagnosis and prediction of diseases. Decisions for sub-standard risks include loading, postponement, exclusions, or decline. Overall, it integrates occupational, medical, and lifestyle factors for effective insurance risk evaluation.
1. Rajesh has a travelling job, he travels to certain foreign locations where the crime rate is very high. Will his application for life insurance cover be selected for underwriting or not?
a) Proposal will be accepted at standard terms
b) Proposal will be considered at high risk and may be rejected
c) Proposal will be accepted with some moderate terms
d) Either (b) or (c)
2. If an individual has been working as an X-ray technician for more than 18 years and after that switched the job of other type, then the risk associated with him will be _____.
a) Increasing extra risk
b) Constant extra risk
c) Decreasing extra risk
d) Increasing high risk
3. Find the odd man out:
a) Glucose 6 Phosphate Dehydrogenase (G6PD) Deficiency
b) Sickle Cell Disease, Thalassemia
c) Haemoglobinopathies & Hereditary Spherocytosis
d) A ruptured blood vessel
4. Medical examination to be conducted in the insurance companies through external service providers, who are called______.
a) Third party administrators
b) Core underwriting panel
c) Medical authority
d) Third party medical team
5. Which of the following is not a factor that is used by the underwriters for pricing of risk?
a) Heredity
b) Personal
c) Morality
d) Environmental
6. In the underwriting department who is responsible for managing the MIS relating to medical reports?
a) Medical team
b) Underwriting team
c) Management team
d) Technical team
7. The spinal cord is connected with which part of the brain?
a) Cerebrum
b) Pons
c) Medulla oblongata
d) Midbrain
8. Blood transport ______ to allow various parts of the body to communicate to each other.
a) Hormones
b) Vitamins
c) Platelets
d) Carbon dioxide
9. Which one is not the main function of the digestive system?
a) Only (i)
b) Only (i) & (ii)
c) Only (ii), (iii) & (iv)
d) Only (ii) & (iv)
10. Tuberculosis gets transmitted from one person to another. State this statement is true or false.
a) True, tuberculosis can be transmitted through TB sneezes only
b) False, tuberculosis is a non-transferable disease
c) True, tuberculosis can be transmitted through sneezes, cough or talks
d) False, tuberculosis is caused due to smoking habit
11. What can be the reason for which genetic tests are used in a life insurance company?
a) Pre-natal diagnostic testing
b) Conformational diagnosis of a symptomatic individual
c) Pre-symptomatic testing for predicting adult-onset disorders
d) To confirm diagnosis and guide treatment
12. The examination of blood films stained with Wright’s stain frequently provides important clues in the diagnosis of ______.
a) Hypertension
b) Anaemias
c) Blood loss
d) Loss of red blood cells
13. Which anaemias are recognized by an elevated Mean Cell Volume (MCV)?
a) Normocytic
b) Macrocytic
c) Microcytic
d) None
14. Decision for sub-standard risk or high risk can be:
a) Declining the risk
b) Accepting the risk with loading
c) Accepting the risk after a period of time
d) Accepting the risk with exclusion
15. Which among the given options are the underwriting considerations regarding ear disorders?
a) Ear disorders usually do not attract ratings for life benefits
b) Deafness is covered under critical illness policies
c) Ear disorders can result in lifetime hearing loss
d) Both (a) & (b)
16. ITP stands for_____.
a) Idiopathic Thrombocytopenic Plasma
b) Idiopathic Thrombocytopenic Purpura
c) Immune thrombocytopenic Platelets
d) Immune Thyrocare Protein
17. Where most of the cardiac muscles of the heart are found?
a) Pericardium
b) Myocardium
c) Epicardium
d) Endocardium
18. The postponed or deferment period allowed by the underwriter can be from____ to______.
a) 1 month to 1 year
b) 1 month to 2 years
c) 3 months to 3 years
d) 2 months to 3 years
19. Which clinical assessments are important for diabetic applicants for insurance underwriting?
a) Check renal function
b) Measurement of serum lipids
c) Monitor HbA1c values
d) Measurement of underlying heart disease
20. What should be the normal values of haemoglobin (Hgb) content in male member?
a) 11–16 mg/dl
b) 12–17 mg/dl
c) 13–18 mg/dl
d) 12–20 mg/dl
