IC22 Mock Test Sample 3
These questions cover underwriting, medical, and reinsurance concepts in IC22. Waiver of premium riders may waive and even fund future premiums in case of death or total disability. Diabetic nephropathy damages kidneys due to high blood sugar. Hemoglobin carries oxygen in blood. ACR is useful when medical tests are absent. Salary slips are key income proof for salaried individuals. COPD is mainly caused by smoking. Hepatitis A and E spread through contaminated food and water. Catastrophe reinsurance excludes war and disasters. Intrinsic asthma develops in adulthood. Substandard risks pay extra premiums. Underwriting involves assessing, classifying, and evaluating risks comprehensively.
1. In which case insurer waives premium and may pay future premiums in child plan with rider?
a) Death of life insured
b) Loss of job due to calamities
c) Total disability of insured
d) Unemployment due to disability
e) All the above
2. Kidney damage due to high blood sugar is called
a) Neuropathy
b) Retinopathy
c) Nephropathy
d) Cardiovascular disease
e) None
3. Oxygen-carrying protein in RBC is
a) Hemoglobin
b) Bone marrow
c) Alpha
d) Platelets
e) White blood cells
4. Tool used when no medical screening is available
a) KYC
b) Underwriting guidelines
c) ACR
d) BMI
e) IRDA guidelines
5. Standard income proof for salaried person
a) Bank statement
b) Salary slip
c) Rental agreement
d) Utility bill
e) None
6. Main cause of COPD
a) Alcohol
b) Heredity
c) Smoking
d) Drug addiction
e) Allergy
7. Hepatitis spread through contaminated food/water
a) Hepatitis B
b) Hepatitis A
c) Hepatitis E
d) Both (b) & (c)
e) Both (a) & (b)
8. Reinsurance not covering war/disaster mortality risks
a) Facultative
b) Catastrophe
c) Automatic
d) Treaty
e) None
9. Iron deficiency in women due to
a) Blood loss
b) Poor diet
c) Weight gain
d) Only (a) & (b)
e) Only (c) & (d)
10. Most common cause of acute bronchitis in children
a) Bacteria
b) Viruses
c) Allergy
d) Fungal
e) Helminthes
11. Reinsurer of a reinsurer is called
a) Reinsurer retro
b) Treaty reinsurance
c) Retrocessionaire
d) Introcessionaire
e) Retrocedent
12. Asthma appearing after age 30
a) Extrinsic asthma
b) Intrinsic asthma
c) Mild asthma
d) Severe asthma
e) Moderate asthma
13. Who pays extra premium due to higher risk?
a) Substandard risk
b) Standard risk
c) Rating the risk
d) Classification of risk
e) None
14. Method applying flat extra rate for risky hobbies
a) Standard premium rate
b) Standard extra premium
c) Substandard extra premium
d) Extra mortality rate method
e) High standard extra
15. Life insurance underwriting is process of
a) Rating risk
b) Assessing risk
c) Classifying risk
d) Evaluating risk
e) All the above
16. Type 1 diabetes may lead to ______ failure
a) Heart
b) Eye
c) Kidney
d) Glaucoma
e) None
17. High risk profile persons include
a) HNI
b) Politically exposed persons
c) Non-residents
d) Only (a) & (b)
e) All (a), (b) & (c)
18. Test NOT commonly used for diabetes diagnosis
a) OGTT
b) Fasting sugar
c) HbA1c
d) Random glucose
e) None
19. Not a factor in pilot underwriting risk
a) Flying hours
b) Routes
c) Aircraft type
d) Dependents
e) Employer ID
20. Renal cell carcinoma implication
a) Better survival if early stage
b) High mortality even if localized
c) Higher risk if both kidneys affected
d) Survival higher at any stage
e) All statements false
