IC22 Mock Test Sample 6
These questions cover IC22 concepts on underwriting, medical science, and reinsurance. Rating information is available in underwriting manuals. Normocytic anemia has normal MCV, while macrocytic anemia is mainly due to Vitamin B12 and folic acid deficiency. Underwriters assess risk for insurance policies. Food absorption occurs in the small intestine, and digestive glands include salivary glands and liver. Asthma is a chronic airway inflammation disease. CBC helps detect blood abnormalities. Thyroid hormones include T3 and T4. Nephropathy damages kidneys in diabetes. Financial instability may lead to rejection of proposals. Catastrophe reinsurance covers mass events like train accidents. Pulmonary arteries carry deoxygenated blood to lungs.
1. While underwriting, rating information is available in
a) Company manual
b) Reinsurance manual
c) Underwriting manual
d) Any (a) or (b)
e) Any (a) or (c)
2. Which has normal MCV?
a) Normocytic
b) Microcytic
c) Macrocytic
d) None
e) All of the above
3. Causes of macrocytic anaemia
a) Vitamin D deficiency
b) Vitamin B12 deficiency
c) Folic acid deficiency
d) Both (b) & (c)
e) Both (a) & (b)
4. Professionals hired for underwriting
a) Actuaries
b) Underwriters
c) Insurer
d) Marketing manager
e) Surveyor
5. Not a neurovascular disorder
a) Cavernous malformation
b) Brain aneurysm
c) Arteriovenous malformation
d) Multiple sclerosis
e) None
6. Where is food absorbed?
a) Stomach
b) Small intestine
c) Pancreas
d) Salivary gland
e) Gall bladder
7. Digestive system glands
a) Kidney & gall bladder
b) Liver & kidney
c) Liver & thyroid
d) Salivary gland & liver
e) Pancreas & kidney
8. Chronic airway inflammation disease
a) High BP
b) Asthma
c) Influenza
d) Pneumonia
e) Lung cancer
9. Measurement of blood cell size, number, maturity
a) Platelets
b) Hemoglobin
c) Plasma
d) Complete blood count
e) None
10. Test for blood cell abnormalities
a) CBC
b) MCV
c) ATP
d) ITP
e) CBA
11. Thyroid hormones
(i) T3 (ii) LH (iii) T4
a) Only (iii)
b) Only (ii)
c) Only (i) & (iii)
d) Only (ii) & (iii)
e) Only (i)
12. Decrease in brain blood flow
a) TIA
b) Cerebral ischemia/infarction
c) Hemorrhagic
d) MS
e) None
13. Not chronic excessive bleeding
a) Hemorrhoids
b) Heavy menstruation
c) Bladder tumors
d) Childbirth
e) Digestive cancer
14. Kidney damage due to diabetes
a) Cardiovascular disease
b) Retinopathy
c) Nephropathy
d) Hypertension
e) Neuropathy
15. Underwriter decision for financially weak applicant
a) Accept for dependents
b) Reject (cannot pay premium)
c) Reject (large family)
d) Postpone
e) Accept with high rating
16. Not a kidney region
a) Ureter
b) Cortex
c) Medulla
d) Renal pelvis
e) None
17. Untreated hypothyroidism leads to
a) High BP
b) Kidney failure
c) High cholesterol
d) Heart disease
e) None
18. Reinsurance for multiple deaths (train accident)
a) Catastrophe reinsurance
b) Facultative reinsurance
c) Retention limits
d) Travel insurance
e) Financial reinsurance
19. Pulmonary artery carries blood to
a) Heart
b) Liver
c) Lungs
d) Kidney
e) Brain
20. Underwriting at branch/regional level
a) Decentralized underwriting
b) Standard underwriting
c) Centralized underwriting
d) Substandard underwriting
e) None
