IC22 Mock Test Sample 9
These questions highlight key concepts of underwriting, medical knowledge, and insurance principles. Lungs are responsible for gaseous exchange, and pre-diabetes is an intermediate stage before diabetes. Stroke is a vascular disorder, while protein or ketones in urine help assess diabetes risk. Kidney diseases like CKD and transplant cases are sub-standard risks. Pyelonephritis is a kidney infection. Selecting more sub-standard risks increases claim payouts. Bile juice aids digestion without enzymes. Coronary heart disease is the most common cause of death. Digestive system terms are interchangeable. Extrinsic asthma is common in children. Insurable interest is essential for beneficiaries. Underwriting focuses on risk evaluation and pricing, while facultative reinsurance is used for large risks beyond treaty limits.
1. Which of the following is responsible for gaseous exchange between the circulatory system and the outside world?
a) Lungs
b) Diaphragm
c) Larynx
d) Respiratory system
2. ____________ is an intermediary stage between the healthy stage and the diabetic stage in an individual.
a) Type I Diabetes
b) Pre-diabetes
c) Type II Diabetes
d) Gestational Diabetes
3. Find the odd man out (Chronic excessive bleeding):
a) Cancer in the digestive tract
b) Bladder tumours & haemorrhoids
c) Folate deficiency
d) Ulcers in the stomach or small intestine
4. ___________ is an example of vascular disorder.
a) Stroke
b) Meningitis
c) Epilepsy
d) Parkinson’s disease
5. Screening of presence of ______ in urine is an important step in insurance underwriting diabetes.
a) Vitamin B12
b) Protein
c) Calcium
d) Ketones
6. Which of the following kidney diseases are classified as sub-standard risk?
a) Polycystic kidney disease
b) Chronic kidney disease
c) Kidney transplant
d) None of the above
7. Infection of kidneys in pregnant women is called _____.
a) Cystitis
b) Polycystic
c) Pyelonephritis
d) Bladder infection
8. Which of the following is not a rider used by life insurance companies?
a) Critical illness rider
b) Waiver premium rider
c) Temporary disability benefit rider
d) Term rider
9. If an insurer selects more sub-standard risks, what will be the result?
a) More profit
b) Reduced expenses
c) Higher claim payouts
d) Improved reputation
10. Digestive juice without enzyme is:
a) Pepsin
b) Bile juice
c) Pancreatic juice
d) Villi
11. Which of the following is not a symptom of asthma?
a) Chest tightness
b) Whistling sound while breathing
c) Chronic coughing
d) Poor response to treatment
12. Which insurance plan is allowed for keyman insurance?
a) Endowment plan
b) Term assurance plan
c) Money back policy
d) Retirement plans
13. Most common heart disease causing death is:
a) Hypertension
b) Coronary heart disease
c) Myocardial disease
d) Heart murmur
14. Which of the following are organs responsible for digestion?
a) Digestive system
b) Alimentary system
c) Gastrointestinal system
d) Both (a) & (c)
15. Which statement about hyperthyroidism is NOT true?
a) Anti-thyroid drugs can achieve remission
b) Untreated hyperthyroidism has low mortality risk
c) Vision impairment can occur
d) After treatment mortality risk is low
16. Allergic asthma in children (2–6 years) is known as:
a) Intrinsic asthma
b) Extrinsic asthma
c) Moderate asthma
d) Severe asthma
17. Which is not a component of blood?
a) Chemical substances
b) Plasma
c) Gases
d) Platelets
18. Policy beneficiary should have ______ in the life of insured.
a) Copy of proposal form
b) Insurable interest
c) Justified relationship
d) Income certificate
19. Life insurance underwriting is mainly concerned with:
a) Evaluation of risk
b) Pricing of risk
c) Only (a)
d) Both (a) & (b)
20. Which type of reinsurance is used when sum assured exceeds treaty limits?
a) Treaty reinsurance
b) Facultative reinsurance
c) Automatic reinsurance
d) Only (a) & (c)
