IC22 LIFE INSURANCE UNDERWRITING EXAM -14

Q1.The examination of blood films stained with Wright’s stain frequently provides important clues in the diagnosis of ___.
 Hypertension.
 Anaemias.
 Blood loss.
 Loss of red blood cells.
 Folate deficiency.

 

Q2.Which among the given options are the underwriting consideration regarding ear disorders?
For life benefits, ear disorders usually do not attract any ratings themselves, but ratings may be applicable for the underlying cause.
For critical illness, special consideration needs to be given as deafness is usually covered under critical illness policies.
For critical illness, special consideration needs to be given as ear disorders can result in lifetime hearing loss.
 Both (a) & (b)
 Both (a) & (c)

 

Q3.Which Anaemias Are Recognized By An Elevated Mean Cell Volume Or Mcv
 Normocytic
 Macrocytic
 Microcytic
 None
 all of the above

 

Q4.Decision For Sub Standard Risk Or High Risk Can Be
 Declining The Risk
 Accepting The Risk With Loading
 Accepting The Risk After A Period Of Time
 Accepting The Risk With Exclusion
 All Above

 

Q5.ITP stands for__.
 Idiopathic Thrombocytopenic Plasma.
 Idiopathic Thrombocytopenic Purpura.
 Immune thrombocytopenic Platelets.
 Immune Thyrocare Protein.
 Idiopathic Thyrocare Plasma.

 

Q6.Digestion.
 Absorption.
 Defecation.
 Ingestion.
 Motility.

 

Q7.The postponed or deferment period allowed by the underwriter can be from_ to___.
 1 month to 1 year.
 1 month to 2 years.
 3 months to 3 years.
 2 months to 3 years.
 1 month to 3 years.

 

Q8.Which clinical assessment(s) are important for diabetic applicants for insurance underwriting?
 Check renal function.
 Measurement of Serum Lipids.
 Monitor values of Gly Hb or Hba1c.
 Measurement of underlying Heart disease.
 All the above.

 

Q9.What should be the normal values of Haemoglobin (Hbg) content in male members?
 11-16 mg/dl.
 12-17 mg/dl.
 13-18 mg/dl.
 12-20 mg/dl.
 11-18 mg/dl.

 

Q 10. Which occupations are categorized as “high risks occupations” in life insurance underwriting?
 Occupations with the risks of mortality.
 Occupations with the risks of high income.
 Occupations with the risks of morbidity.
 Both (a)&(c)
 Both (a)&(b)

Click Here for Answer Key