English ic 33 paper 6 to 10 with answers

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English IC 33 Paper 6 (2014-New Syllabus )
Question 1
In which year MWP Act was formed?
A 1999
B 1998
C 1874
D 1940
Question 2
What is the full Form MWP Act?
A Married Wealth Pension Act
B Mortage Wealth Property Act
C Money Mortage Loan Act
D Married Women Property Act
Question 3
The address of the local ombudsman is given in which part of policy
document?
A Policy schedule
B First premium receipt
C Standard provisions

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D Proposal form
Question 4
Which of the below statement is true?
A Life insurance policies are contracts of indemnity while general
insurance policies are contracts of assurance
B Life insurance policies are contracts of assurance while general
insurance policies are contracts of indemnity
C In case of general insurance the risk event protected against is certain
D The certainty of risk event in case of general insurance increases with
time
Question 5
In case the policyholder is not satisfied with the policy, he I she can
return the policy within the free-look period i.e. within
______________ of receiving the policy document.
A 60 days
B 45 days
C 30 days
D 15 days
Question 6
Savings can be considered as a composite of two decisions. Choose
them from the list below.

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A Risk retention and reduced consumption
B Gifting and accumulation
C Spending and accumulation
D Postponement of consumption and parting with liquidity
Question 7
Which of the following statement is correct
A Higher the mortality rate in the mortality table, higher the premiums
would be
B Higher the interest rate assumed, lower the premium
C Both of the above
D Premium would remain unaffected
Question 8
Inter-temporal allocations means
A Allocation on time
B Allocation across time
C Allocation before time
D Allocation after time
Question 9

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Mr Raju want a pension plan in which after he dies the annuity is paid
to his spouse for her life time. Which type of Annuity Mr. Raju should
purchase
A Joint Life last surviver with return of purchase of price
B Immdiate Annuity
C Joint Life Annuity
D Deferred annuity
Question 10
Mr Rohit has invested a lump sum amount in a pension plan and
immediately starts to receive annuity on a monthly basis, which kind of
Annuity has he taken?
A Deferred Annuity
B Commutation
C Payments
D Immediate Annuity
Question 11
Moral hazard by health insurance companies can result in
_____________
A Community rating
B Adverse selection

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C Abuse of health insurance
D Risk pooling
Question 12
During which stage of life will an individual appreciate past savings the
most?
A Post retirement
B Earner
C Learner
D Just married
Question 13
By transferring risk to insurer, it becomes possible _________
A To become careless about our assets
B To make money from insurance in the event of a loss
C To ignore the potential risks facing our assets
D To enjoy peace of mind and plan one's business more effectively
Question 14
Which is the prime cause of financial distress in financial planning?
A Risk Tolerance
B Unplanned

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C Time Horizon
D Planned
Question 15
Optimal method of converting principal (which we may call the corpus
)into annuity payments for meeting income needs post retirement is
known as _______________
A Distribution
B Accumulation
C Conversation
D Estate
Question 16
Find out the proximate cause for death in the following scenario? Ajay
falls off a horse and breaks his back. He lies there in a pool of water and
contracts pneumonia. He is admitted to the hospital and dies because
of pneumonia.
A Pneumonia
B Broken back
C Falling off a horse
D Surgery

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Question 17
Which of the following statement is correct in relation to claim?
A A claim is the demand of performance by the insurer
B A claim arises only when insured event takes place
C A claim is valid if insured has paid all the premiums
D All of the above
Question 18
_______________ refers to a hospital/health care provider enlisted by
an insurer to provide medical services to an insured on payment by a
cashless facility.
A Day care centre
B Network provider
C Third Party Administrator
D Domiciliary
Question 19
Phases of retirement planning are __________
A Distribution, Accumulation
B Conversation, Accumulation
C Conversation, Distribution

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D Accumulation, Conservation, Distribution
Question 20
Insurance agent represents the___________
A Insurance company
B Sub-agent
C Co-agent
D Broker
Question 21
Can a complaint be launched against a private insurer?
A Complaints can be launched against public insurers only
B Yes, complaint can be launched against private insurers
C Complaint can be launched against private insurers only in the Life
Sector
D Complaint can be launched against private insurers only in the Non-
Life Sector
Question 22
Mrs. Shailaja wishes to buy a product which will provide her both a
death and a survival benefit component. Which plan will you suggest
for her?
A Endowment Assurance Plan

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B Term Assurance Plan
C Money Back Plan
D Annuity Plan
Question 23
The term TPA refers to______________ . (Answer with regards to
health insurance)
A The Primary Associate
B To Provide Assistance
D Third Party Assistance
Question 24
Fire in belly means
A Hunger to excel
B Be feel hungry
C Work only for commission
D None of the above
Question 25

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Complaint can be made to the Ombudsman if __________
A The complainant is not satisfied with the reply given by the insurer
B If the complaint is pending for a long time in any other court
C Complaint can be made within 2 years from the date of rejection
D None of the above
Question 26
Which among the following scenarios warrants insurance?
A The sole bread winner of a family might die untimely
B A person may lose his wallet
C Stock prices may fall drastically
D A house may lose value due to natural wear and tear
Question 27
Ram has taken a plan of 10 Lacs from ABC Ltd. On 1st June 2010. He
died on 20th June 2014 without paying the due premiums of Rs.
30,000. Bonus accumulated during the period was 50,000. Death
benefit payable is?
A 10,00,000

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B 10,50,000
C 10,20,000
D 10,80,000
Question 28
_________________ planning includes current need, future need,
individual risk profile and income to roadmap anticipated need
A Risk Tolerance
B Estate Planning
C Financial Planning
D Time Horizon
Question 29
________________ is an insured who undergoes treatment after
getting admitted in a hospital.
A Inpatient
B Outpatient
C Day patient

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D House patient
Question 30
If Mortality rate for 30-31 years is .0021 , then mortality cost for
insurance would be
A Rs 21 per 100 S.A.
B Rs 21 per 1000 S.A.
C Rs 21 per 10000 S.A.
D Rs 21 per 100000 S. A.
Question 31
Under risk classification,_____________ consist of those whose
anticipated mortality corresponds to the standard lives represented by
the mortality table.
A Standard lives
B Preferred risks
C Sub-standard lives

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D Declined lives
Question 32
Which of the below option is true with regards to MWP act cases?
Statement I: Death claims are settled in favour of nominees Statement
II: Death claims are settled in favour of trustees
A I is true
B II is true
C Both I and 1r are true
D Neither I nor II is true
Question 33
When is the best time to start financial planning?
A Post retirement
B As soon as one gets his first salary.
C After marriage
D Only after one gets rich
Question 34

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Free Consent containt Mistake, Fraud, Misrepresentation,_________
and ___________
A Undue Influence
B Coercion
C Both options
D None of the above
Question 35
In the keyman insurance premium is paid by the ____________
A Company
B Employee
C Director
D None of the above
Question 36
How much Sum assured is permissible in relation to the income
A 5to 10 times of the annual income
B 10 to 12 times of the annual income

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C 12 to 15 times of the annual income
D 15 to 20 times of the annual income
Question 37
Given below is a list of documents to be submitted for a normal death
claim by all beneficiaries in the event of death of life insured. Pick the
odd one out which is additionally required to be submitted only in case
of death by accident.
A inquest report
B Claim form
C Certificate of burial or cremation
D Hospital's certificate
Question 38
Which of the following cases is likely to be declined or postponed by a
life insurer?
A Healthy 18 year old
B An obese person
C A person suffering from AIDS
D Housewife with no income of her own

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Question 39
______________ is a plan with the provision for return of a part of the
sum assured in periodic installments during the term and balanced of
sum assured at the end of the term.
A Pure Endowment Plan
B Money back plan
C Whole Life Insurance
D Cash back plan
Question 40
Which of the following is not a case of moral hazard
A proposal is submitted at a branch located far away place of residence
of the proposed insured
B A medical examination is done elsewhere even when a qualified
medical examiner is available near one"s placeof residence
C A stuntman of a film offered high sum assured

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D When a proposal is made on another without having clear insurable
interest
Question 41
Active listening involves:
A Paying attention to the speaker
B Giving an occasional nod and smile
C Providing feedback
D Paying attention to the speaker, giving an occasional nod and smile
and providing feedback
Question 42
Health Insurance policies can be obtained by_______________
A Group
B Individual
C Family
D All of the above
Question 43

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In which insurance plan only the premiums paid over the term are
returned back?
A Unit Linked Insurance Plan
B Participating Plans
C Return of Premium Plan
D Money Back
Question 44
Which among the following is a non-traditional life insurance product?
A Term assurance
B Universal life insurance
C Endowment insurance
D Whole life insurance
Question 45
In progressive risk profile Investment style is ______________
A Accumulation
B Wealth Accumulation

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C Estate Planning
D Consolidation
Question 46
Prospecting in an insurance sale is ________________
A Gathering the names of people who may be interested in insurance
B Preparing a list of all the persons in the city
C Enlisting all the policyholders of the branch office
D Preparing list of all the agents in the neighbourhood
Question 47
In Fire Insurance if the proposer discloses the following information at
the time of insurance contract -1) Construction of building & age, 2)
nature of goods in building premises. Then as per the insurance
contract which information is he disclosing _____________
A Material Fact
B Insurable Interest
C Proximate Clause
D Contract of Adhesion

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Question 48
Bonus attached to the contract only on its contractual termination is
A Simple reversionary bonus
B Compound bonus
C Super compound bonus
D Terminal bonus
Question 49
Empathetic listening means
A To agree to everything the customer says....
B Putting yourself in the shoes of the customer and understanding the
experience from his point of view
C Analyzing the customer"s experience in detail and making notes
D To sympathize with the customer"s current situation
Question 50
Mr Kumar wants to transfer his property in the name of his Son Vijay,
this is known as _____________ planning
A Investment Planning

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B Retirement Planning
C Estate Planning
D All of the above
==========================================================
Question 1
What are some non verbal gestures that indicate defensiveness and
non receptivity
A Smiling face
B Arms are crossed in front of you
C Purposeful gestures
D Shoulders held back
Question 2
Which of the following cases is likely to be declined or postponed by a
life insurer?
A Healthy 18 year old
B An obese person
C A person suffering from AIDS
D Housewife with no income of her own
Question 3

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_______________________ was the first legislation enacted to
regulate the conduct of insurance companies in India
A The Insurance Act 1938
B The Life insurance companies Act 1938
C Provident Fund Act 1912
D The Insurance Act 2000
Question 4
Identify the form of insurance that is depicted in the following scenario.
Scenario: Patient pays the health provider and is subsequently
reimbursed by the health insurance company.
A Service Benefit
B Direct contracting
C Indemnity
D Casualty
Question 5
An individual with an aggressive risk profile is likely to follow wealth
______________ investment style.
A Consolidation
B Gifting
C Accumulation

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D Spending
Question 6
Who cannot be covered under a family floater policy?
A Children
B Spouse
C Parents-in-law
D Maternal uncle
Question 7
________________ are unforeseen life events that may call for a large
commitment of funds
A UHF'
C Diversification
D Contingencies
Question 8
Which of the below option is true with regards to MWP act cases?
Statement I: Death claims are settled in favour of nominees Statement
II: Death claims are settled in favour of trustees
A I is true
B II is true

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C Bath I and ll are true
Question 9
Which of the below insurance proposal is not likely to qualify under
non- medical underwriting?
A Savita, aged 26 years, working in an IT company as a software
engineer
B Mahesh, aged 50 years, working in a coal mine
C Satish, aged 28 years, working in a bank and has applied for an
insurance cover of Rs. 1 crore
D Pravin, aged 30 years, working in a departmental store and has
applied for an endowment insurance plan for a tenure of 10 years
Question 10
_________________ planning includes current need, future need,
individual risk profile and income to roadmap anticipated need
A Risk. Tolerance
B Estate Planning
C Financial Planning
D Time Horizon
Question 11

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How many life insurance companies are operating in India currently ?
A 26
B 3
C 20
D 24
Question 12
__________________ life insurance pays off a policyholder’s mortgage
in the event of the persons death.
A Term
B Mortgage
C Whole
D Endowment
Question 13
State which of the statement is correct.
A In Ulip the policy holder can surrender the plan post 5 yrs of policy.
B In Ulip the policy holder cannot surrender the plan post 5 yrs of
policy.
C In Ulip the policy holder cannot surrender the plan post 3 yrs of
policy.
D Policyholder cannot surrender the plan

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Question 14
Which of the below is not a valid consideration for a contract?
A Money
B Property
C Bribe
D Jewellery
Question 15
Mr Rohit has invested a lump sum amount in a pension plan and
immediately starts to receive annuity on a monthly basis, which kind of
Annuity has he taken?
A Deferred Annuity
B Commutation
C Payments
D Immediate Annuity
Question 16
Which of the below statement is true regarding ULIP's?
A Value of the units is determined by a formula fixed in advance
B Investment risk is borne by the insurer
C ULIP's are opaque with regards to their term, expenses and savings
components

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D ULIP's P's are bundled products
Question 17
Which of the below option is true with regards to MWP Act cases?
Statement I: Maturity claims cheques are paid to policyholders
Statement II: Maturity claims cheques are paid to trustees
A I is true
B II is true
C Both I and II are true
Question 18
Predominant cause which sets into motion the chain of events
producing the loss is known as ______________
A Contract Adhesion
B Proximate Cause
C Leagality
D Utmost Good Faith

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Question 19
Which of the below option best describes the process of insurance?
A Sharing the losses of many by a few
B Sharing the losses of few by many
C One sharing the losses of few
D Sharing of losses through subsidy
Question 20
Are there any fee I charges that need to be paid for lodging the
complaint with the Ombudsman?
A A fee of Rs 100 needs to be paid
B No fee or charges need to be pald
C 20% of the relief sought must be paid as fee
D 10% of the relief sought must be paid as fee
Question 21
Components of premium are
A Mortality & interest
B Bonus loadings
C Reserves & expenses of management
D All of the above

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Question 22
Which of the following is not a part of investment parameters
A Diversification
B Time Horizon
C Retirement Planning
D Risk Tolerance
Question 23
Mr. Rahul has recently undergone a surgery in a non-network hospital.
How can he settle his claim?
A Cashless
B TPA
C Reimbursement
D Direct Payment
Question 24
Which of the following is a standard age proof
A School or College Leaving Certificate
B Horoscope
C Ration Card
D Certificate from the Panchayat

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Question 25
Family history involves which of the following characteristic
A Heredity and longivity of the family
B Habit of chewing tobacco
C working in a chemical factory
D Family religion
Question 26
Which of the below tips are useful for making a good first impression?
A Being on time always
B Presenting yourself appropriately
C Being open, confident and positive
D All of the above
Question 27
Which of the following condition will affect a person's insurability
negatively?
A Daily jogs
B Banned substance abuse
C Lazy nature

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D Procrastination
Question 28
Given below are some events that will trigger survival claims. Identify
which of the below statement is incorrect?
A Claim paid on maturity of a term insurance policy
B An instalment payable upon reaching the milestone under a money-
back policy
C Claim paid for critical illnesses covered under the policy as a rider
benefit
D Surrender value paid on surrender of an endowment policy by the
policyholder
Question 29
Question 30
Which among the following can be categorised under contingency
products?

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A Bank deposits
B Life insurance
C Shares
D Bonds
Question 31
Which of the below statement is correct?
A Selling is an art and not a science
B Selling is a science and not an art
C Selling is neither an art or a science
D Selling is both an art and a science
Question 32
Mrs Ananya wants to purchase a ULIP and has shown interest in
investing in a fund where major portion should be invested in equity
related instruments. Which fund would you suggest for her?
A Balanced Fund
B Debt Fund
C Money Market Fund
D Equity Fund
Question 33
If an agent wants to earn more commission

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A He will meet fixed number of existing customers
B He will have to meet more number of prospects
C Do nothing as he getting renewal commission
D Persuade to surrender exiting policy and buy new one - to existing
customer
Question 34
Who bears the investment risk in case of ULIPs?
A Insurer
B Insured
C State
D IRDA
Question 35
this is known as _____________ planning
A Investment Planning
C Estate Planning
D All of the above
Question 36
Which of the below death claim will be treated as an early death claim?

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A If the insured dies within three years of policy duration
B If the insured dies within five years of policy duration
C If the insured dies within seven years of policy duration
D If the insured dies within ten years of policy duration
Question 37
Given below is a list of documents to be submitted for a normal death
claim by all beneficiaries in the event of death of life insured. Pick the
odd one out which is additionally required to be submitted only in case
of death by accident.
A Inquest report
B Claim form
C Certificate of burial or cremation
D Hospital's certificate
Question 38
Which of the below is not a strategy to maximise discretionary income?
A Debt restructuring
B Loan transfer
C Investment restructuring
D Insurance purchase
Question 39

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Which among the following is not an objective of tax planning?
A Maximum tax benefit
B Reduced tax burden as a result of prudent investments
C Tax evasion
D Full advantage of tax breaks
Question 40
Mr. Rohit has already opted for Deferred Annuity however he wants to
know how much amount can he withdraw as lumpsum before the start
of annuity phase
A Accumulated Value
B Fund Value
C 1/3 rd of Fund Value
D He can withdraw the entire amount if need be
Question 41
Which of the below statement is correct? I. The typical loading to a net
premium would have 3 parts:
A The typical loading to a net premium would have 3 parts: a) a
constant amount for premiums b) a constant amount for each '1000
sum assured' and c) a constant amount per policy

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B The typical loading to a net premium would have 3 parts: a) a
percentage of premiums b) a constant amount for each '1000 sum
assured' and c) a constant amount per policy
C The typical loading to a net premium would have 3 parts: a) a
percentage of premiums b) a constant percentage for each '1000 sum
assured' and c) a constant amount per policy
D The typical loading to a net premium would have 3 parts: a) a
percentage of premiums b) a constant amount for each "1000 sum
assured' and c) a percentage amount per policy
Question 42
What benefits are given by the government to promote health
insurance?
A Cash Benefits
B Premium Discontinuance
C No claims Bonus
D Tax Benefits
Question 43
____________ refers to a hospital/health care provider enlisted by an
insurer to provide medical services to an insured on payment by a
cashless facility.
A Day care centre
B Network provider

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D Domiciliary
Question 44
Keyman insurance indemnify ______________ incurred but
compensates with fixed monetary sum as specified on the insurance
policy
A Actual Losses
B Actual Expenses
C Early Premiums
D Fixed Monetary sum is specify in the policy
Question 45
Based on classification of claims (early or non-early), pick the odd one
out?
A Ramya dies after 6 months of buying a term insurance plan
B Mario] dies after one and half years of buying a term insurance plan
C David dies after two and half years of buying a term insurance plan
D Pravin dies after five and half years of buying a term insurance plan
Question 46
____________________ relates to inaccurate statements, which are
made without any fraudulent intention.

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A Misrepresentation
B Contribution
C Offer
D Representation
Question 47
Can a complaint be launched against a private insurer?
A Complaints can be launched against public insurers only
B Yes, complaint can be launched against private insurers
C Complaint can be launched against private insurers only in the Life
Sector
D Complaint can be launched against private insurers only in the Non-
Life Sector
Question 48
What does a first premium receipt (FPR) signify? Choose the most
appropriate option.
A Free look period has ended
B It is evidence that the policy contract has begun
C Policy cannot be cancelled now
D Policy has acquired a certain cash value

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Question 49
Which Act govern the insurance business in India
A IRDA Act 1999
B Insurance Act 1938
C Consumer Protection Act 1958
D None of the above
Question 50
A policy is effected under the MWP Act. If the policyholder does not
appoint a special trustee to receive and administer the benefits under
the policy, the sum secured under the policy becomes payable to the
_____________
A Next of kin
B Official Trustee of the State
C Insurer
D Insured
==========================================================
Question 1
Which of the below is an advantage of cash value insurance contracts?
A Returns subject to corroding effect of inflation

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B Low accumulation in earlier years
C Lower yields
D Secure investment
Question 2
Which of the following is an example of moral hazard?
A Stunt artist dies while performing a stunt
B A person drinking copious amounts of alcohol because he is inured
C Insured defaulting on premium payments
D Proposer lying on policy document
Question 3
Question 4

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An individual with an aggressive risk profile is likely to follow wealth
_____________ investment style.
A Consolidation
B Gifting
C Accumulation
D Spending
Question 5
When an applicant is seeking license for the first time, he I she is
supposed to undergo _____________ of practical training from an
approved institution in life insurance.
A 25 hours
B 50 hours
C 75 hours
D 100 hours
Question 6
Prospectus is a _____________ Document used by the company that
provides details about the products

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A Informal
B Formal legal
C Illegal
D None of the abovc
Question 7
Mahesh ran a business on borrowed capital. After his sudden demise,
all the creditors are doing their best to go after Mahesh's assets. Which
of the below assets is beyond the reach of the creditors?
A Property under Mahesh's name
B Mahesh's bank accounts
C Term life insurance policy purchased under Section 6 of MWP Act
D Mutual funds owned by Mahesh
Question 8
Caveat Emptor relates to ____________
A Uberrima Fides
B Insurable Interest
C Free Consent

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D Capacity of the parties
Question 9
When is it essential for insurable interest to be present in case of life
insurance?
A At the time of taking out insurance
B At the time of claim
C Insurable interest is not required in case of life insurance
D Either at time of policy purchase or at the time of claim
Question 10
Health Insurance policies can be obtained by ______________
A Group
B Individual
C Family
D All of the above
Question 11
What is the procedure in which and indvidual can get the complicated
surgical procedures without getting admitted?
A In patient

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B Out patient
C Day care
D Normal Admission
Question 12
Select the option that best describes a policy document.
A It is evidence of the insurance contract
B It is evidence of the interest expressed by the insured in buying an
insurance policy from the company
C It is evidence of the policy (procedures) followed by an insurance
company when dealing with channel partners Like banks, brokers and
other entities
D It is an acknowledgement slip issued by the insurance company on
payment of the first premium
Question 13
Policies which have a provision for participating in profits are called as
______________
A Participating Plans
B Profit Making Plans

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C Dividend Plans
D Investment Plans
Question 14
this is known as ____________ planningA Investment Planning
C Estate Planning
D All of the above
Question 15
With regards to valuation of assets by insurance companies,
_____________ is the value at which the life insurer has purchased or
acquired its assets.
A Discounted future value
B Discounted present value
C Market value
D Book value
Question 16

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In case of _____________ , a company expresses the bonus as a
percentage of basic benefit and already attached bonuses.
A Reversionary bonus
B Compound bonus
C Terminal bonus
D Persistency bonus
Question 17
If a customer’s investment style falls into spending then in which risk
profile will he fall?
A Conservative
B Secured
C Progressive
D Aggressive
Question 18
In Keyman insurance in case the key person dies benefit is paid to
___________
A Nominee first
B Legal heir

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C Company
D Trustee
Question 19
Which of the below statement best describes the concept of claim?
Choose the most appropriate option.
A A claim is a request that the insurer should make good the promise
specified in the contract
B A claim is a demand that the insurer should make good the promise
specified in the contract
C A claim is a demand that the insured should make good the
commitment specified in the agreement
D A claim is a request that the insured should make good the promise
specified in the agreement
Question 20
Mr A, an agent has taken renewal premium of large amount from the
customer. He spends the whole premium amount and fails to deposit
the customers premium amount with the Insurance company. What
action will be taken?
A His licence will be disqualified
B He has to pay a fine of Rs 1000

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C No action will be taken against him
D He will be given a verbal warning by the Insurer
Question 21
______________ are unforeseen life events that may call for a large
commitment of funds
A ULIP
C Diversification
D Contingencies
Question 22
There are no free lunches in sales means
A Agent can not have lunch at customer place
B Agent can not offer rebate to customer
C An Agent is not an employee so insurer does not provide free lunch to
agent
D Success has a price
Question 23

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In which of the following option can the investor spread the investment
and reduce the risk
A Time Horizon
B Marketability
C Risk Tolerance
D Diversification
Question 24
________________ leads to the termination of insurance cover under
the contract?
A Money Back & Installment Claim
B Death Claim
C Critical Illness Claim
D None of the Above
Question 25
What does a product defect mean
A Imperfection
B Shortcoming

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C Inferior quality
D All of the above
Question 26
Which among the following is not a pre-requisite for launching a
A The complaint must be by an individual on a 'Personal Lines'
insurance
B The complaint must be lodged within 1 year of the insurer rejecting
the complaint
C Complainant has to approach a consumer forum prior to the
Ombudsman
D The total relief sought must be within an amount of Rs.20 lakhs.
Question 27
What is the most important part of gaining customers trust over a
period of time
A Clear communication and being present when the customer needs
assistance
B Agree to whatever the customer says
C Try and make some concessions for the customer

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D Share the details of all our products on a regular basis
Question 28
Which of the below elements promote trust?
A Communication, assertiveness and being present
B Politeness, affirmation and communication
C Attraction, communication and being present
D Affirmation, assertiveness and attraction
Question 29
Which of the below can be categorized under wealth accumulation
products?
A Bank deposits
B Life insurance
C General insurance
D Shares
Question 30

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Manish Suryawanshi
Mrs. Shailaja wishes to buy a product which will provide her both a
death and a survival benefit component. Which plan will you suggest
for her?
A Endowment Assurance Plan
B Term Assurance Plan
C Money Back Plan
D Annuity Plan
Question 31
Mr. Rahul has recently undergone a surgery in a non-network hospital.
How can he settle his claim?
A Cashless
B TPA
C Reimbursement
D Direct Payment
Question 32
Mortgage redemption insurance (MRI) can be categorised under
_________________
A Increasing term life assurance
B Decreasing term life assurance

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Manish Suryawanshi
C Variable life assurance
D Universal life assurance
Question 33
Which of the following are the elements of Financial Planning
_______________
A Investment & Risk Management
B Tax & Estate Planning
C Financial One"s need & Retirement Planning
D All of the above
Question 34
Which among the following is the regulator for the insurance industry
in India?
A Insurance Authority of India
B Insurance Regulatory and Development Authority
C Life Insurance Corporation of India
D General Insurance Corporation of India
Question 35
Primary care can be described as _______________

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Manish Suryawanshi
A are provided to patient in an acute setting
B are provided in hospitals
C First point of contact for people seeking healthcare
D Care provided by Doctors
Question 36
In which annuity plan the money is invested for a period of time until
the annuitant is ready to receive annuities
A immediate Annuity
B Deferred Annuity
C Open market
D Commutation
Question 37
Which of the below risk cannot be addressed through pensions?
A Life longevity
B Inflation
C Investment risk
D Early death

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Question 38
Phases of retirement planning are _____________
B Conservation, Accumulation
C Conservation; Distribution
D Accumulation: Conservation, Distribution
Question 39
The Cash value component in traditional products is
A Pre-planned
B Well defined
C Not well defined
D Not pre-planned
Question 40
As per the IRDA Circular of November MO, All Universal Life products
shall be know as _______________
A Unit Variable Plans

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Manish Suryawanshi
B Variable Insurance Plans
C Unit Linked Insurance Plan
D Term Assurance
Question 41
Excessive production and reproduction of cells leads to malignant
tumors is called as
A Tuberculosis
B Cancer
C Liver cirrhosis
D Diabetes
Question 42
Mr. Dsouza works in a factory. Unfortunately the factory catches fire
and Mr Dsouza is critically injured and after spending few days in the
hospital dies. What is the proximity cause in this situation.
A Death
B Sickness
C Fire in Factory
D None of the above

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Question 43
Mortagae Redemption Insurance facilitate _________________
A Higher Mortgage Rate
B Cheaper Mortgage Rate
C Higher Interest Rate
D Higher Profits
Question 44
Under Sec 47 of insurance Act 1938 when claim is ready for payment
but cannot be paid due lack of proper identification of the payee,
Interest payable would be?
A 2% over Bank Rate
B Bank Rate
C Na Interest payable
D 4% over Bank Rate
Question 45

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Manish Suryawanshi
Question 46
Any person who has completed 60 or more years of age as on the date
of commencement or renewal in health insurance policy is called
_________________
A Family floater
B Group Health Insurance
C Senior citizen
D Mediclaim
Question 47
Under what method of underwriting does an underwriter assign
positive rating points for all negative or adverse factors (negative points
for any positive or favourable factors)?
A Judgment
B Arbitrary
C Numerical rating
D Single step
Question 48

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Which of the following is not a case of moral hazard
A proposal is submitted at a branch located far away place of residence
of the proposed insured
B A medical examination is done elsewhere even when a qualified
medical examiner is available near one"s place of residence
C A stuntman of a film offered high sum assured
D When a proposal is made on another without having clear insurable
interest
Question 49
Which type of premium does not increase with age but remains
constant throughout the contract period?
A Single premium
B Level Premium
C Flexible Premium
D Risk Premium
Question 50
Surplus allocation could be towards
A Solvency requirement
B Free Assets
C Bonus declaration

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D All of the above
Question 1
Question 2
Which role does the agent play at the policy acceptance stage
A Incase additional information is required he should promptly inform
the customer
B Follow up on FPR issuance and proactively communicate to the
customer about the same
C Understand the financial needs of the customer and recommend a
solution
D Act as a primary underwriter
Question 3

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__________________ is an insured who undergoes treatment after
getting admitted in a hospital.
A Inpatient
B Outpatient
C Day patient
D House patient
Question 4
Time to settle claims as per IRDA Regulations is ________________
A 15 Days
B 30 Days
C 60 Days
D 120 Days
Question 5
What is the primary purpose of a life insurance product?
A Tax rebates
B Safe investment avenue

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C Protection against the loss of economic value of an individual's
productive abilities
D Wealth accumulation
Question 6
Amruta is pregnant. She has applied for a term insurance cover. Which
of the below option will be the best option to choose for an
underwriter to offer insurance to Amruta? Choose the most likely
option.
A Acceptance at ordinary rates
B Acceptance with extra premium
C Decline the proposal
D Acceptance with a restrictive clause
Question 7
When was Lic formed?
A 1956
B 1999
C 1976

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D 2000
Question 8
Which is the prime cause of financial distress in financial planning?
A Risk Tolerance
B Unplanned
C Time Horizon
D Planned
Question 9
Which among the following is a wealth accumulation product?
A Bank Loans
B Shares
C Term Insurance Policy
D Savings Bank Account
Question 10
Select the correct option_ Stages in the development of the agents
A Handshaking and then handholding
B handholding and then handshaking

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C Handshaking
D None of the above
Question 11
If an agent wants to earn more commission
A He will meet fixed number of existing customers
B He MI have to meet more number of prospects
C Do nothing as he getting renewal commission
D Persuade to surrender exiting policy and buy new one - to existing
customer
Question 12
insurance?
A Cash Benefits

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C No claims Bonus
D Tax Benefits
Question 13
Which among the following can be categorised under contingency
products?
A Bank deposits
B Life insurance
C Shares
D Bonds
Question 14
Which of the following are the elements of Financial Planning
_______________
A Investment & Risk Management
B Tax & Estate Planning

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Manish Suryawanshi
C Financial One"s need & Retirement Planning
D All of the above
Question 15
Which element of a valid contract deals with premium?
A Offer and acceptance
B Consideration
C Free consent
D Capacity of parties to contract
Question 16
Matters of health, habbit, occupation, Income & family details need to
mentioned in ____________ Reports
A Agent's Reports
B Medical Reports

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C Medical Referee Advice Report
D Company Report
Question 17
and reduce the risk
A Time Horizon
B Marketability
C Risk Tolerance
D Diversification
Question 18
Regulations for claim settlement is defined under
A Protection of Policy holder"s interest: 2002
B Insurance Act 1938

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Manish Suryawanshi
C IRDA Act, 1999
D IRDA regulations 2000
Question 19
Santosh has applied for a term insurance policy. His anticipated
mortality is significantly lower than standard lives and hence could be
charged a lower premium. Under risk classification, Santosh will be
classified under ______________
A Standard lives
B Preferred risks
C Substandard lives
D Declined lives
Question 20
Nationionalisation of Insurance was on __________________
A 1st September 1956

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Manish Suryawanshi
B 1st December 1956
C 1st October 1956
D 10th sept 1956
Question 21
A maximum tax benefit
C Tax evasion
Question 22
Which of the following is not an underwriting decision?
A Risk acceptance at standard rates

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B Declinature of risk
C Postponement of risk
D Claim rejection
Question 23
Which insurance is used for business protection purpose
A Children education plan
B Keyman Insurance policy
C Re-insuance
D Term insurance
Question 24
The sum assured under keyman insurance policy is generally linked to
which of the following?
A Keyman income

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Manish Suryawanshi
B Business profitability
C Business history
D Inflation index
Question 25
Varsha is a house wife. How much insurance cover is permissible to her
life, if her husband has insurance of 25 Lakh on himself
A 5 to 10 Iakh
B 10 to 15 Iakh
C Upto 25 lakh
D 25to 30 Iakh
Question 26
Mr Amit is nearing retirement, he has a lumpsum ammount to invest,
he requires regular cash flow to help cover basic living expenses, Which
type of annuity plan Amit should purchase

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Manish Suryawanshi
A Immediate Annuity
B Deferred Annuity
C Money back annuity
D Assured Annuity
Question 27
With relation to annuities, explain what does "Liquidation period" refer
to?
A Period between the purchase of annuity and commencement of
payments
B Period during which insurer makes annuity payments
C Time taken to build up the corpus
D Insolvency period
Question 28
____________ relate to one's ability to interact effectively with other
workers and customers, both at work and outside.

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A Hard skills
B Soft skills
C Negotiating skills
D Questioning skills
Question 29
Ram Purchased an insurance policy of 7 lass from ABC co. & died after 3
years. This wont be treated as
A Invalid Claim
B Non early claim
C Early Claim
D Voidable Claim
Question 30
Are there any fee I charges that need to be paid for lodging the
A A fee of Rs 100 needs to be paid

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Manish Suryawanshi
B No fee or charges need to be paid
C 20% of the relief sought must be paid as fee
D 10% of the relief sought must be paid as fee
Question 31
Phases of retirement planning are ________________
B Conversation, Accumulation
C Conversation; Distribution
D Accumulation, Conservation, Distribution
Question 32
In the keyman insurance premium is paid by the ______________
A Company
B Employee

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Manish Suryawanshi
C Director
D None of the above
Question 33
Full form of MRI
A Redemption monetary Value
B Mortagage Redemption Insurance
C Money Reducing Value
D Mortgage Reduction Insurance
Question 34
Which of the below statement is incorrect with regards to decreasing
term assurance?
A Death benefit amount decreases with the term of coverage
B Premium amount decreases with the term of coverage

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Manish Suryawanshi
C Premium remains level throughout the term
D Mortgage redemption plans are an example of decreasing term
assurance plans
Question 35
The licence of agency is valid for a period of
A 5 Years
B 3 Years
C 1 Year
D 2 Years
Question 36
Bonus attached to the contract only on its contractual termination is
B Compound bonus

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Manish Suryawanshi
D Terminal bonus
Question 37
_________________ relates to inaccurate statements, which are made
without any fraudulent intention.
A Misrepresentation
B Contribution
C Offer
D Representation
Question 38
Some common terms in health insurance are
A Inpatient
B Outpatient

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Manish Suryawanshi
C Day care centre
D All the above
Question 39
Question 40
Which feature of term insurance allows a policyholder to change or
convert a term insurance policy into a permanent plan without
providing fresh evidence of insurablity?A Changeable Term insurance
Policy
B Decreasing Term Assurance Policy

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Manish Suryawanshi
C Increasing Term Assurance Policy
D Convertability
Question 41
Which of the below statement is true?
A Life insurance policies are contracts of indemnity while general
insurance policies are contracts of assurance
B Life insurance policies are contracts of assurance while general
insurance policies are contracts of indemnity
C In case of general insurance the risk event protected against is certain
D The certainty of risk event in case of general insurance increases with
time
Question 42
Which among the following is not a pre-requisite for launching a

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Manish Suryawanshi
A The complaint must be by an individual on a 'Personal Lines'
insurance
B The complaint must be lodged within 1 year of the insurer rejecting
the complaint
C Complainant has to approach a consumer forum prior to the
Ombudsman
D The total relief sought must be within an amount of Rs.20 lakhs.
Question 43
____________ is the feature in which an health insurance policy holder
can transfer his policy with gained credit and time bound exclusion
from one insurer to another.
A Network Provider
B Portablity
C TPA
D Mediclaim
Question 44

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Manish Suryawanshi
Life insurance companies may offer rebate to the buyer on the
premium that is payable on the basis of _____________
A Sum assured chosen by the buyer
B Type of policy chosen by the buyer
C Term of the plan chosen by the buyer
D Mode of payment (cash, cheque, card) chosen by the buyer
Question 45
In a legal contract if pressure is applied on either of the parties through
criminal needs, it is known as
A Coercion
B Fraud
C Undue Influence
D Mistake
Question 46

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Manish Suryawanshi
From the below given age proof documents, identify the one which is
classified as non-standard by insurance companies.
A School certificate
B Identity card in case of defence personnel
C Ration card
D Certificate of baptism
Question 47
A policy holder need to have a ______________ to avail the benefit of
cashless facility under Health insurance policy.
A Employees ID card
B Identification card
C Policy document
D Smart Card
Question 48
Rates printed in premium table are known as

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Manish Suryawanshi
A Risk premium
B Gross premium
C Net premium
D Office premium
Question 49
_________________ are unforeseen life events that may call for a large
commitment of funds
A ULIP
C Diversification
D Contingencies
Question 50
State which of the statement is correct.A Life insurer does not provide
guarantee for unit values in case of ULIP
B Life insurer does provide guarantee for unit values in case of ULUP

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C Both the statements are correct.
D Both the statements are incorrect.
==========================================================
=====
Question 1
Based on classification of claims (early or non-early), pick the odd one
out?

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Manish Suryawanshi
A Ramya dies after 6 months of buying a term insurance plan
B Manoj dies after one and half years of buying a term insurance plan
C David dies after two and half years of buying a term insurance plan
D Pravin dies after five and half years of buying a term insurance plan
Question 2
Which of the following is an example of moral hazard?
A Stunt artist dies while performing a stunt
B A person drinking copious amounts of alcohol because he is inured
C Insured defaulting on premium payments
D Proposer lying on policy document
Question 3
_____________ is not a tangible good.

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Manish Suryawanshi
A House
B Insurance
C Mobile Phone
D A pair of jeans
Question 4
MR. Shelly wants to purchase a new house. This is which category of
goal?
A Short Term Gaol
B Log term Goal
C Medium Term Goal
D Option 2& 3
Question 5
Under what circumstances would the policyholder need to appoint an
appointee?

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Manish Suryawanshi
A Insured is minor
B Nominee is a minor
C Policyholder is not of sound mind
D Policyholder is not married
Question 6
Mr. Rohit has already opted for Deferred Annuity however he wants to
know how much amount can he withdraw as lumpsum before the start
of annuity phase
A Accumulated Value
B Fund Value
C 1/3rd of Fund Value
D He can withdraw the entire amount if need be
Question 7
Health insurance is designed to handle which of the following risks?

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A Mortality
B Morbidity
C Infinity
D Serendipity
Question 8
Which among the following is a wealth accumulation product?
A Bank Loans
B Shares
C Term Insurance Policy
D Savings Bank Account
Question 9
With regards to valuation of assets by insurance companies,
________________ is the value at which the life insurer has purchased
or acquired its assets.

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Manish Suryawanshi
A Discounted future value
B Discounted present value
C Market value
D Book value
Question 10
The sum assured under keyman insurance policy is generally linked to
which of the following?
A Keyman income
B Business profitability
C Business history
D Inflation index
Question 11
Origins of modern insurance business can be traced to
_______________
A Bottamry

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Manish Suryawanshi
B Lloyds
C Rhodes
D Malhotra Committee
Question 12
In progressive risk profile Investment style is ________________
A Accumulation
C Estate Planning
D Consolidation
Question 13
Which insurance is used for business protection purpose
A Children education plan
B Key man Insurance policy

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Manish Suryawanshi
C Re-insuance
D Term insurance
Question 14
Ajay singh is saving in an insurance policy since the past 4 years. Ever
since he has purchased the policy for every query he has to visit the
branch, hence whenever he visits the branch he is irritated... What
according to you is missing in the client
Advisor relationshipA Mr Singh"s Advisor is never present when he
needs him for a policy query
B The Advisor has given incomplete information to the customer
C Active listening from the Advisor is missing
D None of the above
Question 15
In the keyman insurance the premium paid by the company is treated
as ______________

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Manish Suryawanshi
A Profit of the business
B Business Expense
C Loan of the company
D Sum Assured of the business
Question 16
Shankar bought a 10 year Unit Linked Insurance Plan. If he dies before
the maturity of the policy which of the below will be paid?
A Lower of sum assured or fund value
B Higher of sum assured or fund value
C Premiums paid will be returned with 2% higher interest rate as
compared to a bank's savings deposit
D Surrender value
Question 17

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Manish Suryawanshi
What does the term "premium" denote in relation to an insurance
policy?
A Profit earned by the insurer
B Price paid by an insured for purchasing the pclic
C Margins of an insurer on a policy
D Expenses incurred by an insurer on a policy
Question 17
What does the term "premium" denote in relation to an insurance
policy?
A Profit earned by the insurer
B Price paid by an insured for purchasing the pclic
C Margins of an insurer on a policy
D Expenses incurred by an insurer on a policy
Question 19

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Manish Suryawanshi
Hurt not other with that which pains yourself is golden rule of which
religion
A Jainsim
B Buddhisim
C Islam
D Christianity
Question 20
______________ Refers to protection against an event that will happen
A Insurance
B Assurance
C Micro Insurance
D Bancassurance
Question 21

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Manish Suryawanshi
Which of the below statement is correct?
A If agent loses the licence, then no duplicate licence is issued. The
agent has to wait till the time of renewal, when another copy is issued
B If agent loses the licence, then the Authority may issue a duplicate
licence free of cost.
C If agent loses the licence, then the Authority may issue a duplicate
licence only after a RR is lodged and a waiting period of 30 days.
D If the agent loses the licence, then the Authority may issue a
duplicate licence on payment of a fee of rupees fifty.
Question 22
Which of the below is not correct with regards to insurable interest?
A Father taking out insurance policy on his son
B Spouses taking out insurance on one another
C Friends taking out insurance on one another
D Employer taking out insurance on employees

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Manish Suryawanshi
Question 23
Optimal method of converting principal (which we may call the corpus
)into annuity payments for meeting income needs post retirement is
known as _______________
A Distribution
B Accumulation
C Conversation
D Estate
Question 24
What is the waiting period for hospitalisation in an regular health
insurances policy?
A 12 hrs
B 6 months
C 30 days
D 24 hrs

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Question 25
Anthony has taken a new car and immediately gets his car insured too.
He is paying a premium of Rs.4000 premium for car insurance.
Unfortunately his car meets with an accident and most of the parts are
broken.So that Anthony receives the insurance when should the
insurable interest exist
A At time of Purchasing New Car
B AT time of Paying Premium
C At the time of claim
D None of the above
Question 26
Which of the below insurance proposal is not likely to qualify under
non-medical underwriting? I. avita, aged 26 years, working in an IT
company as a software engineer
A Savita, aged 26 years, working in an IT company as a software
engineer
B Mahesh, aged 50 years, working in a coal mine

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Manish Suryawanshi
C Satish, aged 28 years, working in a bank and has applied for an
insurance cover of Rs. I crore
D Pravin, aged 30 years: working in a departmental store and has
applied for an
Question 27
____________ has gained much momentum as a preferred marketing
channel for some of the private life insurance co in India
A Bancassurance
B Internet
C Mail Marketing
D Through Brokers
Question 28
Nit is 35 yrs. old. Working for a mutinational company having annual
income of 5 lakh,he can opt for Sum assured in the range of
A 25 to 30 lakh
B 50 to 60 lakh

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Manish Suryawanshi
C 70 to 80 lakh
D More than 80 lakh
Question 29
The awards by the Ombudsman are governed by the following rules
A Award should not be more than RS 20 lakhs
B Award should be made within a period of 3 months from the date of
receipt of the complaint
C Insurer shall comply with the award and send a written intimation to
the ombudsman within 15 days of the receipt of acceptance
D All of the above
Question 30
Find out the proximate cause for death in the following scenario? Ajay
falls off a horse and breaks his back. He lies there in a pool of water and
contracts pneumonia. He is admitted to the hospital and dies because
of pneumonia.
A Pneumonia

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Manish Suryawanshi
B Broken back
C Falling off a horse
D Surgery
Question 31
With relation to annuities, explain what does "Liquidation period" refer
to?
A Period between the purchase of annuity and commencement of
payments
B Period during which insurer makes annuity payments
C Time taken to build up the corpus
D Insolvency period
Question 32
The most common form of the bonus is
B Compound bonus

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Manish Suryawanshi
D Terminal bonus
Question 33
An immensely valuable asset possesed by an human being which is also
the source of his productive earning capacity is called ____________
A Human Income
B Human Life Value
C Human Capital
D Human Asset
Question 34
and reduce the risk
A Time Horizon
B Marketability
C Risk Tolerance
D Diversification

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Question 35
Health Insurance policies can be obtained by _______________
A Group
B Individual
C Family
D All of the above
Question 36
Which among the following cannot be termed as an asset?
A Car
B Human Life
C Air
D House
Question 37

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Manish Suryawanshi
Which act was passed to imporove the protection of consumer
interests
A Consumer protection act 1986
B 1993 the Malhotra committee
C GIBNA 1872
D None of the above
Question 38
Which among the following would you recommend in order to seek
Protection against unforeseen events?
A Insurance
B Transactional products like bank FD's
C Shares
D Debentures
Question 39

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Manish Suryawanshi
What is the relation between investment horizon and returns?
A Both are not related at all
B Greater the investment horizon the larger the returns
C Greater the investment horizon the smaller the returns
D Greater the investment horizon more tax on the returns
Question 40
Policies which do not participate in the profits are called as
_______________
A Dividend Plans
B Non-Participating Plans
C Non-Dividend Plans
D Non-Investment Plans
Question 41

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Manish Suryawanshi
Which among the following can be categorised under transactional
products?
A Bank deposits
B Life insurance
C Shares
D Bonds
Question 42
A person is pre- assumed to be dead if not been heard from the last
__________ yrs
A 7 yrs
B 5 yrs
C 2 yrs
D 10 yrs
Question 43

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Manish Suryawanshi
Question 44
Some common terms in health insurance are
A Inpatient
B Outpatient
C Day care centre
D All the above
Question 45

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Manish Suryawanshi
A Maximum tax benefit
C Tax evasion
Question 46
An endowment assurance is an combination of _______________ +
___________
A Health Plan + Term Assurance Plan
B Term assurance plan + Pure endowment plan
C Pure endowment + Pension plan
D Term assurance + Pension plan
Question 47

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Manish Suryawanshi
Miss Julie is an employee of the network 5 and works as a customers
ervice executive there. Currently she is not associated with any
business risk/ loss, can company take a keyman insurance for Miss Julie
A Yes the company can take key man insurance
B No they cannot take key man insurance as she is not the key member
C Some concessions can be mad e
D Her designation does not qualify for the same
Question 48
insurance?
A Cash Benefits
C No claims Bonus
D Tax Benefits
Question 49

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Manish Suryawanshi
The Cash value component in traditional products is
A Pre-planned
B Well defined
C Not well defined
D Not pre-planned
Question 50
The application document used for making the proposal is commonly
known as the ________________
A Application form
B Proposal form
C Registration form
D Subscription form
=========================================================

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