English IC38 Mock Test - Set-6
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English IC38 Mock Test Series
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Question 1 of 50
1. Question
1 pointsWhich of the following statement is true?
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Question 2 of 50
2. Question
1 pointsOut of 400 houses, each valued at Rs. 20,000, on an average 4 houses get burnt every year resulting in a combined loss of Rs. 80,000. What should be the annual contribution of each house owner to make good this loss?
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Question 3 of 50
3. Question
1 pointsDuring communication, establishing trust with the other party is very important because…
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Question 4 of 50
4. Question
1 pointsThe ______________ has jurisdiction to entertain complaints, where value of the goods or services and the compensation claimed is up to Rs.20 lacs.
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Question 5 of 50
5. Question
1 pointsWhich of the below consumer grievance redressed agencies would handle consumer disputes amounting between Rs. 20 lakhs and Rs. 100 lakhs?
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Question 6 of 50
6. Question
1 pointsIn case of cancellation of Agency, when can an applicant apply for fresh agency?
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Question 7 of 50
7. Question
1 pointsIn case of surrender or resignation the insurer shall issue the cessation certificate in how many days from the date of surrender or resignation?
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Question 8 of 50
8. Question
1 pointsWhen is it essential for insurable interest to be present in case of life insurance?
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Question 9 of 50
9. Question
1 pointsFind 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.Correct
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Question 10 of 50
10. Question
1 pointsWhich among the following methods is a traditional method that can help determine the insurance needed by an individual?
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Question 11 of 50
11. Question
1 pointsWhich of the below is the most appropriate explanation for the fact that young people are charged lesser life insurance premium as compared to old people?
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Question 12 of 50
12. Question
1 pointsWhich among the following would you recommend in order to seek protection against unforeseen events?
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Question 13 of 50
13. Question
1 pointsWhen is the best time to start financial planning?
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Question 14 of 50
14. Question
1 pointsFor meeting marriage expenses of one’s daughters, which of the following insurance product suits the best.
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Question 15 of 50
15. Question
1 pointsFor the same sum assured which of the following policy will have the higher premium:
I. Term Assurance Plan
II. Whole life Insurance PlanCorrect
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Question 16 of 50
16. Question
1 pointsWhich among the following is a non-traditional life insurance product?
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Question 17 of 50
17. Question
1 pointsWhich of the below statement is incorrect?
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Question 18 of 50
18. Question
1 pointsWhich of the below policy can provide protection to home loan borrowers?
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Question 19 of 50
19. Question
1 pointsWhat does a policy lapse mean?
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Question 20 of 50
20. Question
1 pointsWho bears the investment risk in case of ULIP?
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Question 21 of 50
21. Question
1 pointsMoney laundering is the process of bringing _______ money into an economy by hiding its _______ origin so that it appears to be legally acquired.
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Question 22 of 50
22. Question
1 pointsIn case the policyholder is not satisfied with the policy, he / she can return the policy within the free-look period i.e. within ________of receiving the policy document.
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Question 23 of 50
23. Question
1 pointsThe Insurance Act 2015 mandates
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Question 24 of 50
24. Question
1 pointsWhat does a first premium receipt (FPR) signify? Choose the most appropriate option.
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Question 25 of 50
25. Question
1 pointsWhich of the below alteration will be permitted by an insurance company?
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Question 26 of 50
26. Question
1 pointsWhich of the following cases is likely to be declined or postponed by a life insurer?
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Question 27 of 50
27. Question
1 pointsWhich of the following is an example of moral hazard?
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Question 28 of 50
28. Question
1 pointsWhich of the below death claim will be treated as an early death claim?
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Question 29 of 50
29. Question
1 pointsGiven below are some events that will trigger survival claims. Identify which of the below statement is incorrect?
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Question 30 of 50
30. Question
1 pointsHealth insurance is designed to handle which of the following risks?
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Question 31 of 50
31. Question
1 pointsHow many staffs are recommended and appointed under PHC.
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Question 32 of 50
32. Question
1 pointsThe application document used for making the proposal is commonly known as the __________.
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Question 33 of 50
33. Question
1 pointsBasic principles for Underwriting are _________.
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Question 34 of 50
34. Question
1 pointsStandard age proofs are
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Question 35 of 50
35. Question
1 pointsWhich of the following statements about medical underwriting is incorrect?
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Question 36 of 50
36. Question
1 pointsRe-insuring the risk with other insurance companies is known as __________.
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Question 37 of 50
37. Question
1 points1. Group health insurance provides coverage only to employee groups
2. In a group health insurance any of the individual constituting the group could anti select against the insurerCorrect
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Question 38 of 50
38. Question
1 pointsUnder which of the following condition, is domiciliary hospitalization is covered in a health insurance policy?
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Question 39 of 50
39. Question
1 pointsThe example for group health insurance schemes sponsored by government is ?
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Question 40 of 50
40. Question
1 pointsState which statement is correct in case of Overseas travel insurance
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Question 41 of 50
41. Question
1 pointsstate which statement is wrong ?
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Question 42 of 50
42. Question
1 pointsGroup insurance is underwritten mainly on the _____?
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Question 43 of 50
43. Question
1 pointsWhich of the below statement is correct with regard to cashless service provided in health insurance?
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Question 44 of 50
44. Question
1 pointsThe term Money Laundering would mean –
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Question 45 of 50
45. Question
1 pointsProspectus is a document which is ……
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Question 46 of 50
46. Question
1 pointsUnder the loan cum revival which of the following is correct?
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Question 47 of 50
47. Question
1 pointsThe grace period for renewal beyond expiry date of a health insurance policy is
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Question 48 of 50
48. Question
1 pointsConsent is not said to be free when it is caused by
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Question 49 of 50
49. Question
1 pointsMaterial facts are those that would help the insurer to decide
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Question 50 of 50
50. Question
1 pointsConsidering insuring an oil refinery is example of ?
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