Go Back   2020-2021 StudyChaCha > StudyChaCha Discussion Forum > General Topics





  #1  
Old December 26th, 2013, 03:43 PM
Super Moderator
 
Join Date: Dec 2012
Default IRDA Insurance Exam Hindi paper

Can you give me question paper for the IRDA Insurance Examination Hindi??

Here is the list of few questions of
IRDA Insurance Exam paper which you are looking for .

1) Potential purchaser of product is called ________________
(a) Prospect
(b) Consumer
(c) Customer
(d) Client

(2) If policyholder is in grievance,__________________ will solve
(a) Grievance officer
(b) Court order
(c) Ombudsman
(d) All the above

(3) 20,000 policies in the 5th year are to be made from _________sector
(a) Rural
(b) Social
(c) None
(d) Urban

(4) Insurance Agent is governed by ____________________
(a) Contract act
(b) Insurance Act
(c) IRDA
(d) All above

(5) Doctors appointed by insurers will be _____________
(a) General Physicians
(b) Specialists
(c) Surgeons
(d) All of above

(6) __________is the document produced to establish one’s age
(a) Birth Certificate
(b) Affidavit
(c) License
(d) Proof of age

(7) Who is the person who identifies the customer and get the necessary insurance for him ?
(a) Intermediary
(b) Retailer
(c) Broker
(d) Agent

(8) Which kind of Insurance plan can meet all need of a proponent?
(a) Endowment
(b) Money Back
(c) Multipurpose
(d) None of them

(9) The principal is responsible for __________ agent
(a) All the acts of agent
(b) Specified acts of agent
(c) Some of acts agent
(d) None of them

(10) Which of the following statements are True:
a) It is the agent’s responsibility to ensure that all material information is made available
b) If the proposal paper is incomplete, the agent will be held accountable
(a) A Statement
(b) B Statement
(c) Both Statement
(d) Neither of Statement

(11) In the case of a policy under the provision of M.W.P. ACT who can make the death claim?
(a) Beneficiary
(b) Life insured Heirs
(c) Trustee
(d) Any of the above

(12) Which kind policies are not entitled bonuses?
(a) Non participatory
(b) Money back
(c) Children’s
(d) Whole life

(13) Claim in question is Rs.23 lakh which consumer court will it go to:__________

(14) A policy which has run for 8 years can be called into question if there is a__________________
(a) Fraud
(b) Misrepresentation
(b) Mistake
(c) None of above

(15) What would be the paid up value of a 25-year-old endowment policy for Rs.50, 000 taken in Oct 1988, if the last ½ year’s premium paid was in Oct 2000?____________

(16) Which of the following statements are True:
a) An insurance agent can be sued under the Consumer Protection Act
b) The Consumer Protection Act does not apply to Govt. Company.
a) A Statement
b) B Statement
c) Both Statements
d) Neither of Statement

(17) If the proponent has no insurable interest in the insured the underwriter will
(a) Accept with reduce sum assured
(b) Decline the proposal
(c) Accept with lien
(d) Accept with extra premium

(18) What is paid by the insurer when the policyholder decides to discontinue the policy
(a) Forfeiture
(b) Surrender Value
(c) Intermediate Claim
(d) Lapse

(19) A person employed to act on behalf of another in dealing with a third person is called _____________
(a) Lawyer
(b) Broker
(c) Employee
(d) Agent

(20) Which are true
a) Proof of age is necessary for proposal and not for agency application
b) After business is complete agent has no role
a) A Statement
b) B Statement
c) Both Statements
d) Neither of the Statement

(21) Which are true
a) Insurance is necessary to cover risk of living too long
b) Insurance helps one to be less dependent on others
a) A Statement
b) B Statement
c) Both Statements
d) Neither of the Statement

(22) Which statement is not appropriate
A) When the prospect said that he had taken sick leave for a few days because he wanted to go outstation for an interview, the agent suggested he need not mention it
B) Agent suggested to the prospect not to mention the fact that the cause of death of one of the brothers who had died young was cardiac arrest, it was mentioned as accident
a) A Statement
b) B Statement
c) Both Statements
d) Neither of the Statement

(23) Which statement is not appropriate
A) The necessity for medical examination depends on S.A.
B) The nature of employment may be a factor to dispense with medical exam
a) A Statement
b) B Statement
c) Both Statements
d) Neither of the Statement

(24) Why does an office conduct special inquiry in the case of death claim which arose after 4 years
(a) As precaution
(b) As a Routine
(c) On suspicion of suppression of facts
(d) For large sum assured

(25) Loans is available only in the policy if
(a) It is a with profit policy
(b) The S.A exceeds Rs.10,000/-
(c) It is in facts underwriter decision
(d) None of the above

(26) Which statement is true
A Lapsed policy can be revived whenever the policy holder choose
B A paid up policy is a lapsed policy
(a) Only statement A
(b) Only statement B
(c) Both false
(d) Both statement

(27) When do the non-forfeiture provision apply
a) When policy is surrendered
b) When loan is taken
c) When premium is not paid
d) All above

(28) True – False
A – DAB is automatic in all life insurance policies
B- DAB is an option on payment of additional payment

(29) True – False
A – Insurance works on the law of large numbers
B – Insurance is possible only when there are many policyholders

(30) True – False
A – A policy that has been in force for 10 years can be called into question for misrepresentation
B – A policy which has been for 10 years called into question for fraud.

(31) True – False
A – An agent must find out the details of proponent and report the same to the insurer. T
B – The income of the proponent must be made known to the insurer.

(32) Loan under policy should not exceed
(a) S.V
(b) S.A.
(c) total premium paid
(d) Bonus

(33) Disability is related to
(a) Sickness
(b) Old age
(c) Loss of limb
(d) all of them

(34) Agent is subject to
(a) IRDA regulation
(b) Term of appointment
(c) Agent’s manual
(d) All of above

(35) The agent has _______freedom to act on behalf of insurer
(a) Limited
(b) Specified
(c) full
(d) none of the above

(36) Write true or false
a) Insurance is an individual issue and not a social one. –
b) “Uberrimae Fides” means “utmost Good Faith”.
c) Whole life policy is the best solution for most of the needs of a person. –
d) There are no “participating” policies in life insurance. –
e) There is no single premium endowment plan. –
F) Loan “Value” is equal to 90% of “Surrender Value”.

(37) Calculate Premium
Date of Birth = 3.06.1954
Date of Calculation = 1.01.2001
Date of commencement of policy = 1.12.2000
Term = 19 years
Sum assured = Rs.1,00,000/-
Mode = Ordinary – monthly
Accident benefit for Rs.50, 000/- only is required.
Tabular Premiums Age 45 = 76.00
Age 46 = 76.80
Age 47 = 78.00
AGE TO BE TAKEN 46 ANS 659

(38) Calculate the premium on basis of data given below:
Age 35 years
S.A.Rs.60, 000/-
T & T 75 – 20
Tabular premium Rs.68.70 per 1000/- mode I) yearly – II) half yearly –
DAB & EPDB Allowed, Occupational Extra Rs.2 per 1000 per year

(39) Calculate paid up value and special S.V.
S.A. Rs.30, 000 /-
T and T 14 – 15
D.O.C. 18.12.1985
L.P.P. 18.3.1991
Mode Quarterly
Bonus addition: Rs.396/- per 1000/- S.A.
S.V.factor 44.2

(44) Match the following
A B
a) Proposal C) let the buyer beware
b) ad idem D) evidence of contract
c) Caveat Emptor E) Pension
d) Policy A) basis of contract
e) Annuity B) of the same mind

(45) Say True or False.
a) A person’s insurable interest in his own life is _____(Unlimited / 10 times his salary / equal to his assets / non of these)
b) How many years must elapse after cancellation of a license, before a new license can be issued (three / four / five)
c) To whom should an application for agency license be given ______________(IRDA / Insurer /Controller of Insurance / any of them)
d) Who fixes the limits of doctors for medical examinations _____________ (IRDA / Medical council / Insurer / None of these)
e) Life Insurance premiums are determined by __________ (Accountants / Underwriter / Actuary)

(46) Calculate paid up value and S.V. in the following case
S.A. Rs. 30,000/-
Mode Half yearly
D.O.C. 28/10/1985
L.P.P. 28/04/1996
S.V. Factor 45
TT 14-25
Bonus Addition Rs.770 per 1000/- S.A.

(47) The route or process through which a product is carried to the customer is known as DISTRIBUTION CHANNEL

(48) Age nearer birthday as on 18/06/2000 of a person with date of birth 28/12/1961 is ________39
(49) The days of grace for monthly mode of premium is ___________ days.15

(50) EDLI scheme is linked to the payment of ________________ (Gratuity / Provident fund / pension)

(51) State whether true or false.
1. Group Gratuity Scheme is beneficial to both the employer as well as employees.
2. Financial planning is not necessary, but agent should seek maximum premium from the customer.
3. There should be no inducement, incase or kind, passing from agent to customer for taking out life insurance.
4. Agents generally get something over and above legitimate commission amount from the insurer.
5. Insurance Advisor is an agent of the insurer and therefore insurer is bound by the acts or omissions of the advisers, there being the principal-agent relationship.
6. As long as the insurer gets the minimum business from an agent, the insurer cannot terminate the agency of such agent.
7. All the information asked in a proposals form is relevant to the assessment of the risk.
8. ONCE the policy lapses there is no way the policy holder can re-start the policy
9. “Nomination” is not compulsory.
10. “Early” claims can be investigated by the insurer.

Last edited by Aakashd; February 25th, 2020 at 01:48 PM.
Reply With Quote
Other Discussions related to this topic
Thread
IC-33 Life Insurance New Syllabus & Model Question Papers in Bengali for IRDA Exam
Model Question Papers Of IRDA Exam In Hindi
IRDA Exam Question Paper Life Insurance In Hindi
IRDA Life Insurance Exam Paper
IRDA Life Insurance Exam
IRDA Exam for Insurance Agent
Life Insurance IRDA Question Paper
IRDA LIC Agents Exam Paper
IRDA Life insurance license exam paper
Question paper for IRDA life insurance advisors exam
IRDA life insurance exam previous year Solved question papers
IRDA Exam Test Paper
Kuvempu University B.A. 1st year Hindi Optional Paper- i Exam paper
ic-33 life insurance new syllabus & model question papers in Bengali for IRDA Exam
Previous year IRDA life insurance exam question papers
To Join General Insurance Company Important or Not to Pass IRDA Exam
Books for IRDA IC-34 General Insurance Exam Gujarat
IRDA Online Life insurance license exam format
IRDA Insurance Institute of India Solved Paper
Question Paper for IRDA Exam






  #2  
Old December 27th, 2013, 11:19 AM
Super Moderator
 
Join Date: Jun 2013
Default Re: IRDA Insurance Exam Hindi paper

Here I am giving you question paper for the IRDA Insurance Examination Hindi within a word file attached with it so you can get it easily..

Below I am giving you some content of attachment ..


Q1. जीवन बीमा व्यवसाय में यदि कोई व्यक्ति बीमा उत्पाद के प्रीमियम दरों की गणना का काम करता है, तो वह संभव रूप से किसका सदस्य है?
1. भारतीय बीमांकिक संस्थान
2. भारतीय बीमा संस्थान
3. चार्टर्ड बीमा संस्थान
4. जोखिम प्रबंधन का बीमा संस्थान
Q2. अवधि योजना (टर्म प्लान) में यदि संकटपूर्ण रोग आरोही (क्रिटिकल इलनेस राइडर- CI) का दावा किया जाता है तो मौजूदा पॉलिसी के साथ क्या होगा?
1. संकटपूर्ण रोग आरोही (क्रिटिकल इलनेस राइडर) CI लाभ समाप्त हो जाएगा
2. मौजूदा बीमाकृत राशि से संकटपूर्ण रोग आरोही (क्रिटिकल इलनेस राइडर) CI लाभ कम हो जाएगा।
3. संकटपूर्ण रोग आरोही (क्रिटिकल इलनेस राइडर) CI लाभ जारी रहेगा
4. पॉलिसी में कोई परिवर्तन नहीं होगा।

Q3. बीमा का व्यवसाय किससे जुड़ा होता है?
1. परिसंपत्ति का भौतिक मूल्य
2. परिसंपत्तियों का आर्थिक मूल्य
3. परिसंपत्तियों का सैद्धांतिक मूल्य
4. परिसंपत्तियों का बाजार मूल्य

Q4. मिस्टर श्याम का एक 9 वर्ष का बच्चा है। किस उत्पाद को प्राथमिकता नहीं दी जाती है?
1. स्वास्थ्य प्लान (हेल्थ प्लान)
2. बाल योजना (चाइल्ड प्लान)
3. जीवन बीमा
4. सेवानिवृत्ति प्लान

Q5. बीमा का कार्य.............पर काम करता है।
1. जोखिम स्थानांतरण (रिस्क ट्रांसफर)
2. जोखिम नजर अंदाज करना
3. जोखिम निरोध
4. उपरोक्त में सभी
Q6. निम्नांकित में से कौन उस विशेष घटना को सूचित करता है, जो कोई हानि उत्पन्न कर सकती है.....
1. खतरा
3. शारीरिक खतरा
4. अनिश्चितता

Q7. जीवन बीमा किस आय समूह के लिए महत्वपूर्ण होता?
1. युवा
2. सेवानिवृत्ति पूर्व
3. सेवानिवृत्ति
4. बच्चे
Q8. कुल वार्षिक प्रीमियम रु. 32000 के लिए त्रैमासिक भारण 4 प्रतिशत किया जाता है। अतः वास्तविक प्रीमियम होगा ____।

1. 7680
2. 9320
3. 8320
4. 6600
Q9. क्षतिपूर्ति (इन्डेम्निटी) का सिद्धांत दर्शाता है..........।

1. लाभ कमाने के लिए बीमा नहीं किया जा सकता।
2. उच्च जोखिम वाले लोगों द्वारा बीमा नहीं लेना चाहिए।
3. राजनेताओं द्वारा बीमा नहीं लिया जाना चाहिए।
4. उपरोक्त में सभी।
Q10. विभिन्न प्रकार के असाइन मेंट क्या होते हैं?

1. पूर्ण समनुदेशन (फुल असाइन्मेंट) तथा आंशिक समनुदेशन (पार्शियल असाइनमेंट)
2. सशर्त और निरपेक्ष समनुदेश (कंडिशनल तथा ऐब्सॉल्यूट असाइनमेंट)
3. जीवन समनुदेश (लाइफ असाइनमेंट) तथा सामान्य समनुदेश ( जेनरल असाइनमेंट)।
4. मानक समनुदेश (स्टैंडर्ड असाइनमेंट) तथा गैर मानक समनुदेश (नॉन-स्टैंडर्ड असाइनमेंट)।
Q11. श्री संत ने 20 वर्षों के लिए एक एंडाउमेंट पॉलिसी ली। उन्होंने 10 वर्षों के लिए प्रीमियम का भुगतान किया और अब पॉलिसी कार्यरूप में है। इस समय क्या वे ऋण ले सकते हैं?

1. श्री संत को कोई ऋण नहीं मिलेगा।
2. श्री संत ऋण ले सकते हैं, जो पॉलिसी के समर्पण मूल्य का एक निश्चित प्रतिशत हो सकता है।
3. बीमा पॉलिसी में ऋण की कोई अवधारणा नहीं होती।
4. ऋण की अनुमति केवल अवधि योजना (टर्म प्लान ) में ही दी जाती है।
Q12. श्रीमती श्वेता अपनी पॉलिसी पर एक ऋण लिया है। बाद में वे लंबे समय तक न तो ऋण चुका सकीं न ही प्रीमियम की राशि। अब उनकी पॉलिसी का क्या होगा?

1. पॉलिसी बीमाकर्ता द्वारा जमा कर दी जाएगी।
2. पॉलिसी नामित द्वारा जमा की जाएगी।
3. पॉलिसी कंपनी द्वारा जमा की जाएगी।
4. पॉलिसी वारिस द्वारा जमा की जाएगी।
Q13. अनुबंध, बीमाकर्ता तथा प्रस्तावक के बीच तब संपन्न होता है, जब ______।

1. बीमाकर्ता द्वारा एक प्रस्ताव को स्वीकार्य किया जाता है।
2. पॉलिसी दस्तावेज पर बीमाकर्ता द्वारा मुहर लगाई जाती है।
3. पॉलिसी धारक द्वारा पॉलिसी दस्तावेज प्राप्त किया जाता है।
4. बीमाकर्ता ने दूसरा प्रस्ताव दिया है।
Q14. निर्धारित/ डीम्ड प्रीमियम का भुगतान कब किया जाना चाहिए?

1. जब बीमाकृत बीमाकर्ता के नाम चेक देता है।
2. जब बीमाकर्ता के खाते में चेक की राशि जमा की जाती है।
3. चेक जब बीमाकर्ता के कार्यालय में जमा किया जाता है।
4. चेक जब बीमाकर्ता द्वारा पोस्ट/कूरियर किया जाता है।
Q15. कौन सा मुख्य घटना या नतीजा किसी बीमा अनुबंध को एक वैध अनुबंध नहीं बनाता है?

1. परिस्थितियां विधि सम्मत हैं।
2. पॉलिसीधारकों द्वारा तथ्यों का प्रस्तुतीकरण सही है।
3. बीमाकृत व्यक्ति वयस्क है।
4. पॉलिसी से कोई बीमा योग्य रुचि नहीं जुड़ी है।
Q16. अधिकतम लाइव कवर:

1. 20 गुना वार्षिक वेतन
2. 500000
3. 1500000
4. 4000000
Attached Files Available for Download
File Type: doc IRDA Insurance Exam Hindi paper.doc (690.5 KB, 70 views)
Reply With Quote
  #3  
Old September 15th, 2020, 03:13 PM
Janindar kour
Guest
 
Default Chetia

I wanted study book for irda exam
Reply With Quote
Reply


Reply to this Question / Ask Another Question
Your Username: Click here to log in

Message:
Options



All times are GMT +6.5. The time now is 11:37 AM.


Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2020, vBulletin Solutions, Inc.
Search Engine Friendly URLs by vBSEO 3.6.0 PL2

1 2 3 4 5 6 7 8