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Old October 29th, 2015, 10:53 AM
shabnams
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I want to appear in Examination for Insurance Surveyors- Fire Insurance exam. So I need a sample paper. So here can you provide me a sample paper of this exam?

I have a sample paper of this exam. So here I am providing you as you want.
1. The process of determining if the claim can be paid is called ————
a) admission b) acceptance c) consideration d) decision
IRDA Agent Licensing Question paper
1. The process of determining if the claim can be paid is called ————
a) admission b) acceptance c) consideration d) decision
2. What criteria are relevant to compare different savings plan?
a) Safety b) Liquidity c) Yield d) All of the above
3. The limits of doctors for medical examination are decided by ————-
a) Insurer b) Medical Council c) Government d) IRDA
4. The questions in the proposal form and personal statement are material and relevant
a) without exception b) mostly c) only partly d) rarely
5. Which of the following statements are “TRUE” ?
Statement A : A paid up policy can be revived.
Statement B : The insurer may refuse to issue a new policy if an earlier one is paid up.
a) Only statement A b) Only statement B c) Both statements d) Neither of the statement
6. To whom should license be paid ?
a) Controller of Insurance b) The insurer c) The IRDA d) Any of the above
7. A proposal is dated 10.11.2000. The premium was paid on the same day. The decision to accept with extra was made on 15.11.2000. The extra premium was paid on 17.11.2000. The letter of consent was received in the office on 21.11.2000. When does the risk on this policy commence ?
a) 10.11.2000 b) 17.11.2000 c) 20.11.2000 d) 15.11.2000
8. Which of the following statements are “TRUE” ?
Statement A : The principle of utmost good faith is the same as the principle of Buyers beware
Statement B : The existence of high blood pressure need not be disclosed as the doctor can find this out during the medical examination.
a) Only statement A b) Only statement B c) Both statements d) Neither of the statement
9. ————– are statements made by the prospect raising doubts about the usefulness of the insurance.
a) Objections b) Refusals c) Queries d) Disagreements
10. In what plan of insurance is medical examination never required, whatever be the amount of Sum assured?
a) Endowment b) Pure endowment c) Term assurance d) Group insurance
11. The limits of authority of an agent are laid down by the ————-
a) Insurance Act b) Contract Act c) Appointment Letter d) None of the above
12. Which of the following statements are “TRUE” ?
Statement A : The necessity for a medical examination depends only on the Sum assured.
Statement B : The nature of employment may be a factor to dispense with medical examination.
a) Only statement A b) Only statement B c) Both statements d) Neither of the statement
13. ———– describes the behaviour of an agent who is willing to accept that a particular customer
may not need life insurance
a) Defeatist b) Timid c) Professional d) Non professional
14. Section 45 of the Insurance Act is relevant for policies which are at least ——— years old.
a) Two b) Four c) Both statements d) Neither of the statements
15. Which of the following statements are “TRUE” ?
Statement A : In a group policy, each person is free to choose the amount of insurance cover.
Statement B : A person, normally uninsurable, can be covered under a group insurance policy.
a) Only statement A b) Only statement B c) Both statements d) Neither of the statement
16. Infimities are caused by ————–
a) Rs. 3 lakhs b) Rs. 10 lakhs c) Rs. 13 lakhs d) None of the above
17. If a person’s annual income is Rs. 3 lakhs and he has assets (proper and share) worth 10 lakhs he can be given a maximum insurance cover of ————-
a) Rs. 3 lakhs b) Rs. 10 lakhs c) Rs. 13 lakhs d) None of the above
18. Which of the following statements are “TRUE” ? Statement A : When a policy matures, the claim proceeds are paid to the assured.
Statement B : In insurance, the principle of buyer beware applies.
a) Only statement A b) Only statement B c) Both statements d) Neither of the statement
19. The behaviour of an agent who makes critical marks about his company is ————-
a) Clever b) Non-professional c) Professional d) Efficient
20. Bringing a policy, which has lapsed , back to force is called ————–
a) Recovery b) Revival c) Renewal d) Elapse
21. Which of the following statements are “TRUE” ?
Statement A : The proposal form should be written by the agent himself.
Statement B : The proposal form should be filled by the proponent himself, unless he is illiterate.
a) Only statement A b) Only statement B c) Both statements d) Neither of the statement
22. Disablity benefits may arise because of ————-
a) Sickness b) Old age c) Loss of limbs d) Any of the above
23. ———– is the person to whom the policy is transferred in lieu of some consideration received.
a) Nominee b) Mortgagor c) Beneficiary d) Assignee
24. Which of the following statements are “TRUE” ?
Statement A : In case of corporate agent, only the Chief Executive has to pass the prescribed examination.
Statement B : A person who is convicted of cheating can get an agency license as soon as he is released from jail.
a) Only statement A b) Only statement B c) Both statements d) Neither of the statement
25. A person’s insurable interest interest in his own life is ————-
a) Unlimited b) 10 times his salary c) Agents manual d) All of the above
26. An agent is subject to ————-
a) IRDA regulation b) Terms of appointment c) Agents manual d) All of above
27. ———– describes the behaviour of an agent who is in the presence of outsiders, covers up the mistakes made by his collegues.
a) self confident b) protective c) arrogant d) professional
28. What is paid by the insurer when the policyholder decides to discontinue the policy ?
a) Surrender value b) Intermediate claim c) Lapse d) Forfeiture
29. Which of the following skill is required to influence the other person to do something ?
a) Salesmanship b) Communication c) Analytical d) Persuasiveness
30. ———– is the professional who is the technical expert on life insurance matters.
a) Underwriter b) Accountant c) Evaluator d) Actuary
31. If the proponent has no insurable interest in the insured, the underwriter will ———–
a) accept the lien b) accept with extra premium c) decline the proposal d) accept with reduced Sum assured
32. The deduction allowed in income tax because of amounts paid towards life insurance premium Profident fund, etc is called ————–
a) Concession b) Decuction c) Reduction d) Rebate
33. Which of the following statements are “TRUE” ?
Statement A : The underwriter tries to prevent any undue advantage being taken by prospect
Statement B : The underwriter is a trustee of all policyholders
a) Only statement A b) Only statement B c) Both statements d) Neither of the statement
34. ———– describes an agent who keeps records of his activities and examines them periodically.
a) Analyst b) Professional c) Non professional d) Meticulous
35. ———– means the business wherein, persons facing the same risk are brought together to create a fund from which those suffering losses are compensated.
a) Insurance b) Mutual Fund c) Banking d) Security
36. Term assurance is not suitable when the need is to provide for ———–
a) old age b) repayment of outstanding loan c) mortgage redemption d) any of the above
37. Final or Terminal bonus is payable ————-
a) On death b) On surrender c) On maturity d) All of the above
38. Which of the following statements are “TRUE” ?
Statement A : An insurance agent may be sued under Consumer protection act
Statement B : The Consumer protection act does not apply to government companies.
a) Only statement A b) Only statement B c) Both statements d) Neither of the statement
39. What is called the reverse of ‘Life Insurance’?
a) Loan b) Surrender value c) Annuity d) None of above
40. A policy in which the payment to the annuitant begins after one year and is payable thereafter annually ]
is called ———– annuity
a) immediate b) annual c) deffered d) one-year
41. The process of recording the correct age of person insured is called ———-
a) Age admission b) Verifications c) Proof of age d) Certification
42. A policy which has run for 8 years can be called into question if there is ———–
a) Misrepresentation b) Fraud c) Mistake d) None of the above
43. What are the criteria of a good saving plan ?
a) Safety b) Liquidity c) Yield d) All of above
44. In case of policy under the provision of Married Women’s Property Act, who can make a death claim ?
a) Beneficiaries b) Life Insured HEIRS c) Trustee d) Any of the above
45. The skill required to explain in a manner that the other person understands is ———–
a) Persuasiveness b) Explanatory c) Convincing d) Communication
46. The reduction permitted in the tabular premium depending on the mode of premium or Sum assured is called ————-
a) Reduction b) Rebate c) Incentive d) Concession
47. Loans under an insurance policy are repayable ————
a) In a lumpsum b) By adjustment with claim c) In installments d) any of the above
48. Which of the following statements are TRUE
Statement A : Proof of age is necessary only for proposals for insurance, not for agency applications.
Statement B : After the business is complete, the agent has no further role.
a) Only statement A b) Only statement B c) Both statements d) Neither of the statement
49. The maturity proceeds in case of a policy financed by HUF will be paid to ———-
a) karta b) life assured c) nominee d) none of these
50. When does foreclosure action begin
a) When premium is not paid b) When policy is surrendered c) When loan and interest accumulate
d) All of the above

Associateship Examination-Fire Insurance Claims Question Paper




Last edited by Sashwat; June 29th, 2019 at 10:52 AM.
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