Sunday, 9 March 2014

ONLINE IRDA QUESTION ANSWER


Sample IRDA IC-33 Exam

1. Which channel promote bank(s) to sell life insurance policies
       Ans :-  Banc-assurance

2. The Indian Insurance Act was formed in the year
      Ans :- 1928

3. Code of conduct for agents are specified by
      Ans :- IRDA Act

4. Which of the following statement is correct?
     Ans:-  Insurance can reduce the impact of risk

5. The probability that one person will die with in one year is calculated by
    Ans :-   Actuary

6. Insurance applies to _________________ pool of risk with ______________.
    Ans:- Homogenous & law of large number

7. Janvi borrows Rs 10 lacs from Geeta. She returns Rs 2lacs in the next month.Geeta now plans to take an insurance polcy on life of Janvi. Which of the statement is true?
  Ans :-   Geeta can take policy unto the extent of unpaid loan amount.

8. Mohit took a policy and declared that he drinks alcohol. He did not declare that he was operated for hernia in the last year as he was all right now and felt it was not important to declare. This is a case of
  Ans:- Non-Disclosure.

9. Rajan takes a Family Floater health insurance of Rs 3 lacs from Insurance company X and has a health cover of Rs 2lacs from another company Y from his employer side. He suffers from heart attack and has a total bill of Rs 4 lacs. He can take claim from

  Ans:-  Both the companies to the extent of Rs 4 Lacs

10. A company ABC can buy insurance for
   Ans :- All the above

11. The main supplier of the material fact is
    Ans :- The proposer

12. Rama bought an insurance policy in the year 2002 and did not disclose that she was suffering from cancer. She died in the year 2007. The insurance company needs to
  Ans :-   Need to establish the fraud.

13. IN AN INSURANCE CONTRACT, CONSIDERATION IS THE
  Ans :- PREMIUM PAID BY THE PROPOSER TO INSURANCE COMPANY

14. LIFE INSURANCE COMPANIES GENERATE INTEREST IN THEIR PRODUCTS THROUGH
   Ans :- ALL OF THE ABOVE

15. In the event of Lapsed policy being revived which of the following must exist
  Ans :-  Utmost good faith & Disclosure of material facts

16. Maximum possible loss refers to Maximum amount of loss that can occur
  Ans :-  If a certain event occurs

17. Agent prepares confidential report based on which information of Proposer
  Ans :- All of the above

18. The premium is invested until it is required to pay claims
  Ans :-  True

19. Interim bonus is for
  Ans :-  Both are correct

20. Mahesh bought a ULIP 10 year back. At Maturity the market went significantly low. What can Mahesh consider?
  Ans :-  Can opt for the settlement option.

Sunday, 2 February 2014

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