IC38 -English New Syllabus IC38 Mock Test-45
IC38 English Mock Test helps you prepare for the essential IRDAI IC38 exam to become an insurance agent. It covers insurance principles, regulations, claims, ethics, and sales techniques. Understand the exam pattern, boost your confidence, and achieve success with our mock tests. Practice well and pass the exam on your first attempt!
1. When can customers evaluate and experience the insurance protection they buy?
When they purchase the policy
When they contact customer service
When they have a loss and file a claim
When they receive a premium refund
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Wrong Answer
2. When does a customer relation opportunity arise?
Only during the sale of an insurance policy
Only when a customer has a complaint
At various touch points, such as understanding insurance needs and explaining coverage
When a customer cancels their policy.
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3. Which document is used by insurance companies to provide details about the product?
Age Proof
Proposal form
Prospectus
KYC document
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4. Which of the following is not included in the standardization provided by the guidelines?
Definitions of critical illnesses
Billing formats
Exclusions allowed in policies
Claim forms and pre-authorization forms
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5. Which of the following job profiles may lead individuals to intoxicating lifestyles?
Police officer
Software engineer
Superstar entertainer
Chef
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6. Who can choose the arbitrator(s) for disputes?
The court of law
The company involved in the dispute
The parties to the dispute themselves
The arbitrator(s) choose themselves
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7. Why is human touch critical in a complaint situation?
To make the customer feel small
To make the customer more angry
To make the customer feel valued
To make the customer feel ignored
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8. How are critical illness claims ascertained?
Based on the insurer's discretion
Based on the policyholder's medical and other records
Based on the recommendation of a medical examiner
Based on the policyholder's financial status
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9. How are occupations classified in Personal Accident Policies underwriting?
Based on the insured's educational qualifications
Based on the insured's income level
Based on the insured's work experience
Based on groups that reflect similar risk exposure
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10. How does insurability of women in life insurance underwriting differ?
Women are generally considered to have lower insurability due to their longer life expectancy.
Women are granted full insurance regardless of their income or capacity to pay premiums.
Insurability of women is determined by their need for insurance and capacity to pay premiums .
Women are subjected to stricter underwriting criteria compared to men.
