PCEIA Sample Questions (E) – Set 2

SET 2: PCEIA SAMPLE QUESTIONS

1. Which of the following is NOT a risk covered by insurance?

A. Loss of life due to a motor accident

B. Loss or damage arising from a motor vehicle accident
C. Liability to third parties arising from the sale of products
D. Financial loss due to a drop in the market price of a company’s shares

2. Life insurance contracts can be arranged to provide cover against the following forms of
risk:

I. Bank loans
II. Premature death
III. Sickness or disability
IV. Continuous stream of income during retirement (i.e. Old age)

A. I and II
B. I, II and IV
C. III and IV
D. All of the above

3. Which of the following is NOT a characteristic of an insurable risk?

A. It should not be against public policy

B. It must be accidental in nature
C. It must be a speculative risk
D. It must be a pure risk

4. Which of the following is NOT a loss prevention and loss reduction technique in life and
health insurance?

A. Training employees in first aid

B. Avoiding cigarette smoking
C. Insuring a life for an amount in line with his financial standing in life
D. Installing grills in windows of the house in which the life assured is living

5. Which of the following is NOT a pure risk?

A. Fire
B. Flood
C. Theft
D. Operating a supermarket

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PCEIA Sample Questions (E) – Set 2

6. Lack of insurable interest will

A. Render the contract void

B. Have no effect on the policy contract
C. Render the contract unenforceable to certain extent
D. Operate only when loss is caused by an insured peril

7. In life insurance, insurable interest must exist

A. At the time of loss

B. During the currency of the policy
C. At the time of effecting the insurance contract
D. At the inception of the contract and at the time of loss

8. In case of breach of utmost good faith, the aggrieved party can

A. Void the contract

B. Sue for damages
C. Waive the breach
D. Do any one of the above

9. Indemnity can be provided in the following ways:

A. Cash payment or repair only

B. Cash payment or replacement only
C. Cash payment, repair or replacement only
D. Cash payment, replacement, repair or reinstatement

10. Which of the following is NOT an intermediary?

A. A broker
B. A reinsurer
C. A life insurance agent
D. A general insurance agent

11. For a contract to be valid

A. It must have consideration

B. It should not be against public policy
C. The parties to it must have intention to create a legal relationship
D. All of the above

12. In cash-before-cover policies, for example motor policies, the insured’s consideration is

A. To pay premium as and when he feels like it

B. To pay premium one week after he is given insurance cover
C. To pay premium on the day he is given insurance cover
D. To promise to pay the premium due

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PCEIA Sample Questions (E) – Set 2

13. Which of the following statements is NOT true about void contracts?

A. Void contracts are not enforceable in a court of law

B. Void contracts are simply those which the law holds to be no contracts at all, a nullity
from the beginning
C. They are totally invalid and are nothing more than mere agreements
D. Void contracts will remain valid until the aggrieved party exercises the option to treat
them void

14. In general and life insurance contracts, the insured’s consideration is to pay or promise
to pay premium, while in the case of general insurance policies, the consideration by the
insurer is to

A. Promise to indemnify the insured when an insured loss occurs

B. Promise to pay the total sum insured irrespective of the amount of loss
C. Promise to pay the insured the sum assured and additional benefits, if any, when an
insured event occurs
D. Promise to give a refund to the insured at the end of the policy term if no loss
Takes place during the period of insurance

15. The agency relationship can be created by

A. Agreement
B. Necessity
C. Subsequent ratification
D. All of the above

16. An agent is not allowed to

I. Let his own interest conflict with his obligation to the principal
II. Take any secret profit or bribe from any party with whom he deals on behalf of the
principal
III. Disclose confidential information obtained in the course of his duties as an agent to
other parties except the principal insurance company
IV. Delegate his duties to a sub-agent without authority, expressed or implied

A. I and II only
B. II and IV only
C. III and IV only
D. All of the above

17. Which of the following does NOT come under medical and health insurance?

A. Medical expense insurance

B. Long-term insurance
C. Dread diseases insurance
D. Disability income insurance

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18. Conventionally, medical and health insurance products are normally sold as

A. Individual or group policies

B. Term or multiple policies
C. Cashless or group policies
D. Multiple or direct mail policies

19. A major medical expenses policy generally pays amounts

A. For expenses from first dollar

B. For daily hospital cash benefit
C. For co-sharing
D. Above a pre-agreed deductible

20. The two most common expense participation methods found in major medical expenses
insurance policies are:

A. Deductibles and co-insurance

B. Co-insurance and co-payment
C. Co-payment and deductibles
D. Cashless and reimbursement

21. Anti-selection refers to a situation where

A. More standard risks are accepted for insurance resulting in a less favorable
underwriting result
B. More sub-standard risks are accepted for insurance resulting in a less favorable
underwriting result
C. More standard risks are accepted for insurance resulting in a more favorable
underwriting result
D. More sub-standard risks are accepted for insurance resulting in a more favorable
underwriting result

22. What are the common factors that medical and health insurance underwriters usually
look into while performing risk selection?

I. Medical factors
II. Financial factors
III. Age and sex factors
IV. Occupational factors

A. I and II
B. I and III
C. I, III and IV
D. All of the above

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23. Mortality and morbidity rates generally increase with

A. The age of the population

B. The increase in income of the population
C. The length of period required to recuperate from any injury
D. Economic downturn

24. Which of the following is an important consideration when underwriting disability income
coverage?

A. Friends
B. Age
C. Sex
D. Financial status

25. Underwriting is referred to as the process of

A. The quoting of premium rates and terms, and issuance of the policy
B. The assessment and selection of risks, and the determination of premium, terms and
conditions
C. The determination of premium rates only
D. The assessment of the possibility of recurrence of an illness

26. __________ is a document drafted by the insurer in the form of questionnaires for each
class of insurance to assist the insurer in gathering information required to assess a risk
being proposed.

A. A medical questionnaire form

B. A proposal form
C. An underwriting sheet
D. A health declaration form

27. ___________ is a document drafted by insurers to gather information relevant to assess

a medical and health insurance claim.

A. The request for change form

B. The agent’s confidential report
C. The claim form
D. The reinstatement form

28. The following conditions have to be met before a medical and health claim can be paid,
EXCEPT

A. Policy lapse
B. No outstanding premium
C. The loss was caused by the insured peril
D. Notification of loss was given without undue delay

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29. For life insurance, insurable interest needs to exist only

A. At the time of claim

B. At the time of surrender
C. At the time of inception of the insurance
D. At the time of changing the beneficiary

30. A life insurance contract is a contract of

A. Premature death
B. Financial guarantees
C. Permanent disability
D. Uberrima fides (utmost good faith)

31. The basic assumptions that are used in the life insurance premium rate calculations are

A. Rate of mortality, rate of interest, rate of expenses and rate of taxation

B. Rate of mortality, rate of lapsation, rate of interest and rate of taxation
C. Rate of mortality, rate of surrender, rate of lapsation and rate of taxation
D. Rate of mortality, rate of paid-up, rate of surrender and rate of taxation

32. An option that allows the insured of a term assurance to convert the policy into
permanent assurance like whole life or endowment assurance without evidence of
insurability but subject only to proper adjustment in the premium charged is known as

A. Guaranteed insurability option

B. Guaranteed convertibility option
C. Guaranteed suitability option
D. Guaranteed permanent option

33. What are the features of a term assurance policy?

A. Payment of the sum assured is only in the event of death, there is no surrender or
maturity value and it provides cheap guaranteed protection
B. Payment of the sum assured is at the end of the said term if the life assured is living,
surrender or maturity value is applicable and premiums are reviewable
C. Payment of the sum assured is only in the event of death, the suicide exclusion is
uncommon and premiums are reviewable
D. Payment of the sum assured is at the end of the said term if the life assured is living,
paid-up value is applicable and premiums are not normally reviewable

34. An agreement under which the life office, in return for the payment of a certain sum of
money known as the purchase price, makes a series of payment at regular intervals
from a fixed date until the death of the annuitant or at some other specified time is
known as

A. A superannuation scheme
B. An annuity
C. A family income benefit
D. An endowment insurance
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35. Under the group insurance scheme the parties to the contract are the ______

A. Employers and the employees

B. Employees, the employer and the insurance company
C. Employer and the insurance company
D. Beneficiary, the employees, the employer and the insurance company

36. The period after the due date, which allows the policyholders of an ordinary life policy to
pay premium without any forfeiture or penalty is known as the

A. Days of privileges
B. Days of grace
C. Days of non-forfeiture
D. Days of renewal

37. A policy under which the surrender value is used as a single premium to provide for an
assurance on the original terms, but for a reduced sum assured is known as

A. An extended policy
B. A paid-up policy
C. A term policy
D. A fees policy

38. The transfer of legal rights under life insurance is called

A. A trust policy
B. A CLA section 23 policy
C. An assignment
D. A free policy

39. Surrender value is granted if a life policy has been in force for

A. Six years or more

B. Three years or more
C. Five years or more
D. Four years of more

40. Which is not a major factor that influences mortality?

A. Age
B. Sex
C. Friends
D. Avocation

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41. Financial underwriting involves

A. Determining the amount of debts a person has

B. Calculating the number of credit cards a person owns
C. Determining the existence of insurable interest
D. Determining the types of vehicles a person owns

42. Which of the following methods is not used by insurers when dealing with sub-standard
lives?

A. Charging an extra premium

B. Offering an alternative form of contract
C. Imposing exclusion
D. Providing a premium discount

43. In respect of income tax for gainfully employed individuals, which are not allowable
deductions?

A. Contributions to EPF
B. Life insurance premium
C. Dependent children’s support
D. Personal medical bills

44. Which of the following are not considered initial expenses?

A. Advertising costs
B. Medical examination expenses
C. Policy issue expenses
D. Expenses of servicing the policy

45. Net premium takes into account the elements of

A. Mortality and interest

B. Mortality and expenses
C. Expenses and interest
D. Profit and expenses

46. What type of bonus is only paid on in-force policies, which result in claims either by
maturity or death?

A. Interim bonus
B. Terminal bonus
C. Cash bonus
D. Guaranteed bonus

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47. Identify the main feature(s) of a life insurance policy which provides for a guaranteed
bonus each year.

A. The bonus is guaranteed

B. The sum assured increases automatically each year at a predetermined rate
C. The policy is strictly a non-participating policy
D. All of the above

48. Which of the following statement is incorrect?

A. The attestation clause requires the policyholder to sign in good faith

B. Blasters and parachutists are considered hazardous occupations
C. The premiums charged to policyholders vary with their ages
D. Proof of age must be submitted by the policyholder before any claim can be paid
under the life policy

49. Which of the following details appear in the proposal form?

A. With or without profits

B. Frequency and method of premium payment
C. Sum assured and additional riders/benefits
D. All of the above

50. ‘No life policy after the expiry of two years from the date on which it was effected be
called in question by an insurer on the ground that there is a misrepresentation made in
the proposal for insurance, or in a medical report or in a document which led to the issue
of the policy. The above description is recited under the

A. Operative clause
B. Suicide clause
C. Incontestability clause
D. Provisos

51. Name, age, sex, occupation and address of the life assured are contained in

A. The preamble
B. The schedule
C. The heading
D. Attestation

52. Where the policy money becomes payable in consequence of the death of the life
insured, who is the person entitled to claim?

A. The person who originally affected the policy

B. A trustee
C. A surviving co-tenant
D. All of the above

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53. Where a person has disappeared without trace for more than seven years, the Courts
may presume death in the light of inquiries made in likely places of interested people
who could be expected to have heard of him. This refers to

A. Presumption of death from circumstantial evidence

B. Statutory presumption of death
C. Unregistered death
D. False death

54. If death occurs accidentally or suddenly without known cause or prior medical attention,
what would be most useful as proof of death?

A. Medical certificate
B. Certificate of death
C. Coroner’s inquest
D. Commissioner of oaths

55. Before paying the maturity claim under an endowment insurance, the life office requires
the following basic proofs, EXCEPT

A. Proof of age of the life assured

B. Proof of death of the life assured
C. Identity of the person entitled to the policy moneys
D. Title of the payee

56. Among other factors, the premiums charged for life insurance policies usually vary in
relation to

A. The age, sex and number of children of the proposer

B. The state of health and wealth of the proposer
C. The age and sex of the proposer, type of policy required and the sum assured
D. The term of the policy, premium payment mode and the social environment

57. The following are the principles underlying the guidelines on the Code of Ethics and
Conduct, EXCEPT

A. To avoid conflict of interest

B. To avoid misuse of position
C. To prevent transmission of information
D. To ensure completeness and accuracy of relevant records

58. The law of large numbers is a basic principle of insurance. Select the statement that is
NOT TRUE of the law of large numbers.

A. The Loss exposures must be independent

B. Random occurrence of losses
C. Large financial impact of each loss
D. Large number of similar loss exposures

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59. Which of the following is not a risk covered by insurance?

A. Loss or damage arising from theft by employees

B. Financial loss due to a drop in the market price of a company’s shares
C. Damage to a factory by fire
D. Liability to third parties arising from the sale of products

60. Insurance business is broadly classified into 2 categories. These categories are
________.

A. Life insurance and General insurance

B. Life insurance and Unit linked insurance
C. General insurance and Takaful insurance
D. Life insurance, Unit linked insurance and General insurance

61. One of the following is a risk that is not covered by life insurance.

A. Premature death B. Accidental death

C. Disability D. Indemnity of loss

62. The principle of ‘Mudharabah” is a contractual agreement for ______________.

A. Paying the sum assured

B. Paying back the capital contributed by the Takaful participants
C. Paying back the capital contribution by the Takaful Company
D. Profit sharing between the Takaful Company and participants

63. Which of the following is a pure risk?

A. Fire
B. Purchasing shares
C. Purchasing unit trust
D. Gambling

64. ______________ involves losses that can be borne by the party retaining the risks.

A. Risk retention
B. Risk transfer
C. Risk avoidance
D. Loss control

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65. When we speak of a Moral Hazard, we refer to ______________.

A. The risk an insurer undertakes with regard to the character defect of a prospect
B. Whether the agent is moral in carrying out his/her duties
C. Whether the company is moral in carrying out its obligations
D. Whether the payment of policy moneys at the time of claim

66. Prior consent of the insurer is needed for the _____________ to be valid.

A. Assignment B. Personal contract with the insured

C. Proximate cause clause D. Subrogation clause

67. In life insurance contracts, the proposal for the contract is made by the ____________.

A. The person applying for the policy

B. The agent
C. The agency
D. The life insurance company

68. A voidable contract will remain valid until the aggrieved party _________________.

A. Exercises the option to ratify it

B. Exercises the option to treat it as void
C. Exercises the option for the court to decide on it
D. None of the above is true

69. Which of the following is related to Health Insurance?

A. Designed to ease financial burden caused by adverse changes in health

B. Designed to provide a better standard of living
C. Designed to protect income in the event of financial crisis
D. It is used to create a fund for child’s education

70. Which of the following are TRUE with regards to Hospitalization Cash Benefit
Insurance?

I. Sold as a standalone policy only

II. Can be sold as a rider to a Medical Insurance Policy
III. Pays a pre-agreed amount for each day the insured is hospitalised
IV. Can be sold as a rider to a Life Insurance Policy

A. All the above

B. I, II & III only
C. II & III only
D. II, III & IV only

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71. Deductible policy means:

A. Insurer pays a pre-agreed amount and balance of eligible expenses is borne by

policyholder
B. Both policyholder and insurer will have en equal share of all eligible medical
expenses
C. Policyholder is required to pay a pre-agreed amount first before the balance of
eligible medical expenses is reimbursed by insurer
D. Insurer pays only the deductible amount as stipulated in the Medical Insurance policy
for each claim

72. Which of the following is NOT TRUE?

I. Group Health Insurance is a single policy issued to cover many different members
belonging to one common entity
II. Members in a Group Health Insurance are covered based on age and physical
conditions
III. Premium for Group Health Insurance is calculated based on characteristics of the
group as whole
IV. Benefits of insured under a Group Health Insurance are stated in a master policy
issued to each and every member

A. I & III only B. II & III only

C. II & IV only D. I & IV only

73. The following are methods used to address sub-standard risks EXCEPT:

A. Exclusion Endorsement B. Change of Benefits

C. Extra Premium/Premium Loading D. Additional Insured person

74. Which of the following are contained in an insurance policy?

I. Exclusions
II. Conditions
III. Attestation
IV. Preamble & Operative Clauses

A. I, II & III only B. I, III & IV only

C. II, III & IV only D. All of the above

75. A claim is justified as valid through the following conditions:

I. Premium is paid
II. Loss caused by insured peril
III. Notice of loss is submitted
IV. Claim form is given to insured

A. All of the above B. I, II & IV only

C. I, II & III only D. II, III & IV only

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76. Insurable interest can exist in the following situations ______________.

A. An insured on his/her own life

B. A creditor on the life of a debtor
C. An employer on the life of a key employee
D. All of the above

77. When the age of the life insured is admitted and it is found that the age has been
understated (the true age is higher), the company will ______________.

A. Not pay the sum assured at all

B. Declare that there is a breach of Utmost Good Faith
C. Adjust the sum assured to the amount that will be purchased by the premium at the
true age
D. Keep the bonuses as penalty and pay the sum assured only

78. An option that allowed the insured of a term assurance to convert the policy into
permanent assurance i.e. whole life or endowment assurance without evidence of
insurability but subject only to proper adjustment in the premium charged is known
as__________.

A. Guaranteed insurability option

B. Guaranteed convertibility option
C. Guaranteed suitability option
D. Guaranteed permanent option

79. What are the features of a term assurance policy?

A. Payment of the sum assured only in the event of death, no surrender or maturity
value and provision of a cheap guaranteed protection
B. Payment of sum assured at the end of the said term if the life assured is living,
surrender or maturity value is applicable and premiums are reviewable
C. Payment of the sum assured only in the event of death, suicide exclusion is
uncommon and premiums are reviewable
D. Payment of the sum assured at the end of the said term if the life assured is living,
paid-up value is applicable and premiums are not normally reviewable

80. An annuity contract requires the payment of ______________.

A. Periodic sums to the designated life for the duration of survival

B. Periodic sums to the life insurance company for life
C. Dividends every year for the first five years
D. Cash payments every year for the first five years

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81. The investment linked policies allow for ______________.

A. Investments to be made overseas

B. About 80% of the investments in local assets and 20% overseas
C. Investments to be made in approved investments
D. All of the above

82. When dealing with a sub-standard life, the underwriter can ______________.

I. Charge an extra premium

II. Decline or postpone coverage

A. I only
B. II only
C. I and II
D. None of the above

83. An example of initial expenses is ______________.

A. First year commission

B. Policy servicing expenses
C. Litigation expenses
D. Premium collection expenses

84. The bonus is declared as a proportion of the sum assured and is payable in the same
circumstances as the original sum assured, is called ____________.

A. A simple bonus
B. Reversionary bonus
C. Simple reversionary bonus
D. None of the above is true

85. Part of the surplus in a life insurance is ______________.

A. Distributed to the agents

B. Distributed to the participating policy owners
C. Distributed to the non-participating policy owners
D. Distributed to the employees

86. The methods of distributing the surplus in a life insurance company include
______________.

A. A simple reversionary bonus

B. A cash bonus
C. A compound reversionary bonus
D. All of the above

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87. For a policy that results in a claim in between the policy valuation dates, the bonus paid
is called _______________.

A. Terminal bonus
B. Maturity bonus
C. Interim bonus
D. Special bonus cash value

88. Where a person has disappeared without trace for more than seven years the Courts
may presume death in the light of inquiries made in likely places of interested people
who could be expected to have heard of him. This refers to _____________.

A. Presumption of death from circumstantial evidence

B. Statutory presumption of death
C. Unregistered death
D. False death

89. The terminal bonus is also sometimes called the ______________.

A. Cash bonus
B. The interim bonus
C. The maturity bonus
D. The reversionary bonus

90. What is a material fact?

A. A fact which will influence an underwriter in deciding the acceptance of the risk or the
premium to be charged
B. A fact which will influence an underwriter in deciding the acceptance of the risk or the
commission to be charged
C. A fact which will influence a proposer in deciding the acceptance of the risk or the
premium to be charged
D. A fact which will influence a proposer in deciding whether to insured the risk or not

91. What are the essentials of contribution?

I. two or more policies of indemnity must be in force

II. must cover a common interest
III. must cover a common peril
IV. can only be exercised after the insured is indemnified

A. I, II, III only

B. I, II , IV only
C. II, III, IV only
D. I, II, III, IV

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92. In insurance, the offer is usually made by:

A. The insurer
B. The proposer
C. The agent
D. The insurer and the proposer

93. In what form is the claim to a basic hospitalisation and surgical insurance policy usually
paid?

A. co-sharing
B. pay from the first dollar
C. impose some form of deductible
D. pay a lump sum

94. When the policy cash value is used to settle the outstanding premium plus interest, it is
called:

A. Automatic paid-up policy

B. Automatic premium loan
C. Automatic loan conversion
D. None of the above

95. If the insured commits suicide within a stated period of time (usually a year to two years)
from the date of inception or reinstatement of the policy, what will happen to the policy?

A. The policy is valid and the insurer is liable to pay the claim, but will not return all
premiums paid
B. The policy is valid and the insurer is liable to pay the claim and return all premiums
paid
C. The policy becomes void and the insurer is not liable to pay the claim, except to
return all premiums paid
D. The policy becomes void and the insurer is not liable to pay the claim, and will not
return all premiums paid

96. The following particulars are usually mentioned in the schedule, EXCEPT

A. Date of commencement of insurance

B. Date of proposal
C. Name and address of the insurer
D. Name and address of the life assured

97. Money laundering activities may include the following, EXEPT

A. Placement
B. Processing
C. Layering
D. Integration

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98. Which of the following statements is true pertaining to the Code of Practice for Life
Insurance Agents?

A. It provides a guide to conduct business with utmost good faith and integrity
B. It provides guidelines on how to run a business on a day-to-day basis
C. It provides a guide to assist in the sale and marketing of insurance products
D. It provides a guide to the claims process

99. When selling insurance, what should the agent refrain from doing?

A. Ensure unsolicited or unarranged calls are made at a time suitable to the client
B. Inform the client outright of his intention to discuss matters relating to insurance
C. Give specialist advice on insurance and all other matters in order to impress his
client
D. Ensure that the policy proposed is suitable to the needs and resources of the
prospective policyholder

100. An insurance agent is expected to be diligent in his practice of the following EXCEPT

A. Prevent misuse of information

B. Ensure the proposal form is completed in his own handwriting
C. Ensure confidentiality in all communication and transactions
D. Ensure fair and equitable treatment of all policy owners.

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Answer

1 D 26 B 51 B 76 D
2 D 27 C 52 B 77 C
3 C 28 A 53 B 78 B
4 D 29 C 54 C 79 A
5 D 30 D 55 B 80 A
6 A 31 A 56 C 81 C
7 C 32 B 57 C 82 C
8 A 33 A 58 C 83 A
9 D 34 B 59 B 84 C
10 B 35 C 60 A 85 B
11 D 36 B 61 D 86 D
12 C 37 B 62 D 87 C
13 D 38 C 63 A 88 B
14 A 39 B 64 A 89 C
15 D 40 C 65 A 90 A
16 D 41 C 66 A 91 A
17 B 42 D 67 A 92 B
18 A 43 D 68 B 93 B
19 D 44 D 69 A 94 B
20 C 45 A 70 D 95 C
21 B 46 B 71 C 96 C
22 D 47 D 72 C 97 B
23 A 48 A 73 D 98 A
24 D 49 D 74 D 99 C
25 B 50 C 75 C 100 B

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