Category Archives: Past years IRDA papers for general insurance agent exam?

New English IC-33 Test – 1

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Practice Sample Paper – 1

Select one by one Answer and click on “show result” at the bottom to get Result

1 Sanjeev is an insurance expert who has rich experience in determining premium levels for product, what is his profile like





2 The Non Government organizations(NGO) helps the insurance industry immensely in





3 Investment by foreign direct investors in to Insurance co's is restricted to





4 Which market does the Micro Insurance Concentrate on ?





5 What facility do the insurer use to cover Risk beyond their Limits ?





6 What is the max level under which micro insurance can be done





7 Who is the customer of a Re insurer





8 Insurance company transfers the insurance which cannot bear by them to





9 A policy holder takes two insurance policy and the premium amount is identical and he gets lesser commission in one of contract the reason is likely to be





10 An agent reveals his commission received from insurance sales to X&Y .Both plans are of same duration . Why is commission of X far higher that that of Y





11 Customer asks the agent to disclose the commission . The agent should





12 The best way to prove that customer of a ULIP policy is given awareness about the commission paid to the agent is





13 Churning is bad , based on which aspect





14 What over riding criteria an insurance agent consider while proposing a solution





15 Sales Target is reduced . Churning will





16 Higher persistency to the insurer ensures what ?





17 Persitency =has increased from 82 % in previous year to 86 % this year . That means





18 What is the maximum Time in which The insurer should settle a claim when all documents are submitted





19 A missing person is considered to be dead after





20 The delay in settling claim by any insurance co, as per IRDA norms has to pay....% if the present bank interest rate is 5.2%





21 A claim was submitted & in how many days company should ask for additional documents if required





22 Vivek takes insurance policy and dies after 8 months . If the claim needs to be excluded basis the exclusion cause what could be the cause





23 An advisor while explaining the policy and to sell he accepts to give a part of his Agents commission, what is th limits





24 Consumer Forum at district level will hear complaints up to





25 How much is the rebate allowed by IRDA to client





26 The controller of insurance in india is





27 A insurer advertises through daily news paper . What type of marketing is





28 Investment by NRI(Non Resident Indian) will be





29 MWP- If the policy is endorsed under MWP - then the beneficiaries are wife and ?





30 Mr.Sunil is doing premium calculation for his company, as per which authority is his profession related to





31 Basic qualifications of agent





32 Which Institution was Constituted by Insurance Act 1938





33 What is the role of National Insurance Academy?





34 According to IRDA act 1999, central governments involve in insurance industry over





35 Complaint council bodies other than IRDA grievance readdress forum & COPA





36 What are the ways by which a policy holder can make complaints





37 What are the ways in which IRDA can be contacted . One is thru toll free number and other is





38 A policy holder submits cancellation of his term insurance policy , the insurer accepts the form and fails to give the benefit and the policy holder writes to IRDA post which the settlement should be within





39 What is the maximum level of complaint that can be considered and taken action by ombudsmen





40 What is the period of award passed to the customer decided by ombudsman?





41 An Award is passed by Ombudsman .In how many days it should be honored by Insurance Co





42 Karthik written to his insurer about non settlement of a maturity calim,as per regulations,the insurer has to reply to this within how many working days





43 Raju is a certified license holder under what circumstances he needs to hold his certified license with him that is issued by irda





44 A policy has been rejected by the company under direct intimation to the customer and copy to the Agent, what is the next action of the Agent





45 Lung Cancer and Smoking .





46 The type of risk that can be insured against is





47 Harish takes a life insurance policy for Ramesh. Which of the following statement best describes the principle of Insurable Interest.





48 What is the min age to enter into the contract of insurance





49 In a whole life plan - The policyholider's responsibility to give disclosure





50 Types of assignment







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Please go to New English IC-33 Test – 1 to view the quiz

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Contact for Membership

Harish Chand

Ph.- 09811896425

Mail to: irdatestonline@gmail.com