Tuesday, 20 August 2019

lic agent IC-38 exam set-28

LIC IC-38 Online Mock Test for LIC agency Exam preparation according to IRDA syllabus # SET-28

Online IC-38 Mock Test and training material for LIC agency

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IC-38 Online Mock Test for LIC agency Exam preparation SET-28

Question-1 :

What are the factors involved in calculating surrender value
[A]. Number of year's premium paid [B].Number of premium payable
[C].Sum assured [D]. All of above

Question-2 :

 In a fact find, a couple discovered their need to be estate planning? In what life stage will they be in?
[A]. Married [B].Married with children
[C].Married with older children [D]. Retirement

Question-3 :

Which type of questioning is very useful to gather information from clients?
[A]. Close ended question [B].Open ended question
[C].Interrogative question [D]. Clarification question

Question-4 :

What is similarity between recurring deposits and cumulati deposit in a bank
[A]. Guarantee [B].Taxation
[C].Tenure [D]. Lock in periods

Question-5 :

Higher persistency to the insurer ensures what ?
[A]. More productivity [B].Higher attrition
[C].Higher Profits [D]. Higher S.A

Question-6 :

Sh. Gayaram advisor who advised the customer to close the old policy and take new one. But new policy does not have any extra benefits but it will give more commission to Sh. Gayaram. This is called
[A]. Switching [B].Churning
[C].Redirecting [D]. Shifting

Question-7 :

What is the period of award passed to the customer decided by ombudsman?
[A]. 2months [B].3 months
[C].5 months [D]. 6 months

Question-8 :

In which kind of policy the insurable interest should exist at the time of claim only
[A]. Motor insurance [B].Marine insurance
[C].Liability insurance [D]. Travel insurance
If insured gets two advance payment in 5 yrs and in mat gets rest of sum assured what type of policy it is
[A]. Money back policy [B].Corivertible plai
[C].Term plan [D]. Endowmentpol

Question-10 :

What period of time a client has to be invested to get tax benefit under postal scheme?
[A]. 10 Years [B].8 years
[C].6 years [D]. 5 years

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