Monday, 2 September 2019

lic agent IC-38 exam set-39

LIC IC-38 Online Mock Test for LIC agency Exam preparation according to IRDA syllabus # SET-39

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-39

Question-1 :

Mr. Sumesh takes a policy and pays premium Rs. 20,000with• sum insured of Rs. 3 lac what will be the tax implication on hi: maturity amount
[A]. Fully taxable [B].0.1
[C].0.2 [D]. tax fully exempted

Question-2 :

Churning is bad , based on  which aspect
[A]. Agents earn Lower  Commission on churning [B].Policyholder gets more benefits
[C].Policyholders suffer due to surrender charges and benefits [D]. Insurance companies get good branding

Question-3 :

Suresh has adequate reserve capital with him and he wishes to protect his income, moreover he feels that if he does not die than he would need the amount what type of plan should he opt for
[A]. Term insurance plan [B].Endowment plan
[C].Return of premium plan [D]. Pension plan

Question-4 :

As an advisor why is it essential for you to carry out the financial planning exercise with the prospective client
[A]. Individuals understand their real needs and can prioritize' them [B].Individuals have same financial needs at different stages Of the life cycle
[C].Individual do not understand their real needs and cannot prioritize them [D]. Individual's real and perceived needs are same

Question-5 :

Flexibility like partial withdrawals and taking premium holidays is possible with
[A]. Fixed deposit [B].ULIP
[C].Term Insurance [D]. Endowment

Question-6 :

 Mr. Raj is married and having 2 children which plan can he that can cover his whole family
[A]. Health insurance [B].Family floater
[C].Life insurance [D]. Retirement

Question-7 :

Manmohan has recently purchased a house worth Rs. 50 lac on loan. Which insurance plan you an advisor will suggest?
[A]. Endowment plan [B].Money back plan
[C].Whole life plan [D]. Term plan

Question-8 :

 In which of the recognised life stages an indivlducl does not required any protection cover
[A]. Childhood [B].Young married
[C].Pre retirement [D]. Retirement
Mr. Kumar decides that his employees should have sss. whit type of plan is SSS
[A]. Salary saving life plan [B].Not a specific plan
[C].Salary insurance plan [D]. Salary specific plan

Question-10 :

Acouple has 7 year old son. What solution would they be looking for
[A]. Retirement [B].Health care
[C].Child education [D]. Life cover

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