Alu Student-created Practice Test

58 Questions | Total Attempts: 3776

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Practice Test Quizzes & Trivia

ALU 101 practice test - to be used as a self-assessment. Please note that this is in no way affiliated or endorsed by the Academy of Life Underwriting nor its Education Committee. This practice test is just that - for practice - and was created by a non-underwriter. The questions used were gathered randomly using the materials given and does not, to my knowledge, contain any questions actually used in the formal test. Questions are representative of the types of questions / format and chances are you will not see them in the actual exam. This should not be used as a study guide but more to just assess yourself on how well you know the material after you've studied.


Questions and Answers
  • 1. 
    All of the following are required statutory policy provisions in a life insurance contract EXCEPT the:
    • A. 

      Entire contract provision

    • B. 

      Grace period provision

    • C. 

      Ownership provision

    • D. 

      Reinstatement provision

  • 2. 
    Corporate-owned life insurance (COLI) emphasizes:
    • A. 

      Investment in CDs

    • B. 

      Strict underwriting criteria

    • C. 

      Low interest rates

    • D. 

      Rapid cash value accumulation

  • 3. 
    The Canadian air transportation system is operated and regulated by Transport Canada and the:
    • A. 

      International Civil Aviation Organization (ICAO)

    • B. 

      Transportation Safety Board (TSB)

    • C. 

      Federal Aviation Administration (FAA)

    • D. 

      International Aircraft Owners and Pilots Association (IAOPA)

  • 4. 
    Jaundice is caused by an excessive accumulation of:
    • A. 

      Bilirubin

    • B. 

      Platelets

    • C. 

      GlobulinP

    • D. 

      Erythrocytes

  • 5. 
    The percentage of blood in a ventricle pumped during systole is:
    • A. 

      Cardiac output

    • B. 

      Ejection fraction

    • C. 

      Stroke volume

    • D. 

      Venous return

  • 6. 
    The condition caused when gastric secretions back up into the esophagus is:
    • A. 

      Diverticulitis

    • B. 

      Gastric ulcer

    • C. 

      Gastroesophageal reflux

    • D. 

      Peristalsis

  • 7. 
    All of the following statements regarding the use of life insurance for charitable gifting are correct EXCEPT:
    • A. 

      The charity must be legitimate

    • B. 

      The relationship between the insured and the charity must be established

    • C. 

      A multiple of annual income is used to determine face amount

    • D. 

      Substandard risks should be underwritten conservatively

  • 8. 
    The following are tools used in diagnosing build EXCEPT:
    • A. 

      Blood pressure

    • B. 

      Waist to hip ratio

    • C. 

      BMI

    • D. 

      Waist ciircumference

  • 9. 
    The following lists complications related to obesity EXCEPT for:
    • A. 

      Sleep apena

    • B. 

      Diabetes

    • C. 

      Congestive heart failure

    • D. 

      Osteoporosis

  • 10. 
    • A. 

      Answers 3,4 and 5

    • B. 

      Answers 1, 3, 4 and 5

    • C. 

      Answers 2, 3 and 5

    • D. 

      Answers 1, 2 and 3

    • E. 

      All answers 1 through 5

  • 11. 
    Insulin is produced in the beta cells of the:
    • A. 

      Kidneys

    • B. 

      Small intestine

    • C. 

      Large intestines

    • D. 

      Pancreas

  • 12. 
    Insulin dependent diabetes (IDDM) is also known as:
    • A. 

      Adult Onset diabetes

    • B. 

      Type 1

    • C. 

      Type 2

    • D. 

      Gestational diabetes

  • 13. 
    Items listed below are complications that can result from diabetes, EXCEPT:
    • A. 

      Hypoglycemia

    • B. 

      Ketoacidosis

    • C. 

      Retinopathy

    • D. 

      Hypothyroidism

  • 14. 
    All of the following are white blood cells EXCEPT:
    • A. 

      Neutrophils

    • B. 

      Eosinophils

    • C. 

      Reticulocytes

    • D. 

      Monocytes

  • 15. 
    All of the following are parts of the upper respiratory tract EXCEPT the:
    • A. 

      Nasal cavities

    • B. 

      Lungs

    • C. 

      Larynx

    • D. 

      Pharynx

  • 16. 
    Which of the following statements regarding diabetic retinopathy is/are correct?1. It is a leading cause of blindness2. It is a condition affecting large arteries3. It is an early indicator of vascular disease.
    • A. 

      3 only is correct

    • B. 

      1 and 2 only are correct

    • C. 

      1 and 3 only are correct

    • D. 

      All are correct

  • 17. 
    Characteristic features of term life insurance include which of the following?1. renewability2. interest sensitivity3. convertibility
    • A. 

      1 and 2 only are correct

    • B. 

      1 and 3 only are correct

    • C. 

      2 and 3 only are correct

    • D. 

      All are correct

  • 18. 
    Organizations that routinely access MIB information include which of the following?1. member companies2. governmental agencies3. consumer reporting agencies
    • A. 

      Only 1 is correct

    • B. 

      1 and 2 only are correct

    • C. 

      2 and 3 only are correct

    • D. 

      All are correct

  • 19. 
    Which of the following is/are classified as mountain climbing?1. trail hiking2. bouldering3. mountaineering
    • A. 

      Only 2 is correct

    • B. 

      1 and 3 only are correct

    • C. 

      2 and 3 only are correct

    • D. 

      All are correct

  • 20. 
    Which of the following statements regarding nephritis are correct?1. It is an inflammation of the urinary bladder2. It is a common complication of cystitis3. It can progress to renal failure
    • A. 

      1 and 2 only are correct

    • B. 

      1 and 3 only are correct

    • C. 

      2 and 3 only are correct

    • D. 

      All are correct

  • 21. 
    The most important factor affecting mortality rates for auto racing is:
    • A. 

      Driver experience

    • B. 

      Vehicle speed

    • C. 

      Fuel type

    • D. 

      Track conditions

  • 22. 
    In regard to Scuba diving, the following factors are considered when assessing risk EXCEPT:
    • A. 

      Certifications

    • B. 

      Health of client

    • C. 

      Diving equipment used

    • D. 

      Depth

  • 23. 
    In regard to Auto Racing, the following factors are considered when assessing risk EXCEPT FOR:
    • A. 

      Fuel type

    • B. 

      Driver

    • C. 

      Track

    • D. 

      Tire tread

  • 24. 
    All of the following are considered mountain climbing EXCEPT FOR:
    • A. 

      Bouldering

    • B. 

      Buildering

    • C. 

      Ice climbing

    • D. 

      Climbing Wall

  • 25. 
    When considering foreign travel or residence, the following items are considered in underwriting EXCEPT:
    • A. 

      Murder rates

    • B. 

      Fatal disease rates

    • C. 

      Annual tourist count

    • D. 

      Life expectancy

  • 26. 
    In regards to International Risk, travel to a foreign nation extending 6 months or more is considered to be:
    • A. 

      Foreign residence

    • B. 

      Intermediate Risk

    • C. 

      Landed Immigrant

    • D. 

      Foreign National

  • 27. 
    Misrepresentation on an application is considered material when the:
    • A. 

      Agent knew the information was false

    • B. 

      Underwriting action would have been different if the truth was known

    • C. 

      Applicant knew the information was false

    • D. 

      Facts are discovered during the contestable period

  • 28. 
    A fixed defect on a radionoclide imaging test indicates:
    • A. 

      Left ventricular hypertrophy

    • B. 

      Myocardial ischemia

    • C. 

      A decreased ejection fraction

    • D. 

      A prior myocardial infarction

  • 29. 
    Lack of oxygen in the tissues causes:
    • A. 

      Dyspnea

    • B. 

      Pneumonia

    • C. 

      Pneumothorax

    • D. 

      Cyanosis

  • 30. 
    The brain is part of the:
    • A. 

      Autonomic nervous system

    • B. 

      Central nervous system

    • C. 

      Sympathetic nervous system

    • D. 

      Peripheral nervous system

  • 31. 
    Ketoacidosis is a complication associated with:
    • A. 

      Coronary artery disease

    • B. 

      Hepatitis

    • C. 

      Diabetes

    • D. 

      Peptic ulcer

  • 32. 
    Organs that secrete a substance are:
    • A. 

      Tissues

    • B. 

      Ducts

    • C. 

      Glands

    • D. 

      Tubules

  • 33. 
    The vitamin formed in the skin by sunlight is:
    • A. 

      Vitamin A

    • B. 

      Vitamin C

    • C. 

      Vitamin D

    • D. 

      Vitamin E

  • 34. 
    Which of the following sensations is detected by encapsulated nerve endings:
    • A. 

      Pressue

    • B. 

      Pain

    • C. 

      Heat

    • D. 

      Cold

  • 35. 
    Which of the following statements regarding diabetic retinopathy is/are correct?1. It is a leading cause of blindness2. It is a condition affecting large arteries3. It is an early indicator of vascular disease.
    • A. 

      Only 3 is correct

    • B. 

      1 and 2 only are correct

    • C. 

      1 and 3 only are correct

    • D. 

      All are correct

  • 36. 
    Which of the following difficulties can occur when obtaining medical records from other countries?1. lack of accuracy in translation2. time delays3. incomplete records
    • A. 

      1 and 2 only are correct

    • B. 

      1 and 3 only are correct

    • C. 

      2 and 3 only are correct

    • D. 

      All are correct

  • 37. 
    Potential adverse effects of weight loss medications include which of the following:1. decreased absorption of nutrients2. increased blood pressure3. decreased heart rate
    • A. 

      Only 2 is correct

    • B. 

      Only 3 is correct

    • C. 

      1 and 2 only are correct

    • D. 

      2 and 3 only are correct

  • 38. 
    All of the following are exempt from replacement regulations in most states EXCEPT:
    • A. 

      Credit life insurance

    • B. 

      Internal company replacements

    • C. 

      Policies used in pension plans

    • D. 

      Group insurance

  • 39. 
    Treatments for coronary artery disease include all of the following EXCEPT:
    • A. 

      Angioplasty

    • B. 

      Bypass surgery

    • C. 

      Medical therapy

    • D. 

      Pneumonectomy

  • 40. 
    All of the following statements regarding benign tumors are correct EXCEPT:
    • A. 

      They usually grow slowly

    • B. 

      They rarely metastasize

    • C. 

      They have no mortality risk

    • D. 

      Their cells show little or no mitotic activity

  • 41. 
    All of the following statements regarding underwriting build are correct EXCEPT:
    • A. 

      Body mass index (BMI) is a precise indication of body fat percentage

    • B. 

      A waist-hip ratio of 1.0 or greater indicates increased risk

    • C. 

      Height and weight recorded on an insurance exam may vary from the actual build

    • D. 

      The weight reported by a proposed insured may be underestimated

  • 42. 
    All of the following statements regarding type 2 diabetes mellitus are correct EXCEPT:
    • A. 

      The body's cells are resistant to insulin

    • B. 

      Onset is usually sudden

    • C. 

      Many individuals are unaware they have the condition

    • D. 

      Symptoms may include increased urination

  • 43. 
    All of the following are classes of drugs used to control angina EXCEPT:
    • A. 

      Nitrates

    • B. 

      Beta-blockers

    • C. 

      Statins

    • D. 

      Calcium-channel blockers

  • 44. 
    All of the following must be received prior to reporting information to the MIB EXCEPT:
    • A. 

      Application for insurance

    • B. 

      Attending physician's statement

    • C. 

      Signed and dated authorization

    • D. 

      The MIB pre-notice

  • 45. 
    All of the following are admissible immigrant classes in Canada EXCEPT:
    • A. 

      Family Class

    • B. 

      Convention Refugees

    • C. 

      Economic Class

    • D. 

      Treaty Investors

  • 46. 
    Abnormal growth horomone levels may cause all of the following EXCEPT:
    • A. 

      Dwarfism

    • B. 

      Myxedema

    • C. 

      Acromegaly

    • D. 

      Giantism

  • 47. 
    All of the following are sections of the aorta EXCEPT:
    • A. 

      Ascending

    • B. 

      Vertebral

    • C. 

      Thoracic

    • D. 

      Abdominal

  • 48. 
    All of the following statements regarding a cerebrovascular accident (CVA) are correct EXCEPT:
    • A. 

      thrombus is usually a consequence of atherosclerosis

    • B. 

      The extent of recovery depends on the location of the CVA

    • C. 

      Onset of symptoms in a hemorrhagic stroke is usually rapid

    • D. 

      The majority are caused by hemorrhage

  • 49. 
    All of the following statements regarding the cardiac cycle are correct EXCEPT:
    • A. 

      It is the sequence of events in one heartbeat

    • B. 

      The atria contract to pump blood into the ventricles

    • C. 

      Systole is another term for relaxation

    • D. 

      The normal cardiac cycle produces two sounds

  • 50. 
    All of the following statements regarding arteries are correct EXCEPT:
    • A. 

      Smaller arteries are arterioles

    • B. 

      Artery walls have three layers

    • C. 

      Their constriction is regulared by the autonomic nervous system

    • D. 

      They have valves to prevent the backflow of blood

  • 51. 
    The formation of urine involves all of the following processes EXCEPT:
    • A. 

      Tubular reabsorption

    • B. 

      Glomerular filtration

    • C. 

      Tubular secretion

    • D. 

      Vitamin D activation

  • 52. 
    Which of the following statements regarding dried blood spot (DBS) testing is/are correct?1. It is a preferred testing method for samples collected internationally2. It may be collected by insurance sales agents3. It may be used to test hemoglobin A1c levels
    • A. 

      Only 1 is correct

    • B. 

      Only 3 is correct

    • C. 

      1 and 3 only are correct

    • D. 

      All are correct

  • 53. 
    Medications can cause which of the following adverse responses?1. physical dependence2. carcinogenic effect3. birth defects
    • A. 

      Only 1 is correct

    • B. 

      Only 2 is correct

    • C. 

      1 and 3 only are correct

    • D. 

      All are correct

  • 54. 
    Which of the following statements regarding valuation methods used for business life insurance is/are correct?1. Key person insurance often uses a multiple of earnings method2. The business loss method is used for creditor insurance3. A buy-sell agreement should reveal the valuation formula used for the business
    • A. 

      Only 2 is correct

    • B. 

      1 and 3 only are correct

    • C. 

      2 and 3 only are correct

    • D. 

      All are correct

  • 55. 
    Which of the following statements regarding cancer chemotherapy are correct?1. It can cause new tumors2. It is the primary therapy for metastic cancer3. It is very effective on slow-growing tumors
    • A. 

      1 and 2 only are correct

    • B. 

      1 and 3 only are correct

    • C. 

      2 and 3 only are correct

    • D. 

      All are correct

  • 56. 
    Which of the following disorders may disqualify a pilot from receiving a medical certificate?1. bipolar disorder2. substance abuse3. angina
    • A. 

      Only 3 is correct

    • B. 

      1 and 2 only are correct

    • C. 

      2 and 3 only are correct

    • D. 

      All are correct

  • 57. 
    Autoimmune diseases include which of the following?1. osteoporosis2. osteoarthritis3. rheumatoid arthritis
    • A. 

      Only 2 is correct

    • B. 

      Only 3 is correct

    • C. 

      1 and 2 only are correct

    • D. 

      1 and 3 only are correct

  • 58. 
    Which of the following statements regarding connective tissue membranes is/are correct?1. the perichondrium covers each bone2. the deep fascia covers each skeletal muscle3. the meninges cover the brain and spinal cord
    • A. 

      1 and 2 only are correct

    • B. 

      1 and 3 only are correct

    • C. 

      2 and 3 only are correct

    • D. 

      All are correct