Alu Student-created Practice Test

58 Questions | Total Attempts: 3796

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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. 
    Which of the following statements regarding blood pressure is/are correct?1. Blood pressure reading is calculated as "Systolic - Diastolic"2. Systolic represents the maximum pressure during contraction3. Diastolic represents the minimum pressure at the end of relaxation4. Systolic represents the minimum pressure during contraction5. BP measures the tension of the arteries
    • 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