Alu Student-created Practice Test

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1. The condition caused when gastric secretions back up into the esophagus is:

Explanation

A&P Ch 16

Submit
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About This Quiz
Alu Student-created Practice Test - Quiz

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... see moreLife 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.
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2. Insulin is produced in the beta cells of the:

Explanation

Insulin is a hormone that regulates blood sugar levels in the body. It is produced in the beta cells of the pancreas. These cells are specifically designed to synthesize and release insulin into the bloodstream. Insulin plays a crucial role in the metabolism of carbohydrates, fats, and proteins. It helps to lower blood sugar levels by allowing cells to take in glucose from the bloodstream and use it for energy or store it for later use. Without insulin production in the pancreas, the body would not be able to properly regulate blood sugar levels, leading to conditions like diabetes.

Submit
3. Which of the following difficulties can occur when obtaining medical records from other countries?
1. lack of accuracy in translation
2. time delays
3. incomplete records

Explanation

ALU Ch14

Submit
4. The brain is part of the:

Explanation

A&P ch 8

Submit
5. In foreign travel risk, which factor is considered negative risk (red flags)?

Explanation

ALU Ch 14

Submit
6. Jaundice is caused by an excessive accumulation of:

Explanation

A&P Ch 11

Submit
7. The vitamin formed in the skin by sunlight is:

Explanation

A&P Ch 5

Submit
8. Treatments for coronary artery disease include all of the following EXCEPT:

Explanation

ALU ch5

Submit
9. Diabetes can be diagnosed using these tools EXCEPT FOR:

Explanation

ALU Ch 3

Submit
10. Retinopathy, neuropathy and Nephropathy are all possible complications resulting from:

Explanation

ALU ch3

Submit
11. Cancer treatment can include all of the following EXCEPT for:

Explanation

ALU Ch 4

Submit
12. The following are tools used in diagnosing build EXCEPT:

Explanation

ALU ch 2

Submit
13. Ketoacidosis is a complication associated with:

Explanation

A&P Ch 10

Submit
14. Within the beta cells of the pancreas, _____________ is produced.

Explanation

ALU Ch 3

Submit
15. The following lists complications related to obesity EXCEPT for:

Explanation

Osteoarthritis...not Osteoporosis
ALU Ch2

Submit
16. Insulin dependent diabetes (IDDM) is also known as:

Explanation

Insulin dependent diabetes (IDDM) is also known as Type 1 diabetes. This type of diabetes occurs when the body's immune system mistakenly attacks and destroys the insulin-producing cells in the pancreas. As a result, the body is unable to produce insulin, which is necessary for regulating blood sugar levels. People with Type 1 diabetes require daily insulin injections or the use of an insulin pump to manage their blood sugar levels. Unlike Type 2 diabetes, which is often associated with lifestyle factors and can sometimes be managed with diet and exercise, Type 1 diabetes is not preventable and is typically diagnosed in childhood or early adulthood.

Submit
17. Organs that secrete a substance are:

Explanation

A&P Ch 4

Submit
18. Which of the following disorders may disqualify a pilot from receiving a medical certificate?
1. bipolar disorder
2. substance abuse
3. angina

Explanation

ALU Ch 12

Submit
19. A prognosis in cancer is Metastasis, which refers to:

Explanation

ALU Ch 4

Submit
20. Within each middle ear cavity are the malleus, incus, and stapes, which are the three______________

Explanation

A&P Ch 6

Submit
21. Items listed below are complications that can result from diabetes, EXCEPT:

Explanation

ALU Ch 3

Submit
22. The formation of urine involves all of the following processes EXCEPT:

Explanation

A&P ch 18

Submit
23. The type of Diabetes in which the pancres can no longer produce insulin.

Explanation

ALU Ch 3

Submit
24. Serum and plasma are:

Explanation

ALU Ch 5

Submit
25. A life insurance policy that pays upon the death of the second insured is a ______________

Explanation

ALU Ch 9

Submit
26. Within nerve tissues, axon carries impulses away from the cell body and ____________ carry impulses toward the cell body.

Explanation

A&P Ch 4

Submit
27. A Rider benefit can be added to a life insurance policy.  Which benefit allows the death benefit to be obtained prior to death via policy loans?

Explanation

ALU Ch 9

Submit
28. Misrepresentation on an application is considered material when the:

Explanation

ALU CH 11

Submit
29. Hypertension can lead to any of these diseases EXCEPT for:

Explanation

ALU Ch 2

Submit
30. When pricing an insurance product, the following factors are taken into account EXCEPT for:

Explanation

ALU Ch 9

Submit
31. Within policy provisions, the Grace Period Provision states that if the insured dies in the grace period, then _________________________________

Explanation

ALU Ch 11

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

Explanation

ALU CH 14

Submit
33. All of the following statements regarding the cardiac cycle are correct EXCEPT:

Explanation

A&P Ch12

Submit
34. The following statements are correct in regard to hypertension EXCEPT:

Explanation

ALU Ch 2

Submit
35. In staging cancer, TNM stands for:
1)  Size of the tumor,

Explanation

ALU Ch 4

Submit
36. The percentage of blood in a ventricle pumped during systole is:

Explanation

A&P Ch12

Submit
37. Characteristic features of term life insurance include which of the following?
1. renewability
2. interest sensitivity
3. convertibility

Explanation

ALU Ch 9

Submit
38. Which of the following statements regarding diabetic retinopathy is/are correct?
1. It is a leading cause of blindness
2. It is a condition affecting large arteries
3. It is an early indicator of vascular disease.

Explanation

ALU Ch3

Submit
39. All of the following statements regarding type 2 diabetes mellitus are correct EXCEPT:

Explanation

ALU Ch3

Submit
40. The Three types of Hypertension include all EXCEPT for:

Explanation

ALU CH 2

Submit
41. Additional information that can be obtained from MIB includes:

Explanation

ALU Ch 10

Submit
42. The space between two neurons is called ________________

Explanation

A&P Ch 4

Submit
43. The most important factor affecting mortality rates for auto racing is:

Explanation

ALU ch 13

Submit
44. Potential adverse effects of weight loss medications include which of the following:
1. decreased absorption of nutrients
2. increased blood pressure
3. decreased heart rate

Explanation

ALU Ch2

Submit
45. Medications can cause which of the following adverse responses?
1. physical dependence
2. carcinogenic effect
3. birth defects

Explanation

ALU Ch 7

Submit
46. Which represents the largest portion of general aviation, and the highest percent of fatal accidents?

Explanation

ALU Ch 12

Submit
47. All statements listed below are positive risk factors in foreign travel EXCEPT:

Explanation

ALU Ch 14

Submit
48. Which of the following statements regarding diabetic retinopathy is/are correct?
1. It is a leading cause of blindness
2. It is a condition affecting large arteries
3. It is an early indicator of vascular disease.

Explanation

ALU Ch 3

Submit
49. All of the following statements regarding benign tumors are correct EXCEPT:

Explanation

ALU Ch4

Submit
50. All of the following must be received prior to reporting information to the MIB EXCEPT:

Explanation

ALU Ch 10

Submit
51. Abnormal growth horomone levels may cause all of the following EXCEPT:

Explanation

A&P Ch 10

Submit
52. Autoimmune diseases include which of the following?
1. osteoporosis
2. osteoarthritis
3. rheumatoid arthritis

Explanation

A&P ch 6

Submit
53. When considering foreign travel or residence, the following items are considered in underwriting EXCEPT:

Explanation

When underwriting foreign travel or residence, various factors are taken into consideration to assess the risk involved. The murder rates and fatal disease rates of a particular country are important indicators of safety and health risks, respectively. Life expectancy provides insights into the overall health and well-being of the population. However, the annual tourist count is not directly related to the risk assessment process. While it may indirectly impact certain aspects such as the economy or infrastructure, it is not a direct factor in underwriting decisions.

Submit
54. NIDDM can be identified by the following characteristics EXCEPT for:

Explanation

ALU ch 3

Submit
55. All of the following statements regarding the use of life insurance for charitable gifting are correct EXCEPT:

Explanation

ALU Ch8

Submit
56. All of the following are white blood cells EXCEPT:

Explanation

A&P Ch 11

Submit
57. A fixed defect on a radionoclide imaging test indicates:

Explanation

ALU Ch 5

Submit
58. Which of the following statements regarding nephritis are correct?
1. It is an inflammation of the urinary bladder
2. It is a common complication of untreated cystitis
3. It can progress to renal failure

Explanation

A&P Ch 18

Submit
59. Mitotic activity refers to:

Explanation

ALU Ch 4

Submit
60. All of the following statements regarding underwriting build are correct EXCEPT:

Explanation

ALU Ch 2

Submit
61. All of the following are admissible immigrant classes in Canada EXCEPT:

Explanation

ALU Ch 14

Submit
62. In regard to Auto Racing, the following factors are considered when assessing risk EXCEPT FOR:

Explanation

ALU CH 13

Submit
63. Privacy is protected in Canada by all of the following EXCEPT for:

Explanation

ALU CH 15

Submit
64. The US Patriot Act is intended to help combat terrorism through increased scrutiny of financial transactions.  All examples listed below are suspicious activities EXCEPT for:

Explanation

ALU Ch 15

Submit
65. Organizations that routinely access MIB information include which of the following?
1. member companies
2. governmental agencies
3. consumer reporting agencies

Explanation

Organizations that routinely access MIB information include member companies. This means that only option 1 is correct. Governmental agencies and consumer reporting agencies are not mentioned as organizations that routinely access MIB information.

Submit
66. Anaplastic tumors are high grade, __________________ and grow quickly.

Explanation

ALU Ch 4

Submit
67. The Canadian air transportation system is operated and regulated by Transport Canada and the:

Explanation

ALU ch 12

Submit
68. Which of the following statements regarding nephritis are correct?
1. It is an inflammation of the urinary bladder
2. It is a common complication of cystitis
3. It can progress to renal failure

Explanation

A&P ch 18

Submit
69. Which of the following statements regarding the effects of aging on the integumentary system are correct?
1. Sebaceous glands become more active
2. Layers of the skin become thinner
3. There is less fat in subcutaneous tissues

Explanation

A&P ch 5

Submit
70. Low grade cancers are _____________________________ and grow slowly.

Explanation

ALU ch 4

Submit
71. The regulation of how the industry handles public retirement plans is done by:

Explanation

ALU Ch 15

Submit
72. Corporate-owned life insurance (COLI) emphasizes:

Explanation

ALU ch 9

Submit
73. All of the following are parts of the upper respiratory tract EXCEPT the:

Explanation

A&P Ch 15

Submit
74. The life insurance product with the highest lapse rate is:

Explanation

ALU Ch 9

Submit
75. Special conditions, priviledges, or limitations apply when rating for aviation.  All are listed below EXCEPT for:

Explanation

ALU ch 12

Submit
76. All of the following are required statutory policy provisions in a life insurance contract EXCEPT the:

Explanation

ALU ch 11

Submit
77. All of the following are sections of the aorta EXCEPT:

Explanation

A&P Ch 13

Submit
78. Which of the following statements regarding visceral sensations is/are correct?
1. Hunger and thirst receptors are in the hypothalamus
2. Hunger receptors detect changes in blood nutrient levels
3. Thirst receptors detect changes in the body water contents

Explanation

A&P ch 9

Submit
79. The cranial bones are lined with the ______________

Explanation

A&P Ch 6

Submit
80. Which of the following is/are classified as mountain climbing?
1. trail hiking
2. bouldering
3. mountaineering

Explanation

ALU Ch 13

Submit
81. All of the following are considered mountain climbing EXCEPT FOR:

Explanation

Mountain climbing typically involves ascending natural rock formations or ice-covered terrain in mountainous regions. Bouldering focuses on short climbs without ropes on boulders, while ice climbing involves ascending frozen formations. Climbing walls are artificial structures for practice. Buildering, however, is the urban activity of climbing man-made structures like buildings, not typically categorized as mountain climbing.

Submit
82. Lack of oxygen in the tissues causes:

Explanation

A&P ch 15

Submit
83. Uniformity in insurance regulation is obtained through NAIC is the United States and ___________ in Canada.

Explanation

ALU Ch 15

Submit
84. Which of the following sensations is detected by encapsulated nerve endings:

Explanation

A&P ch 9

Submit
85. Which of the following statements regarding dried blood spot (DBS) testing is/are correct?
1. It is a preferred testing method for samples collected internationally
2. It may be collected by insurance sales agents
3. It may be used to test hemoglobin A1c levels

Explanation

ALU ch6

Submit
86. The Supreme Court held that issuing a policy of insurance is not a transaction of commerce, effectively giving states the authority to regulate the life insurance industry stemming from ___________.

Explanation

ALU Ch 15

Submit
87. Glands are ______________ tissues that produce secretions.

Explanation

A&P Ch 4

Submit
88. In regard to Scuba diving, the following factors are considered when assessing risk EXCEPT:

Explanation

ALU CH 13

Submit
89. In regard to someone who is underweight, the following are complications EXCEPT:

Explanation

ALU Ch 2

Submit
90. Sarcoma arises in ___________tissues.

Explanation

ALU Ch 4

Submit
91. Carcinoma arises in ___________tissues.

Explanation

ALU Ch 4

Submit
92. An agent who convinces a policyowner to replace one existing policy with a policy from another insurer, benefiting the agent in commissions earned is called ___________

Explanation

ALU Ch 15

Submit
93. All of the following statements regarding a cerebrovascular accident (CVA) are correct EXCEPT:

Explanation

A&P Ch 8

Submit
94. Specialized cells in the Peripheral Nervous System are ________________________

Explanation

A&P Ch 4

Submit
95. Which of the following statements regarding connective tissue membranes is/are correct?
1. the perichondrium covers each bone
2. the deep fascia covers each skeletal muscle
3. the meninges cover the brain and spinal cord

Explanation

A&P Ch 4

Submit
96. All of the following are exempt from replacement regulations in most states EXCEPT:

Explanation

ALU Ch15

Submit
97. All of the following statements regarding arteries are correct EXCEPT:

Explanation

A&P Ch 13

Submit
98. Which of the following statements regarding cancer chemotherapy are correct? 1. It can cause new tumors 2. It is the primary therapy for metastic cancer 3. It is very effective on slow-growing tumors

Explanation



Chemotherapy can indeed lead to secondary cancers in rare cases, and it is a primary treatment for many metastatic cancers, but it is not generally effective on slow-growing tumors.
Submit
99. Which of the following statements regarding body chemistry is/are correct?
1. Water is an inorganic chemical
2. Organic chemicals always contain hydrogen
3. Carbon is usually not an element in inorganic chemicals

Explanation

A&P Ch 1

Submit
100. 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 method
2. The business loss method is used for creditor insurance
3. A buy-sell agreement should reveal the valuation formula used for the business

Explanation

ALU Ch 8

Submit
101. The bone which bears the weight in the lower leg is the ___________

Explanation

A&P Ch 6

Submit
102. All items below are concerns involving international aviation EXCEPT for:

Explanation

ALU Ch 12

Submit
103. The most powerful predictor of future mortality after age complications is:

Explanation

ALU Ch 2

Submit
104. Privacy is protected in the United States by all of the following EXCEPT for:

Explanation

ALU Ch 15

Submit
105. Sensitivity of the skin depends on the number of receptors present.  For heat, cold, and pain, the receptors are ________________

Explanation

A&P Ch 5

Submit
106. When respiratory rate increases, the muscle fibers may literally run out of oxygen.  This state is called _________________

Explanation

A&P Ch 7

Submit
107. 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 contraction 3. Diastolic represents the minimum pressure at the end of relaxation 4. Systolic represents the minimum pressure during contraction 5. BP measures the tension of the arteries

Explanation



Blood pressure readings consist of two numbers: systolic and diastolic. Systolic pressure, the higher number, measures arterial pressure during heart contractions. Diastolic pressure, the lower number, measures it during heart relaxation. Blood pressure essentially gauges the force of blood against arterial walls, reflecting arterial tension.
Submit
108. Complications of diabetes include all below EXCEPT:

Explanation

ALU CH 3

Submit
109. The nerve impulses for movement come from the _______________

Explanation

A&P Ch 7

Submit
110. Specialized cells in the Central Nervous System are ____________

Explanation

A&P Ch 4

Submit
111. The respiratory centers of the brain are located in which of the following parts of the brain?
1. pons
2. cerebellum
3. medulla

Explanation

A&P Ch 15

Submit
112. When a policy is reinstated in Canada, the Reinstatement Provision differs from that in the U.S. in that:

Explanation

ALU Ch 11

Submit
113. The thumb is able to cross over the palm, permitting gripping, due to the _______________.

Explanation

A&P Ch 6

Submit
114. Beta Blockers can be prescribed for any of the following EXCEPT:

Explanation

This choice is technically true if considering it in the strictest sense of the term for all encompassing dysrhythmias without specific qualifications, as there are certain dysrhythmias where beta blockers would not be indicated or effective, and indeed could potentially worsen the condition. This option also would depend heavily on interpretation and the specifics of what kinds of arrhythmias one considers under the umbrella of "dysrhythmia.

Submit
115. All of the following are classes of drugs used to control angina EXCEPT:

Explanation

The class of drugs used to control angina that is NOT listed among the options is "statins." Statins are primarily used to lower cholesterol levels and reduce the risk of heart disease, but they are not typically used to directly control angina symptoms. The other three classes of drugs—nitrates, beta-blockers, and calcium-channel blockers—are commonly used to manage angina and its symptoms.

Submit
116. The classification of joints is based on the amount of movement possible.  A freely movable joint is called a/an ____________

Explanation

A&P Ch 6

Submit
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The condition caused when gastric secretions back up into the...
Insulin is produced in the beta cells of the:
Which of the following difficulties can occur when obtaining medical...
The brain is part of the:
In foreign travel risk, which factor is considered negative risk...
Jaundice is caused by an excessive accumulation of:
The vitamin formed in the skin by sunlight is:
Treatments for coronary artery disease include all of the following...
Diabetes can be diagnosed using these tools EXCEPT FOR:
Retinopathy, neuropathy and Nephropathy are all possible complications...
Cancer treatment can include all of the following EXCEPT for:
The following are tools used in diagnosing build EXCEPT:
Ketoacidosis is a complication associated with:
Within the beta cells of the pancreas, _____________ is produced.
The following lists complications related to obesity EXCEPT for:
Insulin dependent diabetes (IDDM) is also known as:
Organs that secrete a substance are:
Which of the following disorders may disqualify a pilot from receiving...
A prognosis in cancer is Metastasis, which refers to:
Within each middle ear cavity are the malleus, incus, and stapes,...
Items listed below are complications that can result from diabetes,...
The formation of urine involves all of the following processes EXCEPT:
The type of Diabetes in which the pancres can no longer produce...
Serum and plasma are:
A life insurance policy that pays upon the death of the second insured...
Within nerve tissues, axon carries impulses away from the cell body...
A Rider benefit can be added to a life insurance policy.  Which...
Misrepresentation on an application is considered material when the:
Hypertension can lead to any of these diseases EXCEPT for:
When pricing an insurance product, the following factors are taken...
Within policy provisions, the Grace Period Provision states that if...
In regards to International Risk, travel to a foreign nation...
All of the following statements regarding the cardiac cycle are...
The following statements are correct in regard to hypertension EXCEPT:
In staging cancer, TNM stands for:1)  Size of the tumor,
The percentage of blood in a ventricle pumped during systole is:
Characteristic features of term life insurance include which of the...
Which of the following statements regarding diabetic retinopathy...
All of the following statements regarding type 2 diabetes mellitus are...
The Three types of Hypertension include all EXCEPT for:
Additional information that can be obtained from MIB includes:
The space between two neurons is called ________________
The most important factor affecting mortality rates for auto racing...
Potential adverse effects of weight loss medications include which of...
Medications can cause which of the following adverse responses?1....
Which represents the largest portion of general aviation, and the...
All statements listed below are positive risk factors in foreign...
Which of the following statements regarding diabetic retinopathy...
All of the following statements regarding benign tumors are correct...
All of the following must be received prior to reporting information...
Abnormal growth horomone levels may cause all of the following EXCEPT:
Autoimmune diseases include which of the following?1. osteoporosis2....
When considering foreign travel or residence, the following items are...
NIDDM can be identified by the following characteristics EXCEPT for:
All of the following statements regarding the use of life insurance...
All of the following are white blood cells EXCEPT:
A fixed defect on a radionoclide imaging test indicates:
Which of the following statements regarding nephritis are correct?1....
Mitotic activity refers to:
All of the following statements regarding underwriting build are...
All of the following are admissible immigrant classes in Canada...
In regard to Auto Racing, the following factors are considered when...
Privacy is protected in Canada by all of the following EXCEPT for:
The US Patriot Act is intended to help combat terrorism through...
Organizations that routinely access MIB information include which of...
Anaplastic tumors are high grade, __________________ and grow quickly.
The Canadian air transportation system is operated and regulated by...
Which of the following statements regarding nephritis are correct?1....
Which of the following statements regarding the effects of aging on...
Low grade cancers are _____________________________ and grow slowly.
The regulation of how the industry handles public retirement plans is...
Corporate-owned life insurance (COLI) emphasizes:
All of the following are parts of the upper respiratory tract EXCEPT...
The life insurance product with the highest lapse rate is:
Special conditions, priviledges, or limitations apply when rating for...
All of the following are required statutory policy provisions in a...
All of the following are sections of the aorta EXCEPT:
Which of the following statements regarding visceral sensations is/are...
The cranial bones are lined with the ______________
Which of the following is/are classified as mountain climbing?1. trail...
All of the following are considered mountain climbing EXCEPT FOR:
Lack of oxygen in the tissues causes:
Uniformity in insurance regulation is obtained through NAIC is the...
Which of the following sensations is detected by encapsulated nerve...
Which of the following statements regarding dried blood spot (DBS)...
The Supreme Court held that issuing a policy of insurance is not a...
Glands are ______________ tissues that produce secretions.
In regard to Scuba diving, the following factors are considered when...
In regard to someone who is underweight, the following are...
Sarcoma arises in ___________tissues.
Carcinoma arises in ___________tissues.
An agent who convinces a policyowner to replace one existing policy...
All of the following statements regarding a cerebrovascular accident...
Specialized cells in the Peripheral Nervous System are...
Which of the following statements regarding connective tissue...
All of the following are exempt from replacement regulations in most...
All of the following statements regarding arteries are correct EXCEPT:
Which of the following statements regarding cancer chemotherapy are...
Which of the following statements regarding body chemistry is/are...
Which of the following statements regarding valuation methods used for...
The bone which bears the weight in the lower leg is the ___________
All items below are concerns involving international aviation EXCEPT...
The most powerful predictor of future mortality after age...
Privacy is protected in the United States by all of the following...
Sensitivity of the skin depends on the number of receptors...
When respiratory rate increases, the muscle fibers may literally run...
Which of the following statements regarding blood pressure is/are...
Complications of diabetes include all below EXCEPT:
The nerve impulses for movement come from the _______________
Specialized cells in the Central Nervous System are ____________
The respiratory centers of the brain are located in which of the...
When a policy is reinstated in Canada, the Reinstatement...
The thumb is able to cross over the palm, permitting gripping, due to...
Beta Blockers can be prescribed for any of the following EXCEPT:
All of the following are classes of drugs used to control angina...
The classification of joints is based on the amount of movement...
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