Diabetes Mellitus MCQs

Welcome to our comprehensive collection of Multiple Choice Questions (MCQs) on Diabetes Mellitus, a fundamental topic in the field of IC22 Life Insurance Underwriting. Whether you're preparing for competitive exams, honing your problem-solving skills, or simply looking to enhance your abilities in this field, our Diabetes Mellitus MCQs are designed to help you grasp the core concepts and excel in solving problems.

In this section, you'll find a wide range of Diabetes Mellitus mcq questions that explore various aspects of Diabetes Mellitus problems. Each MCQ is crafted to challenge your understanding of Diabetes Mellitus principles, enabling you to refine your problem-solving techniques. Whether you're a student aiming to ace IC22 Life Insurance Underwriting tests, a job seeker preparing for interviews, or someone simply interested in sharpening their skills, our Diabetes Mellitus MCQs are your pathway to success in mastering this essential IC22 Life Insurance Underwriting topic.

Note: Each of the following question comes with multiple answer choices. Select the most appropriate option and test your understanding of Diabetes Mellitus. You can click on an option to test your knowledge before viewing the solution for a MCQ. Happy learning!

So, are you ready to put your Diabetes Mellitus knowledge to the test? Let's get started with our carefully curated MCQs!

Diabetes Mellitus MCQs | Page 10 of 11

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Q91.
What is the relationship between the degree of complications and the control of diabetes?

a.

Direct relationship

b.

Inverse relationship

c.

No relationship

d.

It depends on the individual

Discuss
Answer: (a).Direct relationship Explanation:The degree of complications has a linear relationship with the degree of control of diabetes, with worse control leading to higher risk of developing complications and mortality.
Q92.
What additional loading is required for the presence of complications like retinopathy and early nephropathy?

a.

Small additional loading

b.

Large additional loading

c.

No additional loading

d.

Declinature of the risk

Discuss
Answer: (b).Large additional loading Explanation:The presence of complications like retinopathy and early nephropathy (microalbuminuria stage) will require additional loadings.
Q93.
What additional risk factor profile has an unfavorable impact on mortality?

a.

Smoking

b.

Dyslipidemia

c.

High BMI

d.

All of the above

Discuss
Answer: (d).All of the above Explanation:The considerations that need to be taken into account while underwriting individuals with diabetes for life insurance policies includes factors like smoking, dyslipidemia, and high BMI. The presence of these factors has an unfavorable impact on mortality, meaning that individuals with these factors are at a higher risk of death than those without them. As a result, insurance companies may require additional loadings or may even decline the risk for individuals with these risk factors.
Q94.
What is the significance of Diabetes Mellitus in the long-term mortality rates of insured lives?

a.

It is a minor risk to life

b.

It is a moderate risk to life

c.

It is a significant risk to life

d.

It is not a risk to life

Discuss
Answer: (c).It is a significant risk to life Explanation:Diabetes Mellitus is still considered a significant risk to life in the long-term mortality rates of insured lives.
Q95.
Which factors affect the underwriting risk selection of diabetic applicants?

a.

Blood reports and review of medical records

b.

Duration of diabetes

c.

Treatment and control of diabetes

d.

All of the above

Discuss
Answer: (d).All of the above Explanation:Blood reports and review of medical records, duration of diabetes, and treatment and control of diabetes are factors that affect the underwriting risk selection of diabetic applicants.
Q96.
How does the duration of diabetes affect the underwriting risk selection?

a.

Shorter duration of diabetes leads to higher rating

b.

Longer duration of diabetes leads to higher rating

c.

Duration of diabetes does not affect the rating

d.

Duration of diabetes affects the rating in an unpredictable way

Discuss
Answer: (b).Longer duration of diabetes leads to higher rating Explanation:Longer duration of diabetes leads to higher rating due to the increased risk of developing early complications that may not be detected by screening.
Q97.
Which complications require additional loadings in underwriting risk selection?

a.

Retinopathy and early nephropathy

b.

Stroke and Heart Diseases

c.

Established kidney disease

d.

All of the above

Discuss
Answer: (a).Retinopathy and early nephropathy Explanation:Retinopathy and early nephropathy (microalbuminuria stage) require additional loadings in underwriting risk selection. Established kidney disease, stroke, and heart diseases may lead to declinature of the risk.
Q98.
For which of the following purposes is a clinical review of a diabetic applicant required by insurance companies?

a.

To check on diabetic stage

b.

To look for evidence of diabetic complications

c.

To look for possible cure

d.

To assess the damage

Discuss
Answer: (b).To look for evidence of diabetic complications Explanation:Insurance companies require a clinical review of diabetic applicants to look for evidence of diabetic complications because the presence of complications like retinopathy and early nephropathy require additional loadings, while the presence of complications like stroke, heart diseases, and established kidney disease may require declination of the risk altogether. Therefore, it is important for insurance companies to assess the excess mortality risk in diabetic applicants accurately to make informed decisions about underwriting risk selection.
Q99.
What is diabetes?

a.

A group of metabolic disorders caused by improper glucose metabolism in the body

b.

A disease caused by bacterial infection

c.

A type of cancer that affects the pancreas

d.

A disorder caused by excessive intake of sugar

Discuss
Answer: (a).A group of metabolic disorders caused by improper glucose metabolism in the body Explanation:Diabetes isdefined as a group of metabolic disorders caused by improper glucose metabolism in the body.
Q100.
What is hyperglycemia?

a.

A major symptom of diabetes mellitus

b.

A major symptom of thyroid

c.

A symptom of high blood pressure

d.

A symptom of low blood sugar

Discuss
Answer: (a).A major symptom of diabetes mellitus Explanation:Hyperglycemia is a major symptom of diabetes mellitus.
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