Occupational,Avocational and Residential Risks MCQs

Welcome to our comprehensive collection of Multiple Choice Questions (MCQs) on Occupational,Avocational and Residential Risks, 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 Occupational,Avocational and Residential Risks 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 Occupational,Avocational and Residential Risks mcq questions that explore various aspects of Occupational,Avocational and Residential Risks problems. Each MCQ is crafted to challenge your understanding of Occupational,Avocational and Residential Risks 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 Occupational,Avocational and Residential Risks MCQs are your pathway to success in mastering this essential IC22 Life Insurance Underwriting topic.

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Occupational,Avocational and Residential Risks MCQs | Page 5 of 9

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Q41.
What are some basic risk factors associated with avocations?

a.

Age and health of the individual

b.

Type of food consumed

c.

Educational qualification

d.

Color of clothing worn

Discuss
Answer: (a).Age and health of the individual Explanation:Avocations require a certain level of physical fitness from the participant. Hence, these sports could be dangerous for the very young and elderly persons.
Q42.
What is the importance of specialized equipment in avocations?

a.

To make the participant look cool

b.

To make the sport more challenging

c.

To safeguard the participant from the avocation risk

d.

To attract more participants

Discuss
Answer: (c).To safeguard the participant from the avocation risk Explanation:Specialized equipment is needed in avocations to safeguard the participant from the risks associated with the sport.
Q43.
Why is training and level of expertise important in avocations?

a.

To make the sport more dangerous

b.

To reduce the risk associated with the sport

c.

To increase the cost of participation

d.

To discourage participants from participating

Discuss
Answer: (b).To reduce the risk associated with the sport Explanation:Some avocations require specialized training and certifications before an individual can participate in such sports. In the absence of these, it may be extremely dangerous to practice such avocations.
Q44.
How does frequency of participation affect the risk associated with avocations?

a.

Frequent participation leads to higher risk of exposure

b.

Less frequent participation leads to higher risk of exposure

c.

Frequent participation reduces the risk of exposure

d.

Less frequent participation reduces the risk of exposure

Discuss
Answer: (a).Frequent participation leads to higher risk of exposure Explanation:In general, frequent participation in avocations leads to higher risk of exposure. However, less frequent or inadequate level of participation can lead to weakening of critical skills or safety habits due to lack of practice.
Q45.
What is the impact of multiple avocations and hazardous activities on risk?

a.

It reduces the overall risk

b.

It does not impact the overall risk

c.

It increases the overall risk

d.

It makes the sport less challenging

Discuss
Answer: (c).It increases the overall risk Explanation:Some individuals who participate in multiple avocations or engage in hazardous activities like car racing or drugs are identified as personalities who are "thrill seekers" and crave for excitement and danger. Such individuals pose accelerated risks rather than the sum of the independent risk factors.
Q46.
Which of the following aviation activities can be considered high risk?

a.

Flying in commercial airplanes

b.

Flying helicopters for work purposes

c.

Micro-light flying

d.

Flying private jets for leisure

Discuss
Answer: (c).Micro-light flying Explanation:Micro-light flying is an aviation activity that can be considered high risk.
Q47.
What type of aircraft is used in hang gliding?

a.

A non-motorised foot-launched wing

b.

A motorised foot-launched wing

c.

A non-motorised hand-launched wing

d.

A motorised hand-launched wing

Discuss
Answer: (a).A non-motorised foot-launched wing Explanation:Hang gliding involves flying with the help of a non-motorised foot-launched wing known as a hang-glider.
Q48.
What type of licence does a pilot of a micro-light need to have?

a.

A commercial pilot's licence

b.

A private pilot's licence

c.

A micro-light pilot licence

d.

A hang glider pilot licence

Discuss
Answer: (c).A micro-light pilot licence Explanation:Pilots of micro-lights need to have a valid micro-light pilot licence.
Q49.
What is parachuting?

a.

An activity where the participant jumps from a plane without a parachute

b.

An activity where the participant jumps from a certain height using a parachute

c.

An activity where the participant flies in an airplane with a parachute

d.

An activity where the participant flies using a parachute as a wing

Discuss
Answer: (b).An activity where the participant jumps from a certain height using a parachute Explanation:Parachuting is an activity where the participant is dropped from a certain height (by airplane, helicopter, gondola of balloon etc.) using a parachute.
Q50.
How has the mortality experience improved in recent years in parachuting?

a.

There has been no improvement

b.

Established clubs have increased the risk

c.

Obligatory training has decreased the risk

d.

Obligatory training has increased the risk

Discuss
Answer: (c).Obligatory training has decreased the risk Explanation:The mortality experience in parachuting has improved in recent years due to established clubs and the obligatory training before even a one-off charity jump can be undertaken.
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