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 7 of 9

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Q61.
What is the toxic effect of abnormal saturation of nerve tissue at great depth with huge amounts of oxygen, carbon dioxide, and nitrogen?

a.

Gas embolism and pulmonary pneumothorax

b.

Nitrogen necrosis

c.

Hallucinations and impaired judgment

d.

None of the above

Discuss
Answer: (c).Hallucinations and impaired judgment Explanation:Abnormal saturation of nerve tissue at great depth with huge amounts of oxygen, carbon dioxide, and nitrogen can have a toxic effect and impair judgment and reason.
Q62.
What are the conditions that may lead to divers hallucinating, taking off their breathing equipment, and drowning?

a.

Gas embolism and pulmonary pneumothorax

b.

Nitrogen necrosis

c.

Lack of directional control

d.

None of the above

Discuss
Answer: (b).Nitrogen necrosis Explanation:In conditions like nitrogen necrosis, divers who dive down too deeply and stay too long have been known to hallucinate, take off their breathing equipment, and drown.
Q63.
What is ballooning and what risk is associated with it?

a.

Ballooning is a sport that involves flying in a balloon; the risk arises due to bad weather conditions

b.

Ballooning is a sport that involves flying in a balloon; the risk arises due to hitting obstacles like electricity cables and pylons

c.

Ballooning is a sport that involves jumping off a cliff; the risk arises due to not having directional control

d.

Ballooning is a sport that involves flying in an airplane; the risk arises due to engine failure

Discuss
Answer: (b).Ballooning is a sport that involves flying in a balloon; the risk arises due to hitting obstacles like electricity cables and pylons Explanation:Ballooning is a sport that involves flying in a balloon and the risk arises due to hitting obstacles like electricity cables and pylons.
Q64.
What is the risk associated with decompression accidents in SCUBA diving?

a.

Divers may hallucinate, take off their breathing equipment and drown

b.

Divers may get bitten by sharks

c.

Divers may get trapped in underwater caves

d.

Divers may get lost in underwater mazes

Discuss
Answer: (a).Divers may hallucinate, take off their breathing equipment and drown Explanation:Decompression accidents in SCUBA diving can cause air to expand explosively in the chest, causing gas embolism and pulmonary pneumothorax, and that divers may also suffer from abnormal saturation of nerve tissue with huge amounts of oxygen, carbon dioxide and nitrogen, which can impair judgment and reason, leading to hallucination, taking off breathing equipment, and drowning.
Q65.
What is the primary risk associated with car racing?

a.

Injury from crashes at high speeds

b.

Drowning in water

c.

Heat exhaustion from prolonged exposure to sunlight

d.

All of the above

Discuss
Answer: (a).Injury from crashes at high speeds Explanation:Car racing carries the risk of crashing at considerable speed, presenting considerable additional risk to life and disability.
Q66.
What is one risk associated with overseas car racing events?

a.

Varying safety standards

b.

Unusual terrain

c.

Climatic conditions

d.

All of the above

Discuss
Answer: (d).All of the above Explanation:Overseas events carry greater risks due to varying safety standards, unusual terrain, and climatic conditions.
Q67.
What is one factor that is important to consider when assessing a mountaineering applicant?

a.

Their age

b.

Their past accident record

c.

Their physical appearance

d.

Their educational background

Discuss
Answer: (b).Their past accident record Explanation:Experience is obviously a vital factor in assessing the applicant, plus the accident record.
Q68.
Which of the following factors affect the life expectancy of residents in a particular country?

a.

Geographical location

b.

Climate and political stability

c.

Educational development

d.

None of the above

Discuss
Answer: (b).Climate and political stability Explanation:Factors such as climate are more or less permanent, while others like political instability are subject to changes and affect the life expectancy of residents.
Q69.
What should an underwriter do to remain abreast of changes in residential risks?

a.

Update the manuals periodically

b.

Refer to travel advisory for the latest review of the situation

c.

Both a and b

d.

None of the above

Discuss
Answer: (c).Both a and b Explanation:An underwriter should update the manuals periodically and refer to travel advisory for the latest review of the situation to remain informed about changes in residential risks.
Q70.
How can an underwriter adjust ratings for factors affecting residential risks?

a.

By restricting certain benefits or charging extra premium

b.

By denying terms for certain benefits

c.

Both a and b

d.

None of the above

Discuss
Answer: (c).Both a and b Explanation:The terms offered can comprise of restricting certain benefits or charging extra premium for the benefits or totally denying terms for certain benefits, and the ratings for these factors will need to be adjusted accordingly.
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