Question 1.

What was the form of Life Insurance 2000 years ago?

Burial Societies
Charity Organization
Recreation Clubs
Coffee Shops

Question 2.
Under the Contract Law, what are the requirements for the formation of a contract? Multiple
Answers
Offer and Acceptance
Form
Consideration
Counter Offer

Question 3.
The first Life Policy was effected in England on...
15 June 1583
15 June 1683
15 June 1783
15 July 1683

Question 4.
What does IASL mean?
Insurance Association of Sri Lanka
Insurance Actuaries of Sri Lanka
Insurance Authority of Sri Lanka
Insurance Alliance of Sri Lanka

Question 5.
When was the Sri Lanka Insurance Institute established?
1982
1983
1984
1985

Question 6.
What is the responsibility of the "Insurance Ombudsman"?
He is an independent arbitrator between insurer and insured
He is not an independent arbitrator between insurer and insured
He will act for the interest of the insurer
All are incorrect

Question 7.
What is the Law which controls the Life Insurance Contract?
Law of Contract
Law of Justice
Criminal Law
All are correct

Question 8.
What is the form of the insurance contract?
Written Form
Verbal Form
Verbal & Written Both
Only Verbal Form

Question 9.
What is the age limit for a person to enter into the insurance contract?
Above 18 years old
Between 15 and 18

Below 18 years
Above 1 year

Question 10.
If an insurance claim is repudiated, what is the time period for legal action?
6 years from the date of repudiation
2 years from the date of repudiation
3 years from the date of repudiation
1 year from the date of repudiation

Question 11.
What is the relationship of the Salesperson towards insurance companies?
Agent
Advisor
Consultant
Mediator

Question 13.
What are the responsibilities of the Insurance Board of Sri Lanka? Multiple Answers
To safeguard the interests of the policy holders
To regulate the insurance industry
To safeguard the interests of the insurance industry
To safeguard the interest of the people of this country

Question 14.
What is the ACT which regulates the insurance industry in Sri Lanka?
Act No. 43 of 2000
Act No. 25 of 1962
Act No. 43 of 2001
Act No. 42 of 1986

Question 15.
What is the element which validate an insurance contract?
Consideration
Form
Offer or Counter Offer
Acceptance

Question 16.
In which year insurance industry was nationalized?
1961
1962
1963
1964

Question 17.
What does SLIBA mean?
Sri Lanka Insurance Brokers Association
Sri Lanka Institute of Bankers Associations
Sri Lanka Insurance & Banking Association
All are correct

Question 18.
Sri Lanka Insurance Institute is regulated by the Ministry of Finance. This statement is
Incorrect
Correct
Not totally incorrect
Not totally correct

Question 19.
What are the materials which are not considered to be Offers? Multiple Answers
Newspaper Advertisements
Marketing Materials and Billboards
Brochures
Proposal

Question 20.
What is the expectation of an Offer?
Acceptance
Counter Offer
Counter Acceptance
None of the above

Question 21.
What is the sole authorised institution to regulate the insurance industry in Sri Lanka?
Insurance Board of Sri Lanka
Insurance Institute of Sri Lanka
Insurance Association of Sri Lanka
Ministry of Finance

Question 22.
What does Agreement means?
Contract between two or more parties in the form of an offer and acceptance
Contract between two or more parties in the form of a consideration
Contract between two or more parties in the form only verbal offer and acceptance
Contract between two or more parties in the form only written offer and acceptance

Question 23.
What is the responsibility of the Burial Societies?
They pay funeral expenses of the members
They pay medical cost of the members

They pay benefits to the beneficiaries of the deceased

They pay life insurance claim to the beneficiaries

Question 24.
What was the institution similar to that of Burial Society?
(+)

Trade Guilds

( )

Charity Organizations

( )

Micro Finance Institutions

( )

Chamber of Commerce

Question 25.
What was the oldest type of Insurance Policy?
Term Assurance
Endowment Assurance
Whole Life Assurance
Annuity

Question 26.
What was the first ACT enacted for the regulation of insurance industry?
Control of Insurance, Act No.25 of 1962
Companies Act of 1938
Companies Act No. 17 of 1938
Finance Act of 1963

Question 27.
What was the first Sri Lankan Insurance Company ?
Ceylon Insurance Company Ltd
Protection & Indemnity Ltd
James Finlay and Co
Carson Cumberbatch and Co

Question 28.
What are the ways an "offer" can be expressed? Select Multiple.
Verbal
Written
Conduct
Intention

Question 29.
There are number of ways to discharge a contract. One of them is
Frustration
Recession
Action for Damages
Injunction

Question 30.
There are number of ways of Remedies for Breach of Contract. One of them is,
Action for Damages
Performance
Agreement
Operation of Law

Question 31.
What is the alternate action for a Broker in case the the registration is cancelled?
Can go to the Court of Appeal
Can go to the Civil Court
Can go to the Magistrate Court
Can go to the High Court

Question 32.
What are the Documents a Broker Company should maintain? Select Multiple
Register of Claims
Professional Indemnity Policy

Register of Policies
Register of Prospecting

Question 33.
What are the purposes of Life Insurance? Select Multiple
Protection
Savings
Investment
Retirement
Contribution
Indemnity

Question 34.
In case of death of the insured what is the response of Life Insurance Policies whilst the policy in
force?
A sum of money will be paid
Part payment of the total sum will be made
Sum Insured will be paid only at the maturity
All are incorrect

Question 35.
What is not the purpose of Life Insurance?
Insurance for Children
Insurance for Protection
Insurance for Investments
Insurance for Savings

Question 36.
"Consideration" is one of the Principles of Insurance. This statement is
Incorrect
Correct
Partially Correct
None of the above

Question 37.
What is the Principle that is not relevant to Life Insurance?
Subrogation
Utmost Good Faith
Insurable Interest
Proximate Cause

Question 38.
What is the relationship which does not have "Insurable Interest"?
Father and Son
Husband and Wife
An Adult On His Own Life
Employer and Employee

Question 39.
When is the "Insurable Interest" required for Life Insurance?
At the time of inception of the policy
At the time of inception and at the time of claim
At the time of claim
At the time of maturity

Question 40.
What is the Principle which requires the important information to be declared?
Utmost Good Faith
Proximate Cause
Contribution
Insurable Interest

Question 41.
What is the action to be taken in case of breach of Utmost Goodfaith?
Policy may be cancelled
Policy may be allowed to continue

Policy will be surrendered

None of the above

Question 42.
What is the Principle which is not so relevant to Life Insurance?
Proximate Cause
Insurable Interest
Utmost Goodfaith
Contribution

Question 43.
What is Indemnity?
Payment of Financial Compensation at the time of loss
Payment of Ex-Gratia
Placing the Insured Property in a better position after the claim
It is a benefit out of loss

Question 44.
What does Subrogation mean?
It is a right to recover the cost from the person
The person who made the losses is held responsible
Insurer will not pay in case of third party involvement in the loss
None of the above

Question 45.
What is Contribution?
When the claim is paid by one insurer, other insurers will reimburse their share to the payer
When the claim is paid by one insurer, others will wait for their time to come
When the claim is paid by one insurer, others will cancel their policies
None of the above

Question 46.
What are the conditions under which Term Insurance benefits are paid? Select Multiple
Death of the insured within the policy period
Policy should be in force at the time of death
Insured should survive till the date of maturity
All are correct

Question 47.
What is not Term Assurance among the following?
Decreasing Assurance
Convertible Assurance
Endowment Assurance
Level Term Assurance

Question 48.
Name a feature of Decreasing Term Assurance
Sum Assured Decreases Annually
Premium Decreases Annually
Premium is not constant
Plan can be converted

Question 49.
Name the main feature of Whole Life Assurance
Sum Assured will be paid at the time of death
Sum Assured will be paid at the time of maturity
Sum Assured will be paid at the time of death within the Term
None of the above

Question 50.
What is Annuity?
A series of payment to the insured for life or other agreed term

A single payment to the insured at the time of maturity

A single payment to the beneficiary at the time of death of the insured
All are correct

Question 51.
Decreasing Term Assurance is suitable for
To repay the balance of loan
To fund for the investment
To save money for the future
All are correct

Question 52.
What is the main feature of Convertible Term Assurance?
Gives right to the insured to convert the policy without the evidence of insurability (health)
Covers balance of loan outstanding without the evidence of insurability (health)
Gives a Lump Sum before death without the evidence of insurability (health)
Gives a Lump Sum at the time of maturity without the evidence of insurability (health)

Question 53.
Under Long Term Care insurance what is not the activity of daily living?
Working
Washing and Bathing
Dressing
Eating

Question 54.
Correct statements about Group Life Assurance are
Covers number of people under single policy
Parties to the contract are Employer and Insurer
One policy covers one person

Parties to the contract are Employer and Employee

Question 55.
Correct Statements about Takaful Insurance are
Ownership of the fund and operation is passed on to policy holders
Premiums are considered to be "donations"
Returns are not owned by the company or the shareholder
Policy holders manage the company

Question 56.
Life Assurance is meant for the.....
Education Fund
Retirement Fund
Fund for Dependants living expenses
Disability Income

Question 57.
What are business needs of Life Assurance?
Employee Benefits
Business Partners
Key Persons
None of the above

Question 58.
What are the principles which have full impact on life assurance?
Insurable Interest
Utmost Good faith
Proximate Cause
Indemnity

Question 59.
Valid Insurable Interest lies with....(Select Multiple)
Insurable Interest in Oneself
Between Creditor and Debtor
Between Business Partners
Employer and Employee

Question 60.
Wrong statements under Insurable Interest are
Insurance Interest must exist at the time of inception and at the time of claim
Insurance Interest must exist at the time of inception and at the time of maturity
Insurance Interest must exist at the time of inception only
Insurance Interest must exist at the time of claim only

Question 61.
This is not a part of the policy....
Quotation
Policy Document
Proposal
Declarations by the insured

Question 62.
What are the privileges (rights) of the Policy Owner?
Cooling Off Period
Grace Period
Policy Loan
Incontestability

Question 63.
What does 'Policy Exclusion' mean?
Events for which insurer is not liable to pay
Events for which insurer is liable to pay
Events for which insured is entitled for compensation
Events which have direct impact on death or disability

Question 64.
Whose consent has to be obtained for making any changes in the policy?
Insured or Policy Owner
Insurance Company
Authorised Officer
Sales Advisor

Question 65.
Grace Period is due from the
last date of premium payable
first date of first premium payable
first date of last premium payable
None of the above

Question 66.
What will happen if death of the insured occurred during the Grace Period?
Full payment with deduction of balance premium
Full payment without deduction of balance premium
No payment will be made
None of the above

Question 67.
Generally how many days for Grace Period?
30
60
15
90

Question 68.
Under what circumstances a policy is considered to be a 'Paid Up" policy?
Situation where the premiums are not paid after policy acquired a surrender value
Situation where the premiums are paid after policy acquired a surrender value
Situation where the premiums are not paid before policy acquired a surrender value
None of the above

Question 69.
Statement which correctly explains the "Surrender Value" is
A cash value in case the policy is surrendered
A cash value equal to the Sum Assured
A cash value in case the policy is revived
None of the above

Question 70.
What is the maximum percentage of the policy loan?
90% of the Surrender Value
75% of the Surrender Value
65% of the Surrender Value
50% of the Surrender Value

Question 71.
What will happen if the policy loan is not repaid?
Loan amount along with the interest will deducted from the claim
Loan amount along with the interest will be waived off

Loan amount without the interest will deducted from the claim
Loan amount will be waived off but the interest will be deducted

Question 72.
If the policy is considered to be a "Paid Up" policy, what is the requirement?
Policy has to complete the entire period
Policy has to acquire the surrender value
Policy has to pay the full premium
Policy has to complete only one year

Question 73.
When is the "Paid Up" value paid?
At the time of maturity or at the time of death before the maturity
At the time of maturity only
At the time of death before the maturity
At the time where payment of premium was stopped

Question 74.
What should be done for the revival of the lapsed policies? Select Multiple
Arrears of premium along with interest should be paid
Revival charges
Submission of Evidence for Good Health Condition (Insurability)
Policy have to be surrendered and then revived

Question 75.
What is the correct statement about "Special Revival"?
The policy term is extended by the unpaid period
The policy term is extended by the paid period
The policy term is extended by the period of future premium
The policy term is extended by the period of past paid premium

Question 76.
What will happen in case of Special Revival?
Premium will be based on present age
Premium will be based on the age at entry
Premium will remain unchanged
Premium will be based on the age at maturity

Question 77.
Nominee is the person who gets the benefit of insurance
at the time of death of the insured
at the time of maturity of the policy
at the time of disablement of the insured
None of the above

Question 78.
Why is Suicide excluded in Life Assurance?
To prevent from taking policies with the intention of Suicide
Suicide is not an offence
Intention of Suicide was not existent at the time of policy inception
None of the above

Question 79.
What is the main purpose of Life Assurance ?
An arrangement for dependents
An arrangement for social welfare
An arrangement for developing saving skills
An arrangement for developing investment skills

Question 80.
What will happen in case of Suicide within the 1st policy year?
Since suicide is excluded no payment of claim will be made
Part payment will be made
Full payment will be made

Since suicide is included from the 2nd year, 1/3 of the payment will be made

Question 81.
Life Insurance is an Asset of
Insured
Insurer
Broker
Insurance Board of Sri Lanka

Question 82.
Life Insurance
Can be assigned to another party
Cannot be assigned to another party
Cannot be reassigned by the previous Assignee
Cannot get reassigned by the previous Assignor

Question 83.
Insurer will not effect "Assignment" until
he gets the notice in writing
he discharges the claim
he requests the insured to assign the policy
he expresses his concern about the assignment

Question 84.
When can a "Casual Beneficiary (Nominee)" be paid a claim?
At the time of death of the insured and the Nominee
At the time of death of the nominee only
At the time of death of the insured only
At the time of death of the insurer

Question 85.
When a policy is assigned to another person....
Ownership of the policy is transferred
Ownership of the policy is not transferred
Ownership of the additional benefits only transferred
Ownership of the additional benefits is not transferred

Question 86.
What is the period in which 'suicide' is excluded?
1 year from the date of inception and the date of revival
1 year from the date of inception only
1 year from the date of revival
2 years from the date of inception and the date of revival

Question 87.
Non Forfeiture Benefits apply to the following......(Select Multiple)
Lapsed Policies with Surrender Value
Claim has to be intimated within 06 months from the date of lapsation
Policies in Force with Surrender Value
Claim has to be intimated within 01 year from the date of lapsation

Question 88.
Explain the Non Forfeiture Benefits
Benefit will be paid along with the accumulated dividend/bonus
Benefits will be paid deducting the unpaid premiums
Benefits will be paid without any deductions
Benefits will be paid without any additions

Question 89.
When is the "Paid Up Value" is paid to the customer?
At the time of Maturity or at the time of death before maturity
At the time of maturity only
At the time of death before maturity
At the time where the policy acquires the surrender value

Question 90.
What is the policy which acquires "Paid Up Value"?
A Policy with Surrender Value
A Policy with Grace Period
A Policy with Cooling Off Period
A Policy without maturity value

Question 91.
What will happen when a policy is surrendered?
Policy will become cancelled
Policy will become active
Policy will be converted
All are incorrect

Question 92.
Why do we need prove the correct age?
To make sure the correct Age and charge a fair premium
To make sure the correct premium is charged only
To make sure the correct age only
To comply with the Regulatory requirements

Question 93.
Why do we need to keep our policy protected and secured?
It is an evidence of the contract
All benefits and conditions are included in it

To be submitted to the insurer at the time of claim

To prove the the possession of a life policy

Question 94.
Who is the beneficiary of a policy?
Person who is nominated
Person who nominates
Person who does not involve in the nomination
Person who effect the insurance policy

Question 95.
A premium should be (Select Multiple)
Sufficient for the payment of benefits under the policy
Sufficient for discharging the responsibilities under the policy
Sufficient for the payment of welfare schemes under the policy
Sufficient for the payment of an additional policy

Question 96.
What do you mean by "A Reasonable Premium"?
A Premium based on the risk and the benefits payable
A Premium based on the risk only
A Premium based on the benefits payable only
A premium based on the paid up value only

Question 97.
What are the criteria for the calculation of final premium?
Mortality
Interest
Expenses
Welfare cost

Question 98.
What are the sections a life insurance policy has?
Benefits
Privileges
Terms
Conditions
Non Forfeiture

Question 99.
What do you mean by "Benefits of Life Insurance"?
Death Benefit
Disablement Benefit
Illness Benefit
All are incorrect

Question 100.
What will happen in case a policy loan is not repaid?
Balance amount of Interest will be deducted from the claim
Balance amount of Loan will be deducted from the claim
Balance amount of premiums will be deducted from the claim
Balance amount of Interest and Loan will be deducted from the claim

Question 101.
What is the LIfe Insurance Policy?
Policy Document and Declarations
Policy Document Only
Policy Document, Declarations and Proposal Form
Policy Document and Proposal Form

Question 102.
What is the maximum loan amount to be taken under a life insurance policy?
90% of the Surrender Value

75% of the Surrender Value

80% of the Paid Up Value
60% of the Paid Up Value

Question 103.
What is correct explanation about "Incontestability"?
Insurer cannot dispute the validity of the contract except on the grounds of non disclosure
Insured cannot dispute the decision of the insurer in terms of the claim
Agent cannot dispute the decision of the participant in terms of Life Insurance Purchase
All are incorrect

Question 104.
In case of Misstatement of Age, what does the alternatives an insurer have? (Select Multiple)
Adjustment of the Sum Insured
Requesting the insured to pay the correct premium from the beginning
Adjustment of the benefits payable
Waive off the receivable amount from the insured

Question 105.
Correct statement about Revival..
Premium will remain unchanged if there is no risk involvement
Premium will change even if there is no risk involvement
Premium will not change if there is a risk involvement
All are correct

Question 106.
Under special revival premium is based on
Present Age and Health Risk
Present Age and Earning Capacity
Earning Capacity and Health Risk
All are correct

Question 107.
Correct statement about the "Beneficiary"...
No rights in case of surviving insured
Beneficiary can be changed at any time
In case of Assignment, nomination of beneficiary will cease
Insured cannot change the beneficiary once it is done

Question 108.
What is the Settlement Option?
Options to settle the benefits
Options to recover the dues
Options to settle the conflicts
All are correct

Question 109.
What is the reason for a "waiting period" under disablement claims?
It takes time to medically establish the disablement
It takes time to recover medically
Payment will be made after the recovery
All are incorrect

Question 110.
What are the benefits offered under Total Permanent Disability ?Select Multiple
Waiver of Premium
Sum Assured is paid in instalments
Policy is in force and benefits are accumulated
Policy is in force but benefits are not accumulated

Question 111.
What is 'waiver of premium'?
Insurer waives his right to premium from the insured under disablement
Insurer waives insured's right to the benefits receivable under disablement
Insured waives his right to the benefits under disablement
Insured waives insurer's right to the premium under disablement

Question 112.
Disablement benefit could be taken for
the loss of income
the loss of network
the loss of relationships
loss of opportunity cost

Question 113.
Critical Illness Cover offers benefit under
In case of specified illnesses are diagnosed
In case the insured had undergone a specified surgery
In case of OPD treatment
In case of Inpatient treatment

Question 114.
Correct statements about Critical Illness Cover.... (Select Multiple)
Cover ceases at the age of 65 years
Benefit is paid only once
Cover is given only for standard lives
Cover is given only for patients

Question 115.
Critical Illness Cover benefit
is limited to CIC Sum Assured
is limited to main Sum Assured

is limited to the total Sum of additional covers

is not limited

Question 116.
What are Critical Illnesses covered? (Select Multiple)
Life Threatening Cancer and End Stage Renal Failure
Heart Attack and Stroke
Coronary Bypass and Vital Organ Transplantations
Dengue and AIDS

Question 117.
Incorrect statement about 'Accidental Death" ......
Natural Death
Death Due to Accident
Both are correct
Both are incorrect

Question 118.
What are standard exclusions under Accidental Death? (Select Multiple)
Suicide
War
Illegal Activity
Legal Activity

Question 119.
How is the benefits paid under accidental death benefit?
Paid at the time of death due to accident
Paid at the time of disablement due to accident
Both are correct
Both are incorrect

Question 120.
In case of claim under accidental death benefit
Death has to occur within 90 days of the accident
Death has to occur within 60 days of the accident
Death has to occur within 30 days of the accident
Death has to occur within 120 days of the accident

Question 121.
Correct statements about additional (rider) benefits.. (select multiple)
[+]

Additional Covers do not have surrender value

[+]

Additional Covers do not have maturity value

[+]

Additional Covers do not have dividend/bonus

[ ]

Additional Covers do not have cover during the term

Question 122.
What are the requirements for filling up a proposal form(select multiple)
Should state a starting date
Important Details of the Insured/Proposer
Age on the next birthday
Insured's address, family health status including personal information
Signature of the Insured/Proposer

Question 123.
Incorrect statement about filling up a proposal form
Proposer does not need to sign in front of the correction
Proposer needs to sign in front of the correction
Proposer needs to express all the relevant details
Proposer does not need to fill up what is not necessary

Question 124.
Incorrect statement about 'Cooling Off Period"
Contract is cancelled and premium is non-refundable

Contract is in force and premium is refundable

Both are correct
Both are incorrect

Question 125.
In case the insured discharged his right of "Cooling Off Period",
Policy is cancelled and premium is refundable
Policy is not cancelled and premium is non refundable
Policy is cancelled and premium is not refundable
All are correct in relevant situations

Question 126.
What is "Cooling Off Period"?
Self Regulation Process of the Insurer
Self Regulation Process of the Insured
Self Regulation Process of the Salesperson
None of the above

Question 127.
What do you mean by "Twisting"?
Switching an existing policy to another that is not beneficial to the insured
Switching a future policy to another that is not beneficial to the insured
Switching a lapsed policy to another that is not beneficial to the insured
Switching a lapsed policy to another that is beneficial to the insured

Question 128.
What is the information which is not considered to be a material fact in underwriting?
Natural Hazard
Moral Hazard
Physical Hazard

All are correct

Question 129.
What is the fact which is not relevant to Health (Medical) Information ?
Life Insurance Company's purpose
Age
Health Condition
Medical Report

Question 130.
When is the medical report not necessary?
If the age of the insured is less than 20 years
If the age of the insured is less than 60 years
If the age of the insured is more than 20 years
If the age of the insured is less than 18 years

Question 131.
What are the decisions taken on Sub-Standard Risks in underwriting? (Select Multiple)
Refuse to insure
Load the premium
Postpone the period of insurance
Specific Exclusions
Decrease the premium
Give protection immediately

Question 132.
What is not a Supplementary Requirement?
Duly Completed Proposal Form
Mode of Premium Payment
Underwriting Forms
Confidential Report of the Agent

Question 133.
What is the practice which not considered to be a Quality Customer Service?
Proposed Commission
Customer Loyalty
Customer Oriented Corporate Culture
Systems to monitor customer satisfaction

Question 134.
Correct statement about "Policy Switching"...
Customer can switch his existing policy to a beneficial one
Customer can switch his matured policy to a beneficial one
Customer can switch his lapsed policy to a beneficial one
All are correct

Question 135.
Switching a policy
Should be fair for all and should not cause harm to the salesperson
is a must for all
is a must in case the existing policy is disadvantageous
All are correct

Question 136.
What is not the event which raise the risk of death?
Ethnic Risk
Accidental Risk
Risk of Disease
All are correct

Question 137.
What is not the type of risk?
Medium Risk
Standard Risk

Sub Standard Risk

Deferred Risk

Question 138.
What is not the fact considered to be a response of underwriting?
Offering Premium Discount
Loading the Premium
Refusing to Insure
Postponement of the period

Question 139.
What is not the duty of the Department of Policy Holders Service?
Processing the Hospitalization Claim
Correspondence with customers
Effecting Policy Changes
Benefit Administration

Question 140.
What is the item which cannot be changed by PHS department?
Insured
Insurance Cover
Address of the Policy Owner
Assignment of the Policy

Question 141.
What are types of Claims?
[+]

Maturity Claim

[+]

Death Claim

[+]

Policy Surrender

[ ]

All are incorrect

Question 142.
What is not the consideration relevant to Maturity Claims?
Contribution
Communication
Legal Title
Proof of Age

Question 143.
What are the specific information relevant to Death Claims? Select Multiple
Date of Death and Proof of Death
Cause of Death and Presumption of Death
Accident and Suspicious Event
Proof of Relationship to the murderer

Question 144.
What is not the requirement for policy surrender?
Agents Report
Proof of Title
Adjustments
Discharger

Question 145.
What are the requirements at the time of Policy Surrender? Select Multiple
Proof of Title and Unpaid Premiums
Loans & Interests and Discharge Form
Paid Premiums and Paid Loans
All are correct

Question 146.
Why do we need to find out the reasons for death? Select Multiple
To find out Suicides
To find out Accidents

To establish Suspicious Event

To establish Murder

Question 147.
Correct Statements about Maturity Claims
Reminding the customer of the maturity date
Insurer can only deal with the person having Legal Title
No Proof of Age is required even under "Age Not Admitted"
All are incorrect