ALU 101 Practice Questions
These questions are not intended for use as a study guide, nor are they likely to appear on the
upcoming examination, and some may be drawn from material which is no longer part of the
ALU curriculum.
1. The most important factor affecting mortality rates for auto racing is:
1. driver experience
2. vehicle speed
3. fuel type
4. track conditions
2. Misrepresentation on an application is considered material when the:
1. agent knew the information was false
2. underwriting action would have been different if the truth was known
3. applicant knew the information was false
4. facts are discovered during the contestable period
3. A fixed defect on a radionuclide imaging test indicates:
1. left ventricular hypertrophy
2. myocardial ischemia
3. a decreased ejection fraction
4. a prior myocardial infarction
4. To receive payment under most Long Term Care riders, an insured must be:
1. terminally ill
2. confined to a nursing home for at least six months
3. completely disabled
4. unable to perform two or more Activities of Daily Living (ADLs)
5. The Canadian air transportation system is operated and regulated by Transport Canada and
the:
1. Transportation Safety Board (TSB)
2. International Aircraft Owners and Pilots Association (IAOPA)
3. Federal Aviation Administration (FAA)
4. International Civil Aviation Organization (ICAO)
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6. The percentage of blood in a ventricle pumped during systole is:
1. cardiac output
2. ejection fraction
3. stroke volume
4. venous return
7. The maximum pressure achieved during contraction of the heart is:
1. systolic blood pressure
2. pulse pressure
3. diastolic blood pressure
4. atrial pressure
8. On a pathology report, cell-dividing activity is reported as:
1. mitotic rate
2. doubling time
3. staging
4. neoplasia
9. Ketoacidosis is a complication associated with:
1. coronary artery disease
2. hepatitis
3. diabetes
4. peptic ulcer
10. Organs that secrete a substance are:
1. ducts
2. glands
3. vessels
4. tubules
11. The best measure of renal function is:
1. glomerular filtration rate (GFR)
2. proteinuria
3. blood urea nitrogen (BUN)
4. specific gravity
12. A medical condition that can affect an individual's ability to safely operate a motor vehicle is:
1. narcolepsy
2. hepatitis B
3. melanoma
4. thyroiditis
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13. The concept in which a beneficiary has a substantial financial stake in the continued life of
an insured is:
1. antiselection
2. present value
3. insurable interest
4. personal insurance
14. The condition caused by gastric secretions backing up into the esophagus is:
1. diverticulitis
2. gastric ulcer
3. gastroesophageal reflux
4. peristalsis
15. The policy rider that allows for future purchases of life insurance without evidence of
insurability is:
1. accidental death benefit
2. waiver of premium
3. accelerated death benefit
4. guaranteed insurability option
16. When assessing avocation and occupation for life insurance, the primary concern is:
1. residency
2. morbidity
3. overinsurance
4. accidental death
17. Prolonged airplane travel increases the risk of:
1. asthma
2. pulmonary embolism
3. dementia
4. food poisoning
18. A sleep study records all of the following EXCEPT:
1. forced vital capacity (FVC)
2. oxygen saturation
3. respiratory effort
4. body position
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19. Treatments for coronary artery disease include all of the following EXCEPT:
1. angioplasty
2. bypass surgery
3. medical therapy
4. pneumonectomy
20. All of the following statements regarding benign tumors are correct EXCEPT:
1. They usually grow slowly.
2. They rarely metastasize.
3. They have no mortality risk.
4. Their cells show little or no mitotic activity.
21. All of the following are required statutory policy provisions in a life insurance contract
EXCEPT the:
1. entire contract provision.
2. grace period provision
3. ownership provision
4. reinstatement provision
22. All of the following statements regarding underwriting build are correct EXCEPT:
1. Body mass index (BMI) is a precise indication of body fat percentage.
2. A waist-hip ratio of 1.0 or greater indicates increased risk.
3. Height and weight recorded on an insurance exam may vary from the actual
build.
4. The weight reported by a proposed insured may be underestimated.
23. All of the following statements regarding the use of life insurance for charitable gifting are
correct EXCEPT:
1. The charity must be legitimate.
2. A multiple of annual income is used to determine the face amount.
3. The relationship between the insured and the charity must be established.
4. Substandard risks should be underwritten conservatively.
24. All of the following statements regarding type 2 diabetes mellitus are correct EXCEPT:
1. The body’s cells are resistant to insulin.
2. Onset is usually sudden.
3. Many individuals are unaware they have the condition.
4. Symptoms may include increased urination.
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25. All of the following are classes of drugs used to control angina EXCEPT:
1. nitrates
2. beta-blockers
3. statins
4. calcium-channel blockers
26. Complications of high blood pressure can include all of the following EXCEPT:
1. proteinuria
2. cognitive impairment
3. osteoarthritis
4. arterial aneurysm
27. All of the following are admissible immigrant classes in Canada EXCEPT:
1. Family Class
2. Convention Refugees
3. Economic Class
4. Treaty Investors
28. Diabetes treatment options include all of the following EXCEPT:
1. diet
2. insulin injections
3. blood transfusions
4. pancreatic transplant
29. Abnormal growth hormone levels may cause all of the following EXCEPT:
1. dwarfism
2. myxedema
3. acromegaly
4. giantism
30. The adverse effects of alcohol on the central nervous system may include all of the
following EXCEPT:
1. drowsiness
2. slowed reaction time
3. increased concentration
4. decreased night vision
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31. Documents that can be prepared by the producer that help support the need for insurance
include all of the following EXCEPT:
1. insurance application
2. inspection report
3. financial statement
4. cover letter
32. At the time of application, insurable interest must exist among all of the following EXCEPT
the:
1. owner
2. payor
3. insured
4. beneficiary
33. When evaluating the risk of foreign travel, unfavorable factors include all of the following
EXCEPT:
1. travel to major urban areas
2. travel for missionary work
3. travel in the immediate future
4. travel for a long duration
34. All of the following statements regarding the cardiac cycle are correct EXCEPT:
1. It is the sequence of events in one heartbeat.
2. The atria contract to pump blood into the ventricles.
3. Systole is another term for relaxation.
4. The normal cardiac cycle produces two sounds.
35. The formation of urine involves all of the following processes EXCEPT:
1. tubular reabsorption
2. glomerular filtration
3. tubular secretion
4. vitamin D activation
36. All of the following statements regarding last-to-die life insurance products are correct
EXCEPT:
1. They generally allow one life to be uninsurable.
2. They generally have higher premiums than first-to-die products.
3. They are used in the U.S. for estate planning purposes.
4. Their death benefits are paid after the death of the second insured.
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37. An increased probability of malignancy is associated with which of the following types of
thyroid nodules?
A. cold
B. functional
C. hot
Answer Options: 1. A only is correct.
2. C only is correct.
3. B and C only are correct.
4. A, B, and C are correct.
38. Which of the following difficulties can occur when obtaining medical records from other
countries?
A. lack of accuracy in translation
B. time delays
C. incomplete records
Answer Options: 1. A and B only are correct.
2. A and C only are correct.
3. B and C only are correct.
4. A, B, and C are correct.
39. The laboratory tests used to diagnose diabetes include which of the following?
A. oral glucose tolerance test
B. fasting serum creatinine
C. fasting blood glucose test
Answer Options: 1. A only is correct.
2. C only is correct.
3. A and C only are correct.
4. A, B, and C are correct.
40. Which of the following statements regarding dried blood spot (DBS) testing is/are correct?
A. It is a preferred testing method for samples collected internationally.
B. It may be collected by insurance sales agents.
C. It may be used to test hemoglobin A1c levels.
Answer Options: 1. B only is correct.
2. C only is correct.
3. A and C only are correct.
4. A, B, and C are correct.
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41. A well-designed foreign risk questionnaire includes questions about which of the following?
A. proposed insured's citizenship
B. countries being visited
C. duration of travel
Answer Options: 1. A and B only are correct.
2. A and C only are correct.
3. B and C only are correct.
4. A, B, and C are correct.
42. A pathology report consists of which of the following sections?
A. microscopic details
B. surgical report
C. gross description
Answer Options: 1. A and B only are correct.
2. A and C only are correct.
3. B and C only are correct.
4. A, B, and C are correct.
43. Which of the following statements regarding cancer chemotherapy are correct?
A. It can cause new tumors.
B. It is the primary therapy for metastatic cancer.
C. It is very effective on slow-growing tumors.
Answer Options: 1. A and B only are correct.
2. A and C only are correct.
3. B and C only are correct.
4. A, B, and C are correct.
44. Which of the following disorders may disqualify a pilot from receiving a medical certificate?
A. bipolar disorder
B. substance abuse
C. angina
Answer Options: 1. C only is correct.
2. A and B only are correct.
3. B and C only are correct.
4. A, B, and C are correct.
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45. Chronic hepatitis increases the risk of developing which of the following?
A. fibrosis
B. hepatocellular carcinoma
C. Barrett's esophagus
Answer Options: 1. A only is correct.
2. A and B only are correct.
3. B and C only are correct.
4. A, B, and C are correct.
46. Characteristic features of term life insurance include which of the following?
A. renewability
B. interest sensitivity
C. convertibility
Answer Options: 1. A and B only are correct.
2. A and C only are correct.
3. B and C only are correct.
4. A, B, and C are correct.
47. Which of the following statements regarding connective tissue membranes is/are correct?
A. The perichondrium covers each bone.
B. The deep fascia covers each skeletal muscle.
C. The meninges cover the brain and spinal cord.
Answer Options: 1. A and B only are correct.
2. A and C only are correct.
3. B and C only are correct.
4. A, B, and C are correct.
48. Which of the following statements regarding body chemistry is/are correct?
A. Water is an inorganic chemical.
B. Organic chemicals always contain hydrogen.
C. Carbon is usually not an element in inorganic chemicals.
Answer Options: 1. A and B only are correct.
2. A and C only are correct.
3. B and C only are correct.
4. A, B, and C are correct.
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49. Factors to consider when evaluating the life insurance risk of pilots who fly amateur-built
planes include which of the following?
A. pilot experience
B. materials used to build the plane
C. type of flying
Answer Options: 1. A only is correct.
2. B only is correct.
3. A and B only are correct.
4. A, B, and C are correct.
50. Which of the following statements regarding nephritis are correct?
A. It is an inflammation of the urinary bladder.
B. It is a common complication of untreated cystitis.
C. It can progress to renal failure.
Answer options: 1. A and B only are correct.
2. A and C only are correct.
3. B and C only are correct.
4. A, B, and C are correct.
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