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General Knowledge(GK) (or) General Awareness

Welcome to the General Knowledge Section of Free Time Learning. As we are aware General Knowledge (GK) is a very important area in all the competitive exams held in the country. Nowadays, a good knowledge of general awareness is very important in clearing any competitive and government recruitment examinations.

These General Knowledge Question are very important and usefull to UPSC, IAS/PCS, UPPSC, IBPS, SBI, RBI, SSC, CGL, Railway, APPSC, TSPSC, KPSC, TNPSC, TPSC, UPPSC, MPSC, RPSC, BPSC, MPPSC, UKPSC, MPSC, and other competitive exams.

1 .
Which of the below tips are useful making a good first impression?
A)
Being open , confident and positive
B)
Presenting yourself appropriately
C)
Being on time always
D)
All of the above

Correct Answer :   All of the above

Published On : June 1, 2021
2 .
Which is a fixed amount for a covered service in the health sector?
A)
Health Insurance
B)
Deductible
C)
Coinsurance
D)
Copay

Correct Answer :   Copay

A copayment or copay is a fixed amount for a covered service, paid by a patient to the insurance company before patient receives service from physician

Published On : June 1, 2021
3 .
A deductible is usually mentioned in
A)
Rupee
B)
Dollar
C)
Euro
D)
Any currency

Correct Answer :   Dollar

A deductible is usually mentioned in Dollar. Often, the deductible on your insurance plan will be a concrete dollar amount, but there are notable exceptions.

Published On : June 1, 2021
4 .
Number of cases which gets accepted by the underwriting under Non-medical are
A)
Small
B)
Large
C)
Very small
D)
Not significant

Correct Answer :   Large

Published On : June 1, 2021
5 .
What is lien?
A)
An underwriting decision where decreased death benefit would be payable
B)
A decision which does not alter the death benefit
C)
An underwriting decision where increased death benefit would be payable
D)
None of the above

Correct Answer :   An underwriting decision where decreased death benefit would be payable

A lien is a legal right granted by the owner of property, by a law or otherwise acquired by a creditor. A lien serves to guarantee an underlying obligation, such as the repayment of a loan. If the underlying obligation is not satisfied, the creditor may be able to seize the asset that is the subject of the lien. A lien is an underwriting decision where decreased death benefit would be payable

Published On : June 1, 2021
6 .
The medical opinion could be taken from
A)
Medical Practitioner
B)
Any Doctor
C)
Medical Referee
D)
Medical Consultant

Correct Answer :   Medical Referee

The medical opinion could be taken from Medical Referee. The role of a medical referee is to scrutinise specific information on the circumstances leading to death

Published On : June 1, 2021
7 .
If a life has an anticipated mortality significantly lower than standard lives and could be charged lower premium the life is a
A)
Preferred risks
B)
Declined risk
C)
Standard life
D)
Sub-standard life

Correct Answer :   Preferred risks

If a life has an anticipated mortality significantly lower than standard lives and could be charged lower premium the life is a Preferred risks. A preferred risk is a policyholder who is considered significantly less likely to file claims.

Published On : June 1, 2021
8 .
The surplus in an insurance company is a function of
A)
How liability is valued
B)
How Assets & Liabilities are valued
C)
How Asset is valued
D)
None of the above

Correct Answer :   How Assets & Liabilities are valued

The surplus in an insurance company is a function of how Assets & Liabilities are valued. Surplus is also known as net worth or the difference between the market value of assets and the present value of the liabilities and their relationship

Published On : June 1, 2021
9 .
If Liabilities are undervalued it would result in
A)
Neither more nor less surplus
B)
More or less surplus
C)
Less surplus
D)
More surplus

Correct Answer :   More surplus

Published On : June 1, 2021
10 .
Variable Life Insurance is a kind of _________ Insurance.
A)
Money back
B)
Whole life
C)
Endowment
D)
Term

Correct Answer :   Whole life

Variable Life Insurance is a kind of Whole life Insurance. Variable life insurance is a permanent life insurance policy with an investment component. The policy has a cash value account, which is invested in a number of sub-accounts available in the policy. A sub-account acts similar to a mutual fund, except it's only available within a variable life insurance policy.

Published On : June 1, 2021