Life insurance underwriting — assessing mortality and morbidity risk, medical and financial underwriting, and rating decisions.
These are 5 of the 240 IC-22 questions in Certena, taken from across the paper. Every answer key has been checked against a source — a printed answer key, a textbook extract, or arithmetic — not guessed. Reveal the answer and the explanation below each question. No sign-up needed.
Answer: E. None of the above
The thyroid is a small gland shaped like a butterfly that sits in the lower part of our neck in front of our windpipe. The function of the gland is to produce hormones. The main hormones released by the gland are thyroxine (T4) and triiodothyronine (T3).
Answer: E. None of the above
Ketoacidosis is a serious metabolic complication, most classically diabetic ketoacidosis, and none of the specific claims in options (a), (b), or (c) accurately describe it — it results from a lack of insulin causing excess ketone production (not a lack of ketones), and it is not primarily a hypertension or nervous-system-related condition. Hence "none of the above" is the correct choice.
Answer: B. This is due to development of multiple nodules in the thyroid gland
Toxic multinodular goiter occurs due to the development of multiple nodules within the thyroid gland, which can become independently overactive and lead to excess hormone production. This distinguishes it from simple inflammatory causes of hypothyroidism, since toxic multinodular goiter is more associated with hormone overproduction than under-activity.
Answer: A. Consider as health risk
Asthma is a pre-existing health condition, so the additional risk from frequent high-altitude travel for an asthmatic individual is assessed primarily as a health risk rather than purely a travel or residential risk, since the underlying medical condition is what drives the mortality/morbidity concern.
Answer: D. SGOT
The medical test “AST”, which stands for Aspartate Aminotransferase, is also known as Serum Glutamic Oxaloacetic Transaminase (SGOT). This test is commonly used to help diagnose liver damage or disease.
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