PCE Sample Questions - SET 3 (ENG)

PCE Sample Questions (Eng) Set 3
SET 3 : PCE SAMPLE QUESTIONS 1. Which Act is introduced for the purpose of regulating the conduct of the insurance business in Malaysia? A. The Insurance Act 1965 C. The Company Act 1965 B. The Insurance Act 1996 D. The Company Act 1963
2. Proceeds from a personal life insurance policy are __________. A. Not taxable C. Deductible B. Taxable D. Chargeable
3. Which of the following is not a stage in The Consumer Buying Decision process? A. Problem recognition C. Post purchase evaluation B. Information search D. Sales maximization
4. Generally, the policy owner will get _________________ upon the maturity of their policy. A. Sum assured plus cash bonus C. To increase the sum assured B. Convert to life policy D. Cash
5. The contribution condition states that, ___________. A. The insured cannot receive more than the actual amount of his loss. B. Where there are two or more policies covering one loss, the insured must claim from all the policies. C. The insured cannot recover from any other insurers except from his own insurer. D. The insured must bear the first RMX of each and every loss. 6. How can risk be classified? A. B. C. D. Pure & Fund Risk Speculative & Particular Risk Pure & Complex Risk Fundamental & Particular Risk / Pure & Speculative Risk
7. Insurance deals with fortuitous losses which are: A. B. C. D. Accidental losses All losses Physical hazards Risks, the severity/frequency of which is within the control of the insured person
8. Which of the following is NOT a duty of an agent? A. B. C. D. To exercise care & skills. To perform his duty in a professional manner. Not to disclose confidential information obtained during the course of his duties as an agent. To make secret profits from any party with whom he deals on behalf of the principal.
Zurich confidential or proprietary information Prepared by: Agency Training & Development
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9. The term twisting, as applied to health insurance refer to a/an: A. B. C. D. Policy holder refusing a policy but accepting a similar policy with another company. Agent misrepresentation facts to induce an insured to replace a policy. Agent sharing a commission with the insured as an inducement to buy a policy. Agent providing interim coverage between the application and the policy issue date.
10. There is a special form of bonus which is only payable when the policy becomes a claim after a stipulated period. This bonus is _______________. A. Maturity / Terminal C. Special B. Interim D. Simple
11. Which of the following is not subject to the Income Tax Act 1967? A. B. C. D. Employment Income Dividends Rents Maturity proceeds from a life insurance policy
12. Which of the following are the rights of an AGENT? I. II. III. IV. To receive payment for his services. Entitle to reimbursement of money which he has spent with the consent of his principal. To perform his duties in the manner which he consider being appropriate. To delegate his duties to a sub-agent without approval. B. II & IV only D. All of the above
A. II only C. I, II & III only
13. In measuring morbidity, which of the following elements must be considered? I. Frequency II. Consistency III. Severity A. III only C. I & III only B. I & II only D. II & III only
14. A suitable table of health insurance premium rate meets all the following condition, EXCEPT: A. Low loss ratio C. Reasonableness in relocation to benefits B. Equity among policy holders D. Adequacy of premium
15. Typically, before an insurer will pay for Pre-Admission testing charges, the following criteria must be met: A. B. C. D. The pre-admission testing performed is for routine physical purposes. Hospital admission must occur within 72 hours after the completion of the testing. Expenses and not be covered if the patient as hospital in-patient. Procedures must be ordered by the same physicians who ordered the confinement.
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16. Miscellaneous hospital charges might be questioned as to their reasonableness, __________. A. B. C. D. When the confinement does not appear to bear a reasonable relationship to the diagnosis. If any corrective surgery is contemplated. When the confinement exceeds 30 days. When the confinement is the result of a sickness rather than an injury.
17. The term Marketing refer to the __________________. A. B. C. D. Selling of intangibles products Buying of an intangibles products Strategy for the firms business development Methods of communication with the marketing manager
18. If an act which is not within his authority is performed by an agent, and the principal agrees to accept the same as having been done on his behalf, it is known as ___________. A. Acceptance C. Authorization B. Ratification D. Assignment
19. What is the insureds consideration for an insurance contract to be effective? A. Payment of premium C. Promise to pay B. Signature on the proposal form D. Deposit
20. Under current Malaysian Tax regulations, a deduction up to a max of RM3000 in premium paid for education, _______________ is allowable. A. Or life insurance C. Health or life insurance B. Or medical insurance D. Health or Personal Accident insurance
21. What are the categories of health insurance policies: A. Indemnity and overall annual limit policy C. Indemnity and benefit policy B. Benefits and life time limit policies D. Life time and overall annual limit policies
22. Nathan was hospitalized for 3 days in a private hospital this year. The hospital bill amount to RM3000. This is his first claim on his hospital and surgical insurance policy this year. Given that the policy has an annual deduction of RM1000, a co-payment requirement of 20%, and assuming that the whole hospital bill is eligible for insurance reimbursement, how much will the hospital & surgical insurance policy reimburse to Nathan? A. RM2000 C. RM1600 B. RM1800 D. RM1400
23. Which section in the policy form introduces the parties to the contract and states that the proposer has submitted an application for insurance including statements on health of the insured person, first premium paid and agreement for subsequent premium payment as the fall due? A. The schedule C. The proviso B. Attestation D. The preamble
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24. Which statement best describe Decreasing Extra Mortality. A. B. C. D. The types of extra risk that will remain constant from year to year. The types of policy arrangement that provide an acceptable solution. The types of risk which is present at the younger ages but will lessen in later life. The types of risk that decreasing within duration and become more potent factor in failure to survive.
25. Factors that influence mortality are: I. II. III. IV. Ethnicity Marital status Age Foreign residence B. II & III only D. All of the above
A. I & III only C. I, II & III only
26. Which plans are generally in use as non forfeiture provision? I. II. III. IV. Policy Loans Automatic Premium Loan Extended Term Assurance Paid-up Policy B. I, II, & IV only D. All of the above
A. I, II & III only C. II, III & IV only
27. 2 main types of children policies are ________________ and _______________. A. B. C. D. Protected Educational Policies, Anticipated Endowment Policies Protected Educational Policies, Children Deferred Assurance Protected Educational Assurance, Children Deferred Policies Children Deferred Policies, Anticipated Endowment Policies
28. _____________ is often referred as economic death. A. Premature death C. Temporary disability B. Retirement D. Permanent disability
29. Subrogation is one of the principles of insurance. It is crucial because, ________________. A. B. C. D. It prevents the insured from making profit out of his loss. It helps the insured to claim from the third party. It helps the insured to recover his loss. It prevents the third party from making profit of their loss.
30. The definition of Material fact is ___________________. A. B. C. D. A fact which will influence a prudent underwriter in deciding whether to accept the risk. A fact which was known by the insurer after negotiation. A fact which was known by both the insurer and the insured. All of the above.
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Appointed as a proxy to attend annual Meeting of a company on behalf of the shareholder Appointed to do specific act or transaction
31. Characteristics described above refer to _____________. A. Agency C. Special Agent B. General Agent D. Universal Agent
32. An insurance contract is a legally binding agreement between an insured and his insurer. As in other commercial agreements, certain essential requirements have to be satisfied before the insurance agreements can be legally binding. Offer and Acceptance is one of the essential legal requirements in Insurance Contract. Which statements are correct concerning Offer and Acceptance? I. Offer is usually made by a proposer when he submitting a completed and signed proposal form to an insurer or his agent and the insurer may accept the proposal after accessing the proposed risk. II. The offer and acceptance must be voluntary III. When the proposer disagrees on the original term, the insurer may offer to provide insurance on different terms and it is called Counter-offer. IV. The acceptance can be made by the proposer or the insurer. A. I, II & III only C. I, III & IV only B. II, III & IV only D. I, II & IV only
33. Risk of proper damage from earthquake, flood and typhoon is classified under: A. Fundamental Risk C. Speculative Risk B. Particular Risk D. Social Risk
34. The two most common expense participation methods found in major medical expenses insurance policies are: A. deductibles and co-insurance B. co-insurance and co-payment C. co-payment and deductibles D. cashless and reimbursement 35. In life insurance, the claim amount is determined at the very beginning of the contract. Such contracts are __________________ contracts. A. Indemnity C. Subrogation B. Aleatory D. Proximate
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36. Which of the following are considered as perils in insurance context? I. II. III. IV. Fire Court Awards Negligence Revenue B. II & IV only D. I, II & IV only
A. I & III only C. III & IV only
37. Agent A was working with Company X. Then later Agent A changed to Company Y and brought his customers to Company Y, what is this called? A. Rebating C. Concealment B. Twisting D. Misrepresenting
38. The charges for covering the cost of mortality alone is called ___________ and when the charge is computed after taking account the elements of mortality and interest, it is called _____________. A. True premium, gross premium C. Net premium, risk premium B. Risk premium, net premium D. Gross premium, loading
39. The chance of dying in a year at a specified age is commonly termed as ____________. A. Rate of morbidity C. Rate of interest B. Rate of mortality D. Rate of surviving
40. Below are the criteria for a cashless Medical and Health Insurance EXCEPT: A. B. C. D. Hospital deposit may be waived. Insured are not required to pay anything. Letter of guarantee will be issued upon admittance to a panel hospital. All eligible expenses will be taken care of by the insurer.
41. .Mr. & Mrs. Chong both aged 70 and 60 respectively received income payment from Annuity Company. The income will be paid as long as either one annuitant is alive. The income payment shall cease upon death of the last annuitant. What type of annuity contract has the couple acquired? A. Deferred annuity C. Last survivor annuity B. Single life annuity D. Joint life annuity
42. Mr. Lim purchased a non- par whole life policy with RM 20,000 BSA and attached with an Accidental Death Benefit Rider (RM 20,000 BSA). Mr. Lim met with an accident and pass away but later prove that it happened due to drunk. How much compensation can his beneficiary get? A. RM 20,000 C. RM 60,000 B. RM 40,000 D. RM 80,000
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43. There are various ways in which the policyholders share of surplus is distributed. Some of the methods are : I. II. III. IV. Guaranteed Bonus Interim Bonus Simple Reversionary Bonus Compound Reversionary Bonus B. I, II & III only D. All of the above
A. I, II & IV only C. II, III & IV only
44. Which of the following documents are generally acceptable as proof of age by life offices in Malaysia? A. B. C. D. Certified extract from Baptism Register. School leaving certificate from a Government or Government aided school. Identity Card issued by the Malaysian Government. All of the above.
45. Family Takaful benefits shall be paid to participant depending on _____________. I II III IV The death of the participant before the term of the takaful plan The termination of the contract by the participant The permanent total disability experienced by the participant The survival of the participant to the end of the term of the takaful plan B. II, III & IV only D. All of the above
A. I, II & III only C. I, II & IV only
46. The cooling off period for a life policy is ________. A. 15 days C. 28 days B. 20 days D. 30 days
47. Which of the following is the evidence of premium payment for the policyholder? A. Official receipt C. Premium notice Age (nearest birthday) 28 B. Proposal form D. Acknowledgement form Premium per RM 1000 Sum Assured 60.25
29 61.80 30 63.00 31 64.10 32 64.85 33 65.95 Table 1: Premium Rates for Male Live on 10-Year Endowment Policy Name Date of Birth Policy Commencement Policy Sum Assured
: En. Fatul Hakim Abdullah : 6 March 1975 : 29 May 2003 : RM 100,000.00

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48. Based on the above table, what is the premium per annum paid by En. Fatul? A. RM 6,025.00 C. RM 6,300.00 B. RM 6, 180.00 D. RM 6,410.00
49. Which of the following are NOT the secondary functions of insurance? I. II. III. IV. Cost stability Source of capital Stimulates business enterprise Reduction of loss B. I, II & IV only D. None of the above
50. Mary had bought a 5-year term plan. She decided to pay the premium on 1st of January of every year. However, she had faced some personal financial problem in 4th year and she paid the premium on 4th February in the said year. In the above-mentioned case, Marys insurance contract is considered as ________. A. Lapsed C. Illegal B. Automatic Premium Loan D. Effected
51. A manufacturer who is worried about product liability lawsuit arising from one of his products can avoid it by not manufacturing that product. This called ________. A. Loss prevention C. Risk transfer 52. Which of the following is not true? A. B. C. D. Insurance in concerned only with pure risks. Characteristic of insurable risk is that the loss must be fortuitous. Insurable risks should involve losses that are capable of being financially measured. For a risk to be insurable, the loss should be so catastrophic in nature. B. Risk avoidance D. Risk retention
53. Risks that are insurable must fulfill certain characteristics. The main characteristics are: I. II. III. IV. financial value large number of similar risks catastrophic losses reasonable premium B. I, III & IV only D. All of the above
A. I & II only C. I, II & IV only
54. The principle of ________ requires the insurer to restore the insured to the same financial position as he had enjoyed immediately before the loss. A. Subrogation C. Indemnity B. Contribution D. Proximate cause
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55. Which of the following are true about aspects of Takaful operation? I. Participants of Takaful plans make contributions that will be accumulated in the Takaful Fund that may be invested in areas acceptable to Syariah. II. Profit sharing follows the principle of mudharabah. III. Takaful business is not a contractual transfer of risk. IV. The Takaful Company does not assume the risk. A. I, II & III only C. II, III & IV only B. I, III & IV only D. All of the above
56. Which of the following responsible for the registration of life insurance agents in Malaysia? A. PIAM C. NAMLIA 57. Which of the following is not an intermediary? A. Life agent C. General agent B. Reinsurer D. Insurance broker B. AMLA D. LIAM
58. Premium for individual medical and health insurance policies are usually A. age banded and increase with age B. age specified and decrease with age C. age banded and decrease with age D. age specified and increase with age 59. Which of the following are the roles of an insurance agent? I. II. III. IV. Bring financial relief to aggrieved dependants in insured people. Inculcate the discipline of saving amongst the working population. Bring profit in the event of property loss. Provide other forms of insurance related services to the public. B. I, II & III only D. All of the above
A. I, II & IV only C. II, III & IV only 60. The following statements are true EXCEPT:
A. In marine insurance the insured needs only to have insurable interest at the time of loss occurs to be able to enter into a valid contract. B. For general insurance contracts, insurable interest must exist at the beginning and at the time of loss. C. For life insurance contracts, insurable interest must exist at the beginning only. D. With respect to life and personal accident insurance, a person has limited insurable interest in his own life and limbs. 61. Stated below are the basic rights of consumers according to the International Consumer Movement EXCEPT: A. Right to information C. Right to claim B. Right to choose D. Right to redress
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62. Self regulation has to be introduced by the insurance industry with the objective to: I. II. III. IV. Instill discipline and promote healthy competition in the industry. Provide some element of protection to insurance consumers. To undertake research in the fields of insurance and other related subjects. Preparation and submission of annual accounts and the accompanying statements. B. II & III only D. II & IV only
A. I & II only C. I & III only
63. For general insurance business, the main associations are: I. II. III. IV. PIAM IBAM AMLA LIAM B. I & IV only D. I, III & IV only
A. I & II only C. I, II & III only
64. Stated below are the legal requirements of insurance contract EXCEPT: A. Offer and acceptance C. Utmost Good Faith B. Consideration D. Intention To Create Legal Relationship
65. Every agents falls into one of the following, EXCEPT: A. Special agent C. Universal agent B. General agent D. Underwriting agent
66. Some of the duties imposed on an agent in addition to his express contractual obligations are provided as follows EXCEPT: A. B. C. D. To render accounts to the principal as required. Not to let his own interest conflict with his obligations to the principal. To delegate his duties to a sub-agent without authority express or implied. To comply with his principals instructions and to notify him when compliance becomes impossible.
67. Mortality and morbidity rates generally increase with A. the age of the population B. the increase in income of the population C. the length of period required to recuperate from any injury D. economic downturn 68. The relationship of insurer and insurance agent may be created in the following ways: I. II. III. IV. By implied appointment By implication of the law By subsequent ratification of an authorized act By statute B. II, III & IV only D. All of the above
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A. I, II & III only C. I, III & IV only

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69. Function of the Marketing Department are: I. II. III. IV. Planning and controlling Product Development Pricing Promotion B. II, III & IV only D. All of the above
A. I, II & III only C. I, III & IV only
70. There are _______ stages in the consumer buying decision process. A. Three C. Five B. Four D. Six
71. The long-term nature of the contract requires the insurer to adopt a cautious view of the many factors that enter into the premium rate calculations. Principals amongst these factors are the following: I. II. III. IV. Mortality Expenses Rate of investment returns Tax B. I, II & IV only D. All of the above
A. I, II, III only C. I, III & IV only
72. To have _______, the purchaser of a life insurance policy must stand to suffer a financial loss on the death of the person on whose life the life insurance policy has been bought. A. Insurable Interest C. Material Interest B. Monetary Interest D. All of the above
73. The risks covered by life insurance can be grouped under the following: I. II. III. IV. Premature Death Permanent/Temporary disability Retirement benefits Financial Guarantees B. I, II & IV only D. All of the above
A. I, II, III only C. I, III, IV only
74. Which of the following statement is TRUE about participating contracts? A. B. C. D. Participating contracts are mainly for protection purpose. The benefit is generally made up of guaranteed benefit, regular bonuses and a final bonus. The main benefit is generally guaranteed. These contracts are often simple and easily compared, which means competition on premium rates is keen.
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75. _______ policy provide not only the payment of the face value of the policy upon the death of the life assured during a fixed term of years, but also the payment of the full face amount at the end of the said term if the life assured is living. A. Whole Life C. Endowment B. Term D. Annuity
76. Which of the followings are family takaful benefits? I. II. III. IV. Death benefit Disability Benefit Maturity Benefit Surrender Value B. II, III & IV only D. All of the above
77. Which of the following plans are generally in use as non-forfeiture provisions? I. II. III. IV. Automatic Premium Loan Paid Up Policy Extended Term Insurance Policy Loans B. I, II & IV only D. All of the above
A. I, II, III only C. II, III, IV only
78. The insurer cannot deny liability on a policy after two years of its issue on the grounds of misrepresentation or non-disclosure alone unless he can prove that such misrepresentation or non-disclosure was made fraudulently by the insured. The statement refer to: A. Suicide Clause C. Reinstatement Clause B. Incontestability Clause D. Paid-up Clause
79. Which of the following documents are generally acceptable as proof of age by life offices in Malaysia? I. II. III. IV. International Passport Certified extract from Baptism Register School leaving certificate from Government or Government aided school Extract from service record of Government, Semi Government, Public Sector undertakings and reputed commercial firms. B. I, II & IV only D. All of the above
80. Select the various factors which influence mortality: I. II. III. IV. Ethnicity Social Status Age Occupation B. II, III & IV only D. All of the above
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A. I, II, III only C. III and IV only

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81. To deal with sub-standard lives, the insurer usually employs any one of the following method: I. II. III. IV. Increasing Premium Decreasing Death Benefit Alternative Policy Plan Bonus Adjustment B. I, II & III only D. II, III & IV only
A. All of the above C. I, III, IV only
82. Under financial underwriting, the proposal form will be scrutinized to look for the following: I. II. III. IV. The existence of insurable interest Whether the amount of insurance applied for is commensurable with the financial standing Whether the insured maintains multiple insurance policies with other insurers Whether other insurers have turned down the proposers application for insurance coverage B. I, III & IV only D. All of the above
83. When the premium charge is computed after taking into account the elements of mortality and interest, it is called the _________________. A. Pure Premium C. Risk Premium B. Net Premium D. Gross Premium
84. In calculating the tabular (gross) premiums for non-participating policies, the elements normally taken into account are the following, except: A. Mortality C. Expenses B. Interest D. Bonus loading
85. Under this type of regular premiums, the premium payments cease on death and no deduction is made from the claim amount. A. True premiums C. Periodical premiums B. Installment premiums D. Regular premiums
86. In a proposal form, the following information are normally required: I. II. III. IV. Personal particular Details of insurance Personal and family history Occupation, residence, travel and hazardous pursuits B. I, III & IV only D. All of the above
A. I, II & IV only C. I, II & IIII only
87. When any adverse history of applicants health is revealed, what types of document will an insurer normally required? A. Medical report C. Attending physicians report
B. Agents report D. Proposal form

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88. The section of policy which is signed by certain officers of the company authorized to do so is: A. The Proviso C. The Preamble B. The Schedule D. The Attestation
89. Endorsements of an insurance policy can be done at ___________. A. Time of issue of the policy C. Before issue of the policy B. After issue of the policy D. A and B
90. Section 161 of Insurance Act 1996 provides that a claim upon the death of policy owner must be paid within how many days upon receipt of intimation of the claim? A. 30 days C. 15 days B. 45 days D. 60 days
91. Under Section 169 of Insurance Act 1996, the payment of claim can proceed to the proper claimant without letters of probate or administration. Insurance may pay _________. A. B. C. D. The full amount if the proceed do not exceed RM10,000. The full amount if the proceed do not exceed RM100,000. RM10,000 if the policy exceeds RM10,000. None of the above.
92. In the case of endowment insurance, the amount payable in the event the policyholder survives to the end of the term of the contract is called ________. A. Settlement Options C. Probate of will B. Maturity claims D. Annuity
93. If the insurer has doubt in the validity of the documents furnished by the policyholder during any claims, the insurer can _________. A. Carry out an investigation C. Void the policy B. Reject the claim immediately D. None of the above
Age (next birthday) 30 31 32 33 34
Premium per RM1000 Sum Assured 42.80 43.60 44.10 45.20 46.00
Table 1: Premium rates for male lives on 25-year endowment policy For question 94 and 95, please refer Table 1 94. Mr.Lim Date of birth : 20 April 1972 Policy commencement date : 4 April 2004 Policy Sum Assured : RM100,000
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What is the premium per annum paid by Mr. Lim? A. RM4,360.00 C. RM4,520.00 95. B. RM4,410.00 D. RM4,600.00
Ms.Tan Date of birth : 21 January 1970 Policy commencement date : 1 April 2004 Policy Sum Assured : RM100,000 Assuming female lives as 3 years younger, what is the premium per annum paid by Ms. Tan? A. RM4,280.00 C. RM4,410.00 Age (nearest birthday) 28 29 30 31 32 33 B. RM4,360.00 D. RM4,520.00 Premium per RM1000 Sum Assured 60.25 61.80 63.00 64.10 64.85 65.95
Table 2: Premium rates for male lives on 10-year endowment policy For question 96, please refer Table 2 96. Encik Abdullah Salim Date of birth : 6 March 1975 Policy Commencement date : 29 May 2003 Polcy Sum Assured : RM100,000 What is the premium per annum paid by Encik Abdullah? A. RM6,025.00 C. RM6,300.00 B. RM6,180.00 D. RM6,410.00
97. What are the elements used in the principal of Actuarial Valuation of a life office? I. II. III. IV. Distribution of Surplus Interest Valuation of Liabilities Valuation of Assets B. I & III only D. All of the above
A. I, III & IV only C. III & IV only
98. The followings are the characteristics of Maturity/Terminal Bonus: I. II. III. IV. It is only payable during maturity or death claims. Once it is declared on each valuation, it is only valid for the period up to the next valuation. It is a proportion of the sum assured. It is guaranteed and is strictly for non-participating policies. B. III & IV only D. I & II only
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A. I, II & III only C. II & III only

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99. The term life insurance used in the Code of Ethics and Conduct covers the following types of insurance, EXCEPT: I. II. III. IV. Annuities Pension Contracts Home-service Permanent Health Insurance B. III only D. None of the above
A. II & III only C. III & IV only
100. Who is responsible to monitor the compliance of life insurance intermediaries? A. Audit/Disciplinary Committee C. Policy holders B. Bank Negara Malaysia D. Insurance agents
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ANSWERS
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25
B A D A B D A D A A D C C D A A C B A B D A D C D
26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50
C B D A A D D A C B A B B B B C A D D C A A A D A
51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75
B D C C D D B A A D C A C C D C A B D C D A D B C
76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
C A B D D A D B D A D C D D D B B A B C A C D D A
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PCE Sample Questions - SET 3 (ENG)

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PCE Sample Questions - SET 3 (ENG)

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PCE Sample Questions (Eng) Set 3

Version: Jan 2013

PCE Sample Questions (Eng) Set 3

A. II only C. I, II & III only

Version: Jan 2013

PCE Sample Questions (Eng) Set 3

Version: Jan 2013

PCE Sample Questions (Eng) Set 3

A. I & III only C. I, II & III only

A. I, II & III only C. II, III & IV only

Version: Jan 2013

PCE Sample Questions (Eng) Set 3

Version: Jan 2013

PCE Sample Questions (Eng) Set 3

A. I & III only C. III & IV only

Version: Jan 2013

PCE Sample Questions (Eng) Set 3

A. I, II & IV only C. II, III & IV only

A. I, II & III only C. I, II & IV only

: En. Fatul Hakim Abdullah : 6 March 1975 : 29 May 2003 : RM 100,000.00

PCE Sample Questions (Eng) Set 3

A. I, II & III only C. II, III & IV only

A. I & II only C. I, II & IV only

Version: Jan 2013

PCE Sample Questions (Eng) Set 3

Version: Jan 2013

PCE Sample Questions (Eng) Set 3

A. I & II only C. I & III only

A. I & II only C. I, II & III only

A. I, II & III only C. I, III & IV only

PCE Sample Questions (Eng) Set 3

A. I, II & III only C. I, III & IV only

A. I, II, III only C. I, III & IV only

A. I, II, III only C. I, III, IV only

Version: Jan 2013

PCE Sample Questions (Eng) Set 3

A. I, II, III only C. I, III, IV only

A. I, II, III only C. II, III, IV only

A. I, II, III only C. I, III, IV only

A. I, II, III only C. III and IV only

PCE Sample Questions (Eng) Set 3

A. All of the above C. I, III, IV only

A. I, II & III only C. II, III & IV only

A. I, II & IV only C. I, II & IIII only

B. Agents report D. Proposal form

PCE Sample Questions (Eng) Set 3

Age (next birthday) 30 31 32 33 34

Version: Jan 2013

PCE Sample Questions (Eng) Set 3

A. I, III & IV only C. III & IV only

A. I, II & III only C. II & III only

PCE Sample Questions (Eng) Set 3

A. II & III only C. III & IV only

Version: Jan 2013

PCE Sample Questions (Eng) Set 3

Version: Jan 2013

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