{"id":32447,"date":"2024-04-15T09:01:48","date_gmt":"2024-04-15T09:01:48","guid":{"rendered":"https:\/\/exam.pscnotes.com\/mcq\/?p=32447"},"modified":"2024-04-15T09:01:48","modified_gmt":"2024-04-15T09:01:48","slug":"amrita-is-pregnant-she-has-applied-for-a-term-insurance-cover-which-of-the-below-option-will-be-the-best-option-to-choose-for-an-underwriter-to-offer-insurance-to-amrita-choose-the-most-likely-opti","status":"publish","type":"post","link":"https:\/\/exam.pscnotes.com\/mcq\/amrita-is-pregnant-she-has-applied-for-a-term-insurance-cover-which-of-the-below-option-will-be-the-best-option-to-choose-for-an-underwriter-to-offer-insurance-to-amrita-choose-the-most-likely-opti\/","title":{"rendered":"Amrita is pregnant. She has applied for a term insurance cover. WHICH of the below option will be the best option to choose for an underwriter to offer insurance to Amrita? Choose the most likely option."},"content":{"rendered":"

[amp_mcq option1=”Acceptance at ordinary” option2=”Acceptance with extra premium” option3=”Decline the proposal” option4=”Acceptance with a restrictive clause” correct=”option4″]<\/p>\n

The correct answer is D. Acceptance with a restrictive clause.<\/p>\n

A restrictive clause is a clause that limits the scope of an insurance policy. In the case of Amrita, the underwriter may accept her application for insurance but with a restrictive clause that states that the policy will not be in effect if she dies as a result of complications from her pregnancy. This would protect the insurance company from having to pay out a claim if Amrita were to die during or shortly after childbirth.<\/p>\n

The other options are not as likely to be chosen by the underwriter. Option A, acceptance at ordinary, is unlikely because pregnant women are considered to be a higher risk for death than non-pregnant women. Option B, acceptance with extra premium, is also unlikely because pregnant women are already at a higher risk for death and the underwriter would not want to increase the risk even further by charging an extra premium. Option C, decline the proposal, is the least likely option because the underwriter would be turning away a potential customer.<\/p>\n

In conclusion, the most likely option for the underwriter to choose is D. Acceptance with a restrictive clause. This would protect the insurance company from having to pay out a claim if Amrita were to die during or shortly after childbirth.<\/p>\n","protected":false},"excerpt":{"rendered":"

[amp_mcq option1=”Acceptance at ordinary” option2=”Acceptance with extra premium” option3=”Decline the proposal” option4=”Acceptance with a restrictive clause” correct=”option4″]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[261],"tags":[],"class_list":["post-32447","post","type-post","status-publish","format-standard","hentry","category-insurance","no-featured-image-padding"],"yoast_head":"\nAmrita is pregnant. She has applied for a term insurance cover. WHICH of the below option will be the best option to choose for an underwriter to offer insurance to Amrita? 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