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1-Insurance is meant to Prevent specified events Prevent damage to assets from specified events Compensate for losses from

rom specified events * Rebuild the assets lost because of specified events 2- Insurance benefits replace All physical losses, in full All physical losses, partly All monetary losses, in full The monetary losses, but only to some extent * 3-The amount of insurance depends on The peril The risk Neither the peril nor the risk Both the peril and the risk * 4-Insurance works on the principle of Sharing Probabilities Large numbers All of the above * 5-Insurance works on the principle of Trust Sharing Randomness All of the above * 6-Micro insurance can be transacted by Life insurers only Non-life insurers only Both life and non-life insurers * Only by specially created insurers 7-A human being Is an economic asset Is an income earning asset Is a perishable asset All the above * 8- An insurer, as a trustee, has to ensure that The life fund is safe The life fund earns the maximum interest Both of the above * Neither of the above 9-The probability of 50% for an event happening means that the event Will happen regularly every alternate occasion Will happen 50% of the time over a very large number of trials Will never exceed 50%, however large be the attempts made

Will become closer to 50% as the attempts increase * 10 - Which one of these principles does not apply in the case of a life insurance contract? The principle of indemnity * The principle of good faith The principle of insurable interest The principle of large numbers 11-Insurance benefits Individuals The country The society All the three * 12-State which of the following statements is correct Perils are avoidable Perils are not avoidable * Both the above statements are correct Both the above statements are wrong Chapter-2 13-Which one of the following statements is correct? The principle of utmost good faith applies only to life insurance The principle of utmost good faith applies only to non-medical cases The principle of utmost good faith is operative only for two years All the above statements are incorrect * 14-The principle of utmost good faith does not apply to Facts of common knowledge Facts of law Facts which are not material for underwriting All the three kinds of facts mentioned above * 15-A life insurance policy becomes invalid if There is a change in occupation after the policy has commenced If the policyholder changes his residence to another country The statements in the proposal are found to be substantially wrong * The insured person becomes sick after issue of policy. . 16-Which of the following risks are insurable? Speculative Economic * Sure to happen All of the above 17-Insurable interest is Defined in the Insurance Act Defined in the Contracts Act Defined by the IRDA Not defined in any written law * 18-In the case of life insurance, insurable interest should exist

At the inception of the policy * At the time of a claim At the time of every renewal premium payment All the above occasions . 19-Retention of risk may be done conveniently by Large corporations * Small companies Single individuals None of the three 20-In the case of life insurance, the risks Can be avoided Cannot be avoided * Are avoidable through medical science Are avoidable through proper food habits 21-Which is the right time for taking life insurance? When you are about to get married Soon after you have got married Just when you are joined a new job All the three times are right * Chapter-3 . 22-Which one of the following statements is correct? The premium is the price paid by the policyholder to secure insurance The amount of premium varies according to the insurance plan Both the above statements are correct * Both the above statements are wrong 23-Which one of the following statements is correct? The sum of all the premiums paid will be equal to the Sum Assured The sum of all the premiums paid will be more than the Sum Assured Both the above statements are correct Both the above statements are wrong * 24-Which one of the following statements is incorrect? The premium depends on the age of the policyholder * The premium depends on the age of the insured person The premium depends on the health of the insured person The premium depends on the occupation of the insured person 25-What does a premium depend upon? Age of the person to be insured Family history of the person to be insured Medical history of the person to be insured All of the above * 26-Which one of the following statements is correct? The rate of premium charged can be less than the tabular rates The rate of premium can be more than the tabular rates * Both the above statements are correct

Both the above statements are wrong .27- Which one of the following statements is correct? The premium collected in the early years is less than what is required The premium collected in the early years is more than what is required * The premium collected in any year is exactly what is required All the above statements are correct 28-The net premium will be Less than the risk premium * More than the risk premium Calculated by adding expenses to the risk premium More than the pure premium 29-The practice of charging level premiums Makes it convenient to the policyholder Reduces the likelihood of lapses Adds to the reserves of the insurer Has all the above benefits * 30-Which one of the following statements is correct? The age next birthday is always higher than the age nearest birthday The age next birthday may be sometimes less than the age nearest birthday Both the above statements are correct Both the above statements are wrong * . 31-The addition to the life fund arises because of the Loading in the premium for bonus The practice of charging level premiums * Not having paid the claims on time All the above reasons 32-The surplus in the life fund represents The profits of the business The excess premium collected by the insurer The dues to the shareholders None of the above * 33-The minimum percentage of the surplus to be set aside for policyholders is Ninety five Ninety * Eightyfive Nil (there is no minimum) 34-A bonus becomes possible because Actual experience is better than expectations The assumptions made in constructing the premium were conservative There is a loading for bonus in the premium Of all the above reasons * CHAPTER-4 . 35-A plan of insurance is said to be different from another if The date of maturity is different

The date of commencement of risk is different The underwriter decides to charge extra premium in one case The conditions when the sum assured becomes payable are different * 36-Which one of the following statements is correct? A whole life plan is basically a term insurance plan * A money back plan is basically a pure endowment plan Both the statements above are correct Both the statements above are wrong 37-Which one of the following statements is correct? The sum assured under some policies increase every year The sum assured under some policies reduce every year Both the statements above are correct * Both the statements above are wrong 38-. Which one of the following statements is correct? In a limited payment policy, the premium is paid as long as the policy is in force. In a limited payment policy, the premium stops before the end of the term * Both the statements above are correct Both the statements above are wrong 39-Which one of the following statements is correct? The educational annuity policy is an annuity policy The educational annuity policy is meant for persons having young children Both the statements above are wrong * Both the statements above are correct 40-Which one of the following statements is correct? A joint life policy may cover partners in business under one policy A joint life policy may cover a married couple under one policy Both the above statements are wrong Both the statements above are correct * 41-Which one of the following statements is true with regard to Childrens policies? They insure minor children * They insure only school going children Both the above statements are correct Both the above statements are wrong 42-Which one of the following statements is true with regard to Childrens policies? The insured child becomes the owner of the policy on vesting date * The insured child becomes the holder of the policy only when it is assigned Both the above statements are wrong Both the above statements are correct 43-Which one of the following statements is true with regard to Childrens policies? The policy vests at age 18 last birthday * The policy vests at age 18 next birthday The policy vests at age 18 nearest birthday All the statements above are correct

44-Which one of the following statements is correct? Industrial assurance is meant only for industrial workers Industrial assurance is meant for people with low incomes * Both the statements above are correct Both the statements above are wrong 45-Who is benefited if a policy is under the salary savings scheme? The policyholder The insurer The agent All the three above * 46-Which one of the following statements is correct? An annuity policy guarantees a pension * An annuity policy is issued only after a medical examination Both the statements above are correct Both the statements above are wrong 47-State which one of the following statements is correct? In group insurance, the proposal is made by the employer * In group insurance proposals are made by each of the insured Both the statements above are correct Both the statements above are wrong 48-State which one of the following statements is correct? In group insurance the premium changes every year * In group insurance the premium is paid by the persons who are covered Both the statements above are correct Both the statements above are wrong .49- State which one of the following statements is correct? The members of a housing society can negotiate for a group insurance policy A sports club can get a group policy for its members Both the statements above are correct * Both the statements above are wrong 50-State which one of the following statements is correct? Group insurance business is growing faster than individual business Group business is socially very relevant Both the statements above are correct * Both the statements above are wrong . 51-In what ways does group insurance differ from salary savings schemes? Number of persons insured under a policy Responsibility of employer Issue of premium receipts In all the above three respects * 52-In what ways does group insurance differ from salary savings schemes? Ownership of the policy Mode of payment of premium Parties to the contract

In all the above three respects * 53-State which one of the following statements is correct? Members of a group will get certificates showing details of cover Profit sharing, in group insurance, is worked on actuarial bases Both the statements above are correct * Both the statements above are wrong 54-Which of the factors below help to avoid adverse selection in group policies? Reputation of the employer Records of the employer No option to choose entry or exit * All the above three factors CHAPTER-5 . 55-What is a proposal? A request for an insurance cover An offer to enter into a contract Both a request and an offer to enter an insurance contract * None of the above 56-Which one of the following statements is correct? A physical hazard affects the probability of death Body measurements may indicate physical hazards Both the statements above are correct * Both the statements above are wrong 57-Moral hazard may be suspected in cases where The life to be insured is old The insurance is for a very large amount In both the above cases * In neither of the above cases 58-Which one of the following statements is correct? A medical referee is an underwriter The medical examination at the stage of the proposal is done by a medical referee Both the statements above are correct Both the statements above are wrong * 59-Which one of the following statements is correct? In some cases, the underwriter consults the reinsurers before deciding * The numerical method of underwriting is the best method Both the statements above are correct Both the statements above are wrong 60-Under the system of non-medical underwriting There is no restriction on age There is no restriction on SA There is restriction on both the SA and age * Only some towns are covered

. 61-Which one of the following statements is correct? Working women are treated on par with men Educated women are treated on par with men Both the statements above are correct * Both the statements above are wrong 62-Which one of the following statements is correct? Smoking is a hazard inviting additional premium Drinking is a hazard inviting additional premium Both the statements above are correct * Both the statements above are wrong 63-Which one of the following statements is correct? Standard life, normal life, average life, all mean the same thing * The underwriter can definitely detect all attempts at adverse selection Both the statements above are correct Both the statements above are wrong CHAPTER-6 64-Which one of the following statements is correct? The policy is the basis of the insurance contract The proposal is the basis of the insurance contract * Both the statements above are correct Both the statements above are wrong 65-Which one of the following statements is correct? The proposal must be signed by a witness * The answers in the proposal form should be written in English Both the statements above are correct Both the statements above are wrong 66-Which one of the following statements is correct? The declaration in the proposal must be signed by the proposer * Anybody can sign the proposal form on behalf of an illiterate proposer Both the statements above are correct Both the statements above are wrong 67-If the proposal form is filled up in a language not known to the proposer The person who filled up the form has to sign a declaration * The agent has to declare that he had explained the questions and answers All further correspondence must be only in that language The life to be insured must be medically examined 68-Which one of the following statements is correct? A copy of the proposal has to be given to the proposer * A copy of the medical report has to be given to the proposer Both the statements above are correct

Both the statements above are wrong

. 69-Which one of the following statements is correct? A copy of the personal statement is to be given to the proposer A copy of the proposal has to be given to the proposer Both the statements above are correct * Both the statements above are wrong . 70-Which of the following are confidential and will not be given to the proposer? The medical report The agents confidential report to the insurer The medical referees advice All of the above * 71-Which one of the following statements is correct? The FPR is proof of commencement of risk * Risk does not commence till the policy is signed Both the statements above are correct Both the statements above are wrong . 72-The FPR is issued when The first premium is adjusted in the office * The first premium is deposited in the office The underwriter makes his decision Consent of the proposer is received 73-Which one of the following statements is correct? In the case of SSS policies, renewal premium receipts are issued In the case of SSS policies, FPRs are issued * Both the statements above are correct Both the statements above are wrong 74-Which one of the following statements is correct? The schedule of the policy will be changed when there is a change in plan The change in terms will be made by endorsements * Both the statements above are correct Both the statements above are wrong 75-Which one of the following statements is correct? The schedule of a policy is not altered after the policy is issued Changes in the terms of the policy are made through endorsements Both the statements above are correct * Both the statements above are wrong 76-Which one of the following statements is correct? FPR is a cash receipt. *

Renewal premium cannot be paid without the renewal notice Both the statements above are correct Both the statements above are wrong CHAPTER-7 77-Which one of the following statements is correct? Age is material information and may affect the terms of underwriting * If age is found to be different, the only effect is on the premium rate Both the statements above are correct Both the statements above are wrong 78-Age is material for underwriting because it affects The amount of premium The decision to call for medical examinations and tests The plan that can be offered All the three factors above * 79-If the monthly premium was due on 24th February in a leap year (Tuesday) The grace period will end on 9th March (Tuesday) The grace period will end on 10th March (Wednesday) * The grace period will end on 11th March (Thursday) The grace period will end on 24th March (Wednesday) 80-Which one of the following statements is correct? Premiums have to be paid by cash or cheque Premium can be paid electronically Both the statements above are correct * Both the statements above are wrong 81-Which one of the following statements is correct? When a policy lapses, the contract comes to an end * When a policy lapses, nothing further is payable under it Both the statements above are correct Both the statements above are wrong 82- Which one of the following is not a non-forfeiture option? Policy becomes paid up Grace period * Automatic advance of premium Payment of surrender value 83-Which one of the following statements is correct? Vested bonus is also reduced along with SA in paid up cases Paid up option is effective from date of first unpaid premium * Both the statements above are correct Both the statements above are wrong 84-Which one of the following statements is correct?

In cases of automatic advance of premium, policies are entitled to bonus Paid up policies are entitled to bonus Both the statements above are correct Both the statements above are wrong

85-Which one of the following statements is correct? In cases of automatic advance of premium, policies are entitled to bonus Paid up policies are entitled to bonus Both the statements above are correct Both the statements above are wrong

. 86-Which one of the following statements is correct? A revival is the opposite of a lapse * The policyholder can, at any time, demand that the lapsed policy be revived Both the statements above are correct Both the statements above are wrong 87-Which one of the following statements is correct? On revival, the relevant SA for underwriting is the original SA On revival, the relevant SA for revival is the original SA less paid up value * Both the statements above are correct Both the statements above are wrong 88-Which one of the following statements is correct? An assignment changes the title to the policy A nomination does not change the title to the policy Both the statements above are correct * Both the statements above are wrong 89-Which one of the following statements is correct? When a nomination is made, the rights to the policy are transferred The assignee immediately becomes the policyholder * Both the statements above are correct Both the statements above are wrong 90-Which one of the following statements is correct? The assignment can be made on a separate paper * The nomination can be made on a separate paper Both the statements above are correct Both the statements above are wrong 91-Which one of the following statements is correct? The nomination becomes invalid when the policy is assigned * The assignee can make a fresh nomination Both the statements above are correct

Both the statements above are wrong . 92-Which one of the following statements is correct? The nomination can only be in favour of one person The nomination can be in favour of more than one person Both the statements above are correct Both the statements above are wrong

93-Which one of the following statements is correct? In the case of many nominees, the claim will be paid to them jointly * In the case of many nominees, the claim will be divided among them Both the statements above are correct Both the statements above are wrong 94-Which one of the following statements is correct? A nomination can be made in favour of an institution * A nomination takes away the rights of the heirs to the insured person Both the statements above are correct Both the statements above are wrong . 95-Which one of the following statements is correct? If the assignee is dead, the claim can be paid to the assignees heirs * An assignee can make a nomination under the policy Both the statements above are correct Both the statements above are wrong . 96-Which one of the following statements is correct? An assignee becomes the policyholder * The nominee becomes the policyholder Both the statements above are correct Both the statements above are wrong 97-Which one of the following statements is correct? Loans are not granted under term assurance policies * Loans are not granted under whole life policies Both the statements above are correct Both the statements above are wrong . 98-When a policy is foreclosed, it benefits The policyholder The insurer Both the policyholder and the insurer Neither the policyholder nor the insurer * 99-Which one of the following statements is correct? A MWP Act policy can be assigned Loans are not granted under MWP Act policies Both the statements above are correct

Both the statements above are wrong

100- If a policy is under the MWP Act, It can be surrendered by the beneficiaries A loan can be taken by the trustees It can be made paid up * It can be assigned 101-Which one of the following statements is correct? The beneficiaries under the MWP Act can be any member of the family A policy can be taken under the MMWP Act for the benefit of parents Both the statements above are correct Both the statements above are wrong * CHAPTER-8 . 102-When does a claim arise under an insurance policy? Whenever the policyholder feels the need for money When the insured events happen * When a premium is not paid Whenever any of the three things mentioned above happen . 103-Which one of the following statements is correct? The insurer makes enquiries in the case of all death claims The insurer makes enquiries only in the case of early claims Both the statements above are correct Both the statements above are wrong

104-Which one of the following statements is correct? Maturity claim cheques are paid to the trustees in a MWP Act case * Maturity claim cheques are paid to the beneficiaries in a MWP Act case Both the statements above are correct Both the statements above are wrong . 105-Which one of the following statements is correct? The death claim is settled in favour of the nominee in MWP Act cases The death claim is settled in favour of the trustee in MWP Act cases * Both the statements above are correct Both the statements above are wrong 106-Which one of the following statements is correct? No claim is paid unless the original policy is surrendered Claim can be paid even without the original policy, if it is lost * Both the statements above are correct Both the statements above are wrong . 107-Before paying a claim, which of the following have to be verified?

Premiums paid till date Balance of loan, if any Title of claimant All the three mentioned above *

108-Before paying a claim, which of the following have to be verified? Age of the life insured * Age of the nominee Age of the assignee, if any All of the above 109-Which one of the following statements is correct? In the case of a missing person, the claim arises from the date he is missing In the case of a missing person, premiums have to be paid till court judgment * Both the statements above are correct Both the statements above are wrong 110-Which one of the following statements is correct? A survival benefit is settled like a maturity claim * A survival benefit is paid to the nominee if the policyholder dies Both the statements above are correct Both the statements above are wrong 111-Which one of the following statements is correct, if trustee is not appointed? A claim under the MWP Act policy will be paid to the official trustee * A claim under the MWP Act policy will be paid to the beneficiaries Both the statements above are correct Both the statements above are wrong . 112-Which one of the following statements is correct? If original policy is lost, duplicate policy is necessary for survival benefits * If original policy is lost, duplicate policy is necessary for maturity payments Both the statements above are correct Both the statements above are wrong 113-Which one of the following statements is correct? A policy reported to be lost, may actually have been assigned A policy has no value after the payment of survival benefits Both the statements above are correct Both the statements above are wrong 114-Why are enquiries made in the case of early claim? To ensure that there is no misstatement of facts To protect the interests of the community of policyholders To protect the interests of the insurers For all the above reasons *

115-If a life insured has died a few days before date of maturity, but after signing discharge form, to whom should the claim be paid?

Nominee * Surviving heirs The policyholders bank account Any of the three above

116- Which one of the following statements is correct? The statement from the employer is required in all death claim cases The coroners report is required in accident cases * Both the statements above are correct Both the statements above are wrong 117-Which of these is not enough to claim policy monies? Succession certificate Probate of will A court decree An agreement between the heirs * 118-Which one of the following statements is correct? A will is valid only after a probate is obtained from a court An insurer can make payment to the nominee without waiting for probate of will Both the statements above are correct * Both the statements above are wrong 119-A missing person will be presumed to be dead only after Three years Five years Seven years * Nine years 120-Which one of the following statements is correct? In the case of missing persons, a court has to order presumption of death * When a person is missing for six years, the insurer can pay the death claim Both the statements above are correct Both the statements above are wrong 121-Which one of the following statements is correct? If a passenger in an air crash is not traced later, the missing person rule applies If a passenger on a ship is missing, the captains statement is proof of death * Both the statements above are correct Both the statements above are wrong .122- In the case of a life insured who is a defence personnel and is missing in action Presumption of death is automatic Presumption of death depends on the certificate of the military unit * Presumption of death depends on the court orders Presumption of death will have to wait for seven years 123-If a claim is made in January 2007 under a policy, which commenced in May 2002, stating that the life insured had died in April 2004,

Section 45 of the Act will not apply The claim can be treated as an early claim Foul play must be suspected All the three statements above are correct * . 124-If a policy is kept alive by advancing premiums from surrender value, The death claim will be the full SA less premiums advanced with interest * The death claim will be the full SA without any deduction The death claim will be the full SA less premiums till the current policy year All the three above are wrong 125-When an investigation is being made in respect of early claims, It should be completed within 45 days It should be completed within 60 days It should be completed within 6 months * There is no time limit for its completion CHAPTER-9 . 126-State which of the following statements is correct ULIPs provide for flexibility * ULIPs are better than traditional policies Both the above statements are correct Both the above statements are wrong 127-State which of the following statements is correct ULIPs cannot be issued as participating policies Loans are not given under ULIPs Both the above statements are correct * Both the above statements are wrong 128-State which of the following statements is correct In ULIPs the premium is invested in a fund decided by the insurer In ULIPs the premium is invested in a fund decided by the policyholder * Both the above statements are correct Both the above statements are wrong 129-State which of the following statements is correct In ULIPs, a policyholder can switch between funds at any time In ULIPs, the premium to be invested in the fund can be increased in any year Both the above statements are correct * Both the above statements are wrong 130-State which of the following statements is correct In ULIPs, the amount payable on death is a fixed amount In ULIPs, the NAV of a fund can be less than purchase price * Both the above statements are correct Both the above statements are wrong

131-State which of the following statements is correct In ULIPs, one can pay additional premium in any year for investment * In ULIPs, if one increases the premium, the SA must also be increased. Both the above statements are correct Both the above statements are wrong 132-State which of the following statements is correct In ULIPs, if the policy is terminated earlier, a charge has to be paid In ULIPs, an administrative charge has to be paid every year Both the above statements are correct Both the above statements are wrong CHAPTER-10 133-Which of the following statements is true? Anybody can become an insurance agent Some people will not be allowed to become insurance agents * Neither of the above statements is true Both the above statements are correct 134-A licence for insurance agency will not be given unless the person Has passed an examination prescribed by the IRDA Is 21 years of age Has undergone training Satisfies all the above conditions * 135-A licence for insurance agency will not be given unless the person Is recommended by an insurer * Is a graduate Is a resident of the town where the insurer has an office Satisfies all the above conditions . 136-Which of these persons will not be given a licence to work as an insurance agent? A person with a criminal record * A corporate insurance executive An employee of an insurance company All the three mentioned above 137-Which of the following statements is correct? An insurance agent has fixed working hours An insurance agent has to mark his attendance in office every day An insurance agent works according to his schedule * An insurance agent cannot do any other work 138-Which of the following statements is true? An insurance agent is paid a salary every month Commissions will stop as soon as an agent reaches 65 years of age

Commissions paid by different insurers are the same Commissions may continue to be paid to the heirs, after the death of the agent *

139-Which of the following statements is not correct? An agent should be able to suggest a total financial package for the prospect An agent should be an expert only with regard to life insurance * An agent should be up-to-date on the tax laws An agent should be aware of the IRDA regulations 140-When a policy lapses, it can be inferred that The agent has not been in touch with the policyholder The agent had not explained the benefits of insurance properly The agent had failed in his duties All of the above * . 141-State which one of the following statements is correct An agents job is to sell life insurance to every person An agents job is to assist in claim settlement * Both the statements above are correct Both the statements above are wrong 142-State which one of the following statements is correct Ethical behaviour leads to improved business and earnings Ethical behaviour is automatic when the policyholders interest are kept in mind Both the statements above are correct * Both the statements above are wrong 143-State which one of the following statements is correct The agent is responsible if there has been suppression of material facts in a case Unethical behaviour affects the reputation of the agent and the insurer Both the statements above are correct * Both the statements above are wrong . 144-The Insurance Act deals with Registration of insurers Investments of insurance funds Licensing of agents All of the above * 145-The Insurance Association is A trade union of insurance employees A voluntary association of insurers to negotiate with the IRDA A body constituted by the IRDA Act None of the above * 146-Which of the following can a policyholder having a dispute with an insurer, approach? IRDA

Ombudsman Consumers redressal forum Any of the above *

147-State which one of the following statements is correct? The Ombudsman sits like a court with witnesses and lawyers The Ombudsman will not hear matters already before other courts * Both the statements above are correct Both the statements above are wrong 148-State which one of the following statements is correct? The Ombudsmans award is binding on all parties The Ombudsman is appointed by the Chief Justice Both the statements above are correct Both the statements above are wrong * 149-Which of the following matters can be referred to the Ombudsman? Dispute on whether a premium had been paid in time or not Dispute on whether the policy should be treated lapsed or not Complaint that the enquiries being made are unjustified and delaying the claim All of the above * 150-State which one of the following statements is correct? The consumer forum can summon witnesses * The Ombudsman can summon witnesses Both the statements above are correct Both the statements above are wrong 151-State which one of the following statements is correct? A rural area is defined in the IRDA Act A rural area is an area outside municipal limits Both the statements above are correct Both the statements above are wrong * 152-State which one of the following statements is correct? A rural area is defined in the Constitution of India Business in the rural areas can be done only by rural agents Both the statements above are correct Both the statements above are wrong * 153-State which one of the following statements is correct? A rural area is defined in the IRDA Act A rural area is defined in the IRDA Regulations * Both the statements above are correct Both the statements above are wrong . 154-State which one of the following statements is correct?

The social sector is the same as the rural sector The social sector is an organised sector Both the statements above are correct Both the statements above are wrong *

155-State which one of the following statements is correct? The social sector is not only in the urban areas The social sector includes the unorganized sector Both the statements above are correct * Both the statements above are wrong 156- State which one of the following statements is correct? A family with 6 children can be given a micro insurance policy Health insurance covers can be provided under micro insurance * Both the statements above are correct Both the statements above are wrong