I.

Job specification

CAREER LIFE OPPORTUNITY with PRUDENTIAL LIFE INSURANCE

Bring your talent and passion to a global company at the forefront of making life better for
people in Asia.

Prudential is one of the world’s leading insurance companies, with more than 26 million
customers world-wide and is headquartered in the United Kingdom. In Asia, we have
operations in 15 countries, offering a wide range of life insurance and saving products.

JOB VACANCY

Position title: Bancassurance staff (Financial Service Consultant)

Division: Prudential, Viet Nam

Report to: HR Manager – Prudential

Location: Ho Chi Minh City, Ha Noi

Job description
 Increase sales

Contact and consult the customers from banks and provide customers with financial solutions and
suitable insurance programs.

 Customer care

Provide support, guideline, and customer care throughout the consultation process.

 Participate in business planning

Contribute ideas and engage in business planning, prepare periodic reports and update business results
to the direct manager.

 Building and maintaining relationships with banks

Work as a connector between Prudential and banks in every business activity.

Job requirements
- Education: College / University

- Experience: having at least 6 months - 1 year of experience in the sales field. Experiencing in Banking/
Finance/ Insurance/ Bancassurance is an advantage.

- Appearance: Good-looking, pretty

- Style: professional, agile

- Skills: communication, consultation, negotiation, and good customer care.

However, if you are confident in your abilities, do not hesitate to apply because at Prudential, we are
proud to be a pioneer in building the most professional training program in the insurance market.

Benefits we offer
 Flexible and attractive income

 Basic salary + allowance: 7,000,000; 11,000,000; 21,000,000 (Depending on work experience)

 Attractive, competitive monthly commission

 Bonus for quarterly target, annual target, cumulative bonus year

 Attractive welfare regime

 Travel opportunities at home and abroad. 

 Training programs and workshops exclusively for the financial advisory team.

 Participate in team building activities every year.

 Clear promotion opportunities

 Aon advanced comprehensive health care system (worth 50,000,000 VND / year)

 Maximum support from both the company and the bank partner

Partner banks: take advantage of quality customer information available from Prudential's Bank
partners

Prudential:  Professional training course, professional improvement of partnership, customer care and

management, market information

Please send your CV and Cover letter and apply directly at Prudential website:
https://www.prudential.com.vn before 20/03/2021

Only qualified candidates will be invited to our Interview

Human Resource Department

Hotline: 1800 1247

Location: Floor 25, Saigon Trade Center Building, 37 Ton Duc Thang, City.  Ho Chi Minh

II. TEST
1. TEST 1

1. What is the minimum amount of insurance that a customer can choose when joining the PRU-FRESH
FUTURE policy?
A. (VND) 60 million VND
B. 50 million VND
C. Depending on customer needs
D. 100 million VND

2. Which of the following statements is true when talking about the transfer of insurance contracts
between insurance enterprises:
A. Transferable insurance contracts will change the premium to suit the insurance profession of the
enterprises.
B. The assigned insurance contract will change the exclusion to suit the insurance of the assignee
C. (D) Rights and obligations under the contract of insurance being transferred unchanged until the
expiration of policy term
D. A, B, C is correct

3. Under the Law on Insurance Business, where an insurance enterprise is not required to indemnify or
pay the premium when an insured event occurs:
A. (D) Must be clearly stated in the insurance contract. and to be clearly explained by the insurance
enterprise to the insurance buyer when entering into the contract.
B. It is not necessary to specify in the insurance contract but to comply with the general internal
principles of the insurance enterprise.
C. There is no need to specify in the insurance policy because the law has specified these cases.
D. There is no need to specify in the insurance contract and apply international practice.

4. Which answer is correct when filling in ______ in the following sentence in turn:
Insurance agent is _____ authorized by the insurer on the basis of an insurance agent contract to
perform insurance agency activities under regulations of _____.
A. Organization, Individual / Insurance Business Law.
B. Organization / Insurance Business Law and other relevant laws.
C. Individual / Insurance business law and other relevant laws.
D. (D) Organizations, individuals / Insurance business law and other relevant laws.

5. According to the Law on insurance business, in personal insurance contract, the insurance buyer can
only buy insurance for the following:
A. The insurance buyers themselves, spouse, child, father, the mother of the insurance buyer.
B. Brother, sister, sister, person in a nurturing and support relationship.
C. Another person, if the policyholder has an insurable interest.
D. (D) A, B, C are correct.

6. Can customers participate in a Term Life BH product without having to participate in the main
product?
A. Not participating
B. To join with insurance sum of less than 500 million
C. Depending on the case
D. (D) To participate.

7. An insurance buyer has the right to:

A. To assign an insurance contract in accordance with the provisions of law.
B. To choose an insurance enterprise operating in Vietnam to purchase insurance.
C. Refusing to provide information about the subject-matter insured at the request of the insurance
enterprise.
D. (D) A, B is correct.

8. Choosing the wrong answer:

A. (D) During the grace period but the policyholder has not paid, if an insured event occurs, such loss is
not within the scope of insurance liability.
B. In the time limit for the extension of premium payment but the purchaser of insurance has not yet
paid, if any loss occurs, such loss is still within the scope of insurance liability.
C. Premium is an amount that the purchaser of insurance must pay to the insurance enterprise by the
time and method agreed by the parties in the insurance contract
D. The premium can be paid in one or many terms. but not exceeding the insurance period.

9. Insurance agents have the right to:

A. Disclose information related to customers
B. (D) Receive agent commissions
C. Use commissions to reduce fees or promotions for customers
D. Advances or lend money to customers to pay fees

10. According to the Law on Insurance Business, which of the following is not required in the insurance
contract:
A. The subject-matter insured, the sum insured, the insured property value in respect of property
insurance, coverage, terms, terms of insurance, exclusions of liability and term of insurance.
B. Premium and payment method, term of indemnity or premium payment, dispute settlement rules.
C. (D) Income of the insurance buyer.
D. Name and address of the insurer, the policyholder, the insured or the beneficiary, date, month and
year of entering into the policy.

11. While the policy of the “Extended Death and Disability Insurance” product policy is in effect, the
insured has suffered multiple accidents and injuries included in the infirmity rate sheet. of this contract,
ask what the benefit of the customer is:
A. The customer is entitled to receive compensation for all injuries in accordance with the rate table
B. (D) The total benefit of the customer received does not exceed over 100% of the product's insurance
amount
C. Customers are only paid one time for the first accident
D. Answers A & C is correct

12. In a life insurance contract, the insurance enterprise does not cover any of the following losses:
A. The insured lives up to the end of the insurance period.
B. (D) The Insured Person dies due to the execution of the death penalty.
C. The Insured Person dies during the Insurance Period.
D. The Insured Person is totally and permanently disabled during the insurance period.

13. For term life insurance products, in case the Insured Person is totally and permanently disabled, how
much is the Insured Amount paid by the Company?
A. 250% Sum Assured
B. (D) 100% Sum Assured
C. 200% Sum Assured
D. 150% Sum Assured

14. According to the provisions of the Law, one of the conditions for an insurance agent to sell universal
life insurance is:
A. (D) At least 03 months of experience working as an insurance agent or having little Having worked in
the fields of finance, banking, insurance for at least 01 year or graduated from a college or higher in the
field of finance, insurance banking
B. Have at least 06 months of experience as an insurance agent. or have at least 02 years working in
finance, banking, insurance or have graduated from university or higher in the field of finance, banking
and insurance
C. Have at least 01 year of experience as an insurance agent or have at least 03 years working in finance,
banking, insurance or have graduated from a graduate degree or higher in the field of finance and
banking. insurance goods
D. A, B, C are wrong

15. The Law on Insurance Business stipulates that the Policyholder pays life insurance premiums in the
following way:
A. One-time payment according to the compulsory regulations of the Insurance Enterprise
B. Pay many times according to the compulsory regulations of the Enterprise. insurance
C. (D) Pay once or for many times according to the term, the method agreed in the insurance policy
D. A, B, C is wrong

16. According to the provisions of the Law, which of the following types of insurance is part of life
insurance:
A. Agricultural insurance
B. Business damage
insurance C. Motor vehicle insurance
D. (D) Insurance pay periodically

17. The maximum commission rate calculated on the premium of individual life insurance policies for
the whole life insurance operation, the method of one-time premium payment is:
A. (D) 10%
B. 7%
C. 5%
D. 15%

18. New policy issue in PRU-FRUIT FUTURE benefit for a period of how many days from the end of the
contract term of PRU-FRESH PRU product if specified. Invalid?
A. 120 days
B. (D) 60 days
C. 90 days
D. 180 days

19. According to the Law on Insurance Business, which of the following subjects must establish a
compulsory reserve fund:
A. (D) Insurance enterprise, insurance brokerage enterprise
B. Insurance enterprise or insurance brokerage enterprise Insurance, insurance agent
C. Insurance broker, insurance agent
D. Insurance enterprise, insurance agent

20. Mr. A participates in the product PRU-FRESH FUTURE with the sum insured of VND 200 million. Two
years later, he unfortunately died in an accident within 180 days of the accident and his contract is
valid. Knowing at the time of this risk, he had 3 children. In this case, how will the company pay?
A. 200 million VND and do not need to continue paying fees. Education benefits are guaranteed to be
paid according to plans and the opportunity to receive Start-up Gifts.
B. (D) 800 million VND and do not need to continue paying fees. Education benefits are guaranteed to be
paid according to plans and the opportunity to receive Start-up Gifts.
C. 600 million VND and do not need to continue paying fees. Education benefits are guaranteed to be
paid according to plans and the opportunity to receive Start-up Gifts.
D. 400 million and no need to continue paying fees. Education benefits are guaranteed to be paid
according to plans and the opportunity to receive Start-up Gifts.

21. According to the Law on Insurance Business, which of the following answers is correct when filling in
place ____ in the following sentence:
An insured event is _____ as agreed by the parties or by law and when the event occurs, the enterprise
the insurance must pay the beneficiary's insurance or indemnify the insured:
A. (D) Objective
Event B. Event
C. Subjective Event
D. Objective or Objective Event

22. According to the provisions of the Law, the training program The general knowledge for insurance
agents includes:
A. General knowledge of insurance; Law on insurance business
B. Liability of agents, ethics of agency practice; Rights and obligations of insurance enterprises, branches
of foreign non-life insurance enterprises, insurance agents in insurance agency activities
C. Insurance selling skills
D. (D) Both A, B, C

23. Under the current law, an insurance agent does not have the following obligations:
A. Participate in advanced training courses organized by an insurance agency training institution.
B. Make a deposit or mortgage of property for the insurance enterprise if so agreed upon in the
insurance agency contract.
C. (D) To fulfill commitments in an insurance contract signed between the policyholder and the
insurance enterprise.
D. To be subject to the inspection and supervision of competent state agencies and fulfill all financial
obligations according to the provisions of law.

24. In personal insurance contract, in case one or the beneficiary intentionally caused the death or
permanent injury to the insured during the insurance contracts in force shall:
A. Insurance enterprises do not have to pay insurance premiums.
B. Insurers still pay all beneficiaries of insurance.
C. (D) The insurer still has to pay the insurance premium to other beneficiaries as agreed in the
insurance policy
D. A, B, C is wrong.

25. Age of participation of the Policyholder in the product "Death and disability due to extended
accident" is:
A. From 20 years and over
B. (D) From 18 years old and above
C. From 25 years old and above up
D. From 10 years of age and older

26. Customers participating in PRU-FRONT FUTURE with a premium term of 16 years, so the contract
term will be:
A. 22 years
B. 16 years
C. 18 years
D. (D) 20 years

27. Compulsory insurance is only applicable to certain types of insurance in order to:
A. Protect the interests of the insured.
B. (D) Protection of public interests and social security.
C. Protect the interests of the insurance business.
D. A, B, C are correct.

28. The rights of the insurance agent:

A. To use his agent commissions to reduce fees or promotions for customers.
B. (D) To enjoy agent commissions.
C. Prevent the purchaser of insurance from providing information relating to the insurance contract.
D. Advising a client to cancel an existing policy in order to sign a new policy.

29. For PRU-FRESH FUTURE products, how is the end-stage death / TTTBVV / BHN benefit paid for?
A. (D) 100% of Sum Assured. No need to continue to pay for main product fees and Guaranteed
Academic Benefits covered as planned. Opportunity to receive Startup Gifts.
B. 150% Sum Assured. No need to continue to pay for main product fees and Guaranteed Academic
Benefits covered as planned. Chance to receive Start-up Gift
C. 100% Sum Assured. No need to continue to pay for main product fees and Guaranteed Academic
Benefits covered as planned.
D. 200% Sum Assured. No need to continue to pay for main product fees and Guaranteed Academic
Benefits covered as planned.
30. Normally a life insurance policy is terminated for discontinuation of premium, reinstatable:
A. To be reinstated at any time from lapse without proof on a buyer's ability to pay premiums.
B. (D) Within 2 years from the date of lapse of validity and the purchaser of insurance has fully paid the
outstanding premium.
C. Within 1 year from the lapse of validity and the policyholder has fully paid the outstanding premium.
D. To be reinstated within 2 years of lapse without proof of the buyer's ability to pay the premium.

31. Lifetime insurance is a line of insurance that covers:

A. The Insured Person lives or dies
B. (D) The Insured dies at any time during the person's life
C. Person insured lives up to a certain period
D. The Insured Person dies for a certain period of time

32. Which of the following statements is incorrect when talking about an insurance buyer:
A. An insurance buyer is an organization or individual that enters into an insurance contract with an
insurance enterprise and pays a premium.
B. (D) The purchaser of insurance cannot concurrently be the beneficiary
C. The purchaser of insurance has the right to choose an insurance enterprise operating in Vietnam to
purchase insurance
D. The purchaser of insurance may concurrently is an insured person

33. According to the Law on Insurance Business, in addition to cases of contract termination under the
provisions of the Civil Code, the insurance contract was terminated in the following circumstances:
A. The insurance buyer no longer interests can be insured.
B. The purchaser of insurance fails to pay the premium in full or fails to pay the premium by the time
agreed upon in the insurance contract, unless otherwise agreed by the parties.
C. The purchaser of insurance fails to pay the premium in full during the extension period of premium
payment as agreed in the insurance contract.
D. (D) A, B, C are correct.

34. Under the Law on Insurance Business, insurance business organizations do not include any of the
following:
A. Mutual insurance organization
B. Insurance co-operative
C. (D)
D partnership Insurance Company Limited, Joint Stock Insurance Company

35. Choose the right option for what the insurance agent can do:
A. On behalf of the customer to sign the Insurance Claim Form.
B. On behalf of the customer to sign the Claim of Compensation or Insurance Payments.
C. (D) On behalf of the insurer to arrange compensation, pay insurance money when insured events
occur.
D. Neither is true.

36. In cases where an insurance enterprise intentionally provides false information in order to enter into
an insurance contract:
A. The Policyholder has the right to unilaterally suspend the performance of the Insurance Contract; An
insurance enterprise is not required to indemnify a purchaser of insurance for damage arising from
providing false information
B. (D) The purchaser of insurance has the right to unilaterally suspend the performance of the insurance
contract; An insurance enterprise must indemnify a purchaser of insurance for damage arising from
providing false information
C. An insurer has the right to unilaterally suspend the performance of the insurance contract; An insurer
must indemnify a purchaser of insurance due to providing false information
D. B, C correct

37. An insurer has the obligations:

A. Pay all costs of operating the insurance contract to the agent in addition to the insurance commission.
B. Requiring insurance agents to have collateral.
C. (D) Be liable for damages or losses caused by your insurance agency operations as agreed in the
insurance agency contract.
D. A, C is correct.

38. According to the Law on Insurance Business, mixed life insurance is a combination of insurance:
A. (D) Term insurance and term insurance.
B. Term insurance and retirement insurance.
C. Life insurance and life insurance.
D. Lifetime insurance and retirement insurance.

39. According to the law on insurance business, the beneficiaries of insurance commissions include:
A. The insurance buyer
B. (D) Insurance agent
C. Insurance broker enterprise
D. B, C correct

40. For a term life insurance product, in case the Insured dies due to BHN, what is the sum insured that
the Company pays?
A. (D) 100% of Sum Assured.
B. 10% Sum Assured
C. 50% Sum Assured
D. 20% Sum Assured
2. TEST 2

1. Critical end-stage illness is defined as:

A. An incurable condition that includes end-stage (stage 4) cancer
B. Non-curable or reversible multiorgan failure syndrome.
C. According to the medical prognosis, end-stage BHN may lead to TV in a short period of time.
D. (D) All of the above.

2. According to the Law on Insurance Business, which of the following is correct:

A. The insurance liability exclusion clause states where an insurer does not have to pay a third party
when the insured causes damage. for the 3rd person
B. The exclusion of insurance liability is set out according to international practice, not required in the
insurance contract.
C. Insurance Exclusion is a provision not in the insurance policy.
D. (D) An insurance exclusion clause that states where an insurer is not required to indemnify or pay the
insurance premium in the event of an insured event.

3. The statute of limitations for a lawsuit on an insurance contract under the Law on Insurance Business
is:
A. (D) 3 years from the time the dispute arises.
B. 1 year from the time the dispute arises.
C. 4 years from the time the dispute arose.
D. 2 years from the time the dispute arose.

4. Insurance agents are:

A. The person authorized by the insurance enterprise to perform all work related to the insurance
profession.
B. (dd) Organizations and individuals authorized by an insurance enterprise on the basis of an insurance
agency contract to perform insurance agency activities in accordance with law.
C. Customer representative.
D. A, B, C are correct.

5. In a personal insurance contract, normally an insurance enterprise is not required to pay the
insurance premium in the following cases:
A. The insured dies of suicide within a period of five years from the date of payment first premium or
from the date the policy continues to be valid due to reinstatement of the policy
B. (D) The Insured dies of suicide within a period of two years from the date of premium payment first or
from the date the policy continues to be in force as a result of the reinstatement of the policy
C. The insured dies of suicide within a period of four years from the date of first payment of premium or
from the date the policy continues to be in force due to the reinstatement of the policy
D. The Insured Person dies by suicide within a period of three years from the date the first premium is
paid or the date the policy continues to be in force due to the reinstatement of the policy.

6. When participating in a Term Life product as a main product, which of the following supplementary
products (increased protection) customers can participate in:
A. BH Waiver marriage and Accidental Death insurance
B. (D) Depending on customer needs
C. Death and Disability due to extended accident
D. Accidental Death and Extended Accidental Death and Disability

7. Within how many days after the Ministry of Finance approves the transfer of insurance contracts
between enterprises, the insurance contract-transferring enterprise must announce the transfer and
notify it in writing. copy for the policyholder:
A. (D) 30 days
B. 90 days
C. 60 days
D. 15 days

8. Choose the wrong option with regard to the following concept:

A. The assured can be both the beneficiary
B. The purchaser of insurance can be both the insured and the beneficiary.
C. (D) A Beneficiary is a person designated by an insurer to receive insurance proceeds under a personal
insurance contract.
D. Beneficiary is a person designated by an insurance buyer to receive insurance proceeds under a
personal insurance policy.

9. Which of the following statements does not fall under the rights and obligations of an insurance
agent:
A. An insurance agent must fulfill a commitment in the insurance agency contract signed with the
insurance enterprise
B. (D) Insurance agents can promise to reduce insurance premiums and reimburse premiums so that
customers prefer to buy insurance
C. Insurance agents have the right to be provided with information necessary for their operations and
conditions. Other to perform insurance agency contracts
D. Insurance agents have the right to enjoy commissions and other legitimate rights and interests from
activities of insurance agents.

10. According to the Law on Insurance Business, types of insurance contracts include:
A. Life insurance contract; Non-life insurance policy.
B. (D) Person insurance contract; Property insurance contract; Civil liability insurance contracts.
C. Main insurance contract; Supplementary insurance policy.
D. A, B, C are correct

11. The Company will pay an amount up to 300% of the sum insured for the customer participating in
the product "Extended accidental death and disability" when the insured:
A. Death by accident when Traveling on train
B. (D) Accidental death while traveling on commercial flights as passenger
C. Death or permanent total accidental injury
D. All of the above wrong.

12. The legal capital of life insurance enterprises, life insurance business (except for unit-linked
insurance, pension insurance) and health insurance is:
A. VND 300 billion
B. (D) 600 billion VND
C. 1,000 billion VND
D. 800 billion VND

13. For term life insurance products, what are insurance benefits?
A. (D) Death Benefit, Total and Permanent Disability Benefit
B. Death Benefit
C. Maturity Benefit
D. Death and Maturity Benefit

14. Which of the following statements is true about the development of universal life insurance
products:
A. During the performance of universal life insurance contracts and within the maximum limits specified
in the insurance contract Enterprises can change the rate of applicable fees after notifying and agreeing
with the insurance buyer in writing at least 15 days before the official time of change.
B. During the implementation of universal life insurance contract and within the maximum limit
specified in the insurance contract, the enterprise may change the rate of applicable fees without notice
to customer.
C. (D)During the implementation of universal life insurance contract and within the maximum limit
specified in the insurance contract, the enterprise may change the rate of applicable fees after giving
notice and agreement with the party. buy insurance in writing at least 3 months prior to the official date
of change.
D. During the implementation of universal life insurance contract and within the maximum limit
specified in the insurance contract, the enterprise may change the rate of applicable fees after
notification and agreement. with policyholder in writing at least 20 days prior to the official time of
change.

15. In human insurance, if the purchaser of insurance does not pay or does not fully pay the premium,
the insurance enterprise has the right to:
A. To initiate a lawsuit demanding that the purchaser of insurance pay the premium
B. (D) Unilaterally suspend performance of insurance contracts.
C. A and B are true
D. A, B are false

16. Insurance for the case where the assured lives up to a certain period of time; After that time, the
insurance enterprise must pay the periodical insurance premium to the beneficiary as agreed in the
insurance contract, which is:
A. Retirement insurance
B. (D) Periodical
insurance

C. Insurance Lifetime
D. Life insurance

17. The maximum commission rate calculated on the premium of the individual life insurance contract
for the periodical insurance operation, the method of periodic premium payment of the first policy year
is:
A 30%
B. (D) 25%
C. 15%
D. 20%

18. What is the maximum age of the Insured at the end of the Policy Period under the policy of PRU-
FRUIT FUTURE?
A. (D) 72 years old
B. 60 years old
C. 70 years old
D. 65 years old

19. The fund for the protection of the insured is appropriated according to the following percentage:
A. Sum insured
B. (D) Total retained premium revenue of original insurance contracts in the preceding fiscal year of the
insurance enterprise
C. Technical reserves
D. Total assets

20. Customers participating in PRU-FRONT FUTURE with a premium term of 16 years, so the contract
term will be:
A. 16 years
B. 18 years
C. 22 years
D. (D) 20 years

21. Operations of an insurance enterprise for the purpose of profitability, whereby the insurance
enterprise accepts the assured's risks, on the basis of which the purchaser of insurance pays the
premium for the insurance enterprise to pay the premium Insurance for the beneficiary or indemnity for
the insured when an insured event occurs:
A. Reinsurance business
B. Health insurance
C. (D) Insurance business
D. Social insurance

22. If an individual has been granted an agency certificate but has not continuously operated as an
agency, how long does it take to take a test for a new agency certificate before working as an agency?
A. 1 year
B. 6 months
C. 2 years
D. (Đ) 3 years

23. An insurance agent has no obligations below:

A. To fulfill commitments in the insurance agent contract
B. (D) Decide to pay insurance benefits under the insurance contract
C. Deposit or mortgage assets for insurance enterprises according to the
D. Agreement, Introduce, offer, sell insurance; provide complete and accurate information to the
insurance buyer, perform the insurance contract according to the scope authorized in the insurance
agency contract

24. The period of time when a customer is allowed by an insurer to delay paying premiums from the
date of premium payment is called?
A. Waiting time to start receiving benefits
B. Free time to review policy
C. (D) Extension of premium
D. Exemption period

25. Ms. Dung is an insured person in the Extended Accidental Death and Disability Insurance product
with a premium of 200 million VND. Please tell us the amount of money Ms. Dung's family will receive if
she dies from an accident while she is a passenger on a commercial flight:
A. (VND) 600 million.
B. 200 million dong
C. 400 million dong
D. 100 million dong

26. In the product "Pru-Bright Future", before the end of the 90-day premium period, the Policyholder
begins to be assigned one time for 1 person who is his / her biological, grandchild, or maternal
grandchildren. Receive Term Life Benefit. How many days before the end of the premium period is this
assignment due for PRU-FRONT FUTURE?
A. 45 days
B. 90 days
C. 60 days
D. (D) 30 days

27. Under the law, health insurance operations include:

A. (D) Personal accident insurance, medical insurance, health care
insurance B. Personal accident insurance, insurance Recurring payments, health insurance
C. Personal accident insurance, health care insurance, birth insurance
D. Pension insurance, medical insurance, health care insurance

28. An insurance agent does not have any of the following rights:
A. To require the insurance enterprise to return the deposit or mortgage the property as agreed in the
insurance agency contract.
B. To enjoy commissions and other legitimate rights and interests from insurance agency activities.
C. (D) Signing on behalf of customers.
D. Attend training and retraining classes for insurance agents organized by insurance businesses.

29. Under the provisions of the PRU-FRONT FUTURE insurance product, if the insured dies or is
permanently totally disabled (CPVV) or end-stage BHN during the period of receiving the Academic
Benefits, then :
A. Death benefit is still covered, but End-stage CG / BHN Benefit is not covered.
B. (Đ) Death benefit / End-stage NERV / BHN
benefit is still paid C. Death benefit is not covered but End-stage CG / BHN benefit is still paid
D. Death benefit / End-stage TTTBVV / BHN cannot be paid because the customer no longer pays fees
30. Which of the following cases shall an insurer have to pay the premiums in a personal insurance
contract:
A. The assured dies of suicide within a period of two years from the date of first payment of premium or
from the effective date of the policy
B. The Assured dies or is permanently disabled due to the intentional fault of the Policyholder
C. The Insured dies due to the execution of the death penalty
D. (e) The insured person dies of suicide after a period of two years from the date of payment of the first
premium or the date of the insurance contract continues to be effective

31. Choosing the right option for the life insurance profession:
A. It is a line of insurance that combines term and term insurance.
B. An operation of insurance where the insured lives up to a certain period of time.
C. An operation of insurance in case the insured dies within a certain period of time.
D. (D) An insurance operation for the case of the Insured Person's death at any point during his or her
life.

32. Interests that can be insured are ownership, possession, use rights, property rights; rights and
obligations to nurture and support:
A. Insurance agent
B. (D) The subject of insurance
C. The Beneficiary
D. The Policyholder

33. Types of insurance contracts include:

A. Person insurance contract
B. Property
insurance contract C. Civil liability insurance contract
D. (D) A, B, C true

34. The scope of the Insurance Business Law is:

A. Health Insurance.
B. Deposit insurance.
C. (D) Organization and business of insurance, defining rights and obligations of organizations and
individuals participating in insurance.
D. Social insurance.

35. Responsible Insurance Agents:

A. Introduce, offer, sell insurance, provide complete and accurate information to policyholders.
B. To fulfill commitments in insurance agency contracts signed with insurance enterprises and foreign
branches.
C. Be subject to the inspection and supervision of the competent state agency and fulfill all financial
obligations in accordance with the law.
D. (D) A, B, C are correct.

36. An insurer has the right to:

A. Request an insurance buyer to provide all information the insurance enterprise needs.
B. Unilaterally terminate a contract when the purchaser of insurance intentionally provides false
information in order to enter into an insurance contract.
C. Request the insurance buyer to take measures to prevent and limit the loss in accordance with the
provisions of Law
D. (D) B, C properly

37. An insurance enterprise has the right to:

A. (D) Select an insurance agent and sign an insurance agent contract, prescribing the premium rate in
the insurance agency contract in accordance with the regulations. under the law.
B. Payment of insurance commissions for the assistance of reducing insurance premiums for customers
C. Paying agent commissions in excess of the rate prescribed by law
D. Not being responsible for the insurance contracts collected by the agent to arrange and enter into a
case where the insurance agent breaches the insurance agency contract, causing damage to the
legitimate rights and interests of the insured.

38. The conditions to receive the insured benefits of a death policy are:
A. (D) The Insured dies during the term
B. The Insured Person remains alive until termination of the Policy. Contract
C. The Policyholder is still alive until the end of the
Policy

D. The Policyholder dies during the Policy

39. Which of the following expenses is not agent management expenses:

A. Expenses for training to improve knowledge for insurance agents
B. Expenses for recruitment of agents
C. (D) Expenditures on business trips Insurance industry
D. Expenses for initial training and certification exam

40. For term life insurance products, in case the Insured has suffered an accidental loss of insurance,
how much is the sum insured that the Company pays?
A. 20% Sum Assured
B. (D) 100% Sum Assured.
C. 50% Sum Assured
D. 10% Sum Assured
3. TEST 3

1. The PRU-FUTURE Benefits are: 

A. Education Benefits, Start-up Gifts, Death Benefits, Total and Permanent Disability Benefits. Benefit for
end-stage BHN, Accidental death benefit. Term life insurance benefits.
B. Education Benefits, Start-up Gifts, Death Benefits, Total and Permanent Disability Benefits. Benefit for
end-stage BHN, Accidental death benefit.
C. (D) Education Benefits, Start-up Gifts, Death Benefits, Total and Permanent Disability Benefits. Benefit
for end-stage BHN, Accidental death benefit. Term life insurance benefits, Manager issues new
contracts.
D. Education Benefits, Start-up Gifts, Death Benefits, Total and Permanent Disability Benefits. Initial
stage health care benefits, End stage health care benefits, Accidental death benefits. Term life insurance
benefits.

2. According to the Law on Insurance Business, which of the following is not required in the insurance
contract:
A. (D) Income of the insurance buyer.
B. Premium and payment method, term of indemnity or premium payment, dispute settlement rules.
C. Name and address of the insurance enterprise, the purchaser of insurance, the insured or the
beneficiary, date, month and year of entering into the contract.
D. Subject insured, sum insured, insured property value for property insurance, coverage, terms, terms
of insurance, exclusions of liability and term insurrance.

3. The insurer has the right to refuse to pay the benefit to the beneficiary or to indemnify the assured in
the following cases:
A. (D) The insured event is not covered by agreement in the insurance contract.
B. An insurance event occurred during premium payment grace period.
C. Insured event occurred within the scope of insurance as agreed in the insurance contract.
D. A, B is correct.

4. An insurance agency contract must contain the following information:

A. Name and address of the insurance agent, Name and address of the insurance enterprise, Rights and
obligations of the insurer, agent Insurance, Term of insurance contract, Principles of dispute settlement.
B. The name and address of the insurance agent, the name and address of the insurance enterprise, the
content and scope of activities of the insurance agent, the term of the insurance contract.
C. Name and address of insurance agent, Name and address of insurance enterprise, Rights and
obligations of insurance enterprise, insurance agent, Content and scope of activities of insurance agent,
Commission Insurance agent, Term of insurance contract.
D. (D)Name and address of insurance agent, Name and address of insurance enterprise, Rights and
obligations of insurance enterprise, insurance agent, Content and scope of activities of insurance agent,
Agent commissions Insurance, Term of insurance contract, Principles of dispute settlement.

5. Normally a life insurance policy is terminated for discontinuation of premium, reinstatable:

A. To be reinstated at any time from lapse without proof on a buyer's ability to pay premiums.
B. (D) Within 2 years from the date of lapse of validity and the purchaser of insurance has fully paid the
outstanding premium.
C. To be reinstated within 2 years of lapse without proof of the buyer's ability to pay the premium.
D. Within 1 year from the lapse of validity and the policyholder has fully paid the outstanding premium.

6. For a term life insurance product, in case the Insured is injured by IDC by accident, what is the sum
insured that the Company pays?
A. 50% Sum Assured
B. 10% Sum Assured
C. (D) 100% Sum Assured.
D. 20% Sum Assured

7. The Policyholder has no obligation to:

A. To pay the premium in full, by the deadline and by the method as agreed in the insurance contract.
B. To fully and honestly declare all details relating to the insurance contract at the request of the
insurance enterprise.
C. (D) Payment of expenses related to the insured risk assessment.
D. Notify situations that may increase risks or give rise to additional liabilities of the insurance enterprise
during the performance of an insurance contract at the request of the insurance enterprise.

8. According to the Law on Insurance Business, the organization or individual whose property, civil
liability and life are insured under the insurance contract is called:
A. (D) The Policyholder
B. The Beneficiary
C. The insured
D. Insurance agent

9. Insurance agents are not authorized by insurance enterprises to carry out any of the following
activities:
A. Introduce and sell insurance.
B. Collecting insurance premiums.
C. Arrangement of indemnity, insurance payment when insured event occurs.
D. (D) Risk assessment.

10. According to the Law on Insurance Business, an insurance contract is an agreement between:
A. (D) The purchaser of insurance and the insurance
enterprise B. The insurance enterprise and the insurance agent
C. A, B correct
D. A, B is wrong

11. How much will the product "Death and disability due to an extended accident" pay when the Insured
has an accident resulting in 3rd degree burns on 20% of the skin area:
A. (Đ) 100% of the Insurance
B. 175% of Sum Insured
C. 150% of Sum Insurance
D. 200% of Sum Assured

12. Choose the right option on the concept of life insurance:

A. (D) Life insurance is insurance in case the insured lives or dies.
B. Life insurance is personal accident insurance and medical insurance.
C. Life insurance is health insurance and health care insurance.
D. A, B, C are correct.

13. Which of the following statements about Term Life Insurance is correct:
A. Is a supplement
B. Can join alone
C. Not participating in interest sharing
D. (D) All are correct.

14. According to the provisions of the Law, normally an insurance agent needs to meet the DURATION of
how long it takes to operate a continuous insurance agent to become an agent to sell unit-linked
insurance:
A. 6 months
B. 9 months
C. (D) 1 year
D. 3 months

15. In a personal insurance contract, where the insurance buyer announces the wrong age
(unintentionally) of the assured increases the premium payable, but the correct age of the insured is in
the age group. If it can be insured, then:
A. The insurer has the right to cancel the insurance contract
B. The insurer pays the insurance buyer the refundable value of the insurance contract
C. The insurance enterprise reimburses the premium paid to the policyholder after deducting the
reasonable costs
D. (D) The insurance enterprise must reimburse to the insurance buyer the outstanding premium paid or
increase the premium Insurance agreed in the insurance contract corresponding to the premium paid

16. According to the provisions of the Law, which of the following lines of insurance is part of life
insurance:
A. Motor vehicle insurance
B. Business damage
insurance C. Agricultural insurance
D. (D) Insurance pay periodically

17. The maximum commission rate calculated on the premium of an individual life insurance policy for
the periodical insurance operation, the method of one-time premium payment is:
A. 15%
B. (D) 7%
C. 10%
D. 5%

18. The new Contract Issue entitlement in the PRU-FRESH FUTURE product is described as follows:
A. Within 60 days from the Contract Term End Date, the biological child or grandchild / grandchild of
BMBH or the insurer who has been designated for Term Life Insurance Benefit will be entitled to join a
new policy without appraisal provided that the person has never had any signs, symptoms, diagnosis or
treatment. associated with mental retardation, cancer or proliferation of all kinds, hepatitis, epilepsy,
disease or disorders of the heart, blood, blood vessels, respiratory system, kidney, liver, stomach,
intestinal tract, urinary tract diabetes, brain / nerve disease, spinal abnormality, birth defect (please list
on company form)
B. The maximum amount of insurance for the new contract is 750 million dong. New, unverified BH
products do not include BH products with Critical Illness benefits.
C. Unauthenticated issue of new contract will not be guaranteed if the sale of contract is not guaranteed
within the prescribed time limit or the insurer dies or the insured's death or end-stage insurance benefit
or end-stage benefit is paid or prior payment approval.
D. (D) All of the above.

19. The Insured Person's Protection Fund is not formed from any of the following sources:
A. Annual deduction based on a percentage of the premium applicable to all insurance policies
B. Profits from the Fund's investment activities to protect the insured
C. The Fund's balance in the previous year is carried over to the following year
D. (D) Annual deduction as a percentage of the sum insured applies to all insurance contracts

20. Who will receive term life insurance benefits in PRU-FRESH FUTURE? How long is it from the end of
the Premium Product Premium?
A. (Đ) Giving the biological child, or grandchild of BMBH (or Buyer-real-estate if BMBH is an
organization). Term 4 years from the end of Premium Product Payment Period.
B. For the biological child of the Insurance Buyer (or the Buyer if the Buyer is an organization). Term 4
years from the end of Premium Product Payment Period.
C. For the biological child or grandchild or grandchild of the Insurance Buyer (or the Buyer if the Buyer is
an organization). 5-year term from the end of Premium product's Premium Payment Period.
D. All 3 answers above are wrong

21. According to the Law on Insurance Business, which of the following answers is correct when filling in
place ____ in the following sentence:
An insured event is _____ as agreed by the parties or by law and when the event occurs, the enterprise
the insurance must pay the beneficiary's insurance or indemnify the insured:
A. Event
B. Objective or subjective event
C. (D) Objective
event D. Subjective event

22. According to the provisions of the Law, which content must be included in the training program Part
of products for insurance agents:
A. (D) Basic contents of insurance products of an insurance enterprise, a branch of a foreign non-life
insurance enterprise is allowed to do business
B. Practice as an insurance agent
C. Practicing ethics of a foreign non-life insurance enterprise
D. A, B is correct

23. Insurance agents must comply with the following rules:

A. Reduce insurance premiums after reaching agreement with the customer.
B. Provide information about the insured upon request of the beneficiary.
C. (D) Do not sign on behalf of customers.
D. Neither is true.

24. With regard to human insurance contracts, an insurance enterprise must pay the premium in any of
the following cases:
A. The insured dies of suicide within a period of 2 years from the date of the insurance contract. validity
B. The Insured Person dies due to the intentional fault of the Policyholder
C. (D) Where one or more beneficiaries intentionally cause death or permanent total and total disability
to the beneficiary. Insurance, the insurer still has to pay the insurance premium to other beneficiaries as
agreed in the insurance policy
D. All 3 answers A, B, C the insurer must pay the insurance

25. Mr. D participates in an insurance product with the product "Extended Accidental Death and
Disability Insurance", with the sum of 100 million VND. During the validity of the contract, Mr. D
unfortunately had an accident and resulted in injuries such as: loss of vision in both eyes and loss of
both hands. The amount that Mr. D receives is:
A. Receive only 50 million benefits for loss of both arms. Vision loss benefits in both eyes are not
compensated

B. Received only 50 million eyesight loss benefits. Both arms loss benefit is not compensated
C. 100 million for binocular vision loss, 100 million for loss of both arms (total benefit is 200 million)
D. (D) The total amount received is 100 million for both types of injuries (loss of vision in both eyes and
loss of both arms).
26. The exclusion for Accidental Death in the FRESH PRU-FUTURE is:
A. arising from the unauthorized use of narcotics or stimulants (except for the use of drugs based on the
prescription of an authorized physician); The results of suicide or self-harm whether in a normal state or
insane; Aviation activities, except as a passenger on civil flights;
B. Due to the willful act of the Policyholder, the Beneficiary in respect of the Insured; War (whether
declared or not), acts of aggression, rebellion, civil turmoil or violence;
C. Participating in the Insured Person's dangerous activities such as scuba diving, diving, rock climbing,
racing of any kind, kites flying, hot air balloons, parachuting; Participate in professional sports
activities; and the exclusion cases in the case of death of the insured person
D. (D) All questions

27. Which of the following acts is prohibited in insurance business:

A. Organizations and individuals that illegally interfere with the right to choose an insurance enterprise
of a customer.
B. Preventing, inducing, bribing or intimidating employees or customers of other insurance enterprises,
insurance agents or insurance brokerage enterprises.
C. Abusing positions and powers to appoint, request, force or prevent organizations or individuals from
participating in insurance.
D. (D) A, B, C are correct.

28. Choose the right option:

A. Insurance agents are entitled to insurance commissions
B. Insurance agents have the right to require insurers to pay deposits or collateral as agreed in agency
contracts Insurance
C. Insurance agent is the representative of the Policyholder
D. (D) A, B is correct

29. Under the provisions of the PRU-FRONT FUTURE insurance product, if the insured dies or is
permanently totally disabled (CPVV) or end-stage BHN during the period of receiving the Academic
Benefits, then :
A. Death benefit is not covered, but End-stage CG / BHN benefit is still paid
B. Death benefit is still paid, but End-stage Comprehensive Benefit / BHN Benefit is not covered.
C. (Đ) Late stage death / TTTBVV / end-stage BHN
benefit is still paid D. Late stage death / TTTBVV / end-stage BHN benefit is not covered because the
customer no longer pays the fee

30. In a person insurance policy, the policyholder CANNOT buy insurance for any of the following:
A. Spouse, child, parent of the policyholder
B. The purchaser of insurance himself
C. Siblings, siblings, person in nurturing and supporting relationship
D. (D) Neighbor

31. Insurance for the case where the assured lives up to a certain period of time, under which the
insurance enterprise must pay the insurance payout to the beneficiary, if the insured remains alive for
the agreed term in the insurance policy are:
A. Term insurance
B. Life insurance
C. Retirement insurance
D. (D) Term insurance

32. Which of the following answers is incorrect:

A. (D) The Policyholder and the Assured cannot be the Beneficiary
B. The Policyholder can be either the Assured or the Beneficiary
C. Insured is an organization or individual whose property, civil liability, and life are insured under the
insurance contract
D. The Policyholder is an organization or individual that concludes an insurance contract with an
enterprise. insurance and premiums

33. An insurance contract can be transferred between insurance companies by any of the following
methods:
A. Transfer of the entire contract
B. Transfer of one or several insurance operations
C. Not assignable
D. (D) A, B is correct

34. The agency responsible before the Government for performing the state management of insurance
business is:
A. The Ministry of Public Security.
B. (D) Ministry of Finance.
C. Ministry of Industry and Trade.
D. Ministry of Labor, Invalids and Social Affairs.
35. Insurance agents are strictly prohibited:
A. False advertising information harms the interests of insurance buyers.
B. Prevent the purchaser of insurance from providing information relating to the insurance contract.
C. Competing for customers in any form, illegal promotions or inciting customers to cancel insurance
contracts.
D. (D) A, B, C are correct.

36. In the absence of an agreement on a deadline, the insurance enterprise must pay the premium or
indemnify the insured within:
A. 60 days from the date of receipt of a complete and valid application file. claims or indemnities.
B. (D) 15 days from the date of receipt of complete and valid documentation of the claim or claim.
C. 30 days of receipt of complete and valid documentation of a claim or claim.
D. 45 days of receipt of complete and valid documentation of the claim or indemnity.

37. Insurance enterprises have the right to:

A. Pay insurance commissions for the insurance premium reduction assistance to customers
B. Not be responsible for the insurance contracts arranged and concluded by the agent in the event of
the insurance agent breaches the insurance agency contract, causing damage to the legitimate rights
and interests of the assured.
C. (D) Selecting an insurance agent and entering into an insurance agent contract, setting the level of
insurance commissions in the insurance agency contract in accordance with the provisions of law.
D. Pay agent commissions in excess of the rate prescribed by law

38. Which of the following answers is correct when it comes to mixed life insurance: 

A. Combined life insurance is a line of insurance that combines term and periodical insurance
B. Life insurance Mixed life is a line of insurance that combines term insurance and term insurance
C. (D) Combined life insurance is a line of insurance that combines term and term insurance
D. Insurance Combined life insurance is a line of insurance that combines life insurance and periodic
insurance

39. Which of the following statements does not fall under the rights and obligations of an insurance
agent:
A. An insurance agent must fulfill a commitment in the insurance agency contract signed with the
insurance enterprise
B. Insurers have the right to commissions and other legitimate rights and interests of their activities as
insurance
agents C. Insurance agents have the right to be provided with information necessary for their operations
and other conditions to perform insurance agent contracts
D. (D) Insurance agents can promise to reduce insurance premiums, refund insurance premiums so that
customers prefer to buy insurance.

40. The maximum STBH customers are entitled to participate in a Term Life Insurance product is:
A. (D) 4 times the STBH of the Main Product
B. Twice the STBH of the Main Product
C. Equal of the STBH of the Core Product, Main product
D. There are no correct statements
4. TEST 4

1. Under the provisions of the PRU-FRONT-FUTURE insurance product, if the insured dies or is
permanently totally disabled (CPBVV) or end-stage BHN during the period of receiving the Academic
Benefit, then :
A. Death benefit is still covered, but End-stage CG / BHN Benefit is not covered.
B. (Đ) Late stage death / TTTBVV / end-stage BHN
benefit is still paid C. Late stage death / TTTBVV / BHN benefit is not covered because the customer no
longer pays the fee
D. Death benefit Death is not paid, but End-stage Intervention / BHN Benefit is still paid

2. The object of a human insurance contract is:

A. Life, life, property and civil liability of the insured.
B. Life expectancy, life and civil liability of the insured.
C. Life, life and property of the Insured Person.
D. (D) Human life expectancy, life, health and accident.

3. In case there is a change in the factors that serve as the basis for the calculation of the premium,
leading to a reduction of the insured risks, the purchaser of insurance:
A. (D) Has the right to request the insurance enterprise to reduce the premium. insurance for the
remainder of the policy
B. Not having the right to require the insurer to reduce the premium for the remainder of the policy
C. Has the right to unilaterally terminate the policy without notice. written to the insurance company
D. A, C correct

4. Insurance agents are:

A. The person authorized by the insurance enterprise to perform all work related to the insurance
profession.
B. (dd) Organizations and individuals authorized by an insurance enterprise on the basis of an insurance
agency contract to perform insurance agency activities in accordance with law.
C. Customer representative.
D. A, B, C are correct.

5. In personal insurance contract, in case one or the beneficiary intentionally caused the death or
permanent injury to the insured during the insurance contracts in force shall:
A. Insurance enterprises do not have to pay insurance premiums.
B. Insurers still pay all beneficiaries of insurance.
C. (D) The insurer still has to pay the insurance premium to other beneficiaries as agreed in the
insurance policy
D. A, B, C is wrong.

6. The maximum STBH customers are entitled to participate in a Term Life Insurance product is:
A. (D) 4 times the STBH of the Main Product
B. 2 times the STBH of the Main Product
C. Main product
D. There are no correct statements
7. An insurance enterprise shall have the following obligations:
A. To explain to the insurance purchaser the insurance terms and conditions; rights and obligations of
the insurance buyer.
B. To pay the beneficiary promptly or indemnify the insured when the insured event occurs.
C. Written explanation of the reason for denial of payment.
D. (D) A, B, C are correct.

8. Choose the wrong option with regard to the following concept:

A. A beneficiary is a person designated by the policyholder to receive the premium under the personal
insurance contract.
B. (D) A Beneficiary is a person designated by an insurance company to receive insurance proceeds
under a personal insurance contract.
C. A purchaser of insurance can be both the assured and the beneficiary.
D. The Insured Person can be the same time the beneficiary

9. Insurance agents may choose and sign insurance agency contracts with:
A. (D) Insurance enterprises, branches of foreign non-life insurance enterprises
B. Branches of insurance enterprises foreign life
C. Insurance brokerage enterprise
D. Representative office of foreign insurance enterprise in Vietnam

10. According to the Law on Insurance Business, in addition to cases of contract termination under the
provisions of the Civil Code, the insurance contract was terminated in the following circumstances:
A. The insurance buyer no longer interests can be insured.
B. The purchaser of insurance fails to pay the premium in full or fails to pay the premium by the time
agreed upon in the insurance contract, unless otherwise agreed by the parties.
C. The purchaser of insurance fails to pay the premium in full during the extension period of premium
payment as agreed in the insurance contract.
D. (D) A, B, C are correct.

11. Mr. Bao participates in an insurance product with the product "Extended Accidental Death and
Disability Insurance", with the insured sum of 100 million VND. During the validity of the contract, Mr.
Bao unfortunately suffered an accident and lost both legs. The benefits Mr. Bao receives are:
A. The company compensates up to 200 million VND
B. (D) The benefit Mr. Bao receives is the amount of 100 million VND
C. Anh Bao receives 50 million VND
D. 0 VND

12. Legal capital of life insurance enterprises, life insurance business (including unit-linked insurance,
pension insurance) and health insurance is:
A. 600 billion VND
B. (D) 1,000 billion VND
C. 300 billion VND
D. 800 billion VND

13. For term life insurance products, what is the maximum age at the end of a policy?
A. 55 years old
B. 70 years old
C. (D) 65 years old
D. 60 years old

14. According to the provisions of the Law, one of the conditions for an insurance agent to sell universal
life insurance is:
A. (D) At least 03 months of experience working as an insurance agent or having little Having worked in
the fields of finance, banking, insurance for at least 01 year or graduated from a college or higher in the
field of finance, insurance banking
B. Have at least 06 months of experience as an insurance agent. or have at least 02 years working in
finance, banking, insurance or have graduated from university or higher in the field of finance, banking
and insurance
C. Have at least 01 year of experience as an insurance agent or have at least 03 years working in finance,
banking, insurance or have graduated from a graduate degree or higher in the field of finance and
banking. insurance goods
D. A, B, C are wrong

15. Where there is no other agreement in the insurance contract, when the Policyholder pays the life
insurance premium many times but the period is less than two years without continuing to pay the
following premiums, after within 60 days from the date of extension of premium payment:
A. An insurer has the right to suspend the Policy, the Policy may be restored for a period of one year
from the suspension and the Policyholder insurance to fully pay the missing premium
B. The Insurer has the right to suspend the Policy, the Termination Policy cannot be reinstated.
C. (D) The Insurer has the right to suspend the Policy, the Policy may be restored for a period of two
years from the date of suspension and the Policyholder shall fully pay the outstanding premium.
D. The Insurer has the right to suspend the Policy. The Policy can be restored at any time if the
Policyholder pays the outstanding premium.

16. Which of the following statements is true about voluntary super: 

A. Voluntary superannuation is made up of premiums and is a collection of insured person's retirement

insurance accounts
B. When implementing Pension insurance and insurance enterprises must set up a voluntary pension
fund, monitor, separate and account revenue, expenses, assets and capital of the voluntary pension
fund separately from other policyholder funds. and owner
fund C. Voluntary pension fund managed and invested by employer
D. (D) A and B correct

17. The maximum commission rate calculated on the premium of the individual life insurance contract
for the periodical insurance operation, the method of periodic premium payment of the first policy year
is:
A 30%
B. 20%
C. (D) 25%
D. 15%
18. What is the maximum age of the Insured at the end of the Policy Period under the policy of PRU-
FRUIT FUTURE?
A. 65 years
B. (D) 72 years old
C. 70 years old
D. 60 years old

19. The Fund for the protection of the insured shall not be formed from any of the following sources:
A. The balance of the previous year of the Fund shall be carried over to the following year
B. Annual deduction according to a percentage of the premium applicable to with all insurance contracts
C. (e) Deductions annual percentage on the amount of insurance apply to all insurance contracts
D. profit from investment activities of the Fund protection of the insured

20. How to get the Academic Benefit for PRU-FRESH-FUTURE products as follows:
A. 30% Sum Assured plus 20% Accumulated Interest on each Policy Year Anniversary of the last 5 years
of Contract. End-of-contract interest, if any, will be paid on the last Academic Benefit payment
B. (D) Received 5 times each Policy Year Anniversary Date of the last 5 years of the Contract. 1st time
receive 25% of STBH plus 20% Cumulative dividend, 2nd time receive 30% of accumulated dividend plus
20% of accumulated dividend, third time receives 35% of STBH plus 20% of accumulated dividend, 4th
receives 40% of accumulated dividend 5% Cumulative Bonus, 5th receive 45% of Sum Assured plus 20%
Cumulative Bonus. Interest at the end of the contract, if any, will be paid on the last Education Benefit
payment. The accumulated dividends and the interest paid at the end of the contract are both
unsecured interests
C. 20% Sum Assured plus 20% Bonus accrued on each Policy Year Anniversary of the last 5 years of the
Policy. Closing interest, if any, will be paid on the last Academic Benefit payment
D. 35% Sum Assured plus 20% Accrued Bonus on each Policy Year Anniversary of the last 5 years
contract. Interest at the end of the contract, if any, will be paid on the last Education Benefit payment.

21. According to the Law on Insurance Business, the activities of introducing, offering and selling
insurance, arranging the conclusion of insurance contracts and other activities aimed at performing
insurance contracts under the authorization of insurance enterprises are:
A. Inspection Activity

B. Compensation Activity
C. (D) Insurance
Agency Activity

D. Insurance Brokerage Activity

22. Answers are correct in the following sentence:

A. Organizations may also act as agents for many different insurers
B. Individuals may also act as agents for many different insurers
C . (e) Organizations and individuals may not simultaneously act as an agent for other insurers if not
approved in writing by the insurer for which they are acting as agents
D. A, B right
23. Insurance agents are responsible for:
A. Introducing, offering, selling insurance, providing complete and accurate information to the
policyholder.
B. To fulfill commitments in insurance agency contracts signed with insurance enterprises and foreign
branches.
C. Be subject to the inspection and supervision of the competent state agency and fulfill all financial
obligations in accordance with the law.
D. (D) A, B, C are correct.

24. In a life insurance policy, any of the following subjects may not be changed while the contract is in
force:
A. (D) The insured
B. The purchaser of insurance
C. The Beneficiary
D. Both The above 3 statements are all wrong

25. Mrs. Cuc is an insured person in the Extended Accidental Death and Disability Insurance product
with a premium of 200 million VND. Please tell us the amount of money Mrs. Cuc will receive if she dies
from an accident while being a passenger on the train:
A. (D) 400 million VND
B. 900 million VND
C. 200 million VND
D. 600 million dong

26. Customers have the opportunity to receive a Start-up Gift of 25% of STBH at the end of the Contract
Term if they meet any of the following conditions:
A. Eligible designation of 1 person is a natural child, grandchild, or grandchild Extra-intestinal under 18
years of age at the time of filing the insurance claim.
B. The nominated person who is considered for this benefit has graduated from a regular university in
Vietnam with good or higher degree.
C. The designee to consider this benefit graduates from college before or on the Contract Term End
Date.
D. (D) All of the above.

27. Choosing the best option for prohibited behavior in insurance business:
A. Collusion between insurance companies or between insurance enterprises and insurance buyers in
order to divide the insurance market, closed private insurance service.
B. Illegal interference in the selection of an insurance enterprise.
C. Abusing positions and powers to appoint, request, force or prevent organizations or individuals from
participating in insurance.
D. (D) A, B, C are correct.

28. An insurance agent can:

A. (D) Act as an agent for another insurance enterprise at the same time if it is agreed in writing by the
insurance enterprise that the agent is doing.
B. Actively acting as an agent for many insurance companies to bring into full play their sales potential
without having to notify each insurance enterprise for prior approval.
C. Use commissions to reduce fees or promotions for customers.
D. B, C is correct.

29. The educational benefits paid for in the PRU-FRONT FUTURE product are:
A. 200% Sum Assured plus interest (not guaranteed), including Accumulated Interest and Contract
Ending Interest
B 150% Sum Assured plus Interest (not guaranteed) including Accumulated Interest and Ending Dividend
C 125% Sum Assured plus Interest (not guaranteed) including Accumulated Interest Accumulation and
Interest at the end of the contract.
D. (D) 175% Sum Assured plus interest (not guaranteed) including Accumulated Interest and Ending
Dividend Interest.

30. In a personal insurance contract, normally an insurance enterprise is not required to pay the
insurance premium in the following cases:
A. The insured dies of suicide within a period of three years from the date of payment first premium or
from the date the policy continues to be in force due to reinstatement of the policy
B. The Insured dies of suicide within a period of five years from the date of first payment of premium or
from the date the policy continues to be valid due to the reinstatement of the policy
C. (D) The insured dies of suicide within a period of two years from the date of first payment of the
premium or from the date the policy continues to be in force due to the reinstatement of the policy
D. The Insured Person dies by suicide within a period of four years from the date the first premium is
paid or the date the policy continues to be in force due to the reinstatement of the policy.

31. The conditions to receive the insurance benefits of a term insurance policy are:
A. The insured dies before the termination of the policy
B. The Policyholder is alive until the end of the contract
C. (D) The Insured Person remains alive until the end of the
Policy

D. The Policyholder dies before the Contract Termination

32. Interests that can be insured are ownership, possession, use rights, property rights; rights and
obligations to nurture and support:
A. (D) The subject of insurance
B. Insurance agent
C. The Policyholder
D. The Beneficiary

33. Insurance Contract drafted by: 

A. Buyer of insurance.
B. Beneficiary drafting.
C. Drafting by the insurance enterprise and the insurance buyer.
D. (D) Drafting by the insurance enterprise.

34. The agency responsible before the Government for performing the state management of insurance
business is:
A. The Ministry of Labor, Invalids and Social Affairs.
B. (D) Ministry of Finance.
C. Ministry of Industry and Trade.
D. Ministry of Public Security.

35. Under the current regulations, insurance agents and insurance brokers have the rights and
obligations to:
A. Disclosure and provide information that damages the legitimate interests and interests of the
insurance buyers.
B. Influence the purchaser of insurance to provide false or non-essential information to the insurance
enterprise.
C. (D) Provide complete and accurate information to the policyholder.
D. Reduce insurance premiums for customers.

36. An insurer has the right to unilaterally suspend an insurance contract in any of the following cases:
A. When there is a change that increases the insured risks, the insurance enterprise charges an increase
in fees for the remaining period. policy but the policyholder does not accept it.
B. The purchaser of insurance fails to take measures to ensure the safety of the subject matter insured
within the period that the insurance enterprise has assigned for the purchaser of insurance to perform.
C. (D) A, B is correct.
D. A, B is wrong.

37. In case the insurance agent breaches the insurance agency contract, causing damage to the
legitimate rights and interests of the customer, then:
A. The insurance agent must directly reimburse the customer. .
B. (D) The insurance enterprise is responsible for the insurance contracts arranged by the insurance
agent, the insurance agent is responsible for reimbursing the insurer for the amounts paid by the
insurance enterprise. Compensation for customers.
C. Insurance agents do not accept any liability because customers participate in insurance directly with
the insurance enterprise.
D. A or B is correct.

38. According to the Law on Insurance Business, mixed life insurance is a combination of insurance:
A. Term insurance and life insurance.
B. (D) Term insurance and term insurance.
C. Lifetime insurance and retirement insurance.
D. Term insurance and retirement insurance.

39. According to the applicable law, which of the following statements is correct when talking about the
rights of an insurance agent:
A. (D) To request the insurer to refund the deposit or collateral in accordance with agreement in the
insurance agent contract.
B. Acting as an agent for another insurance enterprise without the written consent of the enterprise it is
acting as agent.
C. Customer promotions in the form of premium discounts, premium refunds or other benefits that the
insurance company does not provide to customers.
D. A, C is correct.
40. For term life insurance products, in case the Insured Person is totally and permanently disabled,
what is the amount of insurance that the Company pays?
A. 200% Sum Assured
B. (D) 100% Sum Assured
C. 250% Sum Assured
D. 150% Sum Assured
III. Interview questions

General questions:

1. Tell us about yourself

2. Where do you see yourself in the next 5 years?

3. Why should we hire you?

4. Have you ever worked in this field before?

5. What is your greatest strength?

6. What drew you to Prudential?

7. What are your weaknesses?

8. How would you describe a typical day in your current job?

9. Why do you want to apply as a bancassurance?

10. What factors do you consider as important in the workplace?

11. What would you bring from your last job to this position?

12. What is your greatest accomplishment?

13. Tell me the most common problems that you came across when it comes to dealing with
customers? How did you handle them?

14. What are the most difficult decisions to make?

15. Have you worked with someone you did not like? If so, how did you handle that?

16. Do you prefer to work independently or with a team?

17. Have you worked in an insurance company before?

18. How do you deal with conflict?

19. Why do you wish to leave your present job?

20. What separates you from other candidates?

21. Why was there a gap in your employment?

22. What do you know about the company?

23. What really drives results in this job?

24. What sort of salary are you looking for?

25. What questions do you have for me?

Major-related questions:
1. Do you know what services or products our company have?

2. How are you going to gain relationship with potential customers from the bank?

3. How do you impress customers about our services and products?

4. Tell me a time when you have to deal with complaint of customer?

5. How do you make our services and products stand out from that of other insurance company?

6. Name the 4P in marketing?

7. Do you feel you can recruit upwards of 500 people in your first year to purchase insurance?

8. How do you feel about cold calling marketing?

9. What are the differences between marketing and sales?

10. What do you know about insurance benefits?

11. Do you think it is important to buy insurance?

12. Describe the sale process at the most recent company that you worked for? What worked in
that process and what was not?

13. What is the deciding factor for customers to choose you and the company's products or
services?

14. Describe the process of making a customer's buying decision. Who influences their buying
decisions? What do you need to do to close the order?

15. What do you define customer care?

16. Name a few of the company's competitors you know?

17. When customers criticize our company products or services, how will you handle them? When
will you refuse to provide products / services to customers? When do you stop chasing a
prospect?

18. When it comes to customers who live far away, customers make overtime appointments,
fastidious customers ... what will you do to sign contracts?

19. If the customers ask to return the goods, how will you solve this problem?

20. Which sale closing methods do you usually use? Which methods do you think are the most
effective and least effective? Why?

21. Have you ever failed to reach the sales target? If so, please share more about this incident and
let us know what you have learned from that experience?

22. In your opinion, which is worse: you do not meet the target or the customer is not satisfied.

23. How do you handle rejection?

24. In 5 minutes or less, can you explain something complex to me?

 25. What would you plan to accomplish in your first 30 days working here?

IV. Evaluation form: