Which type investment fund fluctuate drastically in times of a volatile stock market

1 property
2 equity
3 fixed deposit
4 Specialised

According to guidelines on investment linked business insure may undertake unit splits for any investment link
fund only. ...in a financial year n whn there is a sustainable application in the NAV over a ...month period
preceding the split
1 once three
2 once six
3 twice three
4 twice six

Which of the following statement is not true

1 the amt of fund available affect the investment decision
2 the choice of Investment available does not depends on the availability of funds
3 if the investor can set aside a fixed amt of current income which is surplus to his needs he can consider
4 none above

What is the term given to the strategy of placing money into several different categories of Investment
1 diversification
2 hedging
3 profit maximization
4 risk control

Which of the following investment vehicles is category as fixed income security

1 shares
2 cash n deposits
3 corporate bond
4 unit trust

Which of the following not true

1 investor buy unit in the unit trust at the offer price
2 unit trust have no fixed redemption date
3 investor in unit can choose from a variety of Investment objective
4 unit trust are not required to state their investments objective in their prospectus

Sukuk bonds lend a relatively safe investment return but the investor has to forgo
1Safety
2Growth
3Income stream
Single premium policies must have at least a minimum premium
3k
4k
5k
6k

Which type investment fund fluctuate drastically in times of a volatile stock market
1 property
2 equity
3 fixed deposit
Specialised

Identify the statement that is correct about ordinary shares and preferences shares
1 dividend for ordinary shareholders are decide by the security commissions
2 dividend will be paid to ordinary shareholder on an annual basis
3 the dividend of preference shareholder will nvr be more thn the fixed rate
4 preference shares are less secure than ordinary share

Sukuk bonds lend a relatively safe investment return but the investor has to forgo
Safety
Growth
Income stream

Who has a wider choice of Investment

1 an investor with limited funds
2 a risk averse investor
3 a fixed income investor
4 an investor with large funds

What is preference share

1 share that provides dividend Acc to profit made
2 fixed dividend even if there is no profit
3 fixed dividend only if the company makes enough profit
4 Less secured as compared to ordinary shares

misrepresentation resulting in including policy owner to cancel or have his policy made paid -
up in order to purchase a new policy to earn more income for the agent is known as.

A. Switching
B. Replacing
C. Twisting
D. Changing
The switching policy under investment- linked life insurance policies is very useful for the
purpose of.

A. Financial planning by the  policy owners.

B.profit planning by the life officers.
C.sales planning by the fund managers
D.assets planning by the trustee.

Which of the following showns the correct selling process?

A.locating the prospective> the sales presentation>conducting the sales interview>handling

objection>closing the sale.

B.locating the prospective> conducting the sales interview>the sales presentation>handling

objection closing the sales

C.locating the prospective> handling objections> conducting the sales interview> the sales
presentation closing the sale.

D.Locating the prospective> handling objection> the sales presentation> conducting the
sales interview >closing the sales

Investment -linked insurance policy is names in U.S.A?

A.mutual fund linked policy

B.unit linked policy
C.variable life policy
D.takaful investment-Linked policy.

What do you understand by the phrase conducting the fact finding "which is done by an
investment-Linked insurance agent.

A.gathering all information of the investment avaible by the insurer

B.gathering all relevant information about the customer before making recommendation.
C.gathering all information about the various plans offered by other insurers in the market.
D.gathering as far as possible all elements that will affect the customers investment.
Tthe pertinent points highlighted by the guidelines on minimum standards for treating
customers fairly tcf for agent attention are

A.agents should inform customers fully about the key benefit, key risk and exclusions.
B.agents must first be well trained, especially involving the sale of investment and saving
product 😄
C.Agents must guide the customers as to what details are necesssary to declare and what
are not necessary so that the consise personal information captured in the application
document will cater for a smooth underwriting process.
D.the product being proposed to a customer should be based on suitability, needs and risk
appetite.

In risk-return profile of cash fund, bond funds,balanced funds,managed funds and equity
funds, a risk return graph will show that_______

A.higher return normally comes with lower risk.

B.higher return normally comes with higher risk
C.at the top end of the graph are the equity funds
D.the relatively risk less cash funds sit at the bottom end of the graph.

What is the minimum age for a person to apply a regular premium investmeny linked plan
for own life.

A.18 years
B.16 years
C.12 years
D. 21years

When an investment linked policy reaches maturity, the maturity value will be.
A.the account value plus terminal maturity bonus
B.the basic sum assured and the account value
C.the account value
D.the basic sum assured and the account value plus terminal maturity bonus

Mr tan aged 35, signs up for a single premium investment linked plan by paying an initial
RM500,000. six month  later he pays another RM100,000 as top up.the total sum assured in
her policy after payment of the top up is
A.625,000
B.125,000
C.205,000
D.210,000