Preview Questions Claims Adjuster | Role Specific Skill

Question 1: In a life insurance policy, what is the primary condition under which a policy could be rescinded after the insured's death?

Which action should you take?

Choose only one option

Death within the first year

Material misrepresentation during the application process

Suicide after 2 years of coverage

Accidental death

Question 2: What is the most effective way to document interactions with third-party contractors during a claim?

Which action should you take?

Choose only one option

Only note the outcome of the interaction, not the details

Make handwritten notes for later use

Maintain a detailed, timestamped record of all communications and share with relevant parties

Do not document any interactions with third parties

Question 3: What is the best approach to "Writing Recommendations" in a claims report, and how do you ensure they are actionable and relevant?

Which action should you take?

Choose only one option

Recommendations should be based on the findings of the report, ensuring they are specific, feasible, and aligned with the policy terms

Recommendations should be made without considering the insurer's policies

Recommendations should be general and not directly tied to the findings

Recommendations should be vague to leave room for interpretation

Question 4: When handling an escalated claim from an irate customer, which negotiation technique is most effective?

Which action should you take?

Choose only one option

Immediately offering a higher settlement to appease the customer

Referring them to the supervisor without attempting resolution

Offering non-policy-related benefits to placate the customer

Active listening and validating their concerns before providing a solution

Question 5: In cyber liability policies, what is the typical scope of ?first-party? versus ?third-party? coverage?

Which action should you take?

Choose only one option

First-party covers client liability

First-party addresses damages to policyholder

Third-party pays for all insured losses

Third-party protects company infrastructure

Question 6: Which of the following limitations would be applied in comprehensive car insurance?

Which action should you take?

Choose only one option

Excludes damage caused by an accident with another vehicle

Excludes theft unless reported within 48 hours

Excludes damage to the vehicle from natural disasters

Excludes damage caused by vandalism