Page | 1
ALU 101 EXAM 2026 QUESTIONS AND
ANSWERS| ACE YOUR GRADES.
Flat extra ratings are typically used when assessing which of the
following risks?
a) morbid obesity
b) scuba diving
c) underground mining
1. A only is correct.
2. B only is correct.
3. B and C only are correct.
4. A, B, and C are correct. - correct answer -3: B and C only are
correct - page 250.
When assessing avocation and occupation for life insurance, the
primary concern is:
1. residency
2. morbidity
3. overinsurance
4. accidental death - correct answer -4: accidental death - page
249.
, Page | 2
Discuss the four most common causes of mortality while
mountain climbing. - correct answer -262-263.
Describe the physical requirements required before learning to
scuba dive. - correct answer -Refer to page 253.
List three categories of automotive racing and describe each. -
correct answer -Refer to page 255-256.
In Canada, an immigrant who qualifies for legal permanent
residence is a:
1. convention refugee
2. C1 visa holder
3. landed immigrant
4. foreign national - correct answer -3: landed immigrant - page
281.
All of the following are factors to consider when underwriting
foreign risk EXCEPT:
, Page | 3
1. visa type
2. driving record
3. citizenship
4. anticipated travel - correct answer -2: driving record - page 280.
Preference for a U.S. immigrant visa is given to which of the
following?
a) individuals engaged to U.S. citizens
b) workers with special occupations that are needed in the U.S.
c) parents of U.S. citizens
1. A only is correct.
2. C only is correct.
3. B and C only are correct.
4. A, B, and C are correct. - correct answer -4: A, B, and C are
correct - page 281.
List five factors that underwriters should consider when evaluating
foreign residence and travel. - correct answer -Refer to page 275.
, Page | 4
Describe five positive and five negative risk factors that affect
foreign travel underwriting. - correct answer -Refer to pages 283-
284.
Prolonged airplane travel increases the risk of:
1. asthma
2. pulmonary embolism
3. dementia
4. food poisoning - correct answer -2: pulmonary embolism - page
277.
Favorable factors in underwriting applications involving foreign
travel include all of the following EXCEPT:
1. only major urban areas are visited during travel
2. travel is not immediate
3. the purpose of the travel is for vacation
4. trips are of a long duration - correct answer -4: trips are of a
long duration - pages 283-284.
What are the difficulties associated with obtaining medical records
from a foreign country? - correct answer -Refer to page 286.
ALU 101 EXAM 2026 QUESTIONS AND
ANSWERS| ACE YOUR GRADES.
Flat extra ratings are typically used when assessing which of the
following risks?
a) morbid obesity
b) scuba diving
c) underground mining
1. A only is correct.
2. B only is correct.
3. B and C only are correct.
4. A, B, and C are correct. - correct answer -3: B and C only are
correct - page 250.
When assessing avocation and occupation for life insurance, the
primary concern is:
1. residency
2. morbidity
3. overinsurance
4. accidental death - correct answer -4: accidental death - page
249.
, Page | 2
Discuss the four most common causes of mortality while
mountain climbing. - correct answer -262-263.
Describe the physical requirements required before learning to
scuba dive. - correct answer -Refer to page 253.
List three categories of automotive racing and describe each. -
correct answer -Refer to page 255-256.
In Canada, an immigrant who qualifies for legal permanent
residence is a:
1. convention refugee
2. C1 visa holder
3. landed immigrant
4. foreign national - correct answer -3: landed immigrant - page
281.
All of the following are factors to consider when underwriting
foreign risk EXCEPT:
, Page | 3
1. visa type
2. driving record
3. citizenship
4. anticipated travel - correct answer -2: driving record - page 280.
Preference for a U.S. immigrant visa is given to which of the
following?
a) individuals engaged to U.S. citizens
b) workers with special occupations that are needed in the U.S.
c) parents of U.S. citizens
1. A only is correct.
2. C only is correct.
3. B and C only are correct.
4. A, B, and C are correct. - correct answer -4: A, B, and C are
correct - page 281.
List five factors that underwriters should consider when evaluating
foreign residence and travel. - correct answer -Refer to page 275.
, Page | 4
Describe five positive and five negative risk factors that affect
foreign travel underwriting. - correct answer -Refer to pages 283-
284.
Prolonged airplane travel increases the risk of:
1. asthma
2. pulmonary embolism
3. dementia
4. food poisoning - correct answer -2: pulmonary embolism - page
277.
Favorable factors in underwriting applications involving foreign
travel include all of the following EXCEPT:
1. only major urban areas are visited during travel
2. travel is not immediate
3. the purpose of the travel is for vacation
4. trips are of a long duration - correct answer -4: trips are of a
long duration - pages 283-284.
What are the difficulties associated with obtaining medical records
from a foreign country? - correct answer -Refer to page 286.
