An IC22 Mock Test copies the real Life Insurance Underwriting exam. Since the Insurance Institute of India sets this paper, every question matches the official pattern. Once you start a test, you get 100 multiple choice questions inside a 120 minute window. SarkariExam.Center gives free and paid IC22 mock tests with instant scoring. So, practice here, and walk in with a plan instead of guesswork.
This page covers the IC22 exam pattern, the full syllabus, and a step by step study plan. Besides the plan, you get sample decision based questions and time management tips. You also find clear answers to common doubts about the IC22 paper.
IC22 Exam Pattern, Marks, and Syllabus Chapters
The IC22 exam follows a fixed, objective pattern. Once you log in, you answer 100 multiple choice questions inside 120 minutes. You need 60% marks or higher to pass. Since wrong answers carry no penalty, you can attempt every question. The paper sits at the Associateship level. Besides that, it carries 30 credit points toward the 250 credit Associateship diploma.
| Exam Detail | Specification |
|---|---|
| Exam Name | IC22, Life Insurance Underwriting |
| Conducting Body | Insurance Institute of India (III) |
| Total Questions | 100 multiple choice questions |
| Duration | 120 minutes |
| Passing Marks | 60% and above |
| Negative Marking | None |
| Credit Points | 30, at the Associateship level |
| Exam Mode | Online, computer based |
IC22 belongs to a group of four compulsory subject codes. These codes are 22, 26, 45, and 46, at the Associateship level. Life insurance professionals usually pick IC22 with IC26. Unlike life insurance professionals, non life candidates pick IC45 with IC46. You must pass the Licentiate exam first. After that, Associateship registration opens.
IC22 Syllabus Chapters in the Mock Test
The official IC22 textbook contains 15 chapters. The first six chapters cover underwriting principles, structure, financial underwriting, occupational risk, and reinsurance. The remaining nine chapters cover medical underwriting. Still, they test major body systems, such as the heart, the lungs, and the nervous system.
| Chapter | Topic |
|---|---|
| 1 | Life Underwriting: Principles and Concepts, Part 1 |
| 2 | Life Underwriting: Principles and Concepts, Part 2 |
| 3 | Underwriting: Structure and Process |
| 4 | Financial Underwriting |
| 5 | Occupational, Avocational, and Residential Risks |
| 6 | Reinsurance |
| 7 | Blood Disorders |
| 8 | Nervous System |
| 9 | Diabetes Mellitus |
| 10 | Thyroid Diseases |
| 11 | Urinary System |
| 12 | Respiratory System |
| 13 | Gastrointestinal (Digestive) System |
| 14 | Cardiovascular System |
| 15 | Special Senses: Eyes, Ears, and Nose |
Why You Need Mock Test Practice Before the IC22 Exam
Mock test practice closes the gap between theory and timed performance. A timed test shows you which chapters need more revision before exam day. Working professionals often have limited study hours. Yet, one chapter test can reveal weak spots in under an hour.
Benefits of IC22 Mock Test Practice
- Real exam simulation, with a 120 minute timer and 100 questions
- Instant score reports, showing your weak chapters and strong chapters
- Chapter wise tests, for chapters such as Reinsurance, Diabetes Mellitus, and Financial Underwriting
- Detailed explanations, walking through medical terms, formulas, and decision logic
- Unlimited re attempts, so you can retest a chapter until your score crosses 70%
- Mobile and desktop access, for practice during commute or break time
- Decision based questions, matching the practical style used in the real paper
IC22 Mock Test Features on SarkariExam.Center
SarkariExam.Center gives you a question bank built around the current IC22 syllabus. Every question carries a short explanation, written in plain language. So, you remember the concept, not just the answer.
| Test Type | Questions | Duration | Purpose |
|---|---|---|---|
| Chapter Test | 30 to 50 | 30 to 45 minutes | Build mastery one chapter at a time |
| Full Length Mock | 100 | 120 minutes | Copy the real exam experience |
| Quick Topic Quiz | 15 to 25 | 15 to 20 minutes | Revise a single concept fast |
| Decision Based Practice Set | 25 to 40 | 25 to 35 minutes | Practice real underwriting calls |
Question Bank Coverage
- Multiple choice questions, mapped to all 15 syllabus chapters
- Chapter wise tests, for focused practice on one topic at a time
- Full length mock exams, with 100 questions and a 120 minute timer
- Decision based questions, for medical, financial, and reinsurance scenarios
- Medical terms explained in plain language, such as diplopia, dyspnea, and hepatitis
- Financial underwriting calculations solved step by step, such as human life value
- Reinsurance questions, covering retention limits, cession, and treaty arrangements
IC22 Syllabus Chapters Covered in Detail
Chapters 1 and 2: Life Underwriting Principles and Concepts
These two chapters build your base in underwriting logic. After that, you learn standard risk, substandard risk, and how an underwriter classifies an applicant. Mock questions test mortality risk, premium loading, and the basic decision process behind every policy.
Chapter 3: Underwriting Structure and Process
Once a proposal arrives, this chapter shows how it moves to a final decision. You study non medical limits, numerical rating methods, and judgment based methods. Practice questions ask you to apply these methods to short case scenarios.
Chapter 4: Financial Underwriting
Since the requested cover must match income, financial underwriting reviews each case. Topics include human life value, insurance for housewives and minors, key person cover, and partnership insurance. Mock tests include solved calculations, so you see each step instead of just the final number.
Chapter 5: Occupational, Avocational, and Residential Risks
This chapter studies risk linked to a person’s job, hobbies, and living location. Underwriters rate occupations, such as mining, aviation, and offshore work, differently from desk jobs. Mock questions test how a hobby, like scuba diving, changes the underwriting decision. Likewise, a residence in a flood prone area can shift the outcome.
Chapter 6: Reinsurance
Reinsurance protects an insurer when a single risk crosses its retention limit. Also, you study facultative and treaty reinsurance, along with cession and retrocession. A typical mock question gives a retention limit and a sum assured. Then, it asks you to calculate the amount ceded to the reinsurer.
Chapters 7 to 15: Medical Underwriting Across Body Systems
Nine chapters cover medical underwriting. These include blood disorders, the nervous system, diabetes mellitus, and thyroid disease. Other chapters test the urinary system, the respiratory system, the digestive system, and the cardiovascular system. The final chapter covers disorders of the eyes, ears, and nose. Since nine of 15 chapters test medical topics, they carry most of the question paper. Each mock question links a medical condition to an underwriting decision. For example, hypothyroidism might lead to standard acceptance. A congenital heart defect might need an extra premium, or a postponed case.
Step by Step IC22 Preparation Plan With Mock Tests
Start with one full length mock test to find your starting score. Then, move chapter by chapter, beginning with your weakest area first.
- Attempt a baseline test that covers all 15 chapters, so you see your starting score
- Study weak chapters first, using the official III textbook or a similar reference
- Practice a chapter test right after each study session, while the concept is still fresh
- Read every explanation for wrong answers, since this builds your real understanding
- Repeat a chapter test until your score crosses 70%, if your first attempt falls short
- Attempt full length mocks, once all 15 chapters cross 70%
- Time yourself under the real 120 minute limit during your last five mock tests
- Revise medical terms and formulas, using short, topic wise quizzes before exam day
Time Management Tips for IC22 Exam Day
- Spend about one minute per question, on average, to leave time for review
- Answer easy questions first, so you build speed before harder questions appear
- Mark tough questions for review, instead of losing time on a single doubt
- Review your pace after every 25 questions, to stay on track for all 100
- Keep the last 10 minutes for a final review of marked questions
- Use elimination first on confusing options, since this narrows your choice fast
Common Mistakes That Cost Marks in the IC22 Exam
Most failed attempts share the same few mistakes. Still, you can avoid each one with a clear study plan and regular mock practice.
- Skipping the nine medical chapters, since they feel harder than financial topics
- Avoiding decision based questions, instead of practicing the underwriting logic behind them
- Memorizing isolated facts about reinsurance, rather than understanding the retention and cession logic
- Ignoring the 120 minute timer during practice, which leads to incomplete papers on exam day
- Moving to a new chapter, without reviewing wrong answers from the last mock test
Track Your IC22 Mock Test Score and Progress
A score report shows more than your final percentage. Besides the score, it breaks down accuracy by chapter, time per question, and your overall trend.
| Metric | What It Shows | Target to Aim For |
|---|---|---|
| Overall Accuracy | Correct answers across all attempts | 75% and above |
| Time per Question | Average seconds spent on each question | Under 70 seconds |
| Medical Chapter Score | Accuracy across the nine medical chapters | 70% and above |
| Decision Question Score | Accuracy on practical underwriting scenarios | 65% and above |
| Full Mock Score | Score on complete 100 question tests | 60% and above, matching the real pass mark |
IC22 Compared With Other III Exam Papers
IC22 tests Life Insurance Underwriting only. Other papers in the same Associateship group test different subjects. Instead, candidates often confuse the syllabus across these papers.
IC24 covers legal topics instead, such as nomination, assignment, and the Married Women’s Property Act. Unlike IC24, IC22 stays focused on underwriting and medical chapters. So, save legal topics for your IC24 preparation instead.
Related III Exam Papers
- IC02, Practice of Life Insurance, at the Licentiate level
- IC23, Application of Life Insurance, covering products and riders
- IC24, Legal Aspects of Life Assurance, covering contracts and claims law
- IC26, Life Insurance Finance, a 30 credit compulsory paper alongside IC22
- IC27, Health Insurance, an optional paper for added credit points
- IC45, General Insurance Underwriting, the non life equivalent of IC22
IC22 Registration Process on the III Portal
You register for IC22 directly on the official Insurance Institute of India website. First, create your login. Then, complete your candidate profile. After that, pick an Associated Institute near your home or workplace.
- Sign up on the III website, and set up your login id
- Complete your profile, with personal details and a recent photograph
- Select an Associated Institute close to your home or office
- Open Paper Enrollment under Professional Examination, then choose IC22
- Pick your preferred exam date, time slot, and centre
- Pay the registration and exam fee through the portal
- Download your admit card from your login before exam day
You must pass the Licentiate exam before you register for IC22. III caps each session at six papers. So, plan your subject choices around this limit.
Documents Needed for IC22 Registration
- A valid government photo ID, such as Aadhaar, PAN, or passport
- A recent passport size photograph for your profile
- An active email address and mobile number for updates
- A payment method, such as net banking, card, or UPI
- Your admit card, downloaded from your III login before the exam
After IC22: Credits, Validity, and Career Value
Passing IC22 adds 30 credit points toward the 250 credit Associateship diploma. Besides IC22, you need 250 credits in total, including 60 from Licentiate level papers.
Credit points stay valid for five years from the date you pass each subject. So, finish your remaining Associateship papers within that window, if you want to keep your IC22 credit.
Career Roles Linked to IC22 Certification
- Life insurance underwriter, reviewing proposals and medical reports
- Risk assessment officer, working on occupational and residential risk
- Medical underwriting specialist, evaluating health and lifestyle risk
- Claims underwriter, reviewing death claim documentation
- Reinsurance officer, handling cession and treaty arrangements
Each role builds toward the AIII designation. Once you cross 250 credit points, the Insurance Institute of India awards this Associate title.
Free vs Paid IC22 Mock Tests: Which One to Pick
A free IC22 mock test gives a quick read on your level. Yet, it covers just 20 to 50 questions. A paid plan adds full chapter coverage, complete explanations, and performance tracking.
Pick the free demo first, if you want a quick read before you commit. Pick a paid plan next, once your prep needs grow. Most IC22 candidates need more than a single short test.
Signs of a Reliable IC22 Mock Test
- Full coverage of all 15 syllabus chapters, not just a few popular topics
- Clear explanations for every question, not just the correct option
- A real 120 minute, 100 question mock that matches the exam format
- Regular updates, so questions match the current III syllabus
- Score reports broken down by chapter, time per question, and overall accuracy
- Mobile access, so you can practice between work tasks or during travel
- Decision based questions, since these match the practical style of the real paper
Sample IC22 Mock Test Question Styles
Every IC22 mock question on this page comes with a clear explanation. Here is how three common question styles look in practice.
Medical decision style: An applicant had asthma 15 years back, with no symptoms since. The correct underwriting call is usually standard acceptance. Since the condition sits far in the past, current risk stays low.
Financial calculation style: A 30 year old applicant earns 8 lakh rupees a year. This person has 25 years left to retirement. A human life value question asks you to apply a set discount rate. Then, you calculate the recommended cover step by step.
Reinsurance style: An insurer holds a 50 lakh rupee retention limit. Then, this insurer receives a proposal for 2 crore rupees. A facultative reinsurance question asks how much of that sum moves to the reinsurer.
Frequently Asked Questions About IC22 Mock Test
The IC22 exam contains 100 multiple choice questions. You get 120 minutes to complete the paper. Besides that, wrong answers carry no negative marking.
You need 60% marks or higher to pass IC22. That means at least 60 correct answers out of 100 questions.
Most candidates benefit from 10 to 15 full length mock tests. Besides that, chapter wise tests help for each of the 15 syllabus chapters. Daily practice across the final month builds both speed and accuracy.
Although exact questions rarely repeat, question patterns and decision scenarios stay similar across sessions. Practice with updated mock tests, so you recognize familiar patterns on exam day.
You can attempt IC22 without mock tests. Yet, a timed practice habit lowers your risk of running short on time. Mock tests also reveal gaps that textbook reading alone often misses.
Start Your IC22 Mock Test Practice Now
Begin with a baseline mock test. Then, move chapter by chapter until every score crosses 70%. SarkariExam.Center keeps your IC22 question bank current with the latest syllabus. So, your practice stays close to the real exam.
Practice today, and walk into your IC22 exam with a clear plan instead of last minute stress.
