Want to pass your IC38 exam with flying colors? Practice makes perfect! This comprehensive IC38 mock test contains 100 carefully selected questions to help you prepare thoroughly for your insurance agent certification.
Are you preparing for the IC38 exam but feeling overwhelmed by the vast syllabus? Do you need a structured way to test your knowledge before the actual exam? Our IC38 mock test is designed specifically to help insurance agent candidates assess their preparation level and identify areas that need improvement.
Why Should You Take IC38 Mock Tests?
Taking mock tests is one of the most effective ways to prepare for any examination. For insurance professionals aiming to clear the IC38 exam, regular practice with mock tests offers several benefits:
- Familiarizes you with the actual exam pattern
- Helps identify knowledge gaps in your preparation
- Improves time management skills essential for the exam
- Reduces exam anxiety through repeated practice
- Builds confidence as you see improvement over time
Understanding the IC38 Examination Structure
Before diving into the mock test questions, let’s understand what the IC38 exam entails:
| Parameter | Details |
|---|---|
| Full Form | Insurance Agent Certification – Level 38 |
| Conducted By | Insurance Regulatory and Development Authority of India (IRDAI) |
| Eligibility | Minimum 10th pass, Age: 18 years and above |
| Passing Score | Minimum 50% marks |
| Question Format | Multiple Choice Questions (MCQs) |
| Total Questions | 50-70 questions depending on the category |
| Duration | 120 minutes (2 hours) |
Types of Insurance Covered in IC38 Exam
The IC38 exam covers various insurance categories. Your certification will depend on which type you’re pursuing:
| Insurance Type | Focus Areas |
|---|---|
| Life Insurance | Life insurance policies, retirement plans, term insurance |
| General Insurance | Property, motor, health, travel, and other non-life insurance |
| Health Insurance | Medical insurance, critical illness, personal accident |
| Composite License | Combination of different insurance types |
How to Use This Mock Test Effectively?
To get the maximum benefit from this mock test:
- Simulate exam conditions – Set aside 2 hours of uninterrupted time
- Attempt all questions without referring to study materials
- Review incorrect answers thoroughly after completion
- Identify weak areas that need more focus
- Retake the test after studying the challenging topics
IC38 Mock Test Questions
How to Evaluate Your Mock Test Performance?
After completing the test, use this scoring guide to assess your preparation level:
| Score Range | Preparation Status | Recommendation |
|---|---|---|
| 85-100% | Excellent | Ready for the actual exam |
| 70-84% | Good | Review missed concepts once more |
| 50-69% | Average | Need focused study on weak areas |
| Below 50% | Needs Improvement | Requires comprehensive revision |
Post-Certification Career Opportunities
After clearing the IC38 exam, several career paths open up:
- Insurance agent with various companies
- Insurance advisor for individual clients
- Financial planner incorporating insurance solutions
- Business development associate in insurance companies
- Branch manager after gaining sufficient experience
- Insurance trainer for new recruits
Importance of Continuous Learning in Insurance Sector
The insurance industry is constantly evolving with new products, regulations, and market trends. As a professional in this field, continuous learning offers several advantages:
- Stay updated with regulatory changes from IRDAI
- Learn about new insurance products entering the market
- Understand emerging risk categories and coverage options
- Develop better customer service skills through ongoing training
- Increase earning potential with specialized knowledge
Frequently Asked Questions (FAQ)
The IC38 exam is a certification test conducted by the Insurance Regulatory and Development Authority of India (IRDAI) for individuals seeking to become licensed insurance agents in India.
The actual IC38 exam typically contains 50-70 multiple-choice questions depending on the insurance category you are applying for.
Candidates need to score a minimum of 50% marks to pass the IC38 examination.
You can register for the IC38 exam through the official IRDAI website or through the insurance company you wish to represent.
No, there is no negative marking in the IC38 examination. Incorrect answers do not result in mark deduction.
The IC38 certification is valid for three years, after which it needs to be renewed through a simplified process.
Yes, you can reattempt the IC38 exam if you fail. However, there is usually a waiting period before you can reappear.
The minimum educational qualification for appearing in the IC38 exam is 10th standard pass.
Yes, candidates must be at least 18 years old to take the IC38 exam.
Yes, IRDAI-approved study materials are available for IC38 preparation. These can be obtained from the insurance company you wish to represent or from authorized training institutes.
References
- Insurance Regulatory and Development Authority of India (IRDAI) – https://www.irdai.gov.in
- IRDAI Agent Licensing Information – https://www.irdai.gov.in/licensing-registration
- Insurance Institute of India – https://www.insuranceinstituteofindia.com
- National Insurance Academy – https://niapune.org.in
- Life Insurance Council – https://www.lifeinsurancecouncil.org
- General Insurance Council – https://www.gicouncil.in
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Ajit Rathod is a knowledgeable contributor to SarkariExam.center, dedicated to providing practical insights for government job aspirants. He holds a Bachelor of Technology (B.Tech) in Computer Science from RK University. A Rathod’s guidance is informed by his direct experience in preparing for and appearing in a range of competitive government examinations, including GPSC (2018), GATE (2018), PSI (2024), SRP Exam (2023), LRB (2023), and the Gujarat Forest Guard / Van Rakshak (Class II) exam (2024). He is also actively preparing for upcoming examinations such as the Constable Exam (2025) and RMC (2025). This firsthand experience with diverse exam patterns, syllabi, and preparation strategies allows Ajit to share credible and helpful content for fellow candidates navigating their own exam journeys.