EDITED BY NURSEMIA
ALU 101 Sample Test Questions And Correct Detailed
Answers (Verified Answers) Already Graded A+
1. The test that measures thyroid function is:
• A) thoracentesis
• B) fine needle aspirate (FNA)
• C) fluorescein angiography
• D) radioactive iodine uptake
Correct Answer: D) radioactive iodine uptake
Rationale: A radioactive iodine uptake test measures how much iodine the thyroid gland
absorbs from the blood, which is a direct indicator of how well the gland is functioning.
2. The cardiac ejection fraction measures the:
• A) pumping ability of the heart
• B) degree of atherosclerosis
• C) carotid intimal-medial thickness
• D) level of radioisotope in the heart
Correct Answer: A) pumping ability of the heart
Rationale: Ejection fraction is the percentage of blood leaving your heart each time it
contracts, making it a primary measurement of the heart's pumping efficiency.
3. The measure of a test's ability to exclude the possibility of a particular disease is:
• A) sensitivity
• B) reliability
• C) reasonability
• D) specificity
Correct Answer: D) specificity
1
, EDITED BY NURSEMIA
Rationale: Specificity refers to a test's ability to correctly identify individuals who do not
have the disease (true negative rate), thereby excluding it.
4. The benefit that allows additional insurance coverage to be purchased at certain
times during the life of the contract is the:
• A) guaranteed insurability option
• B) change of plan provision
• C) extended maturity option
• D) entire contract provision
Correct Answer: A) guaranteed insurability option
Rationale: This rider allows the policyholder to buy additional life insurance at specified
dates or life events without needing to prove insurability (e.g., no medical exam).
5. The principal cause of hang gliding accidents is:
• A) pilot error
• B) weather
• C) physical demands
• D) equipment malfunction
Correct Answer: A) pilot error
Rationale: Statistically, the vast majority of aviation and hang-gliding accidents are
attributed to human error rather than structural failure or weather.
6. When underwriting an individual for key person life insurance, all of the following
are considerations EXCEPT:
• A) business history of the company
• B) number of key employees in the company
• C) age of the proposed insured
• D) cost of estate taxes at the proposed insured's death
Correct Answer: D) cost of estate taxes at the proposed insured's death
Rationale: Key person insurance protects the business against the loss of a vital employee.
Personal estate taxes are irrelevant to the business's financial loss.
2
, EDITED BY NURSEMIA
7. Features of term life insurance contracts typically include all of the following
EXCEPT:
• A) convertibility
• B) defined period of coverage
• C) cash value
• D) renewability
Correct Answer: C) cash value
Rationale: Term life insurance provides pure death benefit protection for a specific period
and does not accumulate cash value, unlike whole or universal life insurance.
8. All of the following statements regarding the instrument flight rating are correct
EXCEPT:
• A) It is held by approximately half of the pilot population.
• B) It indicates mastery of instruments for aircraft navigation.
• C) It is a required rating for commercial pilots.
• D) It limits pilots to flying in daylight hours.
Correct Answer: D) It limits pilots to flying in daylight hours.
Rationale: An instrument rating actually expands a pilot's capabilities, allowing them to fly
in low visibility (clouds, fog) and at night, rather than limiting them to daylight.
9. The estimated glomerular filtration rate (eGFR) is based on all of the following
EXCEPT:
• A) serum creatinine
• B) serum albumin
• C) age
• D) gender
Correct Answer: B) serum albumin
Rationale: The standard eGFR calculation uses serum creatinine levels, age, gender, and
sometimes race. Serum albumin is a liver protein and is not used in this specific kidney
function formula.
3
ALU 101 Sample Test Questions And Correct Detailed
Answers (Verified Answers) Already Graded A+
1. The test that measures thyroid function is:
• A) thoracentesis
• B) fine needle aspirate (FNA)
• C) fluorescein angiography
• D) radioactive iodine uptake
Correct Answer: D) radioactive iodine uptake
Rationale: A radioactive iodine uptake test measures how much iodine the thyroid gland
absorbs from the blood, which is a direct indicator of how well the gland is functioning.
2. The cardiac ejection fraction measures the:
• A) pumping ability of the heart
• B) degree of atherosclerosis
• C) carotid intimal-medial thickness
• D) level of radioisotope in the heart
Correct Answer: A) pumping ability of the heart
Rationale: Ejection fraction is the percentage of blood leaving your heart each time it
contracts, making it a primary measurement of the heart's pumping efficiency.
3. The measure of a test's ability to exclude the possibility of a particular disease is:
• A) sensitivity
• B) reliability
• C) reasonability
• D) specificity
Correct Answer: D) specificity
1
, EDITED BY NURSEMIA
Rationale: Specificity refers to a test's ability to correctly identify individuals who do not
have the disease (true negative rate), thereby excluding it.
4. The benefit that allows additional insurance coverage to be purchased at certain
times during the life of the contract is the:
• A) guaranteed insurability option
• B) change of plan provision
• C) extended maturity option
• D) entire contract provision
Correct Answer: A) guaranteed insurability option
Rationale: This rider allows the policyholder to buy additional life insurance at specified
dates or life events without needing to prove insurability (e.g., no medical exam).
5. The principal cause of hang gliding accidents is:
• A) pilot error
• B) weather
• C) physical demands
• D) equipment malfunction
Correct Answer: A) pilot error
Rationale: Statistically, the vast majority of aviation and hang-gliding accidents are
attributed to human error rather than structural failure or weather.
6. When underwriting an individual for key person life insurance, all of the following
are considerations EXCEPT:
• A) business history of the company
• B) number of key employees in the company
• C) age of the proposed insured
• D) cost of estate taxes at the proposed insured's death
Correct Answer: D) cost of estate taxes at the proposed insured's death
Rationale: Key person insurance protects the business against the loss of a vital employee.
Personal estate taxes are irrelevant to the business's financial loss.
2
, EDITED BY NURSEMIA
7. Features of term life insurance contracts typically include all of the following
EXCEPT:
• A) convertibility
• B) defined period of coverage
• C) cash value
• D) renewability
Correct Answer: C) cash value
Rationale: Term life insurance provides pure death benefit protection for a specific period
and does not accumulate cash value, unlike whole or universal life insurance.
8. All of the following statements regarding the instrument flight rating are correct
EXCEPT:
• A) It is held by approximately half of the pilot population.
• B) It indicates mastery of instruments for aircraft navigation.
• C) It is a required rating for commercial pilots.
• D) It limits pilots to flying in daylight hours.
Correct Answer: D) It limits pilots to flying in daylight hours.
Rationale: An instrument rating actually expands a pilot's capabilities, allowing them to fly
in low visibility (clouds, fog) and at night, rather than limiting them to daylight.
9. The estimated glomerular filtration rate (eGFR) is based on all of the following
EXCEPT:
• A) serum creatinine
• B) serum albumin
• C) age
• D) gender
Correct Answer: B) serum albumin
Rationale: The standard eGFR calculation uses serum creatinine levels, age, gender, and
sometimes race. Serum albumin is a liver protein and is not used in this specific kidney
function formula.
3
