EDITED BY NURSEMIA
ALU 101 Book Questions Correct and Verified
Answers Graded A
1. Without a properly signed application, a life insurance contract can be considered to be
which of the following?
A. Invalid
B. Inadmissible as evidence
C. Material representation
Options:
1. A only is correct
2. A and B are correct
3. B and C are correct
4. A, B and C are correct
Correct Answer: 2 (A and B are correct)
2. A procedure that uses high frequency sound waves to image soft tissue:
1. X-ray
2. Fluoroscopy
3. Ultrasonography (US)
4. Computed tomography (CT)
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, EDITED BY NURSEMIA
Correct Answer: 3
3. Procedures used to identify coronary artery disease include all of the following EXCEPT:
1. Electron beam computed tomography (EBCT)
2. Myocardial perfusion scan
3. Positron emission tomography (PET)
4. Magnetic resonance angiography (MRA)
Correct Answer: 3
4. Tests used to assist in identifying lung cancer include which of the following?
A. Chest x-ray
B. Computed tomography (CT) scan
C. Bronchoscopy
Options:
1. B only is correct
2. A and C only are correct
3. B and C only are correct
4. A, B and C are correct
Correct Answer: 4
5. Describe the tests used to diagnose brain and nervous system disorders.
Correct Answer: CT, MRI, PET, and Cisternography.
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, EDITED BY NURSEMIA
Rationale: These imaging modalities allow for detailed visualization of brain structures and
metabolic activity. CT and MRI provide high-resolution structural images, PET scans show
metabolic function, and cisternography evaluates the flow of cerebrospinal fluid, making them
essential for diagnosing neurological disorders.
6. Describe the difference between invasive and non-invasive testing techniques.
Correct Answer: Invasive testing involves puncturing the skin or entering the body (e.g., cutting
deep, inserting scopes or catheters), while non-invasive testing does not break the skin or enter
the body.
Rationale: Understanding this distinction is crucial in underwriting and medicine, as invasive
procedures carry higher risks of infection, bleeding, and recovery time compared to non-
invasive procedures (like external ultrasounds or standard X-rays).
7. Which of the following are recorded during a sleep study?
A. Body position
B. Oxygen saturation
C. Electroencephalogram (EEG)
Options:
1. A and B only are correct
2. A and C only are correct
3. B and C only are correct
4. A, B and C are correct
Correct Answer: 4
8. Obstructive sleep apnea is diagnosed by:
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, EDITED BY NURSEMIA
1. Pulmonary angiography
2. Pulmonary function tests (PFTs)
3. Polysomnography
4. Bronchoscopy
Correct Answer: 3
9. List the endoscopic exams used to diagnose and treat abdominal pathology.
Correct Answer: Colonoscopy and Endoscopy (Upper GI Endoscopy).
Rationale: Both procedures involve using a flexible tube with a camera to visually inspect the
gastrointestinal tract. An endoscopy typically looks at the upper GI tract (esophagus, stomach,
duodenum), while a colonoscopy examines the lower GI tract (colon and rectum).
10. List the common medical conditions often diagnosed by pelvic or transvaginal ultrasound.
Correct Answer: Pregnancy, and cervical or uterine cancer.
Rationale: Pelvic and transvaginal ultrasounds provide clear imaging of the female reproductive
organs, making them the primary non-invasive tools for monitoring fetal development or
identifying abnormal masses, cysts, and tumors in the uterus or cervix.
11. What are the most common measurements of pulmonary function (PFTs) seen in
underwriting?
Correct Answer: 1. FVC (Forced Vital Capacity), 2. FEV1 (Forced Expiratory Volume at 1 second),
3. FEV1/FVC ratio, 4. Diffusing capacity (DLCO).
Rationale: These four metrics offer a comprehensive view of lung health. FVC and FEV1 help
distinguish between restrictive and obstructive lung diseases, the ratio confirms airflow
limitation, and DLCO measures how well oxygen transfers into the blood.
PAGE 4
ALU 101 Book Questions Correct and Verified
Answers Graded A
1. Without a properly signed application, a life insurance contract can be considered to be
which of the following?
A. Invalid
B. Inadmissible as evidence
C. Material representation
Options:
1. A only is correct
2. A and B are correct
3. B and C are correct
4. A, B and C are correct
Correct Answer: 2 (A and B are correct)
2. A procedure that uses high frequency sound waves to image soft tissue:
1. X-ray
2. Fluoroscopy
3. Ultrasonography (US)
4. Computed tomography (CT)
PAGE 1
, EDITED BY NURSEMIA
Correct Answer: 3
3. Procedures used to identify coronary artery disease include all of the following EXCEPT:
1. Electron beam computed tomography (EBCT)
2. Myocardial perfusion scan
3. Positron emission tomography (PET)
4. Magnetic resonance angiography (MRA)
Correct Answer: 3
4. Tests used to assist in identifying lung cancer include which of the following?
A. Chest x-ray
B. Computed tomography (CT) scan
C. Bronchoscopy
Options:
1. B only is correct
2. A and C only are correct
3. B and C only are correct
4. A, B and C are correct
Correct Answer: 4
5. Describe the tests used to diagnose brain and nervous system disorders.
Correct Answer: CT, MRI, PET, and Cisternography.
PAGE 2
, EDITED BY NURSEMIA
Rationale: These imaging modalities allow for detailed visualization of brain structures and
metabolic activity. CT and MRI provide high-resolution structural images, PET scans show
metabolic function, and cisternography evaluates the flow of cerebrospinal fluid, making them
essential for diagnosing neurological disorders.
6. Describe the difference between invasive and non-invasive testing techniques.
Correct Answer: Invasive testing involves puncturing the skin or entering the body (e.g., cutting
deep, inserting scopes or catheters), while non-invasive testing does not break the skin or enter
the body.
Rationale: Understanding this distinction is crucial in underwriting and medicine, as invasive
procedures carry higher risks of infection, bleeding, and recovery time compared to non-
invasive procedures (like external ultrasounds or standard X-rays).
7. Which of the following are recorded during a sleep study?
A. Body position
B. Oxygen saturation
C. Electroencephalogram (EEG)
Options:
1. A and B only are correct
2. A and C only are correct
3. B and C only are correct
4. A, B and C are correct
Correct Answer: 4
8. Obstructive sleep apnea is diagnosed by:
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, EDITED BY NURSEMIA
1. Pulmonary angiography
2. Pulmonary function tests (PFTs)
3. Polysomnography
4. Bronchoscopy
Correct Answer: 3
9. List the endoscopic exams used to diagnose and treat abdominal pathology.
Correct Answer: Colonoscopy and Endoscopy (Upper GI Endoscopy).
Rationale: Both procedures involve using a flexible tube with a camera to visually inspect the
gastrointestinal tract. An endoscopy typically looks at the upper GI tract (esophagus, stomach,
duodenum), while a colonoscopy examines the lower GI tract (colon and rectum).
10. List the common medical conditions often diagnosed by pelvic or transvaginal ultrasound.
Correct Answer: Pregnancy, and cervical or uterine cancer.
Rationale: Pelvic and transvaginal ultrasounds provide clear imaging of the female reproductive
organs, making them the primary non-invasive tools for monitoring fetal development or
identifying abnormal masses, cysts, and tumors in the uterus or cervix.
11. What are the most common measurements of pulmonary function (PFTs) seen in
underwriting?
Correct Answer: 1. FVC (Forced Vital Capacity), 2. FEV1 (Forced Expiratory Volume at 1 second),
3. FEV1/FVC ratio, 4. Diffusing capacity (DLCO).
Rationale: These four metrics offer a comprehensive view of lung health. FVC and FEV1 help
distinguish between restrictive and obstructive lung diseases, the ratio confirms airflow
limitation, and DLCO measures how well oxygen transfers into the blood.
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