1|Page
AIC 300 ALL CLAIMS NEWEST 2025/2026 ACTUAL
EXAM COMPLETE QUESTIONS AND 100%CORRECT
DETAILED ANSWERS |UPDATED & GRADED A+
Line underwriter. This describes the duties of a line
underwriter, rather than a staff underwriter. There is not
enough information to determine which line of business is
being written. A public underwriter does not exist. Line
underwriters evaluate new submissions and perform
renewal underwriting, usually by working directly with
insurance producers and applicants. Staff underwriters,
meanwhile, manage risk selection by working with line
underwriters and coordinating decisions about products,
pricing and guidelines.
,2|Page
The first key to communicating empathetically as a claims
professional is
Select one:
A. A comprehensive understanding of relevant insurance
policies.
B. Speaking calmly and clearly.
C. Being prepared with all documentation relating to the
claim.
D. Listening. - ANSWER-D. Listening.
Claims professionals should first listen carefully to
understand what the claimant is saying.
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Mia tracks loss adjustment expense (LAE) as part of her
management of the claims department for an insurer. Mia
considers LAE to be the
Select one:
A. Total amount of loss reserves of all claims.
B. Paid portion of claims.
C. Cost to investigate, defend, and settle claims.
D. Total incurred amount of claims. - ANSWER-C. Cost to
investigate, defend, and settle claims.
Cost to investigate, defend, and settle claims. LAE is the
expense that an insurer incurs to investigate, defend, and
settle claims according to the terms specified in the
insurance policy.
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In her role with an insurer, Katarina has opportunity to
collaborate with not only employees from her company,
but also external experts with particular expertise. For
example, as part of her investigation, she hired an
engineer to conduct a review of a machine that was
involved in a personal injury. Katarina is a(n)
Select one:
A. Medical provider.
B. Expert Witness.
C. Premium auditor.
D. Claim representative. - ANSWER-D. Claim
representative.
AIC 300 ALL CLAIMS NEWEST 2025/2026 ACTUAL
EXAM COMPLETE QUESTIONS AND 100%CORRECT
DETAILED ANSWERS |UPDATED & GRADED A+
Line underwriter. This describes the duties of a line
underwriter, rather than a staff underwriter. There is not
enough information to determine which line of business is
being written. A public underwriter does not exist. Line
underwriters evaluate new submissions and perform
renewal underwriting, usually by working directly with
insurance producers and applicants. Staff underwriters,
meanwhile, manage risk selection by working with line
underwriters and coordinating decisions about products,
pricing and guidelines.
,2|Page
The first key to communicating empathetically as a claims
professional is
Select one:
A. A comprehensive understanding of relevant insurance
policies.
B. Speaking calmly and clearly.
C. Being prepared with all documentation relating to the
claim.
D. Listening. - ANSWER-D. Listening.
Claims professionals should first listen carefully to
understand what the claimant is saying.
,3|Page
Mia tracks loss adjustment expense (LAE) as part of her
management of the claims department for an insurer. Mia
considers LAE to be the
Select one:
A. Total amount of loss reserves of all claims.
B. Paid portion of claims.
C. Cost to investigate, defend, and settle claims.
D. Total incurred amount of claims. - ANSWER-C. Cost to
investigate, defend, and settle claims.
Cost to investigate, defend, and settle claims. LAE is the
expense that an insurer incurs to investigate, defend, and
settle claims according to the terms specified in the
insurance policy.
, 4|Page
In her role with an insurer, Katarina has opportunity to
collaborate with not only employees from her company,
but also external experts with particular expertise. For
example, as part of her investigation, she hired an
engineer to conduct a review of a machine that was
involved in a personal injury. Katarina is a(n)
Select one:
A. Medical provider.
B. Expert Witness.
C. Premium auditor.
D. Claim representative. - ANSWER-D. Claim
representative.
