PCE Mock Examination - Set 2: Hong Leong Assurance Berhad (94613-X) Financial Services Academy (Jul 2011

PCE Mock Examination Set 2
1. What will happen when the insured commit suicide within a stated period of time from the
date of inception or reinstatement of the policy?
a. Void, premium paid will be refunded.
b. Void, premium paid will not be refunded.
c. The insurer becomes liable and pays the claim.
d. The policy becomes voidable and premium will be refunded.
2.
____________ is the cause of loss.

a. Risk
b. Hazard
c. Peril
d. Subrogation
3.
What are the categories of risk?

a. Fundamental & Speculative Risk
b. Particular & Speculative Risk
c. Particular & Pure Risk
d. Fundamental & Particular Risk / Pure & Speculative Risk
4. In life insurance, insurable interest must exist: a. At the time of loss.

b. During the currency of the policy.
c. At the time of effecting the insurance contract.
d. At the inception of the contract and at the time of loss.
5.
The principle of Utmost Good Faith has to be observed by:

a. The insured
b. The insurer
c. Both the insurer and the insured
d. The proposer
6.
Perils that have been expressly excluded from the policy are known as:
a. Insured perils
b. Excluded perils
c. Uninsured perils
d. Exception perils
Hong Leong Assurance Berhad (94613-X)

Financial Services Academy (Jul 2011)

7. Which of the followings are the code of ethics and conduct that an intermediary shall
maintain?
I. Ensure the policy proposed is suitable to the needs of the prospective policy owner.
II. Give advice only on those matters in which he is competent to deal with.
III. Share information supplied by the prospective policy owner to other agents for
clarification.
IV. Attempt to persuade a prospective policy owner to cancel any existing policies that are
clearly unsuited for the policy owners needs.
a.
b.
c.
d.
I only
I and II
II and III
III and IV
8. Which of the followings are the functions of Bank Negara Malaysia?

I. Promote the monetary and financial system stability.
II. Fostering a sound and progressive financial sector.
III. Achieve sustained economic growth.
IV. Responsible for the resolution of complaints against insurers.
a.
b.
c.
d.
I only
I, II and III
I, III and IV
All of the above
9. The authority of an agent may be:

a. Expressed
b. Implied
c. Apparent
d. All of the above
10. The rights of an agent include:
I. To receive payment for his service.
II. Entitle to reimbursement of money that he has expanded with the express authority of
his principal.
III. To perform his duties in a manner which he consider appropriate.
IV. Delegate his duties to sub-agent.
a.
b.
c.
d.
I and II
I, II and IV
I, II and III
All of the above


11. Which of the following is NOT termination of agency?
a. Notice of revocation
b. Lapse of time
c. Mutual agreement
d. Ratification
12. An agent who engages in personal selling requires:
a. Product knowledge
b. Market knowledge
c. Selling techniques
d. All of the above
13. ______________ is an admission to a panel hospital by the issuance of a letter of guarantee
that eliminates the hospital deposit.
a. Co-payment hospital admission
b. Deductibles hospital admission
c. Cashless hospital admission
d. Hospitalization cash benefit admission
14. ______________ pays a pre-agreed amount to the insured for each day the insured is
hospitalized.
a. Hospitalization cash benefit insurance
b. Critical illness benefit insurance
c. Medical expenses benefit insurance
d. Disability income insurance
15. The underwriting decision can be classified under:
a. Standard issue and sub-standard issue
b. Standard issue and decline
c. Standard issue, decline and sub-standard issue
d. Standard issue, deferred and sub-standard issue
16. Which of the following is TRUE about anti-selection?
a. More sub-standard risks are accepted for insurance resulting in a less favorable
underwriting result.
b. More sub-standard risks are accepted for insurance resulting in a more favorable
c. More standard risks are accepted for insurance resulting in a less favorable
d. More standard risks are accepted for insurance resulting in a more favorable
17. Which of the following is NOT TRUE about term insurance?
a. The policy offers non-forfeiture option to the policyholder.
b. The policy can be renewed without evidence of insurability.
c. The premium payable is cheaper compare to whole life policy.
d. The policy contains no cash value.

18. Which of the following is TRUE about decreasing term insurance?
a. It provides surrender and maturing value.
b. There will be payment of premium paid upon maturity date.
c. Policies are not subjected to strict underwriting.
d. Lower cost of premium due to the progressive reduction of sum assured.
19. A joint life annuity is:
a. A contract that provides a specific amount of income for two or more persons named in
the contract with the annuity ceasing on first death among covered lives.
b. A contract that provides a specific amount of income for two or more persons named in
the contract with the annuity ceasing of last death among covered lives.
c. A contract provides that the annuity payments continue as long as either of two or more
person lives.
d. A contract that provides guaranteed payments over a fixed period and thereafter until
death.
20. An annuity contract that continues to provide payment until the last death of a joint life is:
a. Joint life annuity
b. Deferred annuity
c. Last survivor
d. Annuity certain
21. Standard Mortality tables are derived from:
a. Combined mortality experience of life insurers operating in the same territory.
b. Mortality experiences of only the life insurers.
c. It is derived from economic, political, and social factors.
d. It is derived from the rate of investment returns factor.
22. Which of the following is TRUE about the distribution of surplus?
a. Simple reversionary bonus
b. Maturity bonus
c. Interim bonus
d. All of the above
23. What are the main sources of surplus?
I. Interest
II. Mortality
III. Expense
IV. Miscellaneous sources
a.
b.
c.
d.
IV only
I, II and III
II, III and IV
All of the above


24. Surplus is distributed through:
a. Simple compound reversionary bonus
b. Compound reversionary bonus
c. Compound simple reversionary bonus
d. Yearly compounded reversionary bonus
25. The policyholders share of surplus can be distributed in the following ways, EXCEPT:
a. Cash bonus
b. Maturity/Terminal bonus
c. Dividend bonus
d. Interim bonus
26. Name, age, sex, occupation and address of the life assured are contained in:
a. The preamble
b. The schedule
c. The heading
d. Attestation
27.
Which of the following is the principles underlying the guidelines on the code of ethics and
conduct?
I. To avoid conflict of interest
II. To avoid misuse of position
III. To prevent misuse of information
IV. To avoid competition with agents
a.
b.
c.
d.
I, II and III
II, III and IV
I, III and IV
All of the above
28. To discontinue a policy or to have a policy made paid-up and then to affect a new one in
another company or the same company is known as:
a. Changing
b. Twisting
c. Replacing
d. Substitute
29. Why is utmost good faith important in an insurance contract?
a. Insurer knows the proposed risk
b. Insured knows the proposed risk
c. Insured can decide rates and terms to be applied
d. Insured and insurer decide the rates and terms to be applied.


30. Which of the following is true about gross premium for participating policies?
a. Net premium plus loading for expenses plus loading for profits and contingencies.
b. Net premium plus loading for expenses.
c. Present value of benefit payable plus present value of expenses less present value of
future premium receivable.
d. None of the above
31. In the Marine Insurance, the insurable interest:
a. Must exist only at the beginning.
b. Must exist only at the time of loss occur.
c. Must exist at the time of inception and at the time of loss.
d. The general rule does not apply to Marine insurance.
32. The present value of benefits payable plus the present value of expenses less the present
value of the future premium receivable is valuation of: a. Asset
b. Liabilities
c. Expenses
d. Future value
33. John at the date of submission of proposal is 30 years and 7 months and he is non-smoker.
The premium rate would be based on:
a. 29 years
b. 29 years and non-smoker discount
c. 31 years
d. 31 years and non-smoker discount
34. For an insurance agent, how many general insurance companies can he/she represent?
a. Not more than 1
b. Not more than 2
c. Not more than 3
d. Only 1
35. The principal and agent relationship may be terminated by act of parties or act of law as
follows, EXCEPT:
a. Written notice
b. Notice of revocation
c. Notice of renunciation
d. Lunacy
36. Which of the following statement is NOT TRUE about the duties of an insurance agent?
a. Avoid conflict of interest
b. Not to accept any secret profit
c. Delegate his duties to his new recruit
d. Comply with principles instruction and to notify him when compliance becomes
impossible.

37. John and his twin sister purchase a whole life insurance plan. The premium varies for both
of them, why?
a. Morbidity rate
b. Mortality rate
c. Gender rate
d. All of the above
38. Name
Age
Occupation
Spouse
:
:
:
:
Mary
47 and married
Freelance
Unemployed
What is the insurance that best suit Mary?

I.
II.
III.
IV.
Dental insurance
Whole life insurance
Maternity insurance
Critical illness insurance
a.
b.
c.
d.
I, II and IV
II and IV
II, III and IV
II and III
39. Which of the following is/are categories of health insurance?

a. Indemnity policies and Benefit policies
b. Benefit policies and Critical Illness policies
c. Benefit Policies
d. Indemnity policies
40. The policy is issued on the life of one of the parents. The child is designated as the
beneficiary and the policy moneys are payable on the child attaining a specified age
mentioned in the policy. This policy refers to:
a. Joint life insurance
b. Children deferred assurance
c. Protected education policies
d. Whole life endowment policies


41. The selling process in personal selling involves five basic steps, what is the missing step?
I.
Locating the prospective customer
II. Creating a sales presentation
III. Conducting the sales interview
IV. _________________________
V. Closing the sales
a.
b.
c.
d.
Conduct customer background

Post-approach
Ask for referral
Handling objection
42. Gross premium for participating policies are computed based on the corresponding element,
they are:
I. Bonus loading
II. Mortality
III. Interest
IV. Expenses
a.
b.
c.
d.
II and III
II, III and IV
I, II and III
All of the above
43. Which of the following department evaluates the risk and determine the premium for new
business and renewal?
a. Actuarial department
b. Underwriting department
c. Agency department
d. Product development department
44. The principle of subrogation has been developed to prevent the insured from getting more
___________, when he has two or more avenues to recover his loss.
a. Indemnity
b. Contribution
c. Indemnity and contribution
d. None of the above
45. The department that handle & processes claims on policies is:
a. Customer service department
b. Finance department
c. Claims department
d. All of the above


46. Endowment insurance is use as a:
I. Convenient and easy means of providing for old age.
II. Means of hedging against the possibilities of untimely death.
III. Means of accumulating fund.
IV. Incentive to save in a systematic way.
a.
b.
c.
d.
I and III
I, III and IV
II, III and IV
All of the above
47. For non-participating policies, the premium charged is computed after taking into account
the elements of mortality, interest, and expenses is called:
a. Net premium
b. True premium
c. Gross premium
d. Loading for expenses
48. The premium payments cease on death and no deduction is made from the claim amount as
with instalment premiums.
The above statement refers to:
a. Level premium
b. Annual premium
c. Instalment premium
d. True premium
49. ____________________ is a policy that requires the policyholder to pay a pre-agreed
amount first before the eligible expenses are reimbursed.
a. Co-payment
b. Co-sharing
c. Claim-expense policy
d. Deductibles
50. ___________________ is a sharing of expenses between policyholder and the insurer.
a. Co-payment
b. Co-sharing
c. Co-payable
d. Co-insurance


51. Which of the following statement is true about insurable interest?
a. It is the transfer of legal rights and liabilities to beneficiaries.
b. It is a legal right to ensure arising from the legitimate financial interest that an insured
has on the subject matter of the insurance.
c. It is a legal right to ensure arising from the legitimate financial interest that an insured
has on the subject matter of the insurance contract.
d. It is a legal right to ensure arising from the legitimate emotional interest that an insured
has on the subject matter of the insurance contract.
52. The member of MIB contributes _____________ to MIB funds.
a.
b.
c.
d.
1 Million
2 Million
3 Million
4 Million
53. Insurable interest exists in the following group, EXCEPT:

a. Husband and wife
b. Brother and sister
c. Creditor and debtor
d. Father and son
54. Which of the following statement is TRUE about concealment?
a. Insured fails to disclose material fact and the breach of utmost good faith.
b. Insurer has waived any requirement for disclosure.
c. Insurer knows or in the ordinary course of his business ought to know.
d. A material fact that will influence a prudent underwriter in deciding the acceptance of
the risk.
55. What is the primary function of insurance?
a. Insurance functions as a means of saving, primarily through the use of endowment
insurance.
b. Insurance helps to remove the fears and worries of losses of individuals and business
executives.
c. Insurance is the equitable distribution of the financial losses of the few who are insured
among the many insured.
d. Insurers accumulate large funds that they hold as custodians and out of which claims
and losses are met.


56. What is/are the secondary function of insurance?
I. Equitable distribution of financial losses
II. Stabilization of costs
III. Provision of means of saving
IV. Provision of sources of capital for investment
a.
b.
c.
d.
I only
I, III and IV
II, III and IV
All of the above
57. The following statements are true about Centralization, EXCEPT:

a. Slow service
b. Uniformity in practice
c. Economic in administration
d. Prompt service
58. Which of the following statement is TRUE about the responsibility of the company
secretary?
a. Ensure the insurer complies with the company and insurance company law.
b. Ensure to take minutes for each meeting or event that have occurred.
c. Ensure correct filing has been done and maintain the filing system.
d. Ensure to report to the CEO or COO on any events happened in the industry and do a
proper follow-up on every event.
59. Features of life insurance contract being long term and implications of surrender value being
less than total premiums paid are usually part of information found in
a. Agents report
b. Endorsements
c. Sales Literature
d. Proposal forms
60. A health insurance policy is automatically terminated upon the earliest happening of the
following events EXCEPT
a. On the death of an insured person.
b. If the lifetime limit paid under the policy is exhausted.
c. On the diagnosis that the insured person has contracted a dread disease.
d. On the policy anniversary immediately following the insured's maximum eligibility age.


61. The process by which the proceeds of a policy are paid other than as a lump sum cash
payment is called
a. Dividend.
b. Reinstatement.
c. Settlement option.
d. Non-forfeiture option.
62. Which one of the following is NOT settlement option of a maturity claims?
a. Cash maturity proceeds
b. Leave the proceed in a bank
c. Draw the cash by installments
d. Conversion of proceeds to an annuity
63. Which of the following particulars are usually found in the schedule of a policy?
I. Sum assured
II. Date of maturity
III. Name and address of the insurer
IV. Name and address of the assured
a.
b.
c.
d.
I, II and III
I, II and IV
I, III and IV
I, II, III and IV
64. Information relating to financial position and sources of income of the life proposed is
generally obtained from the
a. Agent's report.
b. Proposal form.
c. Health declaration.
d. Employer's certificate.
65. This is a method of distributing surplus:
a. Extra or surpluses bonuses.
b. Common and general bonuses.
c. Simple or compound interest bonuses.
d. Simple or compound reversionary bonuses.
66. Life insurance companies usually give certain discounts on premium chargeable to female
lives because
a. Females usually receive smaller incomes.
b. Lesser insurance coverage is given to female lives.
c. They wish to attract female lives in greater numbers.
d. The female mortality rate is generally lower than that of male lives of the same age.


67. What do you understand by the term 'high persistency'?
a. It means that a high percentage of claims arise.
b. It means that a high percentage of agents dropped out of the sales scene.
c. It means that a high percentage of potential insureds sent in proposal forms.
d. It means that a high percentage of policies stay in force to the end of the period of cover
68. The particulars asked for in the proposal form which will help to calculate the premium rates
are
I. Age and gender.
II. Occupation.
III. Additional benefits.
IV. Sum assured and type of policy.
a.
b.
c.
d.
I, II and III
I, III and IV
II, III and IV
I, II, III and IV
69. A situation where more sub-standard risks are accepted for insurance resulting in a less
favourable underwriting result is known as
a. Anti reaction.
b. Contradiction.
c. Anti rejection.
d. Anti selection.
70. On August 1, Mr. Chong submitted a proposal form to an insurer. A letter of acceptance was
issued on August 8, and was delivered to Mr. Chong on August 10. Mr. Chong paid the
initial premium on August 17. A life insurance policy was issued and delivered to Mr. Chong
on September 4. Mr. Chong's life insurance policy was effective on
a. August 8.
b. August 10.
c. August 17.
d. September 4.
71. Under the 'cooling-off ' period, a new life policyholder may, within ________ of the delivery
of the policy to him, return the policy to the insurer for cancellation due to objections to
certain terms in the policy.
a. One week
b. One month
c. 15 days
d. 21 days


72. Special conditions that need to be endorsed at the time of issuing the policy are those
I. Affecting the premium.
II. Affecting the sum insured.
III. Incorporating special benefits.
IV. Incorporating special restrictions.
a.
b.
c.
d.
I and II
II and III
III and IV
I, II, III and IV
73. A provision in a life insurance policy which states that any premium not paid by the end of
the grace period is automatically paid by a policy loan if there is sufficient cash value is
called
a. The renewal provision.
b. An automatic premium loan.
c. The reinstatement provision.
d. An automatic paid-up provision
74. When an applicant for insurance is classified as substandard risk, it means the applicant
a. Will soon die from a disease.
b. Will soon die from an accident.
c. Possesses an average or less than average likelihood of a loss.
d. Possesses a greater than average likelihood of creating a loss.
75. Proceeds from a personal life insurance policy are
a. Taxable.
b. Deductible.
c. Chargeable.
d. Not taxable.
76. This is the value which attaches to a policy of life insurance after a period of at least three
years of being in force.
a. Paid up value
b. Residual value
c. Cash value
d. Forced sale value
77. The conditions in a life insurance policy can be categorized into three groups, namely,
a. Rights, limiting and explaining.
b. Privileges, limiting and clauses.
c. Rights, privileges and restrictions.
d. Privileges, limiting and explaining.


78. A misrepresentation in a life insurance application is considered to be a material
misrepresentation when the
I. Misrepresentation is not relevant to the insurer's acceptance of the risk.
II. Insurer discovers the misrepresentation after the policy's contestable period.
III. Misrepresentation influences the judgement of the underwriter in deciding whether to
accept or decline the risk or in fixing the premium rate.
a.
b.
c.
d.
II only
III only
I and II
I and III
79. An absolute assignment of an endowment policy entitles the

a. Assured to take a policy loan.
b. Assured to surrender the policy.
c. Assured to receive policy proceeds on maturity.
d. Assignee to receive policy proceeds in the event of a claim arising.
80. Which one of the following statements is true about the incontestability clause?
a. The incontestability clause is in the Insurance Act, Section 16(C).
b. The incontestability clause is in the Insurance Act, Section 17(C).
c. No policy after expiry of two years from the date on which it was effected can be called
in question by an insurer on the ground that there is a misrepresentation of age.
d. No policy after expiry of two years from the date on which it was effected can be called
in question by an insurer on the ground that there is a misrepresentation made in the
personal statement.
81. Normally, the life insurance company requires when reinstating a lapsed policy.
a. A health declaration
b. A formal letter from the insured
c. A new application to be submitted
d. The consent of the life insurance agent
82. Which one of the following statements is NOT true?
a. An assignment effectively transfers the ownership or legal rights under the policy.
b. An assignment is the transfer of rights and obligations under a contract from one person
to another.
c. The person who transfers the rights is called an assignor and the person to whom the
rights are transferred is called an assignee.
d. The person who transfers the rights is called an assignee and the person to whom the
rights are transferred is called an assignor.


83. A is the evidence of a contract between the insurer and the insured.
a. Letter of acceptance
b. Life insurance policy
c. Life insurance proposal form
d. Written presentation by an agent
84. This type of insurance provides for installment cash payments to policy holders with the sum
assured being payable in the event of death anytime during the term of this policy.
a. Whole life policy
b. Short term endowment
c. Single life immediate annuity
d. Anticipated endowment insurance
85. The earliest and simplest form of life insurance is the
a. Annuity scheme.
b. Whole life insurance.
c. Level term insurance.
d. Endowment insurance.
86. One of the following policies does NOT accrue any cash or surrender value.
a. Term insurance
b. Whole life insurance
c. Endowment insurance
d. Limited payment whole life insurance
87. Accidental death benefit is a form of
a. Bonus.
b. Basic benefit.
c. Permanent benefit.
d. Supplementary benefit.
88. Identify the major difference between an ordinary whole life policy and a limited payment
whole life policy.
a. An ordinary whole life policy accumulates cash value faster than a limited payment
whole life policy.
b. An ordinary whole life policy is non-participating whereas a limited payment whole life
policy is participating.
c. An ordinary whole life policy gives protection for a lifetime while a limited payment
policy provides protection for a limited period.
d. Premiums on an ordinary whole life policy are payable for the lifetime of the insured
whilst premiums on a limited payment whole life policy are payable for a limited
period.


89. Which of the following are the uses of an endowment policy?
I. As an incentive to save in a systematic manner.
II. As a convenient and easy means of providing for old age.
III. As a means of accumulating a fund for a specific purpose.
IV. As a means of hedging against the possibility of untimely death.
a.
b.
c.
d.
I, II and III
I, II and IV
II, III and IV
I, II, III and IV
90. In this policy, payment of the sum insured is made only in the event of the death of the life
assured within the stipulated term of the policy and nothing is payable if the life assured
survives the term:
a. Children policies.
b. Group insurance.
c. Term assurance.
d. Whole life assurance.
91. A participating policy is
a. For juvenile policies only.
b. A policy that shares in the companys surplus
c. A policy that determines a company's risk exposure.
d. A policy that does not share in the company's surplus.
92. The policyholder of a life insurance policy can transfer all the rights under the policy to
another person by
a. Making an absolute assignment of the policy to that person.
b. Naming that person as the beneficiary of the policy.
c. Appointing that person as his agent.
d. Making a conditional assignment of the policy to that person.
93. Which one of the following is NOT a feature of an endowment policy?
a. It can be a participating or non-participating policy.
b. The endowment period can be 10, 15, 20 or 30 years.
c. It provides maximum death protection and minimum savings.
d. The contract is divided into two parts, namely, a decreasing term insurance and
investment accumulation.
94. Mr. and Mrs. Lee, aged 65 and 60 respectively, are receiving income payment from a life
insurance company. The income will be paid as long as either annuitant is alive. The income
payment will stop upon the death of the last annuitant. What type of annuity contract has
been acquired by the couple?
a. Joint life annuity
b. Deferred annuity
c. Single life annuity
d. Last survivor annuity

95. Mr. Lim purchased a ten years duration convertible term policy at the age of 30. If he elects
to convert the term to a whole life policy at the age of 35 on an attained age basis, then the
premium for the whole life policy will be
a. Term premium age 30.
b. Whole life premium age 30.
c. Whole life premium age 35.
d. Whole life premium age 40.
96. Life insurance is the most practical means of meeting one's financial obligations arising from
premature death because it
a. Creates an immediate estate.
b. Always provides the most money.
c. Is more accessible than savings or stocks.
d. Is a compulsory form of long-term savings.
97. The life insurance contract requires the proposer to disclose to the life office all material facts.
For how long must this duty of disclosure continue?
a. Until the policy attains cash value.
b. For the entire duration of the policy.
c. Until submission of the proposal form to the life office.
d. Until payment of the first premium and a binding premium receipt is issued
98. If no insurable interest existed at the time a life policy was effected, the policy would
a. Remain valid.
b. Become voidable depending on the judgement of the high court.
c. Become void; the company is not obliged to pay a claim under the policy.
d. Become voidable; the company may or may not be obliged to pay a claim under the
policy depending on the discretion of management.
99. In life insurance, the law requires the applicant for a life policy to have insurable interest at
the time the
a. Claim is paid.
b. Policy is issued.
c. Insured person dies.
d. Application for life insurance is made.
100. Under the guidelines on the code of conduct, cases of fraud must be reported immediately to
the
a. Police only.
b. Police and to the board of directors.
c. Police and to Bank Negara Malaysia (BNM).
d. Police and to the audit/ disciplinary committee.

Answers
1 A 11
2 C 12
3 D 13
4 C 14
5 C 15
6 B 16
7 B 17
8 D 18
9 D 19
10 C 20
D
D
C
A
C
A
A
D
A
C
21 A
22 D
23 D
24 B
25 C
26 B
27 A
28 B
29 B
30 A
31 B
32 B
33 D
34 B
35 A
36 C
37 B
38 B
39 A
40 C
41 D
42 D
43 B
44 A
45 C
46 D
47 C
48 D
49 D
50 A
51 B
52 B
53 B
54 A
55 C
56 C
57 D
58 A
59 C
60 C
61 C
62 B
63 B
64 A
65 D
66 D
67 D
68 D
69 D
70 C
71 C
72 D
73 B
74 D
75 D
76 C
77 D
78 B
79 D
80 D
81 A
82 D
83 B
84 D
85 C
86 A
87 D
88 D
89 D
90 C
91 B
92 A
93 C
94 D
95 C
96 A
97 D
98 C
99 D
100 C


PCE Mock Examination - Set 2: Hong Leong Assurance Berhad (94613-X) Financial Services Academy (Jul 2011

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PCE Mock Examination - Set 2: Hong Leong Assurance Berhad (94613-X) Financial Services Academy (Jul 2011

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PCE Mock Examination Set 2

____________ is the cause of loss.

What are the categories of risk?

4. In life insurance, insurable interest must exist: a. At the time of loss.

The principle of Utmost Good Faith has to be observed by:

Hong Leong Assurance Berhad (94613-X)