As you are looking for the solved Question paper of United India Insurance for the post of

A.A.O. Exam so here I am sharing the same with you

1. Which of the following is a General Insurance Company functioning in India ?
(A) Life Insurance Corporation of India
(B) ICICI Prudential
(C) Tata AIG
(D) United India Insurance Company
(E) All are General Insurance Companies
Ans : (D)
2. Who amongst the following is the Regulator of Insurance sector in India ?
(A) RBI
(B) AMFI
(C) IRDA
(D) SEBI
(E) All of these
Ans : (C)
3. Which of the following terms is NOT used in insurance sector ?
(A) Indemnity
(B) Coverage
(C) Misuse Alert
(D) Casualty
(E) Annuity
Ans : (C)

4. Which of the following Public Sector companies/organizations provides insurance cover to

exporters ?
(A) ECGC
(B) NABARD
(C) SIDBI
(D) IRDA
(E) None of these
Ans : (A)
5. The main feature of the National Agricultural Insurance Scheme is to insure which of the
following?
(A) Life of the farmer
(B) Crop of the farmer
(C) Animals who are used in agricultural activities
(D) Land of the farmer
(E) Both Land and family of the farmer
Ans : (B)
6. In which one of the following States was the first UID card issued ?
(A) Gujarat
(B) Manipur

(C) Assam
(D) West Bengal
(E) Maharashtra
Ans : (E)
7. Which of the following books is written by Anita Desai ?
(A) Magic Seeds
(B) The Village by the Sea
(C) A Bend in the River
(D) My God Died Young
(E) None of these
Ans : (B)
8. Expand the term MGNREGA
(A) Mahatma Gandhi National Rural Employment Guarantee Act
(B) Mahatma Gandhi National Rural Employment Guarantee Agency
(C) Mahatma Gandhi National Rural Employment Generation Act
(D) Mahatma Gandhi National Rural Employment Generation Agency
(E) None of these
Ans : (A)
9. Which of the following terms is used in the field of finance and banking?
(A) Elasticity
(B) Inflation
(C) Pulse Rate
(D) Hot waves
(E) Plasma
Ans : (B)
10. With which one of the following sports, Saina Nehwal is associated ?
(A) Chess
(B) Badminton
(C) Long Jump
(D) Lawn Tennis
(E) Table Tennis
Ans : (B)
11. Which one of the following States has passed a bill to regulate the interest rates on
micro-finance ?
(A) Odisha
(B) Haryana
(C) Karnataka
(D) Kerala
(E) Andhra Pradesh
Ans : (E)
12. Which of the following rates are reviewed by the RBI at the time of periodical review of
the policy ?
(a) Bank Rate

(b) Repo Rate

(c) Savings Bank Rate
(A) Only (a)
(B) Only (b)
(C) Both (a) and (b)
(D) All (a), (b) and (c)
(E) Only (c)
Ans : (D)
13. Which one of the following is not included in TAPI gas project ?
(A) Turkmenistan
(B) Pakistan
(C) Afghanistan
(D) India
(E) Iran
Ans : (E)
14. Which one of the following States has passed a legislation to confiscate the property of
corrupt officials and to open schools in these properties ?
(A) West Bengal
(B) Jharkhand
(C) Bihar
(D) Rajasthan
(E) Haryana
Ans : (C)
15. Brihadeeswara Temple has recently celebrated its millennium birthday. In which of the
following States is it located ?
(A) Karnataka
(B) Andhra Pradesh
(C) Kerala
(D) Odisha
(E) Tamil Nadu
Ans : (E)
16. In which one of the following States, Jaitapur Nuclear Power plant is proposed to be set
up ?
(A) Gujarat
(B) Haryana
(C) Odisha
(D) Karnataka
(E) Maharashtra
Ans : (E)
17. According to Planning Commission, in how many years shall the per capita income in
India become double ?
(A) Nine
(B) Five
(C) Seven

(D) Three
(E) None of these
Ans : (A)
18. Expand the term IFRS.
(A) Indian Financial Reporting Standards
(B) Indian Financial Reporting Systems
(C) International Financial Reporting Standards
(D) International Financial Reporting Systems
(E) None of these
Ans : (C)
19. Who is Liu Xiaobo ?
(A) North Korean dissident, who has been awarded Nobel peace prize
(B) Chinese citizen, who has been awarded Nobel peace prize
(C) North Korean dissident, who has been awarded Nobel literature prize
(D) Sportsman who was awarded maximum 8 Gold medals in Commonwealth
(E) None of these
Ans : (B)
20. Who is Hardeep Puri ?
(A) India's permanent representative at UN
(B) Vice President, IMF
(C) Vice President, World Bank
(D) India's ambassador in USA
(E) India's ambassador in UK
Ans : (A)
21. With which one of the following games is Ishant Sharma associated ?
(A) Chess
(B) Badminton
(C) Table Tennis
(D) Volley Ball
(E) Cricket
Ans : (E)
22. With which one of the following games, France's Zinedine Zidane is associated ?
(A) Hockey
(B) Football
(C) Snooker
(D) Volley Ball
(E) Base Ball
Ans : (B)
23. As per recent newspaper reports, which one of the following countries was second
largest importer of goods and services in the world during year 2009-10 ?
(A) China
(B) USA
(C) Japan

(D) Russia
(E) India
Ans : (E)
24. According to RBI governor, which one of the following is the challenge in its monetary
policy ?
(A) Inflation
(B) Inflation and Supportive recovery
(C) Inflation and fiscal deficit
(D) Inflation and high cost of imports
(E) None of these
Ans : (C)
25. Which one of the following Public Sector Organisations has offered largest ever equity
offer ?
(A) SAIL
(B) Coal India
(C) Power Grid
(D) Shipping Corporation of India
(E) None of these
Ans : (B)
26. Through which one of the following sources domestic funds are raised by Companies ?
(a) IPO only
(b) FPO only
(c) Commercial papers
(A) Only (a) and (b)
(B) All (a), (b) and (c)
(C) Only (a) and (c)
(D) Only (a)
(E) Only (c)
Ans : (C)
27. Which one of the following was the reason owing to which Govt. want Reserve Bank of
India to tighten prudential norms for NBFCs ?
(A) To reduce liquidity in the market
(B) It is as per Basel II requirements
(C) It is as per Bank for International Settlement (BIS) directives
(D) It is to protect NBFCs from any impact of possible economic slowdown
(E) None of these
Ans : (D)
28. In the financial year 2009-10, which one of the following Banks has made highest Total
dividend Payout ?
(A) SBI
(B) PNB
(C) Bank of India
(D) Canara Bank
(E) None of these

Ans : (E)
29. In respect of which one of the following countries, India has proposed non payments for
import of crude oil ?
(A) Iran
(B) Iraq
(C) Kuwait
(D) Sudan
(E) U.A.E.
Ans : (A)
30. Through which one of the following methods, RBI has allowed Indian companies to
hedge exchange rate risks associated with trade transactions ?
(A) Forwards
(B) FRA
(C) Swaps
(D) Currency options
(E) Cross currency options
Ans : (D)
31. Which of the following books is written by V. S. Naipaul ?
(A) A Handful of Dust
(B) A House for Mr. Biswas
(C) A Passage to India
(D) Darkness at Noon
(E) None of these
Ans : (B)
32. With which one of the following countries, India has signed agreement to build Multi
Model Transit Transport Project ?
(A) Bangladesh
(B) Myanmar
(C) Sri Lanka
(D) Nepal
(E) Maldives
Ans : (B)
33. Which one of the following countries is Number One Country in terms of Purchasing
Power ?
(A) USA
(B) Germany
(C) China
(D) South Korea
(E) None of these
Ans : (A)
34. Which one of the following directions has been given by Government to Civic bodies ?
(A) They must use 70 per cent of the funds for BPL families
(B) They must use 70 per cent of the funds for the poor living within their jurisdiction

(C) They must use 25 per cent of the funds for BPL families
(D) They must use 25 per cent of the funds for the poor living within their jurisdiction
(E) None of these
Ans : (B)
35. On which one of the following issues a group of business leaders and other eminent
citizens have expressed concern ?
(A) E-Governance
(B) Governance
(C) Fiscal deficit
(D) Governance deficit
(E) None of these
Ans : (B)
36. 'Yuan' is the currency of which one of the following countries ?
(A) Japan
(B) South Korea
(C) North Korea
(D) Taiwan
(E) China
Ans : (E)
37. Which one of the following is a leading power in 17 nation Euro Region ?
(A) Germany
(B) France
(C) Norway
(D) Greece
(E) Portugal
Ans : (A)
38. What are teaser loan rates charged by banks ?
(A) Fixed rate of interest charged by banks
(B) Floating rate of interest charged by banks
(C) Rate of interest in the initial period is less and goes up subsequently
(D) Rate of interest in the initial period is more and it goes down subsequently
(E) None of these
Ans : (C)
39. Expand the term FSDC which is used in financial sectors ?
(A) Financial Security and Development Council
(B) Financial Stability and Development Council
(C) Fiscal Security and Development Council
(D) Fiscal Stability and Development Council
(E) None of these
Ans : (B)
40. According to the 8th Annual Global Retail Development Index (GRDI), which one of the
following countries is 'most attractive' retail market in the world ?
(A) China

(B) India
(C) UAE
(D) Saudi Arabia
(E) Japan
Ans : (B)
41. Govt.'s 'Food-for-work' programme means
(A) to pay in kind to work and build rural infrastructure
(B) supplying balanced diet to workers in rural areas
(C) no-work-no-pay principle
(D) ensuring enough food to rural worker-households
(E) None of these
Ans : (E)
42. The insurance companies collect a fixed amount from its customers at a fixed interval of
time. What
is it called ?
(A) Instalment
(B) Contribution
(C) Premium
(D) EMI
(E) Service Charge
Ans : (A)
43. Which of the following is/are the various types of insurance ?
(a) Life Insurance
(b) Health Insurance
(c) Liability Insurance
(A) Only (a)
(B) Only (b)
(C) Only (c)
(D) All (a), (b) and (c)
(E) Only (a) and (b)
Ans : (D)
44. What is the full form of 'ESOPs' as seen in financial newspapers ?
(A) Employee Stock Ownership Plan
(B) Executive Salary Options
(C) Emergency Stock Operations
(D) Early Sales Opportunities
(E) Executive Stock Ownership
Ans : (A)
45. Who are considered Super Senior Citizen as per budget 2011-12 ? Those who have
completed a minimum age of
(A) 65 years
(B) 70 years
(C) 75 years
(D) 80 years

(E) 90 years
Ans : (D)
46. Pohang Steel Company (POSCO) is a company originally based in
(A) China
(B) Vietnam
(C) USA
(D) Italy
(E) South Korea
Ans : (E)
47. As per the revised data released by the Central Statistical Organisation, the GDP growth
in 2010 has been at which of the following levels ?
(A) 6%
(B) 65%
(C) 8%
(D) 75%
(E) None of these
Ans : (C)
48. Who amongst the following was awarded Padma Vibhushan recently (2011) ?
(A) Kumar Mangalam Birla
(B) Harbhajan Singh
(C) Nirupama Rao
(D) Montek Singh Ahluwalia
(E) Saina Nehwal
Ans : (D)
49. Annual meeting of World Economic Forum was organized in January 2011 in which of
the following cities ?
(A) Davos
(B) Milan
(C) Tokyo
(D) London
(E) Lisbon
Ans : (A)
50. India recently signed a deal on the sharing of Teesta and Feni river waters. This
agreement is signed with which of the following countries ?
(A) Nepal
(B) China
(C) Pakistan
(D) Bangladesh
(E) Bhutan
Ans : (D)
1. Jawaharlal Nehru National Solar Mission or Solar India has been launched to create an
installed capacity of 2000 MW by the end of
(A) 13th Plan

(B) 14th Plan

(C) 15th Plan
(D) 16th Plan
Ans : (A)
2. Bollywood actors who, on February 2, 2010 rang bells in NASDAQ on Time Square, New
Yorkan honour usually reserved for CEOs of major corporations, are
(A) Amir Khan and Priyanka Chopra
(B) Shah Rukh Khan and Kajol
(C) Abhishek Bachchan and Aswarya
(D) Saif Ali Khan and Kareena Kapoor
Ans : (B)
3. The term 16 yards hit is associated with
(A) Badminton
(B) Baseball
(C) Polo
(D) Hockey
Ans : (D)
4. The vital constituent of blood that helps in clotting is
(A) Platelets
(B) Haemoglobin
(C) Plasma
(D) Serum
Ans : (A)
5. Which of the following animals can hear ultrasonic sound ?
(A) Cat
(B) Rat
(C) Bat
(D) Squirrel
Ans : (C)

6. The acid rain destroys vegetations because it contains

(A) Sulphuric acid
(B) Ozone
(C) Carbon monoxide
(D) Nitric acid
Ans : (A)
7. Man Booker Prize winner Ms. Kiran Desais novel, The Inheritance of Loss deals with
(A) Telangana movement
(B) Santhal movement
(C) Gorkhaland movement
(D) Bodoland movement
Ans : (C)

8. GARC is the acronym for

(A) Global Automotive Research Consortium
(B) Global Atomic Research Consortium
(C) Global Automotive Research Centre
(D) Global Advancement Research Centre
Ans : (C)
9. The largest fresh water lake, Lake Superior is located in
(A) Canada
(B) Russia
(C) Tanzania
(D) Argentina
Ans : (A)
10. In which State of India is the largest river island Majuli ?
(A) Assam
(B) Kolkata
(C) Orissa
(D) M.P.
Ans : (A)
11. Match the following
(a) Berlin, Germany
(b) Ankara, Turkey
(c) Bristol, UK
(d) Budapest, Hungary
1. Danube
2. Kizil
3. Spree
4. Avon
Codes :
(a) (b) (c) (d)
(A) 2 1 4 3
(B) 4 3 1 2
(C) 1 4 2 3
(D) 3 2 4 1
Ans : (D)
12. Governments ambitious UID Project has been renamed
(A) Parichaya
(B) Pahchan
(C) Aadhar
(D) Aanklan
Ans : (C)
13.
(A)
(B)
(C)

Who is the author of the book Speaking for Myself ?

Salman Rushdie
Cherie Blair
Mohammad Hanif

(D) Hillary Clinton

Ans : (B)
14. The name of Indias first homebuilt stealth warship whose features reduce the
probability of being detected at sea is
(A) Sahyadiri
(B) Satpura
(C) Shivalik
(D) Shivaji
Ans : (C)
15. Which country will host the 17th SAARC summit ?
(A) Bangladesh
(B) Nepal
(C) Shri Lanka
(D) Maldives
Ans : (D)
16. Indias Prime Minister Manmohan Singh is seated at the spot in the leaders list of
100 most influential persons of the world realeased by the famous Time Magazine recently.
(A) 15
(B) 19
(C) 23
(D) 27
Ans : (B)
17. The Islam was established in
(A) 5th A.D.
(B) 7th A.D.
(C) 3rd B.C.
(D) 5th B.C.
Ans : (B)
18. Which part of the human body is highly affected by the nuclear radiation first ?
(A) Bone marrow
(B) Skin
(C) Lungs
(D) Eyes
Ans : (B)
19. Who invented the video-tape ?
(A) Charles Ginsberg
(B) Georges de Mestral
(C) Richard James
(D) P. T. Farnsworth
Ans : (A)
20. Match the following
(a) NH1

(b) NH3
(c) NH5
(d) NH7
1. VaranasiKanyakumari
2. KolkataChennai
3. New DelhiAmritsar
4. AgraMumbai
Codes :
(a) (b) (c) (d)
(A) 2 1 4 3
(B) 3 4 2 1
(C) 4 3 1 2
(D) 1 3 4 2
Ans : (B)

You need United India Insurance Administrative Officer (AO) exam paper, I am giving here:
Question1. In a certain code BOARD is written as 53169 and NEAR is written as 2416. How
is NODE written in that code?
2494
2394
2934
2694
None of these
Question2. If x means added to; means multiplied by; + means subtracted from
and - means divided by then 24 + 36 12 x 8 4=?
36
53
5
-20
None of these
Read the given information carefully and answer the questions given below
P x Q means P is brother of Q.
P Q means P is sister of Q.
P + Q means P is father of Q.
P Q means P is mother of Q.
Question3. Which of the following represents M is nephew of N?
NK+M
NxKM
NKxM

NK+MxT
None of these
Question4. How is T related to D in the expression: H + T R D?
Nephew
Niece
Nephew or Niece
Data inadequate
None of these
Question6. Which of the following represents F is daughter of W?
WR+F
WxRxF
W+RxFT
W+RF+T
None of these
Question7. As we all know managing inflation has been a very important aspect of the
economy in India. Which of the following is/are true about the inflation and its effect on
economy?
Lack of inflation (deflation) is not necessarily a thing which is always good.
Inflation is an increase in the general level of prices for goods and services.
When inflation goes up the purchasing power of the money also goes up.
a) Only A
b) Only B
c) Only A & B
d) Only A & C
e) None of these
Which of the following is the correct definition of the term National Income?
National Income means the total amount of money Govt. earns only through direct tax
collections every year.
It is the total value of all sorts of stocks held by a country at a particular point of time.
This is the measure of the volume of commodities and services turned out during a given
period counted without duplication.
a) Only A
b) Only B
c) Only C
d) All A, B & C
e) None of these
UII AO exam paper
1. The punch line of the advertisement of which of the following organization is "Jindagi ke
sath bhi
Jindagi ke bad bhi" ?
(A) New India Assurance
(B) General Insurance Corporation
(C) ICICI Prudential
(D) Life Insurance Corporation Of India

(E) None of these

ANS- D
2. The central office of the Life Insurance Corporation of India (LIC) is located at (A) Kolkata
(B) New Delhi
(C) Chennai
(D) Pune
(E) Mumbai
ANS- E
3. Th Life Insurance Corporation Of India has how many Zonal offices in India ?
(A) Five
(B) Seven
(C) Ten
(D) Fifteen
(E) None of these
ANS- B
4. Which of the following schemes was launched by the LIC in December 2001 with the
object to lessen
the burden of parents in meeting the educational expenses of their children ?
(A) Krishi Shramik Samajik Suraksha Yojana
(B) Jan Shree Bima Yojana
(C) Shiksha Sahyog Yojana
(D) Bhagyashree Child Welfare Bima Yojana
(E) None of these
ANS- C
5. If an organization wishes to venture into Insurance Business it has to obtain a licence
first from which
of the following ?
(A) Indian Bnaks Association (IBA)
(B) Security and Exchange Board of India (SEBI)
(C) Tariff Advisory Committee (TAC)
(D) Insurance Regulatory and Development Authority (IRDA)
(E) None of these
ANS- D
6. Which of the following schemes launched in the year 2000 by the LIC replaced social
Securitty group
Insurance Schemes (SSIGS) and Rural Group Life Insurance Schemes (RGLIS) ?
(A) Janshree Bima Yojana
(B) Bhagyashree Child Welfare Bima Yojana
(C) Jan Arogya Bima Yojana
(D) Raj Rajeshwari Mahila Kalyan Yojana
(E) None of these
ANS- A
7. How many maximum children from a family are covered for the benefits under the
Shiksha Sahyog
Yojana launched by the LIC ?
(A) One only
(B) Two only
(C) Three only

(D) One Girl Child only

(E) None of these
ANS- B
8. Which of the following Scheme was launched by the LIC to provide life insurance
protection, perodical
lumpsum survival benefit and pension to the agricultural workers in India ?
(A) Krishi Shramik Samajik Suraksha Yojana
(B) Jan Shree Bima Yojana
(C) Mahila Kalyan Yojana
(D) Sampurna Arogya Bima Policy
(E) None of these
ANS- A
9. On December 6yh 2006, the president of India launched on exclusive health Insurance
Scheme for
senior citizens. Which of the following insurance company has launched the schemes ?
(A) National Insurance Company
(B) Life Insurance Corporation Of India
(C) ICICI Prudential
(D) HDFC Life
(E) None of these
ANS- A
10. Which of the following cities does not have one of the zonal offices of the Life Insurance
Corporation
Of India ?
(A) Mumbai
(B) Kolkata
(C) Chennai
(D) Hyderabad
(E) Jhansi
ANS- E
11. Which of the following is the Basic Life Insurance Plan of the Life Insurance Corporation
Of India ?
(A) Jeevan Tarang
(B) Jeevan Nidhi
(C) Jeevan Adhar
(D) Jeevan Umang
(E) None of these
ANS- E
12. Anmol Jeevan is a ........ of the LIC
(A) Basic Life Insurance Plan
(B) Term Insurance Plan
(C) Children's Plan
(D) Pension Plan
(E) None of these
ANS- B
13. As per policy of the LIC, loans are granted on unencumbered policies upto what per cent
of the
surrender value ?
(A) 60 %

(B) 70 %
(C) 80 %
(D) 90 %
(E) None of these
ANS- D
14. Which of the following group Schemes of the LIC Provides pensiobn to employees on
their
retirement from service ?
(A) Group Term Insurance Scheme
(B) Group Insurance in Liew of EDLI
(C) Group Gratuity Scheme
(D) Group Supeannuation Scheme
(E) None of these
ANS- D
15. Which of the following is the pension plam of the LIC
(A) Jeevan Adhar
(B) Jeevan ANAND
(C) Jeevan Akshay
(D) Amulya Jeevan
(E) None of these
ANS- C
16. Which of the following is not a scheme of the LIC ?
(A)Jeevan Sangam
(B) Jeevan Saral
(C) Jeevan Adhar
(D) Jeevan Pramukh
(E) None of these
ANS- A
17. Which of the following is a term Assurance plan of the LIC ?
(A) Jeevan Akshay
(B) Jeevan Adhar
(C) Jeevan Nivesh
(D) Jeevan Nidhi
(E) None of these
ANS- E
18. Premium to LIC policies can be paid by which of the following modes ?
(a) Cash
(b) Cheque
(c) Electronic Charging Machine
(A) Only a
(B) Only b
(C) Only c
(D) Both a and b
(E) All a, b and c
ANS- E
19. Customers of Lic can now get information about their policies by dialing which of the
following
telephone numbers in most of the centres ?
(A) 101

(B) 135
(C) 136
(D) 1251
(E) None of these
ANS- D
20. Lic policy holders do not get any income tax benefit under which of the following
sections of the
income tax act ?
(A) Section 80C
(B) Section 68 A, B and C
(C) sECTION 80 CCC
(D) Section 80 CD
(E) None of these
ANS- B
21. Who amongst the following is not a Bharat Ratna Awardee ?
(A) Dr. A.P.J.Abdul Kalam
(B) Dr. V.VGiri
(C) Dr. Rajendra Parsad
(D) Dr. Shankar Dayal Sharma
(E) None of these
ANS- D
22. Duran Lineb devides which of the following pair of the countries ?
(A) China - Afghanistan
(B) Afghanistan - Pakistan
(C) India - Pakistan
(D) India - Nepal
(E) Bangladesh - India
ANS- B
23. Who has become the second person of Indian origin to go into space after Kalpana
Chawala ?
(A) Koneru Humpi
(B) Indra Nooyi
(C) Sunita Williams
(D) Sudha Murti
(E) None of these
ANS- C
24. Shinzo Abe is the new elected (A) Prime minister of Singapore
(B) Prime minister of South Korea
(C) President of Soth Korea
(D) President of North Korea
(E) Prime minister of Japan
ANS- E
25. Which of the following cups is associated with the game of Hockey ?
(A) Whiteman Cup
(B) Evert Cup
(C) Agha Khan Cup
(D) Hafed Open Cup
(E) None of these

ANS- C
26. Which of the following Indian films was nominated for the Oscar Award 2007 ?
(A) Water
(B) Eklabya- The Royal Guard
(C) Nih Shabd
(D) Lago Raho Munna Bhai
(E) None Of these
ANS- E