PCE Sample Questions - SET 3 (ENG)

8/13/2019 PCE Sample Questions - SET 3 (ENG)

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PCE Sample Questions (Eng)Set 3

Zurich confidential or proprietary information Version: Jan 2013

Prepared by: Agency Training & Development Page 1

SET 3 : PCE SAMPLE QUESTIONS

1. Which Act is introduced for the purpose of regulating the conduct of the insurance business inMalaysia?

A. The Insurance Act 1965 B. The Insurance Act 1996C. The Company Act 1965 D. The Company Act 1963

2. Proceeds from a personal life insurance policy are __________.

A. Not taxable B. TaxableC. Deductible D. Chargeable

3. Which of the following is not a stage in The Consumer Buying Decision process?

A. Problem recognition B. Information searchC. Post purchase evaluation D. Sales maximization

4. Generally, the policy owner will get _________________ upon the maturity of their policy.

A. Sum assured plus cash bonus B. Convert to life policyC. To increase the sum assured D. Cash

5. The contribution condition states that, ___________.

A. The insured cannot receive more than the actual amount of his loss.B. Where there are two or more policies covering one loss, the insured must claim from all the

policies.C. The insured cannot recover from any other insurers except from his own insurer.D. The insured must bear the first RMX of each and every loss.

6. How can risk be classified?

A. Pure & Fund RiskB. Speculative & Particular RiskC. Pure & Complex RiskD. Fundamental & Particular Risk / Pure & Speculative Risk

7. Insurance deals with fortuitous losses which are:

A. Accidental lossesB. All lossesC. Physical hazardsD. Risks, the severity/frequency of which is within the control of the insured person

8. Which of the following is NOT a duty of an agent?

A. To exercise care & skills.B. To perform his duty in a professional manner.C. Not to disclose confidential information obtained during the course of his duties as an agent.D. To make secret profits from any party with whom he deals on behalf of the principal.


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9. The term twisting, as applied to health insurance refer to a/an:

A. Policy holder refusing a policy but accepting a similar policy with another company.B. Agent misrepresentation facts to induce an insured to replace a policy.C. Agent sharing a commission with the insured as an inducement to buy a policy.D. Agent providing interim coverage between the application and the policy issue date.

10. There is a special form of bonus which is only payable when the policy becomes a claim after astipulated period. This bonus is _______________.

A. Maturity / Terminal B. InterimC. Special D. Simple

11. Which of the following is not subject to the Income Tax Act 1967?

A. Employment IncomeB. DividendsC. RentsD. Maturity proceeds from a life insurance policy

12. Which of the following are the rights of an AGENT?

I. To receive payment for his services.II. Entitle to reimbursement of money which he has spent with the consent of his principal.III. To perform his duties in the manner which he consider being appropriate.IV. To delegate his duties to a sub-agent without approval.

A. II only B. II & IV onlyC. I, II & III only D. All of the above

13. In measuring morbidity, which of the following elements must be considered?

I. FrequencyII. ConsistencyIII. Severity

A. III only B. I & II onlyC. I & III only D. II & III only

14. A suitable table of health insurance premium rate meets all the following condition, EXCEPT:

A. Low loss ratio B. Equity among policy holdersC. Reasonableness in relocation to benefits D. Adequacy of premium

15. Typically, before an insurer will pay for Pre-Admission testing charges, the following criteriamust be met:

A. The pre-admission testing performed is for routine physical purposes.B. Hospital admission must occur within 72 hours after the completion of the testing.C. Expenses and not be covered if the patient as hospital in-patient.D. Procedures must be ordered by the same physicians who ordered the confinement.


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16. Miscellaneous hospital charges might be questioned as to their reasonableness, __________.

A. When the confinement does not appear to bear a reasonable relationship to the diagnosis.B. If any corrective surgery is contemplated.C. When the confinement exceeds 30 days.D. When the confinement is the result of a sickness rather than an injury.

17. The term Marketing refer to the __________________.

A. Selling of intangibles productsB. Buying of an intangibles productsC. Strategy for the firms business developmentD. Methods of communication with the marketing manager

18. If an act which is not within his authority is performed by an agent, and the principal agrees toaccept the same as having been done on his behalf, it is known as ___________.

A. Acceptance B. RatificationC. Authorization D. Assignment

19. What is the insureds consideration for an insurance contract to be effective?

A. Payment of premium B. Signature on the proposal formC. Promise to pay D. Deposit

20. Under current Malaysian Tax regulations, a deduction up to a max of RM3000 in premium paidfor education, _______________ is allowable.

A. Or life insurance B. Or medical insuranceC. Health or life insurance D. Health or Personal Accident insurance

21. What are the categories of health insurance policies:

A. Indemnity and overall annual limit policy B. Benefits and life time limit policiesC. Indemnity and benefit policy D. Life time and overall annual limit policies

22. Nathan was hospitalized for 3 days in a private hospital this year. The hospital bill amount toRM3000. This is his first claim on his hospital and surgical insurance policy this year. Given thatthe policy has an annual deduction of RM1000, a co-payment requirement of 20%, andassuming that the whole hospital bill is eligible for insurance reimbursement, how much will the

hospital & surgical insurance policy reimburse to Nathan?

A. RM2000 B. RM1800C. RM1600 D. RM1400

23. Which section in the policy form introduces the parties to the contract and states that theproposer has submitted an application for insurance including statements on health of theinsured person, first premium paid and agreement for subsequent premium payment as the falldue?

A. The schedule B. AttestationC. The proviso D. The preamble


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24. Which statement best describe Decreasing Extra Mortality.

A. The types of extra risk that will remain constant from year to year.B. The types of policy arrangement that provide an acceptable solution.C. The types of risk which is present at the younger ages but will lessen in later life.D. The types of risk that decreasing within duration and become more potent factor in failure to

survive.

25. Factors that influence mortality are:

I. EthnicityII. Marital statusIII. AgeIV. Foreign residence

A. I & III only B. II & III only

C. I, II & III only D. All of the above

26. Which plans are generally in use as non forfeiture provision?

I. Policy LoansII. Automatic Premium LoanIII. Extended Term AssuranceIV. Paid-up Policy

A. I, II & III only B. I, II, & IV onlyC. II, III & IV only D. All of the above

27. 2 main types of children policies are ________________ and _______________.

A. Protected Educational Policies, Anticipated Endowment PoliciesB. Protected Educational Policies, Children Deferred AssuranceC. Protected Educational Assurance, Children Deferred PoliciesD. Children Deferred Policies, Anticipated Endowment Policies

28. _____________ is often referred as economic death.

A. Premature death B. RetirementC. Temporary disability D. Permanent disability

29. Subrogation is one of the principles of insurance. It is crucial because, ________________.

A. It prevents the insured from making profit out of his loss.B. It helps the insured to claim from the third party.C. It helps the insured to recover his loss.D. It prevents the third party from making profit of their loss.

30. The definition of Material fact is___________________.

A. A fact which will influence a prudent underwriter in deciding whether to accept the risk.B. A fact which was known by the insurer after negotiation.C. A fact which was known by both the insurer and the insured.D. All of the above.


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31. Characteristics described above refer to _____________.

A. Agency B. General AgentC. Special Agent D. Universal Agent

32. An insurance contract is a legally binding agreement between an insured and his insurer. As inother commercial agreements, certain essential requirements have to be satisfied before theinsurance agreements can be legally binding.

Offer and Acceptance is one of the essential legal requirements in Insurance Contract.Which statements are correct concerning Offer and Acceptance?

I. Offer is usually made by a proposer when he submitting a completed and signed proposalform to an insurer or his agent and the insurer may accept the proposal after accessing theproposed risk.

II. The offer and acceptance must be voluntaryIII. When the proposer disagrees on the original term, the insurer may offer to provide

insurance on different terms and it is called Counter-offer.IV. The acceptance can be made by the proposer or the insurer.

A. I, II & III only B. II, III & IV onlyC. I, III & IV only D. I, II & IV only

33. Risk of proper damage from earthquake, flood and typhoon is classified under:

A. Fundamental Risk B. Particular RiskC. Speculative Risk D. Social Risk

34. The two most common expense participation methods found in major medical expensesinsurance policies are:

A. deductibles and co-insuranceB. co-insurance and co-paymentC. co-payment and deductiblesD. cashless and reimbursement

35. In life insurance, the claim amount is determined at the very beginning of the contract. Suchcontracts are __________________ contracts.

A. Indemnity B. AleatoryC. Subrogation D. Proximate

Appointed as a proxy to attend annualMeeting of a company on behalf of the shareholder

Appointed to do specific act or transaction


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36. Which of the following are considered as perils in insurance context?

I. FireII. Court AwardsIII. NegligenceIV. Revenue

A. I & III only B. II & IV onlyC. III & IV only D. I, II & IV only

37. Agent A was working with Company X. Then later Agent A changed to Company Y and broughthis customers to Company Y, what is this called?

A. Rebating B. TwistingC. Concealment D. Misrepresenting

38. The charges for covering the cost of mortality alone is called ___________ and when thecharge is computed after taking account the elements of mortality and interest, it is called_____________.

A. True premium, gross premium B. Risk premium, net premiumC. Net premium, risk premium D. Gross premium, loading

39. The chance of dying in a year at a specified age is commonly termed as ____________.

A. Rate of morbidity B. Rate of mortalityC. Rate of interest D. Rate of surviving

40. Below are the criteria for a cashless Medical and Health Insurance EXCEPT:

A. Hospital deposit may be waived.B. Insured are not required to pay anything.C. Letter of guarantee will be issued upon admittance to a panel hospital.D. All eligible expenses will be taken care of by the insurer.

41. .Mr. & Mrs. Chong both aged 70 and 60 respectively received income payment from AnnuityCompany. The income will be paid as long as either one annuitant is alive. The income paymentshall cease upon death of the last annuitant. What type of annuity contract has the coupleacquired?

A. Deferred annuity B. Single life annuityC. Last survivor annuity D. Joint life annuity

42. Mr. Lim purchased a non- par whole life policy with RM 20,000 BSA and attached with anAccidental Death Benefit Rider (RM 20,000 BSA). Mr. Lim met with an accident and pass awaybut later prove that it happened due to drunk. How much compensation can his beneficiary get?

A. RM 20,000 B. RM 40,000C. RM 60,000 D. RM 80,000


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43. There are various ways in which the policyholders share of surplus is distributed. Some of themethods are :

I. Guaranteed BonusII. Interim BonusIII. Simple Reversionary BonusIV. Compound Reversionary Bonus

A. I, II & IV only B. I, II & III onlyC. II, III & IV only D. All of the above

44. Which of the following documents are generally acceptable as proof of age by life offices inMalaysia?

A. Certified extract from Baptism Register.

B. School leaving certificate from a Government or Government aided school.C. Identity Card issued by the Malaysian Government.D. All of the above.

45. Family Takaful benefits shall be paid to participant depending on _____________.

I The death of the participant before the term of the takaful planII The termination of the contract by the participantIII The permanent total disability experienced by the participantIV The survival of the participant to the end of the term of the takaful plan

A. I, II & III only B. II, III & IV only

C. I, II & IV only D. All of the above

46. The cooling off period for a life policy is ________.

A. 15 days B. 20 daysC. 28 days D. 30 days

47. Which of the following is the evidence of premium payment for the policyholder?

A. Official receipt B. Proposal formC. Premium notice D. Acknowledgement form

Age (nearest birthday) Premium per RM 1000 Sum Assured28 60.25

29 61.80

30 63.00

31 64.10

32 64.85

33 65.95

Table 1: Premium Rates for Male Live on 10-Year Endowment Policy

Name : En. Fatul Hakim AbdullahDate of Birth : 6 March 1975

Policy Commencement : 29 May 2003Policy Sum Assured : RM 100,000.00


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48. Based on the above table, what is the premium per annum paid by En. Fatul?

A. RM 6,025.00 B. RM 6, 180.00C. RM 6,300.00 D. RM 6,410.00

49. Which of the following are NOT the secondary functions of insurance?

I. Cost stabilityII. Source of capitalIII. Stimulates business enterpriseIV. Reduction of loss

A. I, II & III only B. I, II & IV onlyC. II, III & IV only D. None of the above

50. Mary had bought a 5-year term plan. She decided to pay the premium on 1

st

of January of everyyear. However, she had faced some personal financial problem in 4thyear and she paid thepremium on 4thFebruary in the said year.

In the above-mentioned case, Marys insurance contract is considered as ________.

A. Lapsed B. Automatic Premium LoanC. Illegal D. Effected

51. A manufacturer who is worried about product liability lawsuit arising from one of his productscan avoid it by not manufacturing that product. This called ________.

A. Loss prevention B. Risk avoidanceC. Risk transfer D. Risk retention

52. Which of the following is not true?

A. Insurance in concerned only with pure risks.B. Characteristic of insurable risk is that the loss must be fortuitous.C. Insurable risks should involve losses that are capable of being financially measured.D. For a risk to be insurable, the loss should be so catastrophic in nature.

53. Risks that are insurable must fulfill certain characteristics. The main characteristics are:

I. financial valueII. large number of similar risksIII. catastrophic lossesIV. reasonable premium

A. I & II only B. I, III & IV onlyC. I, II & IV only D. All of the above

54. The principle of ________ requires the insurer to restore the insured to the same financialposition as he had enjoyed immediately before the loss.

A. Subrogation B. ContributionC. Indemnity D. Proximate cause


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55. Which of the following are true about aspects of Takaful operation?

I. Participants of Takaful plans make contributions that will be accumulated in the TakafulFund that may be invested in areas acceptable to Syariah.

II. Profit sharing follows the principle of mudharabah.III. Takaful business is not a contractual transfer of risk.IV. The Takaful Company does not assume the risk.

A. I, II & III only B. I, III & IV onlyC. II, III & IV only D. All of the above

56. Which of the following responsible for the registration of life insurance agents in Malaysia?

A. PIAM B. AMLAC. NAMLIA D. LIAM

57. Which of the following is not an intermediary?

A. Life agent B. ReinsurerC. General agent D. Insurance broker

58. Premium for individual medical and health insurance policies are usually

A. age banded and increase with ageB. age specified and decrease with ageC. age banded and decrease with ageD. age specified and increase with age

59. Which of the following are the roles of an insurance agent?

I. Bring financial relief to aggrieved dependants in insured people.II. Inculcate the discipline of saving amongst the working population.III. Bring profit in the event of property loss.IV. Provide other forms of insurance related services to the public.

A. I, II & IV only B. I, II & III onlyC. II, III & IV only D. All of the above

60. The following statements are true EXCEPT:

A. In marine insurance the insured needs only to have insurable interest at the time of lossoccurs to be able to enter into a valid contract.

B. For general insurance contracts, insurable interest must exist at the beginning and at thetime of loss.

C. For life insurance contracts, insurable interest must exist at the beginning only.D. With respect to life and personal accident insurance, a person has limited insurable interest

in his own life and limbs.

61. Stated below are the basic rights of consumers according to the International ConsumerMovement EXCEPT:

A. Right to information B. Right to chooseC. Right to claim D. Right to redress


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62. Selfregulation has to be introduced by the insurance industry with the objective to:

I. Instill discipline and promote healthy competition in the industry.II. Provide some element of protection to insurance consumers.III. To undertake research in the fields of insurance and other related subjects.

IV. Preparation and submission of annual accounts and the accompanying statements.

A. I & II only B. II & III onlyC. I & III only D. II & IV only

63. For general insurance business, the main associations are:

I. PIAMII. IBAMIII. AMLAIV. LIAM

A. I & II only B. I & IV onlyC. I, II & III only D. I, III & IV only

64. Stated below are the legal requirements of insurance contract EXCEPT:

A. Offer and acceptance B. ConsiderationC. Utmost Good Faith D. Intention To Create Legal Relationship

65. Every agents falls into one of the following, EXCEPT:

A. Special agent B. General agentC. Universal agent D. Underwriting agent

66. Some of the duties imposed on an agent in addition to his express contractual obligations areprovided as follows EXCEPT:

A. To render accounts to the principal as required.B. Not to let his own interest conflict with his obligations to the principal.C. To delegate his duties to a sub-agent without authority express or implied.D. To comply with his principals instructions and to notify him when compliance becomes

impossible.

67. Mortality and morbidity rates generally increase with

A. the age of the populationB. the increase in income of the populationC. the length of period required to recuperate from any injuryD. economic downturn

68. The relationship of insurer and insurance agent may be created in the following ways:

I. By implied appointmentII. By implication of the lawIII. By subsequent ratification of an authorized actIV. By statute

A. I, II & III only B. II, III & IV onlyC. I, III & IV only D. All of the above


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69. Function of the Marketing Department are:

I. Planning and controllingII. Product DevelopmentIII. PricingIV. Promotion

A. I, II & III only B. II, III & IV onlyC. I, III & IV only D. All of the above

70. There are _______ stages in the consumer buying decision process.

A. Three B. FourC. Five D. Six

71. The long-term nature of the contract requires the insurer to adopt a cautious view of the manyfactors that enter into the premium rate calculations. Principals amongst these factors are thefollowing:

I. MortalityII. ExpensesIII. Rate of investment returnsIV. Tax

A. I, II, III only B. I, II & IV onlyC. I, III & IV only D. All of the above

72. To have _______, the purchaser of a life insurance policy must stand to suffer a financial losson the death of the person on whose life the life insurance policy has been bought.

A. Insurable Interest B. Monetary InterestC. Material Interest D. All of the above

73. The risks covered by life insurance can be grouped under the following:

I. Premature DeathII. Permanent/Temporary disabilityIII. Retirement benefitsIV. Financial Guarantees

A. I, II, III only B. I, II & IV onlyC. I, III, IV only D. All of the above

74. Which of the following statement is TRUE about participating contracts?

A. Participating contracts are mainly for protection purpose.B. The benefit is generally made up of guaranteed benefit, regular bonuses and a final bonus.C. The main benefit is generally guaranteed.D. These contracts are often simple and easily compared, which means competition on

premium rates is keen.


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75. _______ policy provide not only the payment of the face value of the policy upon the death ofthe life assured during a fixed term of years, but also the payment of the full face amount at theend of the said term if the life assured is living.

A. Whole Life B. TermC. Endowment D. Annuity

76. Which of the followings are family takaful benefits?

I. Death benefitII. Disability BenefitIII. Maturity BenefitIV. Surrender Value

A. I, II, III only B. II, III & IV onlyC. I, III, IV only D. All of the above

77. Which of the following plans are generally in use as non-forfeiture provisions?

I. Automatic Premium LoanII. Paid Up PolicyIII. Extended Term InsuranceIV. Policy Loans

A. I, II, III only B. I, II & IV onlyC. II, III, IV only D. All of the above

78. The insurer cannot deny liability on a policy after two years of its issue on the grounds of

misrepresentation or non-disclosure alone unless he can prove that such misrepresentation ornon-disclosure was made fraudulently by the insured. The statement refer to:

A. Suicide Clause B. Incontestability ClauseC. Reinstatement Clause D. Paid-up Clause

79. Which of the following documents are generally acceptable as proof of age by life offices inMalaysia?

I. International PassportII. Certified extract from Baptism RegisterIII. School leaving certificate from Government or Government aided school

IV. Extract from service record of Government, Semi Government, Public Sector undertakingsand reputed commercial firms.

A. I, II, III only B. I, II & IV onlyC. I, III, IV only D. All of the above

80. Select the various factors which influence mortality:

I. EthnicityII. Social StatusIII. AgeIV. Occupation

A. I, II, III only B. II, III & IV onlyC. III and IV only D. All of the above


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81. To deal with sub-standard lives, the insurer usually employs any one of the following method:

I. Increasing PremiumII. Decreasing Death BenefitIII. Alternative Policy PlanIV. Bonus Adjustment

A. All of the above B. I, II & III onlyC. I, III, IV only D. II, III & IV only

82. Under financial underwriting, the proposal form will be scrutinized to look for the following:

I. The existence of insurable interestII. Whether the amount of insurance applied for is commensurable with the financial standingIII. Whether the insured maintains multiple insurance policies with other insurers

IV. Whether other insurers have turned down the proposers application for insurance coverage

A. I, II & III only B. I, III & IV onlyC. II, III & IV only D. All of the above

83. When the premium charge is computed after taking into account the elements of mortality andinterest, it is called the _________________.

A. Pure Premium B. Net PremiumC. Risk Premium D. Gross Premium

84. In calculating the tabular (gross) premiums for non-participating policies, the elements normally

taken into account are the following, except:

A. Mortality B. InterestC. Expenses D. Bonus loading

85. Under this type of regular premiums, the premium payments cease on death and no deductionis made from the claim amount.

A. True premiums B. Installment premiumsC. Periodical premiums D. Regular premiums

86. In a proposal form, the following information are normally required:

I. Personal particularII. Details of insuranceIII. Personal and family historyIV. Occupation, residence, travel and hazardous pursuits

A. I, II & IV only B. I, III & IV onlyC. I, II & IIII only D. All of the above

87. When any adverse history of applicants health is revealed, what types of document will aninsurer normally required?

A. Medical report B. Agents reportC. Attending physicians report D. Proposal form


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88. The section of policy which is signed by certain officers of the company authorized to do so is:

A. The Proviso B. The ScheduleC. The Preamble D. The Attestation

89. Endorsements of an insurance policy can be done at ___________.

A. Time of issue of the policy B. After issue of the policyC. Before issue of the policy D. A and B

90. Section 161 of Insurance Act 1996 provides that a claim upon the death of policy owner must bepaid within how many days upon receipt of intimation of the claim?

A. 30 days B. 45 daysC. 15 days D. 60 days

91. Under Section 169 of Insurance Act 1996, the payment of claim can proceed to the properclaimant without letters of probate or administration. Insurance may pay _________.

A. The full amount if the proceed do not exceed RM10,000.B. The full amount if the proceed do not exceed RM100,000.C. RM10,000 if the policy exceeds RM10,000.D. None of the above.

92. In the case of endowment insurance, the amount payable in the event the policyholder survivesto the end of the term of the contract is called ________.

A. Settlement Options B. Maturity claimsC. Probate of will D. Annuity

93. If the insurer has doubt in the validity of the documents furnished by the policyholder during anyclaims, the insurer can _________.

A. Carry out an investigation B. Reject the claim immediatelyC. Void the policy D. None of the above

Age (next birthday) Premium per RM1000 Sum Assured

30 42.80

31 43.6032 44.10

33 45.20

34 46.00

Table 1: Premium rates for male lives on 25-year endowment policy

For questio n 94 and 95, please refer Table 1

94. Mr.LimDate of birth : 20 April 1972Policy commencement date : 4 April 2004

Policy Sum Assured : RM100,000


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What is the premium per annum paid by Mr. Lim?

A. RM4,360.00 B. RM4,410.00C. RM4,520.00 D. RM4,600.00

95. Ms.TanDate of birth : 21 January 1970Policy commencement date : 1 April 2004Policy Sum Assured : RM100,000

Assuming female lives as 3 years younger, what is the premium per annum paid by Ms. Tan?

A. RM4,280.00 B. RM4,360.00C. RM4,410.00 D. RM4,520.00

Age (nearest birthday) Premium per RM1000 Sum Assured

28 60.25

29 61.80

30 63.00

31 64.10

32 64.85

33 65.95

Table 2: Premium rates for male lives on 10-year endowment policyFor question 96, please refer Table 2

96. Encik Abdullah SalimDate of birth : 6 March 1975

Policy Commencement date : 29 May 2003Polcy Sum Assured : RM100,000

What is the premium per annum paid by Encik Abdullah?

A. RM6,025.00 B. RM6,180.00C. RM6,300.00 D. RM6,410.00

97. What are the elements used in the principal of Actuarial Valuation of a life office?

I. Distribution of SurplusII. InterestIII. Valuation of LiabilitiesIV. Valuation of Assets

A. I, III & IV only B. I & III onlyC. III & IV only D. All of the above

98. The followings are the characteristics of Maturity/Terminal Bonus:

I. It is only payable during maturity or death claims.II. Once it is declared on each valuation, it is only valid for the period up to the next valuation.III. It is a proportion of the sum assured.IV. It is guaranteed and is strictly for non-participating policies.

A. I, II & III only B. III & IV onlyC. II & III only D. I & II only


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99. The term life insurance used in the Code of Ethics and Conduct covers the following types ofinsurance, EXCEPT:

I. AnnuitiesII. Pension ContractsIII. Home-serviceIV. Permanent Health Insurance

A. II & III only B. III onlyC. III & IV only D. None of the above

100. Who is responsible to monitor the compliance of life insurance intermediaries?

A. Audit/Disciplinary Committee B. Bank Negara MalaysiaC. Policy holders D. Insurance agents


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P d b A T i i & D l t Page 17

ANSWERS

1 B 26 C 51 B 76 C

2 A 27 B 52 D 77 A

3 D 28 D 53 C 78 B

4 A 29 A 54 C 79 D

5 B 30 A 55 D 80 D

6 D 31 D 56 D 81 A

7 A 32 D 57 B 82 D

8 D 33 A 58 A 83 B

9 A 34 C 59 A 84 D

10 A 35 B 60 D 85 A

11 D 36 A 61 C 86 D

12 C 37 B 62 A 87 C

13 C 38 B 63 C 88 D

14 D 39 B 64 C 89 D

15 A 40 B 65 D 90 D

16 A 41 C 66 C 91 B

17 C 42 A 67 A 92 B

18 B 43 D 68 B 93 A

19 A 44 D 69 D 94 B

20 B 45 C 70 C 95 C

21 D 46 A 71 D 96 A

22 A 47 A 72 A 97 C

23 D 48 A 73 D 98 D

24 C 49 D 74 B 99 D

25 D 50 A 75 C 100 A

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PCE Sample Questions - SET 3 (ENG)