III IC-22: pattern, syllabus and full mock tests
The Life-stream underwriting paper of the Insurance Institute of India's Associateship diploma.
- 1,250+practice questions
- 5full-length mocks
- 9chapter-wise tests
- Full-length III IC-22 mock exams on the real question pattern
- Practice on the actual online exam interface you'll see on test day
- Weak & strong area analysis after every mock
- Exam readiness score that tracks your preparation, not guesses
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- Full 100-question mocks
- Chapter-wise practice
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Access exam-specific mock tests directly from your Android device.IC-22 Life Insurance Underwriting is a compulsory paper of the Life stream of the Insurance Institute of India's Associateship diploma (Non-Life candidates take IC-45 General Insurance Underwriting instead). Its syllabus covers Life Underwriting Principles, Process and Structure, Financial, Occupational and Residential Underwriting; Reinsurance, Medical Underwriting I - Blood, Nervous System, Diabetes and Thyroid and Medical Underwriting II - Urinary, Respiratory, Digestive, Cardiovascular and Special Senses. Passing earns 30 credit points towards the Associateship.
Eligibility Criteria
schoolEducation
Membership of the Insurance Institute of India (applied for online before registering for the exam). Check the current III Examination Handbook for any education requirement for your membership category.
cakeAge Limit
No separate age limit is prescribed for the paper; III membership rules apply.
flagNationality
Open to candidates in India; III also runs the exam for candidates abroad on its published terms.
Exam Pattern
IC-22 Life Insurance Underwriting is an online objective paper of multiple-choice questions, 2 hours long, marked out of 100. III's Examination Handbook sets the pass mark at 60% for every MCQ paper, awards a distinction at 75%, and expects all questions to be attempted; it mentions no negative marking. The syllabus runs to 15 chapters, covering Life Underwriting - Principles and Concepts (Part 1), Life Underwriting - Principles and Concepts (Part 2), Underwriting: Process and Structure, Financial Underwriting, Occupational, Avocational and Residential Risks, Reinsurance, Blood Disorders, Nervous System, Diabetes Mellitus, Thyroid Diseases, Urinary System, The Respiratory System, Gastrointestinal (Digestive) System, Cardiovascular System and Special Senses: Disorders of the Eyes, Ears and Nose. Passing earns 30 credit points towards the Associateship. III publishes no chapter-wise weightage; the sections below are how PrepClever's mocks group the chapters, in proportion to their size.
IC-22 Life Insurance Underwriting
Online (Computer-Based)120 min| Section | Questions | Marks |
|---|---|---|
| Life Underwriting Principles, Process and Structure | 20 | 20 |
| Financial, Occupational and Residential Underwriting; Reinsurance | 20 | 20 |
| Medical Underwriting I - Blood, Nervous System, Diabetes and Thyroid | 27 | 27 |
| Medical Underwriting II - Urinary, Respiratory, Digestive, Cardiovascular and Special Senses | 33 | 33 |
Key Topics & Syllabus
Life Underwriting Principles, Process and Structure
- check_circleLife Underwriting - Principles and Concepts (Part 1)
- check_circleLife Underwriting - Principles and Concepts (Part 2)
- check_circleUnderwriting: Process and Structure
Financial, Occupational and Residential Underwriting; Reinsurance
- check_circleFinancial Underwriting
- check_circleOccupational, Avocational and Residential Risks
- check_circleReinsurance
Medical Underwriting I - Blood, Nervous System, Diabetes and Thyroid
- check_circleBlood Disorders
- check_circleNervous System
- check_circleDiabetes Mellitus
- check_circleThyroid Diseases
Medical Underwriting II - Urinary, Respiratory, Digestive, Cardiovascular and Special Senses
- check_circleUrinary System
- check_circleThe Respiratory System
- check_circleGastrointestinal (Digestive) System
- check_circleCardiovascular System
- check_circleSpecial Senses: Disorders of the Eyes, Ears and Nose
Inside III IC-22 Premium
Full 100-question mocks
Timed papers on the real pattern: 100 MCQs in 2 hours, scored against the 60% pass mark, across all 15 chapters.
Chapter-wise practice
Practice sets for every chapter, so you can work through the syllabus in order and see where you stand on each.
Section-wise sets
Drill the four sections of the paper separately, so the chapters you keep getting wrong get extra repetition.
Explained answers
Every question carries a short explanation of the rule or concept it tests, not just the correct option.
Career Roles & Salary
Insurance Company Executive
₹3 to 6 LPA (entry level)
Underwriting, claims, operations and customer-service roles at life and general insurers, where III's diplomas are the standard professional qualification.
Broker / TPA Professional
₹3 to 7 LPA
Placement, servicing and claims roles at insurance brokers and third-party administrators, where III qualifications count towards IRDAI's training requirements.
How to Prepare
Become an III member
Apply for membership of the Insurance Institute of India online; membership is required before you can register for a professional exam.
Register for IC-22 in an exam window
III publishes an examination calendar each year. Register for IC-22 within the window and pay the exam fee listed in the current handbook.
Study the IC-22 courseware
Work through the courseware chapter by chapter, making short notes as you go.
Practise full-length mocks
Take timed 100-question mocks until you score comfortably above 60%.
Sit the online exam
Attempt all questions in the 2-hour paper; a score of 60% or more passes, 75% or more earns a distinction.
Important Dates (Tentative)
| Event | Expected Date |
|---|---|
| Exam windows | Several times a year on III's published examination calendar |
| Registration | Opens before each window; late fee in the extended period |
| Result | Published on the III portal after the exam window |
* Dates are indicative based on historical patterns. Check the official website for confirmed dates.
Prepare for III IC-22 the smarter way
Free mock tests, chapter-wise practice questions and a personalized study plan, built around the latest III IC-22 pattern.
Related IRDAI exams
- IC-38IC-38 Insurance Agents Certification
- IRDAI POSPIRDAI Point of Sales Person
- III IC-01 Principles of InsuranceIII IC-01 Principles of Insurance (Licentiate)
- III IC-11 Practice of General InsuranceIII IC-11 Practice of General Insurance (Licentiate)
- III IC-45 General Insurance UnderwritingIII IC-45 General Insurance Underwriting (Associateship)
III IC-22 guides
- SyllabusThe IC-22 Life Insurance Underwriting syllabus from III's Revised Edition 2025: all 15 chapters, from underwriting principles and financial underwriting to nine medical chapters.
- Exam PatternThe III IC-22 exam pattern: one online MCQ paper of 2 hours, 60% to pass, 75% for distinction, no negative marking, and what happens if a question is wrong.
- Previous Year PapersIII does not publish IC-22 past papers or answer keys. What it does publish, how to treat "IC-22 PDF" files, and 15 sample questions in the exam's style with answers.
- Study MaterialThe official IC-22 study course from III: the 2025 edition at ₹400, the eBook and audiobook, and how to use the book for a paper with nine medical chapters.
- Fees & EligibilityIII IC-22 fees from 1 April 2026: ₹900 per attempt, the one-time ₹1,100 Associateship registration, who can sit IC-22 and how long its 30 credit points stay valid.
- Exam DatesIII's 2026 schedule for IC-22: the four sessions, enrolment windows, slot-booking dates, exam weekends and result dates, with the December 2026 deadlines.
- Formula SheetThe 10 formulas behind IC-22's numerical questions: mortality ratio, extra mortality, debits and credits, table ratings, flat extras, BMI, human life value and retention.
- IC-22 vs IC-45IC-22 Life Insurance Underwriting or IC-45 General Insurance Underwriting: what each covers, what each costs, and how to choose your Associateship compulsory paper.
- LIC Staff BenefitsHow IC-22 fits LIC's special allowance for passing III exams: the 2021 Gazette amounts for Class I officers and Class III staff, the conditions, and what to confirm with HR.
- Numerical RatingHow the numerical rating method works for IC-22: the 100 base, debits and credits, a worked rating to extra premium, and ways to accept a substandard life.
- Financial UnderwritingFinancial underwriting from the underwriter's side: human life value with a worked example, income multiples by age, and the income documents insurers ask for.
- Diabetes UnderwritingHow life underwriters assess diabetes for IC-22: types, HbA1c and other tests, the factors that drive the decision, and how complications change it.
- Cardiovascular UnderwritingHow life underwriters assess high blood pressure and coronary artery disease for IC-22: the tests used, what moves the decision, and why riders are stricter.
- Occupation and AvocationHow hazardous jobs, dangerous hobbies, aviation and foreign residence are underwritten for IC-22, and why a flat extra or exclusion suits these risks.
- ReinsuranceReinsurance in life insurance for IC-22: retention limits, quota share vs surplus with a worked example, excess of loss, and IRDAI's minimum retention rules.
- Life UnderwritingLife underwriting assesses mortality risk and decides terms for each proposal.
- Mortality TablesA mortality table shows death rates by age, and is a base for pricing and underwriting.
- Substandard LivesA standard life fits normal rates.
- Medical UnderwritingMedical underwriting reviews history, reports and exam results.
- HypertensionHigh blood pressure raises cardiovascular risk.
- Build and BMIHeight and weight give a simple risk indicator.
- Family HistoryFamily history can point to inherited risks, such as heart disease.
- Moral HazardMoral hazard in life insurance includes cover with no real need or suspicious circumstances.
- Non-Medical LimitsInsurers can accept certain lives without medical tests up to set limits.
III IC-22 FAQ
What is III IC-22 Life Insurance Underwriting?
IC-22 Life Insurance Underwriting is a compulsory paper of the Life stream of the Insurance Institute of India's Associateship diploma (Non-Life candidates take IC-45 General Insurance Underwriting instead). Its syllabus covers Life Underwriting Principles, Process and Structure, Financial, Occupational and Residential Underwriting; Reinsurance, Medical Underwriting I - Blood, Nervous System, Diabetes and Thyroid and Medical Underwriting II - Urinary, Respiratory, Digestive, Cardiovascular and Special Senses. Passing earns 30 credit points towards the Associateship.
What is the IC-22 exam pattern?
An online, objective multiple-choice paper of 2 hours, marked out of 100 (100 questions). III's handbook asks you to attempt every question; if a question is found to be wrong it is removed and marks are pro-rated on the rest.
What are the passing marks for IC-22?
60% and above, which is III's pass mark for every MCQ paper. 75% and above is awarded a distinction. The handbook does not mention negative marking.
Is there negative marking in IC-22?
III's Examination Handbook does not mention negative marking for its professional exams, and III asks for all questions to be attempted, so answer every question.
How many questions does IC-22 have?
The paper is marked out of 100, and it is widely reported as 100 multiple-choice questions in 2 hours. III's handbook does not print a question count for professional papers.
What is the IC-22 syllabus?
The syllabus runs to 15 chapters, which PrepClever groups into four sections: Life Underwriting Principles, Process and Structure (Life Underwriting - Principles and Concepts (Part 1), Life Underwriting - Principles and Concepts (Part 2) and Underwriting: Process and Structure); Financial, Occupational and Residential Underwriting; Reinsurance (Financial Underwriting, Occupational, Avocational and Residential Risks and Reinsurance); Medical Underwriting I - Blood, Nervous System, Diabetes and Thyroid (Blood Disorders, Nervous System, Diabetes Mellitus and Thyroid Diseases); Medical Underwriting II - Urinary, Respiratory, Digestive, Cardiovascular and Special Senses (Urinary System, The Respiratory System, Gastrointestinal (Digestive) System, Cardiovascular System and Special Senses: Disorders of the Eyes, Ears and Nose). III says the syllabus is indicative, not exhaustive.
How are the questions split across chapters?
III does not publish a chapter-wise weightage. Our mocks spread the 100 questions across the chapters in proportion to their size, grouped into four sections, so no chapter is over- or under-practised.
What is free on PrepClever?
Mock Test 1, the full 100-question paper, plus one practice test across every section and the whole Life Underwriting Principles, Process and Structure chapter, all without paying. The other mocks, practice tests and chapters are premium.
How is IC-22 different from IC-38?
IC-38 is the agent licensing exam (50 questions, 35% to pass) you sit before you can sell insurance. IC-22 is a compulsory paper of the Life stream of the Insurance Institute of India's Associateship diploma (Non-Life candidates take IC-45 General Insurance Underwriting instead), pitched at people building a career in insurance, and it needs 60% to pass.
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