III IC-22 Exam Pattern and Passing Marks
Two hours, multiple choice, 60% to pass. Here is how the paper is scored and what III does not publish.
IC-22 Life Insurance Underwriting is one online multiple-choice paper, 2 hours long. You pass with 60% and earn a distinction with 75%. There is no negative marking, and III expects every question to be attempted. There is no descriptive paper, no practical and no interview.
This page covers the mechanics: how the paper is scored, what happens if a question is wrong, and the exam-day rules. What the questions cover is on the syllabus page.
You save ₹250
- Full 100-question mocks
- Chapter-wise practice
- Section-wise sets
One payment, no subscription · Valid for 1 month
The IC-22 Exam Pattern at a Glance
| Detail | What III says |
|---|---|
| Mode | Online, at an exam centre whose date, time and centre you book yourself |
| Question type | Objective multiple-choice questions (MCQ) |
| Duration | 2 hours |
| Pass mark | 60% and above |
| Distinction | 75% and above |
| Negative marking | None |
| Questions to attempt | All of them |
| Credit points on passing | 30, towards the 250 the Associateship needs |
| Language | English is the norm; the IC-22 study course is published in English only |
How Many Questions Are There?
III states the pass rule as a percentage and does not print a question count or maximum marks for its professional papers. IC-22 is widely reported as 100 questions for 100 marks. Whatever the count on the day, the bar is the same: 60% of the maximum.
How PrepClever's Mocks Split the Paper
III publishes no chapter-wise weightage. Our full mocks spread 100 questions across four sections in proportion to the size of the chapters. This is our structure, not III's.
Life underwriting principles, process and structure
Chapters
1-3
Questions in our mocks
20
Financial, occupational and residential underwriting; reinsurance
Chapters
4-6
Questions in our mocks
20
Medical underwriting I: blood, nervous system, diabetes, thyroid
Chapters
7-10
Questions in our mocks
27
Medical underwriting II: urinary, respiratory, digestive, cardiovascular, special senses
Chapters
11-15
Questions in our mocks
33
| Section | Chapters | Questions in our mocks |
|---|---|---|
| Life underwriting principles, process and structure | 1-3 | 20 |
| Financial, occupational and residential underwriting; reinsurance | 4-6 | 20 |
| Medical underwriting I: blood, nervous system, diabetes, thyroid | 7-10 | 27 |
| Medical underwriting II: urinary, respiratory, digestive, cardiovascular, special senses | 11-15 | 33 |
Quick practice on insurance principles. No signup.
What the Questions Look Like
IC-22 questions are short and mostly single-fact. Some test a definition (what affordability means in financial underwriting, what a surplus treaty cedes). Many test the medical chapters: which test measures diabetic control, which spirometry pattern shows obstruction, what an uninvestigated thyroid nodule usually leads to.
The trap is usually a near-miss option. Quota share against surplus, mortality against morbidity, obstruction against restriction. Learn the pairs, not just each term on its own.
What Happens if a Question Is Wrong
III's Examination Handbook sets a fixed rule:
- 1
Raise it within 8 days
Log in to the III portal and file a Question Paper Related Query within 8 days of your exam. It costs ₹100 per query plus GST.
- 2
Under 10% wrong: the question is dropped
If fewer than 10% of the questions are declared erroneous, they are removed for everyone and marks are recalculated on the remaining questions.
- 3
10% or more wrong: the paper is void
The paper is cancelled and III holds a re-examination for those who sat it, with no extra fee.
- 4
No re-totalling, no answer sheet
Re-totalling and revaluation are not available, and online candidates are not given their answer sheet.
Exam-Day Rules
From III's Examination Handbook.
- checkBring the hall ticket you downloaded when you booked your slot, with a valid photo ID.
- checkSimple and scientific calculators are allowed, but III does not provide one. Handy for BMI or rating sums.
- checkNo books, notes, periodicals or mobile phones in the hall.
- checkEligible candidates with a disability get 20 extra minutes for every hour of the exam.
- checkYou can sit up to 6 papers in one session, so IC-22 can go alongside IC-26 Life Assurance Finance and optional papers.
Answer Every Question
With no negative marking and an instruction to attempt all questions, a blank can only cost you. If time runs short, mark an answer for every remaining question.
FAQs
What is the passing mark for IC-22?expand_more
60% and above. 75% and above is a distinction. This is III's rule for every professional MCQ paper.
Is there negative marking in IC-22?expand_more
No. III's FAQ states its MCQ exams have no negative marking, and its handbook asks for all questions to be attempted.
How many questions are in the IC-22 exam?expand_more
III does not print a question count for professional papers. IC-22 is widely reported as 100 multiple-choice questions in 2 hours.
Can I write IC-22 in Hindi?expand_more
The IC-22 study course is published in English only. III publishes the list of subjects offered bilingually each session on its Online Examination Schedule page; check it before you enrol.
Can I take IC-22 before passing the Licentiate?expand_more
No. III's handbook says the Licentiate must be passed before you register for the compulsory subjects of the Associateship, and IC-22 is one of them.
Access exam-specific mock tests directly from your Android device.Next steps
- Syllabusarrow_forward
- Previous Year Papersarrow_forward
- Fees & Eligibilityarrow_forward
- III hall ticket and resultarrow_forward
Simulate the 2-hour paper against the 60% bar.