Associateship Exam – Memory Based Questions with 100% Pass Guarantee
Actual Questions Asked in Real III Exam | IC-22, IC-45, IC-26 & IC-46 Previous Year Questions with Detailed Answers
100%
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Memory
Based Real Questions
10,000+
Students Passed
Latest
2025 Exam Pattern
šÆ 100% Pass Guarantee with Memory-Based Questions
All questions are collected from actual III Associateship exams!
Our mock tests contain the exact same questions that were asked in previous III examinations. These are memory-based questions compiled by students who recently appeared for and passed the Associateship exam.
- ā Real Questions Asked in III Exam – Not just practice questions
- ā Memory-Based Collection – Actual exam questions from recent test-takers
- ā Previous Year Questions – IC-22, IC-45, IC-26, IC-46 with answers
- ā Detailed Explanations – Understand every answer thoroughly
- ā Updated for 2025 – Latest exam pattern and syllabus
- ā Proven Success Rate – 10,000+ students already passed
Don’t waste time on random practice questions. Study what actually appears in the exam!
About Associateship Examination
The Associateship Exam is the second level of professional qualification offered by the Insurance Institute of India (III). This prestigious certification is essential for insurance professionals looking to advance their careers in the Indian insurance industry.
Why Our Memory-Based Mock Tests Guarantee Your Success?
- Actual Questions from III Exam: All questions are memory-based from real Associateship examinations – not generic practice questions
- 100% Pass Guarantee: Our students consistently score 90%+ because they practice the exact questions that appear in exams
- Previous Year Questions: Comprehensive collection of questions asked in IC-22, IC-45, IC-26, and IC-46 exams over the past years
- Memory-Based Question Bank: Questions compiled by students who recently appeared for the exam and shared their experience
- Detailed Solutions: Every question comes with step-by-step explanations written by III certified experts
- Latest 2025 Pattern: Updated according to the current Insurance Institute of India exam pattern and syllabus
- Performance Analytics: Track your progress and identify which real exam questions you need to focus on
- Unlimited Practice: Access memory-based questions anytime, anywhere until you’re 100% confident
- Expert Support: Join our Telegram community with 10,000+ members for instant doubt clearing
Credit Points Structure
To obtain the Associateship qualification, candidates need to acquire a total of 250 Credit Points, which includes:
- 60 Credit Points from Licentiate Level examinations (already completed)
- 60 Credit Points from mandatory Associateship subjects (30+30)
- 130 Credit Points from optional subjects
Mandatory Subjects – Choose One from Each Group
Group 1: Underwriting (Choose One)
Life Insurance Underwriting
Memory-based questions from actual IC-22 exam. Covers risk assessment, medical underwriting, financial underwriting, and policy issuance. Practice real questions asked in III exam with detailed answers.
Access IC-22 Real Exam Questions āGeneral Insurance Underwriting
Previous year questions from IC-45 exam. Complete coverage of general insurance underwriting, risk evaluation, and policy terms. All questions are memory-based from real III examinations.
Access IC-45 Real Exam Questions āGroup 2: Finance & Accounts (Choose One)
Life Assurance Finance
Actual IC-26 exam questions with answers. Life insurance finance, actuarial principles, premium calculation, reserving, and solvency margins. Memory-based questions from recent exams.
Access IC-26 Real Exam Questions āGeneral Insurance Accounts & Investment Regulation
Real IC-46 questions asked in III exam. General insurance accounting, financial statements, investment regulations, and IRDAI guidelines. 100% memory-based question bank.
Access IC-46 Real Exam Questions āOptional Subjects – Memory-Based Questions from Real Exams
Complete optional subjects with actual questions asked in III exams to reach the required 250 total credit points. All questions are memory-based and collected from recent test-takers.
Reinsurance Management
Previous year IC-85 questions. Reinsurance principles, treaties, facultative reinsurance, and claims management. Memory-based questions from actual III examinations.
Access IC-85 Real Questions āRisk Management
Actual IC-86 exam questions. Risk identification, assessment, mitigation strategies, and enterprise risk management. All questions from real III exams.
Access IC-86 Real Questions āHuman Resources Management
Memory-based IC-90 questions. HR practices, recruitment, training, and performance management specific to insurance industry. Questions asked in recent exams.
Access IC-90 Real Questions āHealth Insurance
Previous year IC-27 questions. Health insurance products, underwriting, claims management, and regulatory requirements. Memory-based question bank from III exam.
Access IC-27 Real Questions āJoin Our Insurance Exam Telegram Community
Connect with thousands of insurance exam aspirants preparing for various exams. Get daily updates, study materials, and expert guidance!
Join Telegram Group NowFrequently Asked Questions (FAQ)
Are these real questions asked in III Associateship exam?
Yes, 100% authentic! All our questions are memory-based and collected from students who recently appeared for the actual Associateship examination. These are the exact same questions that appeared in IC-22, IC-45, IC-26, IC-46, and optional subject exams. We continuously update our question bank with the latest questions from each exam cycle.
What does “100% Pass Guarantee” mean?
Our 100% pass guarantee means that if you practice all the memory-based questions in our mock tests and score consistently above 80%, you will definitely pass the actual III Associateship exam. Over 10,000 students have already passed using our material. The questions in our mock tests are the same questions that appear in the real exam, giving you the highest probability of success.
How are memory-based questions collected?
Our memory-based questions are collected through a network of students who appear for the III Associateship exam each month. After completing their exam, they share the questions they remember with our team. We compile, verify, and organize these questions with detailed answers and explanations. This process ensures you get access to actual exam questions, not just practice material.
Will the exact same questions appear in my exam?
Yes! The Insurance Institute of India repeats questions across different exam cycles. Our memory-based question bank contains questions from the past 2-3 years, and there’s a very high probability (85-95%) that you’ll see the same or very similar questions in your exam. This is why our students consistently score above 90%.
What is the eligibility for Associateship Exam?
Candidates must have successfully completed the Licentiate Examination from the Insurance Institute of India before they can register for the Associateship Examination.
How many credit points are required for Associateship certification?
A total of 250 credit points are required, which includes 60 credit points from Licentiate level, 60 points from mandatory Associateship subjects, and 130 points from optional subjects.
What is the difference between IC-22 and IC-45?
IC-22 focuses on Life Insurance Underwriting while IC-45 covers General Insurance Underwriting. Candidates choose based on their career specialization – life insurance or non-life (general) insurance. Both exams have memory-based questions available in our mock test platform.
Can I take both life and general insurance subjects?
Yes, you can choose subjects from both streams. However, you must select at least one underwriting and one finance subject from either life or general insurance to meet the mandatory requirements.
How recent are your previous year questions?
We update our question bank every month with the latest questions from recent exams. Our memory-based questions cover exams from 2023, 2024, and 2025, ensuring you have access to the most current and relevant exam material.
Which optional subjects should I choose?
Choose optional subjects based on your career goals and interests. Reinsurance Management (IC-85) and Risk Management (IC-86) offer 40 points each and are popular choices. Health Insurance (IC-27) is valuable given the growing health insurance sector. All our optional subject mock tests contain memory-based questions from actual III exams.
How can I join the Telegram group for exam updates?
Click on the “Join Telegram Group” button on this page or visit https://t.me/study4insurance. The group provides the latest memory-based questions, exam updates, previous year papers, and connects you with fellow aspirants preparing for III Associateship, Licentiate, Surveyor, GIPSA, Para 13.2, and LIC AAO exams.
Memory-Based Associateship Exam Questions – Your Key to Success
Why Memory-Based Questions Are Essential for III Associateship Exam
The Insurance Institute of India Associateship exam follows a pattern where questions are frequently repeated across different exam cycles. This makes memory-based questions the most valuable resource for exam preparation. Our comprehensive collection of actual questions asked in III exam gives you the exact blueprint of what to expect in your examination.
What Makes Our Question Bank Different?
Unlike generic practice questions or textbook exercises, our mock tests contain 100% memory-based questions from real Associateship examinations. Every question has been carefully collected from students who recently appeared for IC-22, IC-45, IC-26, IC-46, IC-85, IC-86, IC-90, and IC-27 exams. These are not approximate or similar questions ā these are the exact questions that appeared in the actual III exam halls.
Previous Year Questions with Detailed Solutions
Our platform provides comprehensive previous year questions for Associateship exam spanning the last 2-3 years. Each question comes with step-by-step explanations, helping you understand not just the correct answer but the underlying concepts. This approach ensures that even if the question is slightly modified, you’ll still know how to solve it.
How Our Students Achieve 100% Pass Rate
- Real Exam Questions: Practice the exact questions that will appear in your exam
- Pattern Recognition: Understand how III frames questions and what they’re looking for in answers
- High Repetition Rate: 85-95% of questions in each exam are repeated from previous cycles
- Detailed Explanations: Learn the reasoning behind each answer for deeper understanding
- Regular Updates: New memory-based questions added every month from recent exams
- Subject-Wise Organization: Questions organized by IC-22, IC-45, IC-26, IC-46, and optional subjects
- Difficulty Levels: Practice questions ranging from easy to difficult as they appear in real exams
Understanding the Credit-Based System
The Associateship examination follows a credit-based system where candidates must accumulate 250 credit points through a combination of mandatory and optional subjects. Our memory-based mock tests cover all subjects with actual exam questions, ensuring you’re thoroughly prepared for every paper you choose to attempt.
Questions Asked in Recent III Associateship Exams
Our question bank is continuously updated with the latest questions asked in III exam each month. Here’s what makes our collection comprehensive:
- IC-22 (Life Insurance Underwriting): 500+ memory-based questions covering risk assessment, medical underwriting, financial underwriting, and policy issuance
- IC-45 (General Insurance Underwriting): 450+ previous year questions on property, marine, motor, and liability insurance underwriting
- IC-26 (Life Assurance Finance): 400+ real exam questions on actuarial principles, premium calculation, and financial management
- IC-46 (General Insurance Accounts): 420+ actual questions on accounting standards, IRDAI regulations, and investment guidelines
- IC-85 (Reinsurance Management): 350+ memory-based questions on reinsurance treaties, facultative arrangements, and claims
- IC-86 (Risk Management): 380+ previous year questions on risk identification, assessment, and mitigation
- IC-90 (HR Management): 300+ real exam questions on recruitment, training, and performance management
- IC-27 (Health Insurance): 320+ actual questions on health products, underwriting, and claims management
Best Strategy for Using Memory-Based Questions
- Complete All Questions: Practice every memory-based question in your chosen subjects at least twice
- Focus on Repetition: The more you practice actual exam questions, the better your retention
- Understand, Don’t Memorize: Use the detailed explanations to grasp concepts, not just answers
- Track Your Progress: Monitor which question types you struggle with and focus on those areas
- Time Yourself: Practice under exam conditions to improve speed and accuracy
- Join Study Groups: Discuss difficult questions with peers in our Telegram community
- Revise Regularly: Go through all questions one week before your exam for final revision
Why Students Trust Our Memory-Based Question Bank
Over 10,000 insurance professionals have successfully cleared their Associateship examination using our memory-based questions. The 100% pass guarantee we offer is backed by actual results ā our students consistently score 90%+ because they’re practicing the exact questions that appear in exams. When you know what’s coming, success is guaranteed.
Career Opportunities After Associateship
Associateship certification opens doors to senior positions in insurance companies, including underwriting managers, risk managers, product development roles, and regulatory compliance positions. Many insurance organizations prefer Associateship qualified professionals for middle and senior management roles. With our memory-based questions, you can achieve this certification faster and with better scores.
Join Thousands of Successful Candidates
Don’t leave your success to chance. Join our community of successful Associateship exam candidates who trusted our memory-based questions and achieved their certification on the first attempt. Access real exam questions, get expert guidance, and connect with fellow aspirants in our active Telegram group.