General Knowledge Quiz

Insurance protects against specific risks like health issues, death (life insurance), or property damage. Jobs or employment are not insurable assets - you cannot buy an insurance policy to protect against losing a job. While unemployment insurance exists, it is a government social program, not a private insurance product for 'jobs'.

Loss ratio is calculated as (claims incurred) divided by (premiums earned). It is a key metric showing what percentage of premium income is being paid out in claims. A ratio above 100% means the insurer is paying more in claims than it collects in premiums.

Jettisoning cargo involves intentionally throwing parts of a ship's cargo or equipment overboard to lighten the vessel during an emergency or storm.

Standard insurance premium payment modes are monthly, quarterly (every 3 months), semi-annually or half-yearly (every 6 months), and annually. Fortnightly (every 2 weeks) is not a standard premium payment frequency offered by insurance companies, though it is used in other contexts like payroll.

In the electromagnetic spectrum, visible light ranges from about 400-700 nanometers. Ultraviolet has shorter wavelengths (<400nm), while infrared has longer wavelengths (>700nm). X-rays have extremely short wavelengths, and thermal radiation is a broad category not specific to solar spectrum position.

The Union Jack is the national flag of the United Kingdom, combining the crosses of St. George (England), St. Andrew (Scotland), and St. Patrick (Ireland). The other options are made-up names combining similar words.

The State Duma is the lower house of the Russian parliament. The Knesset is Israel's parliament, Diet refers to Japan's legislative body, and Cortes is the Spanish parliament. These are distinct national institutions.

Hamid Ansari was the Chairman of Rajya Sabha (2007-2012). The Vice President of India serves as the ex-officio Chairman of Rajya Sabha. K Rahman Khan was a Deputy Chairman, Karia Munda was a Speaker (Lok Sabha), and Meira Kumar was also a Speaker (Lok Sabha).

Saina Nehwal received the Rajiv Gandhi Khel Ratna Award in 2016, India's highest sporting honor, for her achievements in badminton including Olympic bronze and world number one ranking. She was the first Indian female badminton player to achieve this.

Novak Djokovic won his second Australian Open title in 2011, defeating Andy Murray in the final. This victory began his dominant period where he won three Grand Slams that year. Federer won in 2010, Nadal in 2009.

Spider-Man 3 features three villains: Sandman (Flint Marko), Venom (Eddie Brock), and New Goblin (Harry Osborn). While the question asks for 'villan' (singular), both Sandman and Venom are primary antagonists. Dr Octopus is from Spider-Man 2, Green Goblin from the first film.

In insurance, a participating (or 'par') policy is one where the policyowner shares in the insurance company's divisible surplus profits. These policies pay dividends to policyholders when the company performs well. Non-par (non-participating) policies do not share in surplus profits - premiums are fixed and no dividends are paid.

Cash surrender value equals the accumulated cash value minus any surrender charges the insurance company deducts, plus any outstanding policy loans that must be repaid. Option C correctly shows this formula. Option A incorrectly adds surrender charges, and Option D omits policy loans entirely.