Insurer (carrier-insurance company): insurance company which gives

insurance to others.

Insured (customers): people who takes insurance from insurance company

Insurance: Transferring risk from Insured to insurance company.

What do you mean by term ‘Insurer’ and ‘Insured’?

Insured is the one who holds the policy and Insurer is the company that covers
the insured.

Who is the beneficiary?

Beneficiary is the one whom you have nominated for the insured amount in
case of your death.

What do you mean by ‘insurance coverage’?

The term ‘insurance coverage’ means, when an individual takes an insurance

policy the insured will be covered by insurance company for a specific amount
for themselves or the things that he had taken the insurance policy, for which
he would be paying premiums to the insurance company. The insurance
company will pay the insured in case of damage or claims made by the insured
according to their ‘insurance coverage’.

What are the different types of Insurance Coverage?

Insurance policy is categorised into two

a) General or Non-life Insurance

b) Life Insurance

What is General Insurance policy? What does it cover?

General Insurance is basically an insurance policy that protects you from losses
and damages other than covered by life insurance. For example it covers

a) Personal property such as car or house

b) Accident and health Insurance

c) Liability Insurance – legal Liabilities

d) Property against natural calamities like flood, fire, earthquake etc.

e) Burglary and theft

f) Coverage on transport vehicles carrying goods like Cargo Ship

g) Coverage against machinery breakdown

h) Travel

What is the different type of Life Insurance?

There are two type of life insurance

a) Term Life Insurance:

Term life Insurance is a type of life Insurance, which provides coverage for
fixed rate of premium for a limited period of time. Term Insurance can cover
you for the term of one or two years.

b) Permanent Life Insurance:

Permanent Life Insurance coverage individual for the whole life; people take
permanent life insurance about 25-30 years normally. The premiums are
slightly higher than Term Life Insurance

Policy life cycle and policy transactions:

1st create an account in that account we can create policies…in policy we can
add coverage’s, exposures, locations, etc. For those policies we can do
different Transactions like policy change, rewrite, renewal, reinstatement,
rescind.

Submission: The goal of the submission process is to create a policy and have
the policyholder accept it. After entering the policyholder’s information, the
producer gives a quote. If the policyholder agrees and accepts it, then the
producer binds the policy and sends it out with the accompanying
documentation.
Policy Changes: Any changes to a policy can require additional evaluation on
the part of an underwriter and result in a change to the premium.

A typical change might include additions to the policy (such as adding drivers
or cars) or changes to coverage limits and deductible amounts.

(Policy change mid-term and inception)

Renewals: The normal progression just before a policy expires is to renew it

for another period of time—six to 12 months is typical.

After Policy Center renews a policy, it returns the policy to maintenance mode
until the policy changes, expires, cancels, or renews again.

Rewrites: If your policy has various errors and your query also has a lot of
errors, then it is advised to re-write the query. Before being rewritten, you just
have to take care of the cancellation process

Or When there are many errors are on a policy, it becomes necessary to

rewrite it. Policies must first be canceled before being rewritten.

Reinstatements: Reinstatements are interconnected to cancellations. Reinstate

means if a person cancelled the policy again if he want same policy with same
data then we can use reinstatement. The policy is in-force as of the
reinstatement date. The reinstatement removes the cancellation from the
policy period since the period is no longer canceled. The expiration date
remains the same

Reinstatements are interconnected to cancellations. It is a basic type of policy

amendments which returns an irrecoverable policy. The reinstatement
confiscates the termination from the policy passed meanwhile the period is no
longer unnoticed. The ending date remnants the similar. After the
cancellations, reinstatements can be raised with a single request.

Or Reinstatements go hand in hand with cancellations and are a type of policy

change that returns a canceled policy to in-force status. The policy is in-force
as of the reinstatement date. The reinstatement removes the cancellation
from the policy period since the period is no longer canceled. The expiration
date remains the same.
Cancellations: Cancellation of a policy is easy through Policy Center. You just
have to raise a request for the cancellation processes. You can give you the
correct information for submitting policy to be cancelled with no breakdown in
coverage.

Cancellation: Cancells a policy and sets the policy status to cancelled.

Cancellation types:

1. Flat cancellation: when a policy holder cancels a policy on the

policy effective date.
2. Scheduled cancellation: Insurance policy is cancelled prior to the
expiration date.

Audits

The audit job lets the carrier verify information about the policyholder so that
they can determine the accuracy of premiums paid. The audit job provides
final audit and premium reports.

PolicyCenter supports only final audit for the workers’ compensation line of
business. You set up the method of final audit (physical, voluntary, or by
phone)when you create the workers’ compensation policy.

With premium reports, the policyholder is billed for premium based on

periodic requests for actual basis amounts, such as payroll. A deposit, usually a
percentage of the estimated annual premium, is billed at the beginning of the
policy. As each reporting period ends, the policyholder is billed based on the
actual basis reported by them.

Policy Flow

Means we have to explain all mandatory fields in all screens

FEIN:

In the United States, the government requires businesses to have

a Federal Employer Identification Number (FEIN). This 9-digit number,
often called a "tax ID number," classifies a company for tax reporting and
other business purposes. A FEIN number is also used in a company's
dealings with its insurance carrier

Named insured?

Difference between producre code an agency code?

Risk, Hazrd,Parel:

Risk, peril, and hazard are terms used to indicate the possibility
of loss, and are often used interchangeably, but the insurance
industry distinguishes these terms. A risk is simply the
possibility of a loss, but a peril is a cause of loss. A hazard is a
condition that increases the possibility of loss. For instance,
fire is a peril because it causes losses, while a fireplace is a
hazard because it increases the probability of loss from fire

Diff b|w quick quote and quote?

Diff b\w quote and issue

Diff b\w issue and bind

Bind: An insurance binder is a brief document that serves as a temporary

insurance policy. It remains in effect for a short time, typically 30 to 90
days. A binder dissolves once the policy is issued.

Issue: A binder may be issued by an insurance company or by an

insurance agent on the insurer's behalf. An agent can issue a binder
only if they have been afforded binding authority (the authority to initiate
coverage) by the insurer.

What is premium? How it is calculated

Premium is an amount paid periodically to the insurer by the insured for

covering his risk. Description: In an insurance contract, the risk is transferred
from the insured to the insurer. For taking this risk, the insurer charges an
amount called the premium.

Or It is the amount to be paid for a contract of insurance to the insurance

company. It is the sum that a person pays monthly, quarterly or annually
according to their plan, in return of the coverage he/she has taken from the
insurance company.

 You pay insurance premiums for policies that cover your health, car,
home, life, and others.
 Insurance premiums vary depending on your age, the type of coverage,
the amount of coverage, your insurance history, and other factors.
 Premiums can increase each time you renew an insurance policy.

All LOBS with examples:

1. Commercial Auto
2. Commercial Umbrella
3. Commercial Property
4. General Liability
5. Inland Marine
6. Business Owners
7. Commercial Package

Commercial Auto: Commercial auto insurance is liability and physical damage

protection for vehicles, such as cars, trucks and vans that are used for business.

UM, UIM, hired auto coverage, non-owned auto, hired auto other than
collision,

Commercial Umbrella: It is a combination of different policies.

Commercial Property: Commercial property insurance protects your company's

physical assets from fire, explosions, storms, theft.

Equipment breakdown enhancement, brands and labels, caps on losses from

certified acts of terrorism, “Outdoors trees, shrubs, plants”, sprinkle leakage-
earthquake extension, information technology coverage endorsement

General Liability: GL insurance Policy can help cover claims that your business
caused.
Change in occurance definition, cap on lossess from certified acts of terrorism,
boats, emp ben liability cov, pesticide or herbicide applicator coverage, beauty
salloons and professional loability, barber shop and hair saloons professionsla
liability, basic farm premises libility

Ex: We have insurance for one shop. In that shop if any third party person or
property damages then insurance company will pay the money.

0r it is liability insurance(Liability insurance policies cover the insured

against any claims due to causing bodily injuries and damages to the
property of unknown people.)

it is a coverage that can protect you from variety of claims such as

personal injury, property damage. It is related to court judgments,
litigations.

In our project, if any risk occurs to the doctors while doing surgery,
doctors have to pay some amount to patient, if he take insurance from
medpro, then medpro will take care of that.

Inland Marine: inland marine insurance covers products, materials and

equipment when transported over land (truck or train) or water.

Account recieveable, commercial articles, commercial fine arts, signs,

transportation, valuable papers and reords, motor truck cargo, installation
floater, contractors equipment, physions and surgons,

Commercial Package: Combinat5ion of GL, CP, IM LOBs

Verions I Policy(in quote screen)

Reinsurance:

“Reinsurance is insurance for insurance companies.”

Reinsurance means an insurance for insurance companies. Insurance
companies cover the risks for individuals and businesses. Reinsurance covers
the risk of excessive claims due to different reasons for insurance companies

Preeamtions A Preemptive policy change occurs when there is already an open

policy change on a policy and a second policy change is created and bound.
The second policy change has preempted the first policy change.

OOS policy change

An out-of-sequence change describes a policy transaction change whose

Effective Date is earlier than the Effective Date of another policy transaction
that is already bound on the policy. If the two policy changes do not have any
conflicts, the system handles everything for you. But if there is a conflict, the
system will lead you through an out-of-sequence change.

Diff b\w coverages and coverables

What is indemnity? Definition and examples

Definition: Indemnity means making compensation payments to one party by

the other for the loss occurred.

Description: Indemnity is based on a mutual contract between two parties (one

insured and the other insurer) where one promises the other to compensate
for the loss against payment of premiums.

Indemnity is compensation paid by one party to another to cover damages,

injury or losses.

Indemnification is the act of being protected from or not being held liable for
damages, loss or harm, by shifting the liability to another party

(e.g. an insurance company). The two terms are commonly used

interchangeably.

Typically, indemnity is a contractual agreement which includes compensation

by cash payments, replacement, repairs, or reinstatement.

In a legal sense, indemnity is the same as compensation or reparation

Stroms:
The owner of this house was indemnified. This means the insurance company
covered the repair costs caused by the lightning damage.

What does ‘Indemnity’ term means?

‘Indemnity’ term in the insurance is used to cover the loss or damage claimed
by another person. For example, the owner of the gym has indemnity
insurance to compensate it customers in case of injury or accident and to avoid
the financial loss due to a lawsuit.

What is subrogation?

‘Subrogation’ is referred as the process of seeking reimbursement from the

responsible party for a claim that they had already paid. For example, you have
an accident where your car gets damaged,and you have car insurance, the
insurance company will pay you the money. But the insurance company comes
to know that the accident occur due to other party fault, now they will claim
the money from the other party this is known as ‘subrogation’.

By using subrogation, an insurance company can recover the amount of

the insurance claim paid to the insured client from the party that caused
the damage.

John and Sam were involved in a car accident. As a result,

John’s car was severely damaged, and he required $3,000 for
the repair of the vehicle. Luckily, John’s car was insured, and he
recovered the full cost of the repair ($3,000) through an
insurance claim.

Eventually, an investigation determined that Sam was

responsible for the accident as he exceeded the speed limit.
John’s insurance company decides to recover the amount of the
claim from Sam, as he caused the damages.

In such a case, John’s insurance company can use the

subrogation doctrine to recover its losses. The insurer can sue
Sam to recover its losses while representing the interests of
John in the court.
Colloision and comprehensive?

What is ‘collision coverage’ and ‘comprehensive coverage’ in Auto insurance?

Collision coverage covers when you have a collision with any other object or
vehicle while comprehensive coverage covers your vehicle other than collision,
when your car is not in use.

 Collision Insurance covers damage to your vehicle in the

event of a covered accident involving a collision with
another vehicle. This may include repairs or a full
replacement of your covered vehicle.
 Comprehensive car insurance pays for damage to your
vehicle caused by covered events such as theft, vandalism
or hail, which are not collision-related.

Collision Insurance

Your car hits an object, such as a tree

 Your car collides with another vehicle
 Your car rolls over
 Your car is damaged due to hitting a pothole
Comprehensive Insurance

 An object falls on your car, such as a tree

 An animal collides with your car
 Your car is damaged due to fire or natural disaster
 Your car is vandalized or stolen

UM and UIM?

Uninsured Motorists coverage (UM) protects you if your vehicle

is hit by a driver without auto insurance, or if you’re involved in
a hit and run. Your insurance will pay for medical bills and lost
wages for you, your family members, and/or other passengers
in the vehicle at the time of the accident, up to your limits.

Underinsured Motorists coverage (UIM) applies when the driver

who causes the accident has liability insurance, but the limits
aren’t high enough to cover the damages. In this case, the
other driver’s insurance would pay first, and your UIM coverage
would make up the difference in costs, up to your limits.

VIN number?

VIN stands for Vehicle Identification Number. It is a code of 17

characters that is unique to your vehicle, and it includes letters
and numbers used to identify commercial as well as private
vehicles. The VIN of your bike will provide a lot of details about
your two-wheeler, such as the place of production, description
of the vehicle, identification of the vehicle, manufacture year,
location of the concerned RTO, insurance policy, and more.

Types of vehicles?

Truck,private passenger,punlic transportation,special type

Degg b\w direct bill and agency bill?

What comes under comm property and auto?

Comm buildings anukunta

What is liability

it is liability insurance(Liability insurance policies cover the insured against any

claims due to causing bodily injuries and damages to the property of unknown
people.)

it is a coverage that can protect you from variety of claims such as personal
injury, property damage. It is related to court judgments, litigations.

In our project, if any risk occurs to the doctors while doing surgery, doctors
have to pay some amount to patient, if he take insurance from medpro, then
medpro will take care of that.

Functional testing?

To verify each feature of the application working according to the requirement

given by the client.
Diff b\w PD and BI?

Organization code?

Diff b\w organization code and producure code?

Limit

A policy limit refers to the monetary amount that an insurance company will
pay out in relation to a specific insurance policy claim.

It refers to the maximum amount of money for which an insurance company is

responsbile. For example, a car insurance policy may have a policy limit of $1
million.

This means that the most the insurance company will pay if you make a claim is
$1 million.

WHAT IS AN INSURANCE DEDUCTIBLE?

Insurance deductibles are the amount of money you pay out of pocket toward
a covered claim.

HOW DOES A DEDUCTIBLE WORK?

Let’s say the collision coverage on your car insurance policy has a $500
deductible.

You damage your car in a covered accident; it will cost $3,000 to repair.

You will pay $500 toward repairs, and your policy will cover the remaining
$2,500.

What do you mean by ‘Deductible’?

Deductible is one of the several types of clause that are used by the insurance
company as a threshold for policy payment for health insurance or travel
insurance. Deductible is a decided amount that you have to pay from your
pocket while claiming the insurance. For example, you have a deductible of
$500, and you have insurance coverage for $2000, then you are responsible for
paying for $500 and the remaining amount $1500 will be paid by insurance
company.
Underwriter:

a person whose job is to calculate the risk that is involved in an activity or in

providing insurance for a particular customer, and to decide how much should
be paid for insurance:

As an insurance underwriter, you would assess insurance risks and decide

whether to offer insurance cover.

a company or a person that agrees to accept all the risks that are connected
with a contract of insurance:

Gmail test case:

Positive test cases.

 Enter valid username and password.
 Click on forgot password link and retrieve the password for the
username.
 Click on register link and fill out the form and register username and
password.
 Use enter button after typing correct username and password.
 Use tab to navigate from username textbox to password textbox and
then to login button.
Negative test cases
 Enter valid username and invalid password.
 Enter valid password but invalid username.
 Keep both field blank and hit enter or click login button.
 Keep username blank and enter password.
 Keep password blank and enter username.
 Enter username and password wrong

Manual Testing Interview Questions For (Experienced)

Q1. What is Requirement Traceability Matrix? The Requirements Traceability
Matrix (RTM) is a tool to make sure that project requirement remain same
throughout the whole development process. RTM is used in the development
process because of following reasons: • To determine whether the developed
project is meet the requirements of…
How to claim the policy?

In order to claim the policy, you have to fill up the claim form and contact your
financial advisor from whom you have bought the policy. You have to
supplement all the required documents like original payment receipt to your
insurance company. If everything is ok, you will be paid within seven days of
the policy claimed.

What happens if you fail to make required premium payments?

Usually, Insurance Company gives a grace period of 10-15 days to the insured if
they fail to pay the premium before the due date. Further, if you fail to pay a
premium, then your policy will lapse. You can revive your policy by paying the
outstanding premium along with the interest, counted from the date the policy
got lapsed. Different Insurance Company has a different norm for reviving the
policy.

However, if your policy is in force for alonger period like say more than2-3
years,and if you fail to pay a premium, then insurance company will deduct the
premium amount from your accumulated funds, especially in permanent life
insurance. This will continue till there is an available fund after which your
policy will be terminated.

19) Is it safe to pay the premium through Insurance Agent?

It is safe to pay the premium through your agent as far as you are making the
payment through cheques on the name of Insurance Company and receiving
all the receipts for the payments.

Can an individual take two policies and claim for both of them?

Yes,an individual can take two policies and claim for both.

What do you mean by ‘Additional Insured’? Additional Insured’ is the status

associated mainly with property insurance and liability insurance. The
additional insured will be protected under the main policy holder. For example
a vehicle insurance policy which covers all the members of family and not only
the owner..

What is third party Insurance?

An insurance policy that covers the damage caused by another person or party
is known as third party Insurance. In this type of insurance, the insured is the
first party, insurance company is the second party while the damage done by
another is referred as thethird party. This type of Insurance policy is
purchased for vehicles, so that in case of theaccident they can claim it.

What is a ‘PLPD’ insurance stand for?

PLPD stands for ‘personal liability and property damage’. Personal liability
covers when an individual cause injury to others in an accident while property
damage is done when any property get damaged. In both, the injured party or
third party will claim for insurance money from the insurance company of the
offender.

Guidewire Questions and Answers:

Q7. What is Guidewire?
Ans.

A guidewire is a top-notch application for Insurance Field, mostly it is

used by insurance companies from all over the world to minimize
their IT workflow and simplify the transactions. guidewire software is
intended for extreme scalability & flexibility and to offer insurers the
ability to deliver outstanding service to policyholders and agents and
improve market share – while lessening operating
costs. guidewire support insurance processes: underwriting, billing,
policy administration, and claims management.
Q8. How many Modules in Guidewire?
Ans.

ts three main software products are ClaimCenter, PolicyCenter, and

BillingCenter, each servicing a major component of a P&C insurance
carrier. There are a number of add-on modules, as well as an
increasing number of value-added online services provided
via guidewire Live. Guidewire develops the Gosu programming
language, it released as open source in 2010
Q9. What five words would be describe you as Guidewire?
Ans.
The hiring manager requests this of you because she wants to know
more about your individual personality. This list can reveal a lot to
her about who you are and how you might fit into the workplace.
Your answer also gives the manager an indication of your self-
perception, which is a good indicator of the type of employee you will
be.

Guidewire Questions(Priyanka)

State auto:

Property and casuallty insurance: Insurance which covers our structure,

belongings and properties like houses, cars or any other vechicles.

Ex: If have insurance for our Car and it got damage due to some
accident, then we can claim money from insurance company.

Policy life cycle: 1st create an account in that account we can create
policies…in policy we can add coverage’s, exposures, locations, etc. For
that policies we can do different Transactions like policy change, rewrite,
renewal, reinstatement, rescind.

Agile: Initially we get the requirements, developers will develop and

deploy the code, then we will do testing and then if client is okay with
this, then code will go to release into the market otherwsie we get new
requriements and the same iteration process will repeat.... this
continuous process is called as agile method

Policy center: Policy center stores information about a policy. We can do

mutilple trmasactions such as new business, policy change, rewrite,
renewal, cancellation, reinstatement.

Billing center: a web-based billing system that coordinates, executes,

records and tracks receivables transactions for Property and Casualty
(P&C)

Types of testing:

1. Functional testing
2. Regression testing
3. System testing
 4. End to end testing
5. Smoke testing

Functional testing: To verify each feature of the application working

according to the requirement given by the client.

Regression testing: This testing is done to make sure that new code
should not have side effects on the existing functionalities. Already
executed test cases which are reexecuted to ensure existing
functionalities working fine or not.

End to End testing: To test an application flow from start to end.

SMOKE TESTING, also known as “Build Verification testing which

ensures that the most important functions work. Whenever new build is
provided by the development team then testing team validates the build
and ensures no issue exists.

Difference between retest and regression: If tester finds any defect while
testing and assigns it to the developers to fix it then developers fix the
bug and assign back to the testers. Then testers will retest. Whereas
regression testing is done to make sure that new code should not have
side effects on the existing functionalities.

JIRA_defect life cycle: Backlog  Work in Progress  Staged  ready

for testing  Testing in Progress  retests and if it is working fine then
we move to done otherwise Backlog and assign back to dev.

Passed---backlog-design-design reviwed-reviwed ready-ready no run-

no run passed

SDLC (System development Life Cycle):

Requirement analysis  Design  Implementation  Testing 

Deployment  Maintenance

STLC (System Testing Life Cycle):

Requirement analysis  Testing Planning  Test cases design  Test

Environment Setup  Test Execution  Defect Reporting or Test
closure.

Test case column names:

 1. Test case Number
2. Test case name
3. Test case description
4. Step number
5. Expected result
6. Actual result
7. Sprint number
8. LOB name
9. Assignee
10. Priority
11. Version
12. Epic link
13. Work stream
14. Version
15. Comments

Manual testing

A tester executes test cases manually without using any automation

tools. It does not require knowledge of any testing tool

UAT:

User Acceptance Testing (UAT) is a type of testing performed by the end

user or the client to verify/accept the software system before moving the
software application to the production environment.

UAT is done in the final phase of testing after functional, integration and
system testing is done.

UNIT TESTING is a type of software testing where individual units or

components of a software are tested.

The purpose is to validate that each unit of the software code performs
as expected. Unit Testing is done during the development (coding
phase) of an application by the developers

Execution process

Backlog-dev ready-WIP-staged-RFT-TIP-testing complete-defect-po

acceptance-blocked-donce.
Medpro :( medical protective)

it is liability insurance(Liability insurance policies cover the insured

against any claims due to causing bodily injuries and damages to the
property of unknown people.)

it is a coverage that can protect you from variety of claims such as

personal injury, property damage. It is related to court judgments,
litigations.

In our project, if any risk occurs to the doctors while doing surgery,
doctors have to pay some amount to patient, if he take insurance from
medpro, then medpro will take care of that.

Mobile testing:

*Mobile testing is the process by which mobile apps are tested for
functionality, usability, and consistency. Mobile testing can be done
manually or with automation.

*You may execute some or all Test Cases based on your mobile testing
requirements. Test Cases are organized based on Mobile Testing
Types.

*The Functional Testing of Mobile Application is a process of testing

functionalities of mobile applications like user interactions as well as
testing the transactions

That users might perform. The main purpose of mobile application

functional testing is to ensure the quality, meeting the specified
expectations, reducing the risk or

Errors and customer satisfaction.

*In my 1st project called "MEDPRO" we have worked on mobile testing.

I think that is completely not a mobile testing.

We have just validated how medpro application is displaying and

working on different mobiles (like Samsung, I phone, etc.) using tool
called sauce labs
WCM :( Web content management)

*1st we have to analyze the requirements, next we have walk through

with BA

*designing test cases and execute the test cases

*Check the application whether the content is displaying or not

*If any defects comes, raise the defect in ALM

*Once issue is fixed then retest the defect.

A WCMS is a program that helps in maintaining, controlling, changing,

and reassembling the content on a webpage.

To publish the content in different pages and verified all the

allignments,font sizes of the content published and how it looks like

RTM:

Requirement Traceability Matrix (RTM) is a document that maps and

traces user requirement with test cases.

ALM :( Application lifecycle management)

To upload the test cases and execute and it raise defects

HP ALM (Application Life Cycle Management) is a web based tool that

helps organizations to manage the application lifecycle right from project
planning, requirements gathering,

Until Testing & deployment, which otherwise is a time-consuming task.

DC policy:

worked on product screen validations and fields functionalities

Nitesh Questions:
1) SDLC (System development Life Cycle):

Requirement analysis  Design  Implementation  Testing 

Deployment  Maintenance

2) STLC (System Testing Life Cycle):

Requirement analysis  Testing Planning  Test cases design 

Test Environment Setup  Test Execution  Defect Reporting or
Test closure

3) Difference between smoke testing and Sanity testing

 Smoke Testing is done by both developers and testers whereas

Sanity Testing is done by testers.
 Smoke Testing verifies the critical functionalities of the system
whereas Sanity Testing verifies the new functionality like bug fixes.
 Smoke testing is a subset of acceptance testing whereas Sanity
testing is a subset of Regression Testing.

SMOKE TESTING, also known as “Build Verification testing which

ensures that the most important functions work. Whenever new build is
provided by the development team then testing team validates the build
and ensures no issue exists

Sanity testing means to verify newly added functionalities, bugs, etc are
working fine or not

4) Difference between load and stress testing

Load testing is performed to find out the upper limit of the system or
application. Stress testing is performed to find the behaviour of the
system under pressure. The factor tested during load testing
is performance. The factor tested during stress testing is robustness and
stability.

5) Levels of testing

There are mainly four Levels of Testing in software testing :

1. Unit Testing : checks if software components are fulfilling

functionalities or not
 2. Integration Testing : checks the data flow from one module to other
modules.
3. System Testing : evaluates both functional and non-functional
needs for the testing.
4. Acceptance Testing : checks the requirements of a specification or
contract are met as per its delivery.

6) Test design technologies (static and dynamic)

Dynamic Testing Techniques in STLC consists of different tasks like

Requirements Analysis for the tests, Test Planning, Test case design
and implementation, Test environment setup, Test case execution, Bug
reporting and finally Test closure. All the tasks in dynamic testing
techniques are dependent on the completion of the previous task in the
testing process.

Static Testing Techniques:

Informal Reviews

Walkthroughs

Technical Reviews

Inspections

Static Analysis

Data Flow

Control Flow

7) Principles of testing

 Testing shows presence of defects

 Exhaustive testing is not possible
 Early testing
 Defect clustering
 Pesticide paradox
 Testing is context dependent
 Absence of errors fallacy
8) What is difference between test scenario and test case?

Test scenario consists of a detailed test

procedure. We can also say that a test
Test case consist of test case name,
scenario has many test cases associated
Precondition, steps / input condition,
with it. Before executing the test scenario
expected result.
we need to think of test cases for each
scenario.

Test scenarios are the high level

Test cases are low level actions and it classification of test requirement grouped
can be derived from test scenarios. depending on the functionality of a module
and it can be derived from use cases.

Test case is give detailed information

about if any pre-condition, what to Test scenario is one liner statement which
test, how to test and expected result tell us about what to test.
etc.

Test case means detailed

Test Scenario means talking and thinking
documenting the cases which help
requirements in detail.
executing while testing.

Test cases are set of steps which

performed on system to verify the Test scenario is thread of operations.
expected output.

Test cases are more importance in

case where development is Test scenarios are more important when
happening onsite and QA is time to write test cases is no sufficient and
happening Off shored. It will help to team members are agree with the detailed
understand and make both developer one liner scenario.
and QA in sync.

Writing test cases is one time effort

In new software testing generation it is new
which can be used in future while
idea and time saver activity. The addition
executing regression test case.
and modification (easy maintainability) of
While reporting defects it will help
test scenarios is easy and independent on
tester to link the defect with test case
specific person.
id.
Example 1)
Requirement is to test your phone WiFi:

Verify that device automatically connects to Wi-Fi

Test Scenario
if user creates new profile

Test case 1: Create WiFi profile and verify that it

Test cases
created successfully

Test case 2: Verify that device is able

to connect to Wi-Fi

9) What is difference between test strategies and test plan?

Test Plan Test Strategy

A test strategy is a high-level

A test plan describes in detail the
document containing some
scope of testing and the different
guidelines about the way
activities performed in testing.
testing will be carried out.

A test plan is specific to a particular A test strategy is usually for a

project. complete organization.

It describes the whole testing It describes the high-level test

activities in detail – the techniques design techniques to be used,
used, schedule, resources, etc. environment specifications,
 etc.

It is prepared by the test lead or It is generally prepared by the

test manager. project manager.

A test plan document includes A test strategy document

components like – features to be includes – scope, test
tested, components not to be approach, testing tools, test
tested, approach to testing, pass- environment specifications,
fail criteria, test deliverables, release control, risk analysis,
estimates, assumptions, etc. etc.

Test plans can be changed or Test strategy is usually not

updated. changed.

It is more about general

It is about the details and specifics. approaches and
methodologies.

10) What is RTM?

Requirement Traceability Matrix (RTM) is a document that maps and

traces user requirement with test cases.
Duck creek:

1) Components of duck creek?

2) What is author, what it does?

3) How rating works. How it is calculated

It is premium calculation of policy.

Factors effecting rating depends on LOB such as

Deductibles

Discounts

Limit factor

Base rate

For example, In submission we added some coverage’s/exposures,etc and

issue the policy. During policy change for that policy if we do some changes like
increasing the limits of the existing coverage’s/ exposures then premium is
increased automatically.

4) What is product Studio?

5) What is duck creek shredding?

6) Parameters of policy

7) Policy life cycle

1st create an account in that account we can create policies…in policy

we can add coverage’s, exposures, locations, etc. For that policies we
can do different Transactions like policy change, rewrite, renewal,
reinstatement, rescind.

8) Template Upgrade

9) Platform Upgrade
10) Static form & Dynamic form with examples

11) Proprietary, ISO and OOB form

12) What is premium? How it is calculated

Premium is an amount paid periodically to the insurer by the insured for

covering his risk. Description: In an insurance contract, the risk is
transferred from the insured to the insurer. For taking this risk, the
insurer charges an amount called the premium.

 You pay insurance premiums for policies that cover your health,
car, home, life, and others.
 Insurance premiums vary depending on your age, the type of
coverage, the amount of coverage, your insurance history, and
other factors.
 Premiums can increase each time you renew an insurance policy.

13) What is difference between reinstate, rewrite and reissue?

The Cancel/Rewrite and Cancel/Reissue workflows are the same except

that Cancel/Rewrite generates a new policy number and lets you change
the policy dates. Cancel/Reissue maintains the same policy number and
policy dates.

Reinstate means if a person cancelled the policy again if he want same

policy with same data then we can use reinstatement

14) What is difference between Prorate and Short Rate?

Prorate and short rate cancellations are same but there is a small difference is
that reason is different

Pro rata cancellations are applied when the insurer cancels the policy.
This usually happens because of some material change in
circumstances and the insurer doesn’t feel comfortable staying on the
policy. On the other hand, short rate cancellations are applied when the
insured opts to cancel the policy mid-term.

15) What is difference between written premium and total premium?

16) What is TAC tool? What is frame work for TAC?

17) Duck creek application can be run in TAC only or at other automation tools
as well?

18) What is front end & back end in duck creek?

Insurance:

Commercial Auto ( Policy level coverage’s and risk level coverage’s)

Commercial auto insurance is liability and physical damage protection for

vehicles, such as cars, trucks and vans that are used for business.

Personal Auto (Policy level coverage’s and risk level coverage’s)

Commercial auto insurance is liability and physical damage protection for

vehicles, such as cars, bikes etc that are used for personal use.

Home owners-> coverage’s, forms. What is HO4 form?