Answer: Concrete floors are hard to crack with a raw egg!

Question 2. Jamie looked at his reflection on the window mirror of the 45th floor. Driven by an irrational impulse, he made a leap through the window on the other side. Yet Jamie did not encounter even a single bruise. How can this be possible if he neither landed on a soft surface nor used a parachute?

Answer: Jamie is actually a window cleaner. He got tired after cleaning the windows on the 45th floor and so leaped inside the building.

Question 3. A murderer is condemned to death. He has to choose between three rooms. The first is full of raging fires, the second is full of assassins with loaded guns, and the third is full of lions that haven’t eaten in 3 years. Which room is safest for him?

Answer: The third room is the safest as the lions would be dead by now from eating anything in the past 3 days. First thought for many people would have been that these lions might have been hungrier than ever, but this answer would be wrong.

Question 4. Twins (Adarsh and Anupam) were born in May but their birthday is in June. How’s this possible?

Answer: May is the name of the town in Queensland, Australia.

Answer: The peahen lays eggs and not the peacock.

Question 6. What is such a thing that dies after drinking water?

Answer: Thirst. period.

Question 7. How can a man remain without sleep for 8 days?

Answer: Easy, the man should sleep at NIGHT.

Question 8. What if a red stone is thrown in blue waters?

Answer: The red stone will drown. The use of colors in the questions is only to distract your mind and confuse it further.

The accurate test questions that hurt religious sentiments and demeaned women and one writer are unacceptable, said civil-society members, demanding an end to such "anarchy" in the education system.

The questions were prepared for HSC and equivalent examinations.

In a joint statement, signed by 24 eminent citizens, they said a universal, secular and science-based education system has not been established even after 50 years of independence, rather a regressive system has been set up.

People are now talking about whether teachers have the skills to prepare creative questions. "Both teachers and students need to acquire creative skills," they observed.

Pointing to the accurate discussions on question papers, they said it is high time to think about the whole education system, not just the competency of those who prepare questions. "The demand of dropping Charles Darwin's evolution theory from the curriculum has also concerned us. This will hinder science study and free thinking. It will push the country backwards, towards communalism," reads the statement.

Among others, the signatories are Pankaj Bhattacharya, president of Oikya NAP; Advocate Sultana Kamal, former adviser to the caretaker government; Ramendu Majumdar, praesidium member of Sammilita Samajik Andolon; Rasheda K Choudhury, former adviser to the caretaker government; Prof Syed Anwar Husain of Dhaka University; and Dr Sarwar Ali, trustee of Liberation War Museum.

Life insurance helps you provide for loved ones after your death. With life insurance policies, your beneficiaries get a cash payment when you're gone, one they can then use toward funeral expenses, unpaid bills or other expenses.

Most insurance companies require a medical exam before they approve you for life insurance coverage. You may be uncomfortable with this, or want to avoid it. Enter no-exam life insurance.

Many kinds of people may find no-exam life insurance appealing. No-exam policies can be smart if you have a pre-existing health condition, terminal illness, are a smoker or have a risky job (like fire fighting or construction). 

Or, you may need life insurance as collateral for a loan or a sudden change in marital status like divorce. Seniors may bump up against age limits for some traditional kinds of policies and find no-medical test life insurance worthwhile. 

If you think you would benefit from a no-exam life insurance policy then reach out to an insurance pro now. They can help you get started with a free price quote so you know exactly what to expect. 

No medical test life insurance comes in both whole life and term life policy forms. Though there's no medical exam, each insurance type may ask for some health information on the application. Premiums are often more expensive than traditional life insurance policies that require medical exams. They can also provide significantly lower coverage. Guaranteed life policies, for instance, are often $25,000 in coverage or less.

Types of no-exam life insurance policies to know

The first step in getting no-medical test insurance is deciding what kind is right for you. Here are four main types

• Simplified issue: This insurance is often for people, including seniors, who are generally in good health but may have a few chronic health issues or medical conditions. The application typically includes a short health questionnaire.
• Guaranteed issue: These life insurance policies are aimed at older seniors or those who are in poor health. They don't require a medical test and ensure a comparatively small death benefit for your beneficiaries. A few medical questions may be required.
• Accelerated underwriting: Sometimes called "instant" life insurance, this type uses artificial intelligence to gather and analyze data in lieu of a physical exam. Insurers may seek information like prescription history, driving records or previous medical exams to determine risk and cost. You may also be asked to fill out a detailed questionnaire or do a phone interview. The method can cut approval time from days or weeks to hours.
• Group life insurance: If you're working, your employer may also offer group life insurance policies without requiring a medical exam, sometimes for free. The drawback? You likely lose coverage if you leave or lose your job.

If you think you would benefit from having a no-exam life insurance policy then reach out to a professional now or use the table below to start searching for providers.

Finding a provider for no-exam life insurance

Seek advice from an insurance agent, your financial adviser, or another expert before you apply in order to be certain that no-exam life insurance is the best option for you. 

From there: 

• Shop around for several quotes. Coverage and premiums can vary widely. 
• If you are a veteran, check the U.S. Veterans Administration for lower-cost providers.
• If you are working, check to see if your employer is offering group life insurance.
• Consider whether a whole life or term life type of policy is right for your circumstances.
• Seek out customer reviews and complaints to review.  

Filling out the application

Once you've decided on a no-exam life insurance provider, you'll need to fill out an application. Depending on the policy type, you can expect:

• Some basic questions, including those about your weight, date of birth, lifestyle habits such as smoking, drinking, recreational drug use, exercise and activities like extreme sports. 
• Details of your health history and medication use (except with most guaranteed life insurance applications, which can be pricey). 
• A request for financial information such as income and credit history.
• A request letter from your primary care doctor about your health.

Be honest with your answers. A life insurance company can deny coverage or payout if you aren't being truthful on your application, like if you lie about smoking. 

Follow the instructions to submit your application. Once you've submitted, it can take just hours for accelerated underwriting approval to weeks depending on the type of no-exam policy you're seeking.

Get started now and see what you can qualify for!

CAT 2022 answers to FAQs

The Common Admission Test (CAT) for admission to postgraduate management programmes is set to be held on November 27. Applicants due to appear for the CAT test must be preparing in full swing. The students will also be provided with CAT mock tests to acquaint them with the online mode of exam.

Obtaining life insurance can help you pass money on to your family or other beneficiaries after your death. But not all life insurance policies are the same. Not only can there be differences in factors like monthly premiums and policy limits, but there can also be varying requirements to qualify for a life insurance policy.

One route that some people take is obtaining a no-exam life insurance policy, meaning you don't have to visit a doctor to be eligible. If you don't want to make an extra trip to the doctor's office or you're concerned the test results could lead to even higher costs, then this may be a reasonable option. 

Here's a look at some of the top life insurance providers available. 

Before you make any final decisions, let's take a closer look at what no-exam life insurance policies are — and why you might consider going this route.

What is no-exam life insurance?

No-exam life insurance can include several different types of life insurance that do not require medical exams to initiate coverage. Here are two examples:

• Simplified issue life insurance: This type of insurance can be for either term life insurance or whole life insurance. As the name implies, these policies follow a simplified process. Rather than needing a medical exam, you can answer a few basic questions and get a decision online in just a few minutes.
• Guaranteed issue life insurance: This type of policy typically applies to permanent life policies. This is geared more toward those with health conditions and who may be older, so they can benefit those who want a ensure to qualify, rather than being rejected following a medical exam. However, these policies typically have a waiting period of a couple of years, meaning the benefits might not kick in for someone who dies shortly after applying.

How to get a no-exam life insurance policy

To get a no-exam life insurance policy, you can search online for simplified or guaranteed issue policies, which are relatively common. You can also dig into the offerings of different insurance companies, as even if an insurance provider uses different terminology, they might still allow for coverage without an exam.

To learn more about different types of life insurance policies and options, speak to an expert. Haven Life, a New York City-based life insurance agency, can walk you through the process. You just need to answer a few basic questions to get a free quote.

Don't assume that just because something isn't specifically called a "no-exam life insurance policy" you need an exam. Regardless of what the provider calls the policy, check the fine print to see if you need a medical test or not.

Some providers also offer options like being able to convert a term life insurance policy into a whole life insurance policy without needing a medical exam. That's not to say that you're always better off converting vs. taking out a new policy, but it could be worth considering.

How much does no-exam life insurance cost?

No-exam life insurance policies typically cost much more than ones with medical exams. That's because the insurer needs to account for the extra risk that can come from not knowing enough about your medical situation.

For example, with one major life insurance provider, a simplified issue life insurance policy for a 20-year/$500,000 term for a 40-year-old, non-smoker woman in good health in California costs nearly $50 per month. In contrast, the same type of policy for regular term life insurance with a medical test only has an estimated cost of $30 in monthly payments.

You can also compare prices and plans by scouring life insurance providers online and getting free quotes.

Is no-exam life insurance worth it?

There can be a cost to the convenience of no-exam life insurance policies. But it's also possible that the economics work out in your favor. It's possible that something would be discovered during a medical test that increases your risk to the insurer, thereby raising your rates or perhaps even making you ineligible altogether. No-exam life insurance policies can also benefit those who don't qualify for typical life insurance due to factors such as age or medical history. 

However, if you're in relatively good health, meet a prospective insurer's age requirements and are comfortable seeing a doctor, then this type of insurance may not be for you — as you may secure a lower price with the medical exam.

Bottom line

Overall, a no-exam life insurance policy can offer a path for some higher-risk individuals to obtain life insurance or it could be a good way to quickly obtain coverage. However, you might be able to find lower rates if you go through with a medical exam, so it could be worth exploring your options to see what best fits your budget and goals.

The bizarre and clearly communally inspired section in this year's HSC Bangla question paper is a dangerous occurrence that could easily have been overlooked had it not been doing the rounds on social media. The questions were based on a part of the Bangla paper's creative section. The prose goes like this: Two Hindu brothers Nepal and Gopal have a dispute over land and take the issue to court. In order to teach his older brother a lesson, Nepal sells a portion of the land to a Muslim who, during Eid-ul-Azha, sacrifices a cow in front of Nepal's house. And when Nepal sees this, he is so traumatised that he decides to leave the country and move to India with his family.

The storyline is incendiary, to say the least. It is bound to hurt the Hindu community's religious sentiments, which seems to be the aim. The subsequent questions placed in relation to the passage proves the point. They try to compare the actions of Nepal with Mir Zafar, the infamous military general who betrayed Nawab Siraj-ud-Daulah, joining hands with the British leading to his defeat and death of the nawab. Comparing a Hindu character gone astray with one of the most reviled Muslim characters in our history can only be described as motivated. This particular segment of the question paper has been used with the intention of fanning communal sentiments, portraying Bangladesh as a country where Hindus must leave their homeland because of bigotry. Why would such a controversial theme be part of a board exam? Why should such communal ideas be presented to college students? Most importantly how did this segment creep into the question paper when there are specific guidelines about making sure no question is formulated that disrespects religion? Why didn't the moderator -- the last person who has the authority to critique a question and even scrap it -- remove the offensive section and alert their colleagues?

The education board has identified five teachers involved in preparing and moderating the question and a probe has been started. This is encouraging, though it does not erase the fact that this is not a one-off incident of how our national education curriculum has been tampered with. Unfortunately, there have been other attempts to "de-secularise" the national curriculum. In 2017, as if to comply with the demands of Hefazat-e-Islam, a Qwami madrasa-based group, some poems and prose by non-Muslims were excluded from school textbooks. link https://www.thedailystar.net/opinion/the-big-picture/disturbing-deviations-childrens-books-1348375

Writings of famous poets and writers were scrapped because the authors were either non-Muslim or the content they wrote was considered to be somehow contradictory to Islamic thought. This includes Humayan Azad's poem "Boi" (class 5 textbook) that encourages students to read books and avoid texts that promote insularity and narrowmindedness. Gulam Mustafa's "Prarthhona" (Prayer) that pays tribute to the Creator, Jasimuddin's "Desh" (motherland), a philosophical songby Lalon Shah, Rangalal Bandhyapadhay's "Swadhinota", Sunil Gangopadhyay's "Shakota Dulchhe" about childhood and friendship, Rabindranath Tagore's poem "Bangladesher Hridoy" (Bangladesh's heart), a patriotic poem about the poet's motherland and Kazi Nazrul Islam's essay "Bangaleer Bangla"..

Funnily enough, it was virtually impossible to nail these deliberate attempts to communalise textbooks on anyone. According to a Prothom Alo report at the time, no one from the National Curriculum and Textbook Board (NCTB) or the National Coordination Committee (NCC) or the editors and writers of the textbooks seemed to know how these omissions took place. This took place despite the fact that according to the rules, changes cannot be made to textbooks without the knowledge of the NCC and the textbook editors.

As far as we know, these dropped texts that have been part of the school curriculum since independence and aligned with the secular values of Bangladesh's liberation movement and the constitution, have not been restored.

Eminent educationists and cultural activists have strongly objected to these illogical omissions, pointing out the dangerous effects it will have on young people who are the future leaders of this country. We are already facing serious challenges to our liberation spirit from religious extremists who sometimes resort to violence to prove their point. The horrific images of the attacks on Buddhist temples in Ramu, Hindu temples and houses in Narail, Nasirnagar, Cumilla, Noakhali and countless other places, are haunting reminders of how threatened our much-cherished communal harmony is.

But what is more frightening is the government's disturbing tolerance of bigotry and communal acts. Religious sentiments, however flimsily they can be interpreted, have taken precedence over freedom of speech and the right to practise one's own religion (other than the majority's faith) as guaranteed by our constitution. This is why we have the abhorrent sections of the Digital Security Act that allows law enforcers to arrest anyone who is deemed to have "hurt religious sentiments" whether it is because of a post from a fake Facebook account or a metaphysical expression in a Baul song. Now our children are in danger of catching the communal bug through textbooks that omit the works of great minds who have promoted inclusivity, diversity, and tolerance -- all the values necessary for an enlightened society and which are integral to any education system. The much talked about question in this year's HSC Bangla question paper indicates a stealthy attempt to show Bangladesh as a communal nation where there is no place for followers of the Hindu faith or any other faith other than Islam.

So, what does all this mean? Is Bangladesh's national education curriculum being infected with the disease of bigotry? If so, why is the Awami League government, the champion of our Liberation War which was very much a movement against racism and religious prejudice, allowing it?

We scored companies based on these measurements:

Price (50% of score): We averaged the no-exam life insurance rates for males and females in excellent health at ages 30, 40 and 50 for $500,000 and $1 million and a term length of 20 years.

Maximum face amount for lowest eligible age (10% of score): Companies with higher no-exam life insurance coverage amounts for the lowest age earned more points. Note that maximum no-exam coverage can sometimes become lower if you apply at a higher age.

Age eligible for best length/amount (10% of score): Companies offering no-exam life insurance to folks over age 50 earned extra points.

Accelerated death benefit available (10% of score): This important feature lets you access part of your own death benefit in the event you develop a terminal illness

Option to convert to a permanent life insurance policy (10% of score): This is a good option to have in place if you decide you want a longer policy, especially if your health has declined and you don’t want to shop for new life insurance.

Guaranteed renewals (5% of score): This option lets you extend the coverage after your initial level term period has expired, such as at the end of 10, 20 or 30 years.

Renewal rates can be significantly higher, but renewing can provide extended coverage to someone who may no longer qualify for a new life insurance policy because of health.

Median time from application to approval (5% of score): We gave more points to companies with lower no-exam life insurance approval times.

The timeline for approval could be within seconds or a month, depending on the company and possibly even your health.

Sources: Bestow, Ethos, Fabric, Haven Life, Jenny Life, Ladder, Policygenius and Forbes Advisor research.