Lack of headings, adversely affects professional marks?

Sir I wanted to understand from you how important are headers for each point that we make in our SBL exam? the examiner's report seems to emphasising highly on it. But I wanted to know if we get penalised and lose professional marks for lack of headings? I seem to be able to add headings where models are applicable but otherwise I feel like I'm wasting lot of time in just thinking about the right heading for each paragraph/point(worth 2 mark)