PASS GUARANTEED QUIZ VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE - VIRGINIA LIFE, ANNUITIES, AND HEALTH INSURANCE EXAMINATION SERIES 11-01 PASS-SURE EXAM QUESTIONS VCE

Pass Guaranteed Quiz Virginia-Life-Annuities-and-Health-Insurance - Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Pass-Sure Exam Questions Vce

Pass Guaranteed Quiz Virginia-Life-Annuities-and-Health-Insurance - Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Pass-Sure Exam Questions Vce

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q147-Q152):

NEW QUESTION # 147
A typical disability income insurance policy EXCLUDES benefits for which one of the following causes of loss?

  • A. Intentional self-inflicted injuries
  • B. Sporting accidents
  • C. Falls
  • D. Permanent injuries

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Disability income policies exclude benefits for intentional self-inflicted injuries (B) to prevent abuse or fraud.
* Permanent injuries (A), sporting accidents (C), and falls (D) are typically covered unless specifically excluded by the policy.
The Virginia study guide states that disability income insurance excludes self-inflicted injuries as a standard provision to ensure coverage applies to unforeseen events. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Disability Income Insurance."


NEW QUESTION # 148
Renewal of small employer health insurance plans may be denied for all of the following reasons EXCEPT:

  • A. Overuse of physician and hospital services
  • B. Having less than the required number of participants
  • C. Nonpayment of premiums
  • D. Fraud by the employer

Answer: A

Explanation:
Virginia Code § 38.2-3432.1, aligned with the Affordable Care Act (ACA), mandates guaranteed renewability for small employer health plans (1-50 employees in Virginia). Insurers can deny renewal for nonpayment of premiums (option A), insufficient participants (option B, e.g., falling below one eligible employee), or fraud (option D), per Virginia Code § 38.2-3407. However, option C-overuse of services (high claims)-a-is not a permissible reason for denial, as renewability cannot be based on claims experience or health status. The study guide emphasizes this protection under Virginia's small group market rules, making C the exception.


NEW QUESTION # 149
If an insurer pays an individual health insurance claim during a policy's grace period:

  • A. The amount of unpaid premium may be subtracted from the reimbursement
  • B. The policy is canceled automatically at the end of the grace period
  • C. A 10% service fee is charged
  • D. The deductible is waived

Answer: A

Explanation:
Virginia Code § 38.2-3508 provides a 31-day grace period for individual health insurance premium payments, during which coverage remains active and claims are paid. If a claim arises, the insurer may deduct any unpaid premium from the reimbursement (option D), ensuring it recovers owed funds while honoring the claim. Option). Option A (deductible waived) is false; deductibles apply regardless of payment status. Option B (10% fee) is unsupported by Virginia law. Option C (automatic cancellation) is incorrect; cancellation requires notice post-grace period if unpaid (Virginia Code § 38.2-3510). The study guide likely explains this with examples-e.g., a $500 claim with a $100 unpaid premium nets $400-reflecting standard practice, making D the correct outcome.


NEW QUESTION # 150
All of the following are underwriting criteria for individual life insurance EXCEPT:

  • A. Occupation
  • B. Religion
  • C. Gender
  • D. Ability to pay premiums

Answer: B

Explanation:
Virginia Code § 38.2-3107 governs life insurance underwriting, where insurers assess risk using factors like gender (option A, affecting mortality rates), occupation (option C, e.g., hazardous jobs increase risk), and ability to pay premiums (option D, ensuring policy sustainability). Option B (religion) is not a permissible criterion; Virginia Code § 38.2-211 prohibits unfair discrimination in insurance based on religion, race, or other protected traits, reflecting federal and state anti-discrimination laws. The study guide likely explains underwriting with examples-e.g., higher premiums for a male firefighter-but flags religion as an illegal factor, with case studies of compliance, making B the exception.


NEW QUESTION # 151
Which of the following is an advantage of term life insurance?

  • A. It provides insurance protection on a permanent basis
  • B. The cost is about the same as whole life insurance
  • C. The initial premium is lower than for an equivalent amount of whole life insurance
  • D. It will be cost-effective in the long term if it is maintained to age 65 and beyond

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Term life insurance's primary advantage is its lower initial premium (D) compared to whole life for the same death benefit, due to its temporary nature and lack of cash value.
* Option A (same cost) is false; term is cheaper. Option B (cost-effective long-term) is incorrect; premiums rise with renewals. Option C (permanent) applies to whole life, not term.
The Virginia study guide highlights that term life insurance offers affordable initial premiums for temporary coverage, making it attractive for short-term needs compared to whole life. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Types of Life Insurance."


NEW QUESTION # 152
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