FREE PDF QUIZ HIGH PASS-RATE VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE - TRUSTED VIRGINIA LIFE, ANNUITIES, AND HEALTH INSURANCE EXAMINATION SERIES 11-01 EXAM RESOURCE

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Free PDF Quiz High Pass-Rate Virginia-Life-Annuities-and-Health-Insurance - Trusted Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Exam Resource

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q80-Q85):

NEW QUESTION # 80
On an application for individual health insurance, all of the following are typically included on the agent's report EXCEPT:

  • A. Applicant's signature
  • B. Agent's relationship to the applicant
  • C. Applicant's general character
  • D. Applicant's financial status

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* The agent's report includes the agent's observations, such as relationship to the applicant (A), financial status (B), and general character (C), to aid underwriting.
* The applicant's signature (D) is on the application itself, not the agent's separate report.
The Virginia study guide specifies that the agent's report supplements the application with the agent's insights, while the applicant signs the main application, not the report. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Application Process."


NEW QUESTION # 81
An individual purchased an annuity with a series of premium payments continuing over a period of twenty years. The purchase payments were made during the:

  • A. Period certain
  • B. Annuity period
  • C. Liquidation period
  • D. Accumulation period

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* The accumulation period (D) is the phase in a deferred annuity where premiums are paid to build value before payouts begin.
* The liquidation period (A) is not a standard term here; it might imply payout but isn't correct.
* The annuity period (B) is when payments are received, not paid.
* Period certain (C) refers to a payout option, not premium payment phase.
The Virginia study guide defines the accumulation period as the time during which premium payments are made into a deferred annuity, accumulating value until the payout phase. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Annuities."


NEW QUESTION # 82
An insured with a long-term care (LTC) policy knowingly and intentionally misrepresented relevant facts relating to the insured's health. How long does an insurer have to contest the coverage?

  • A. Any time during the duration of the policy
  • B. Any time up to six months
  • C. The insurer is prohibited from contesting the coverage
  • D. Any time up to two years

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* The incontestability provision in LTC policies typically limits the insurer's ability to contest coverage based on misrepresentations to two years (B) from issuance, unless fraud is proven (which may extend this in some states).
* Option A (six months) is too short. Option C (entire duration) applies only to fraud in some cases, not standard misrepresentations. Option D (prohibited) is incorrect due to the contestable period.
The Virginia study guide, aligned with NAIC standards, notes a two-year contestable period for health-related policies like LTC, after which misrepresentations cannot be challenged absent fraud. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Incontestability."


NEW QUESTION # 83
A coordination of benefits provision is included in group health insurance to reduce:

  • A. Overinsurance
  • B. Waiting periods
  • C. Probationary periods
  • D. Dependent coverage

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* The coordination of benefits (COB) provision prevents overinsurance (B) by ensuring that total payments from multiple group plans don't exceed 100% of covered expenses, avoiding duplication.
* It doesn't affect dependent coverage (A), probationary periods (C), or waiting periods (D), which are unrelated to claim payments.
The Virginia study guide describes COB as a mechanism to coordinate payments among multiple insurers, reducing overinsurance and ensuring fair claim distribution. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Group Health Insurance Provisions."


NEW QUESTION # 84
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. The deductible is waived
  • D. A 10% service fee is charged

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 # 85
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