VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE REAL SHEETS - TEST VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE PREPARATION

Virginia-Life-Annuities-and-Health-Insurance Real Sheets - Test Virginia-Life-Annuities-and-Health-Insurance Preparation

Virginia-Life-Annuities-and-Health-Insurance Real Sheets - Test Virginia-Life-Annuities-and-Health-Insurance Preparation

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q107-Q112):

NEW QUESTION # 107
On an application for individual health insurance, all of the following are typically included on the agent's report EXCEPT:

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

Answer: C

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 # 108
The owner of a life insurance policy who enters into a viatical settlement contract is called:

  • A. A viatee
  • B. A viatical settlement provider
  • C. A viator
  • D. A viatical settlement broker

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* A viatical settlement involves a terminally ill policyowner selling their life insurance policy for a lump sum. The policyowner in this transaction is called the viator (C).
* The viatical settlement provider (A) is the entity purchasing the policy.
* The viatical settlement broker (B) facilitates the transaction.
* "Viatee" (D) is not a recognized term in this context.
The Virginia study guide defines the viator as the insured policyowner who sells their policy in a viatical settlement, typically due to a terminal illness. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Viatical Settlements."


NEW QUESTION # 109
An agent or insurer who unknowingly violates insurance laws may be charged a maximum penalty of:

  • A. $750 per occurrence, with a cap of $10,000
  • B. $1,000 per occurrence, with a cap of $10,000
  • C. $1,500 per occurrence, with a cap of $10,000
  • D. $500 per occurrence, with a cap of $10,000

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* For unintentional violations in Virginia, the maximum penalty is $1,000 per occurrence, with an aggregate cap of $10,000 (C), per state insurance regulations.
* Options A, B, and D deviate from this standard penalty structure.
The Virginia study guide, per Virginia Code, sets unintentional violation penalties at up to $1,000 per act, with a $10,000 total cap, escalating for willful violations. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Penalties and Enforcement."


NEW QUESTION # 110
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. Fraud by the employer
  • C. Having less than the required number of participants
  • D. Nonpayment of premiums

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 # 111
An insured died six months after a life insurance policy was issued. The full death benefit will NOT be paid if the cause of death was:

  • A. Suicide
  • B. Lung cancer
  • C. Accidental injury
  • D. Heart attack

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Life insurance policies typically include a two-year suicide clause; if the insured dies by suicide within this period (e.g., six months), the insurer pays only a refund of premiums, not the full death benefit (C).
* Options A (accidental injury), B (lung cancer), and D (heart attack) are covered causes, barring misrepresentation or exclusions, within the first two years.
The Virginia study guide notes that the suicide provision limits payment to premiums paid if suicide occurs within two years of issuance, protecting insurers from early intentional loss. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Life Insurance Policy Provisions."


NEW QUESTION # 112
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