VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE VALID EXAM PDF & NEW VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE TEST FEE

Virginia-Life-Annuities-and-Health-Insurance Valid Exam Pdf & New Virginia-Life-Annuities-and-Health-Insurance Test Fee

Virginia-Life-Annuities-and-Health-Insurance Valid Exam Pdf & New Virginia-Life-Annuities-and-Health-Insurance Test Fee

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q46-Q51):

NEW QUESTION # 46
If an insurer pays an individual health insurance claim during a policy's grace period:

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

Answer: D

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 # 47
A contractual arrangement that transfers exposure from one insurer to another insurer is a:

  • A. Reinsurance contract
  • B. Reciprocal contract
  • C. Coinsurance contract
  • D. Captive contract

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Reinsurance (C) is a process where one insurer (the ceding company) transfers part or all ofits risk to another insurer (the reinsurer) to reduce exposure.
* A reciprocal contract (A) involves mutual insurance exchanges, not risk transfer between insurers.
* Coinsurance (B) refers to shared risk between the insurer and policyholder, not between insurers.
* A captive contract (D) involves a company insuring itself through a subsidiary, not transferring risk to another insurer.
The Virginia study guide defines reinsurance as a contractual arrangement allowing insurers to mitigate risk by transferring it to another insurer, a common practice in the industry. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Insurance Company Operations."


NEW QUESTION # 48
Assuming no indebtedness or dividend accumulations, how much will the insurer pay under a life insurance policy if the insured dies during the grace period without having paid the premium?

  • A. The face amount of the policy less the premium due
  • B. The face amount of the policy
  • C. The cash value of the policy
  • D. The reduced amount of paid-up insurance provided under the nonforfeiture provisions

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* The grace period in a life insurance policy (typically 30 or 31 days) allows the policy to remain in force even if the premium is unpaid, provided the insured dies during this period.
* If death occurs during the grace period, the insurer must pay the full death benefit (face amount), minus any unpaid premium, but only if explicitly stated. In this question, no indebtedness or dividends complicate the scenario, and standard practice assumes full payment unless otherwise specified.
* Option B (cash value) applies to surrender, not death claims.
* Option C (face amount less premium due) is a possibility in some policies, but absent specific policy language here, the default is full payment.
* Option D (nonforfeiture provisions) applies if the policy lapses, not during the grace period.
* Thus, the insurer pays the face amount (A).
The Virginia study guide states that the grace period provision protects the policyholder by keeping coverage active for a short period after a missed premium, and upon death during this time, the full face amount is payable unless loans or specific deductions apply. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Standard Policy Provisions - Grace Period."


NEW QUESTION # 49
Under Virginia standards for marketing long-term care coverage, all of these are prohibited sales practices EXCEPT:

  • A. High pressure tactics
  • B. Replacing existing coverage
  • C. Twisting
  • D. Cold lead advertising

Answer: D

Explanation:
Virginia Code § 38.2-5207 and 14VAC5-200-185 outline marketing standards for long-term care (LTC) insurance to protect consumers. Option A (twisting)-misrepresenting a policy to induce replacement-is prohibited as an unfair practice (Virginia Code § 38.2-502). Option C (high pressure tactics)-aggressive sales forcing quick decisions-violates ethical standards and is banned (14VAC5-200-40). Option B (replacing existing coverage) is incorrect as stated; replacement itself isn't prohibited but requires disclosure via a replacement notice (14VAC5-200-75), making it regulated, not banned outright-however, the question implies unauthorized or deceptive replacement, which is prohibited. Option D (cold lead advertising)- soliciting via broad, unsolicited leads (e.g., mailers)-is permitted if it complies with disclosure rules and isn' t deceptive (14VAC5-200-50). The study guide likely lists twisting and high pressure as unethical, with examples like misstating benefits, while allowing cold lead ads with proper labeling (e.g., "advertisement"), making D the exception.


NEW QUESTION # 50
To be complete, an application for health insurance must contain all of the following EXCEPT:

  • A. Applicant's name and address
  • B. Date of application
  • C. Applicant's signature
  • D. Initial premium

Answer: D

Explanation:
Virginia Code § 38.2-3501 requires health insurance applications to include essential details for underwriting and contract formation: the applicant's name and address (option A), signature (option B) to affirm accuracy, and date (option C) to establish timing. These are mandatory for a complete application. Option D (initial premium) is not required on the application itself; while payment may accompany it to bind coverage (e.g., via a conditional receipt), it's a separate transaction, not an application component. The study guide likely lists these elements in a sample application, noting that premium submission is optional until acceptance, making D the exception.


NEW QUESTION # 51
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