2025 LATEST EXAM VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE TOPICS HELP YOU PASS VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE EASILY

2025 Latest Exam Virginia-Life-Annuities-and-Health-Insurance Topics Help You Pass Virginia-Life-Annuities-and-Health-Insurance Easily

2025 Latest Exam Virginia-Life-Annuities-and-Health-Insurance Topics Help You Pass Virginia-Life-Annuities-and-Health-Insurance Easily

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q76-Q81):

NEW QUESTION # 76
If an employee in poor health is part of a large group that is acceptable for group life insurance, that employee is:

  • A. Eligible for coverage, but on a rated basis
  • B. Eligible for coverage more limited than that of other employees
  • C. Ineligible for coverage under the plan
  • D. Eligible for the same type of coverage as other employees

Answer: D

Explanation:
Group life insurance in Virginia, governed by Virginia Code § 38.2-3318 et seq., operates on a "group underwriting" basis, meaning coverage is issued to the group as a whole without individual health assessments. For large groups (typically over 10 employees, though Virginia defines "large" contextually), insurers accept the entire eligible group without requiring evidence of insurability, provided the group meets participation and eligibility standards (e.g., active employees). Option C reflects this: an employee in poor health, as part of an acceptable group, receives the same coverage as others, as health status doesn't affect eligibility or terms. Option A (ineligible) is false; group plans don't exclude based on individual health.
Option B (rated basis) applies to individual policies where substandard risks increase premiums, not group plans where risk is pooled. Option D (limited coverage) contradicts the uniformity of group coverage terms.
The study guide likely highlights this non-discriminatory feature of group life, ensuring equal benefits for all eligible members, making C the correct answer per Virginia's legal and practical framework.


NEW QUESTION # 77
An agreement attached to a health insurance policy which alters either the terms of the policy or the coverage is called:

  • A. A rider
  • B. A limit clause
  • C. An insuring clause
  • D. An attachment

Answer: A

Explanation:
Virginia Code § 38.2-3500 et seq. allows health insurance policies to include riders-supplemental agreements modifying coverage or terms (e.g., adding dental benefits or exclusions). Option D (rider) is the standard term. Option A (limit clause) isn't a distinct attachment; limits are within thepolicy. Option B (attachment) is vague and not insurance-specific. Option C (insuring clause) is the core promise of coverage, not an alteration. The study guide likely defines riders with examples-e.g., a maternity rider increasing premiums-distinguishing them from policy staples, confirming D as the answer.


NEW QUESTION # 78
Which one of the following statements about an adjustable life insurance policy is true?

  • A. An increase in face amount shortens the premium payment period when the policy provides whole life coverage
  • B. Simultaneous changes in face amount and in premium are within its capabilities
  • C. An increase in premium decreases future cash values
  • D. An increase in face amount lengthens the protection period when the policy provides term coverage

Answer: B

Explanation:
Adjustable life insurance, per Virginia Code § 38.2-3113.1, blends whole and term features, allowing policyowners to adjust face amount and premiums. Option B is true; simultaneous changes (e.g., increasing face amount and premium) are possible, adapting coverage and cash value. Option A is false; higher premiums typically increase cash value, not decrease it, unless misallocated. Option C is incorrect; increasing face amount doesn't inherently extend term duration-it adjusts cost or cash value. Option D is false; face amount increases don't shorten whole life premium periods, which are fixed or flexible based on design. The study guide likely highlights adjustability with examples-e.g., raising $100,000 to $150,000 with a premium hike-making B the true capability.


NEW QUESTION # 79
In addition to the applicant, who signs an application for health insurance?

  • A. The applicant's spouse
  • B. The agent
  • C. The inspection company representative
  • D. The applicant's dependents

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* The health insurance application is signed by the applicant (who provides personal info) and the agent (D), who certifies the information's accuracy and their role in the process.
* The spouse (A) or dependents (B) don't sign unless they're co-applicants. An inspection representative (C) is not involved in the application process.
The Virginia study guide specifies that the agent signs the application alongside the applicant to verify the submission and their involvement, per standard industry practice. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Application Process."


NEW QUESTION # 80
Under Virginia standards for marketing long-term care coverage, all of these are prohibited sales practices EXCEPT:

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

Answer: B

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 # 81
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