RELIABLE VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE TEST SYLLABUS & STUDY VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE REFERENCE

Reliable Virginia-Life-Annuities-and-Health-Insurance Test Syllabus & Study Virginia-Life-Annuities-and-Health-Insurance Reference

Reliable Virginia-Life-Annuities-and-Health-Insurance Test Syllabus & Study Virginia-Life-Annuities-and-Health-Insurance Reference

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q91-Q96):

NEW QUESTION # 91
All changes and corrections made to an application for health insurance by an agent must be initialed by the:

  • A. Insurance company underwriter
  • B. Applicant
  • C. Agent
  • D. Applicant's physician

Answer: B

Explanation:
Virginia Code § 38.2-3501 governs health insurance applications, requiring accuracy and applicant consent.
Changes or corrections by an agent (e.g., fixing a misspelled name) must be initialed by the applicant (option B) to verify agreement, as the application becomes part of the contract (Virginia Code § 38.2-3503). Option A (agent) initialing alone risks unauthorized alterations. Option C (physician) is irrelevant; medical input isn't standard for application edits. Option D (underwriter) assesses, not corrects, applications post-submission.
The study guide likely stresses this consumer protection rule, with examples-e.g., an agent correcting a birthdate, initialed by the applicant-ensuring transparency, making B the correct party.


NEW QUESTION # 92
All of the following statements about the interest ONLY settlement option in life insurance policies are true EXCEPT:

  • A. At some later date, the principal may be paid under one of the other options
  • B. The proceeds of the policy are left with the insurance company
  • C. The option can be selected only by the beneficiary
  • D. The interest on the principal amount is paid periodically to the beneficiary

Answer: C

Explanation:
Virginia Code § 38.2-3115 governs life insurance settlement options. The interest-only option keeps proceeds with the insurer (option A, true), paying interest periodically to the beneficiary (option C, true, e.g., quarterly), and allows the principal to be withdrawn or redirected later (option D, true, e.g., switching to fixed period).
Option B is false; the policyowner can select this option during the policy term, not just the beneficiary post- death-though beneficiaries may elect it if not pre-specified. The study guide likely explains this flexibility with examples-e.g., a $100,000 policy earning 3% interest paid monthly-noting both parties' roles, making B the exception since it restricts choice to the beneficiary alone.


NEW QUESTION # 93
All of the following are dividend options in life insurance policies EXCEPT:

  • A. Using the dividends to purchase additional paid-up life insurance
  • B. Accumulating the dividends with interest
  • C. Applying the dividends to reduce the premium due
  • D. Receiving the entire policy cash value

Answer: D

Explanation:
Virginia Code § 38.2-3207 allows participating life policies to offer dividend options: option A (reduce premium), option B (buy paid-up additions increasing coverage), and option C (accumulatewith interest) are standard, reflecting insurer profits shared with policyowners. Option D (receiving the entire cash value) isn't a dividend option; it's a surrender or nonforfeiture action, terminating the policy, not distributing profits. The study guide likely lists these options with examples-e.g., $100 dividend reducing a $500 premium (A)- contrasting them with cash value withdrawal, making D the exception.


NEW QUESTION # 94
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. Heart attack
  • B. Lung cancer
  • C. Accidental injury
  • D. Suicide

Answer: D

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 # 95
What is often payable to a life insurance policyowner when a medical condition drastically limits the insured' s life expectancy?

  • A. Reduced paid-up insurance
  • B. Death benefit
  • C. Extended term insurance
  • D. Accelerated death benefit

Answer: D

Explanation:
Virginia Code § 38.2-3117.1 permits life insurance policies to include an accelerated death benefit (ADB) provision, allowing the policyowner to receive a portion of the death benefit early if the insured is diagnosed with a terminal illness (typically less than 12-24 months life expectancy, per policy terms). Option B correctly identifies this benefit, often used for medical expenses or quality-of-life needs. Option A (death benefit) is paid only upon death, not during life, so it's incorrect here. Option C (reduced paid-up insurance) is a nonforfeiture option converting cash value to a smaller, paid-up policy, unrelated to terminal illness. Option D (extended term insurance) uses cash value to extend term coverage, also not tied to life expectancy triggers.
The study guide likely details ADB as a modern feature addressing critical health scenarios, distinguishing it from standard death benefits or nonforfeiture options, confirming B as the accurate choice.


NEW QUESTION # 96
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