VALID VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE TEST DUMPS & VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE VALID TEST MATERIALS

Valid Virginia-Life-Annuities-and-Health-Insurance Test Dumps & Virginia-Life-Annuities-and-Health-Insurance Valid Test Materials

Valid Virginia-Life-Annuities-and-Health-Insurance Test Dumps & Virginia-Life-Annuities-and-Health-Insurance Valid Test Materials

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q66-Q71):

NEW QUESTION # 66
The voluntary act of terminating an insurance contract is called:

  • A. Cancellation
  • B. Elimination
  • C. Finalization
  • D. Rejection

Answer: A

Explanation:
Cancellation, per Virginia Code § 38.2-3106 (life) and § 38.2-3508 (health), is the voluntary termination of a policy by the insured or insurer. Options A, B, and C aren't standard terms for this action in Virginia insurance law. The study guide defines cancellation as a deliberate act, distinct from lapse (nonpayment) or nonrenewal, making D the correct term.


NEW QUESTION # 67
On an application for individual health insurance, all of the following are typically included on the agent's report EXCEPT:

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

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 # 68
In a deferred annuity, which contract feature begins at a high level, often 5%-10%, and then diminishes until it disappears after a specified number of years?

  • A. The surrender charge
  • B. The expense charge
  • C. The front end sales load
  • D. The guaranteed interest rate

Answer: A

Explanation:
Virginia Code § 38.2-3100 et seq. governs deferred annuities, where a surrender charge (option A) is a penalty for early withdrawal, starting high (e.g., 7-10%) and declining over a surrender period (e.g., 7-10 years) until it reaches zero. Option B (front-end sales load) is a one-time fee deducted upfront, not diminishing over time. Option C (guaranteed interest rate) is a fixed return (e.g., 2%), stable or adjustable, not disappearing. Option D (expense charge) covers ongoing costs (e.g., mortality and expense fees), typically level, not phased out. The study guide likely illustrates this with a table-e.g., 10% year 1, 9% year 2, 0% year 10-emphasizing surrender charges as a liquidity deterrent, making A the matching feature.


NEW QUESTION # 69
False advertising regarding insurance policies would be found in all of the following EXCEPT:

  • A. Past dividends paid on a policy being exaggerated
  • B. Benefits under a policy being misrepresented
  • C. Policy benefits being compared with a competitor's
  • D. An insurance policy being represented as a share of stock

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* False advertising includes exaggerating dividends (A), misrepresenting benefits (B), or claiming a policy is a stock (C), all deceptive practices.
* Comparing benefits with a competitor (D) is permissible if accurate and not misleading, thus not inherently false advertising.
The Virginia study guide, per state law, prohibits deceptive advertising but allows factual comparisons with competitors, provided they are truthful. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Unfair Trade Practices."


NEW QUESTION # 70
Who normally bears the cost of excess charges in a Medicare claim?

  • A. The insured
  • B. The Social Security Administration
  • C. The service provider
  • D. The Centers for Medicare & Medicaid Services

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Excess charges in Medicare occur when a provider charges more than the Medicare-approved amount, and the insured (D) is responsible for the difference unless covered by supplemental insurance.
* The Social Security Administration (A) and CMS (B) administer Medicare, not pay claims.
* Providers (C) may charge excess but don't absorb it unless they accept assignment.
The Virginia study guide explains that Medicare beneficiaries bear excess charges unless a provider accepts Medicare assignment or a Medigap policy covers them. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Basics."


NEW QUESTION # 71
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