QUIZ HIGH-QUALITY VIRGINIA INSURANCE - VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE NEW DUMPS PPT

Quiz High-quality Virginia Insurance - Virginia-Life-Annuities-and-Health-Insurance New Dumps Ppt

Quiz High-quality Virginia Insurance - Virginia-Life-Annuities-and-Health-Insurance New Dumps Ppt

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Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Exam Questions for Authentic Preparation

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q33-Q38):

NEW QUESTION # 33
Claims settlement practices of insurers are regulated by:

  • A. The National Association of Insurance Commissioners
  • B. State insurance departments
  • C. The Internal Revenue Service
  • D. Claims adjusters

Answer: B

Explanation:
Virginia Code § 38.2-510 regulates unfair claim settlement practices, enforced by the State Corporation Commission's Bureau of Insurance-a state insurance department (option D). This includes timely claim processing and fair payment, with penalties for violations. Option A (IRS) oversees tax compliance, not insurance claims. Option B (NAIC) develops model laws and guidelines (e.g., Unfair Claims Settlement Practices Act), but lacks enforcement power; states adopt and regulate these standards. Option C (claims adjusters) are practitioners, not regulators. The study guide likely emphasizes Virginia's Bureau as the authority, citing examples like investigating delayed claims, aligning with state-level oversight under § 38.2-
200 et seq., making D the correct regulator.


NEW QUESTION # 34
Which of these is true of a conditionally renewable individual health contract?

  • A. The insurer may change the conditions of renewability at any time
  • B. Premiums are guaranteed as long as renewal conditions are met
  • C. A covered individual's health status may be a condition for renewal
  • D. The insurer may refuse renewal if they move outside of the stated geographical location

Answer: C

Explanation:
Virginia Code § 38.2-3508 allows conditionally renewable health policies, where renewal isn't guaranteed and depends on insurer-specified conditions. Option A is true; health status (e.g., new chronic illness) can be a renewal condition, unlike guaranteed renewable policies. Option B is false; premiums can increase based on risk, not guaranteed. Option C is incorrect; geographic moves typically don't void renewability unless specified, but health status is more common. Option D is wrong; conditions are set at issuance, not altered arbitrarily. The study guide likely contrasts this with guaranteed renewable policies, using examples like non- renewal for worsening health, makingA the true statement.


NEW QUESTION # 35
In long-term care insurance, ADLs normally include:

  • A. Physicians, surgeons, dentists, and optometrists
  • B. Dressing, eating, bathing, and mobility
  • C. Age, sex, income, and occupation
  • D. Spouse, children, parents, and siblings

Answer: B

Explanation:
Virginia Code § 38.2-5200 defines Activities of Daily Living (ADLs) in long-term care (LTC) insurance as basic self-care tasks triggering benefits if the insured can't perform them (typically 2 of 6). Option D lists common ADLs: dressing, eating, bathing, and mobility (often with toileting and transferring), aligning with federal and Virginia standards (e.g., HIPAA). Option A (age, sex, income, occupation) is underwriting data, not ADLs. Option B (health providers) is unrelated to functional ability. Option C (family members) might confuse beneficiaries, not ADLs. The study guide likely lists ADLs with examples-e.g., needing help bathing due to arthritis-emphasizing their role in LTC eligibility, making D the precise answer.


NEW QUESTION # 36
When the business of insurance is no longer conducted under an assumed name, an agent must notify:

  • A. The National Association of Insurance Commissioners
  • B. The Surety Organization of Virginia
  • C. The Chamber of Commerce
  • D. The Bureau of Insurance

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* Agents must notify the Virginia Bureau of Insurance (A) of changes like discontinuing an assumed name, as it regulates licensing and business conduct.
* The NAIC (B), Chamber (C), and Surety Organization (D) have no direct authority over this requirement.
The Virginia study guide mandates that agents report significant business changes, including assumed name cessation, to the Bureau of Insurance per state law. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Agent Responsibilities."


NEW QUESTION # 37
After an insured's death, the insurer learned that the age on the application for a whole life insurance policy was understated by five years. The rate per $1,000 for the applicant's actual age was $18, and the rate for the understated age was $15. How much will the insurer pay?

  • A. 15/18 of the policy face amount
  • B. The policy face amount
  • C. 95% of the policy face amount
  • D. Nothing at all

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* When age is misstated, the insurer adjusts the death benefit based on the premium paid versus what should have been paid.
* Premium paid: $15 per $1,000 (understated age). Correct premium: $18 per $1,000 (actual age).
* Ratio: $15/$18 = 5/6 of the intended coverage. Thus, the benefit is 15/18 of the face amount (A).
* Option B (95%) is arbitrary. Option C (full amount) ignores the misstatement. Option D (nothing) applies only in fraud cases beyond the incontestability period, not specified here.
The Virginia study guide states that under the misstatement of age provision, the benefit is adjusted proportionally to the premium paid versus the correct premium, not denied entirely. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Life Insurance Policy Provisions."


NEW QUESTION # 38
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