PASS-SURE VIRGINIA INSURANCE VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE SAMPLE QUESTIONS ANSWERS OFFER YOU ACCURATE TESTING CENTER | VIRGINIA LIFE, ANNUITIES, AND HEALTH INSURANCE EXAMINATION SERIES 11-01

Pass-Sure Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Sample Questions Answers offer you accurate Testing Center | Virginia Life, Annuities, and Health Insurance Examination Series 11-01

Pass-Sure Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Sample Questions Answers offer you accurate Testing Center | Virginia Life, Annuities, and Health Insurance Examination Series 11-01

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q12-Q17):

NEW QUESTION # 12
The benefit supplement attached to a life insurance policy which insures all members of a family is called a:

  • A. Children's term rider
  • B. Survivorship term rider
  • C. Spouse term rider
  • D. Family term rider

Answer: D

Explanation:
Virginia Code § 38.2-3109 allows life insurance riders to extend coverage. A family term rider (option C) attaches to a primary policy (e.g., the breadwinner's) and provides term insurance for all family members- spouse and children-under one supplement, often with a single premium. Option A (spouse term rider) covers only the spouse, not children. Option B (children's term rider) insures only children, excluding the spouse. Option D (survivorship term rider) isn't a standard term; "survivorship" typically refers to joint life policies paying at the second death, not family coverage. The study guide likely describes the family term rider as a cost-effective way to insure dependents, with examples showing level term benefits for each member, making C the accurate answer.


NEW QUESTION # 13
The reinstatement provision in individual health insurance:

  • A. Allows the insured to reinstate the policy after coverage lapses for nonpayment of premium
  • B. Reinstates the amount of insurance after payment of a loss
  • C. Requires that all reinstatement applications must be approved by the Bureau of Insurance
  • D. Allows the insured to change statements made in the application

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* The reinstatement provision in health insurance allows a policy that lapsed due to nonpayment of premiums to be restored (B), typically within a set period (e.g., 3 years), if the insured pays back premiums and meets conditions like proving insurability.
* Option A (reinstates amount after loss) relates to property insurance, not health.
* Option C (change application statements) is unrelated to reinstatement.
* Option D (Bureau approval) is false; reinstatement is handled by the insurer, not a regulatory body.
The Virginia study guide explains that the reinstatement provision protects policyholders by allowing revival of a lapsed health policy upon payment of overdue premiums and, if required, evidence of insurability.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Policy Provisions."


NEW QUESTION # 14
All of the following are dividend options in life insurance policies EXCEPT:

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

Answer: A

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 # 15
What are long-term care insurance "ADL's"?

  • A. Approved doctor lists
  • B. Aggregate days limitation
  • C. Activities of daily living
  • D. Aggregate dollar limits

Answer: C

Explanation:
Virginia Code § 38.2-5200 defines ADLs (Activities of Daily Living, option C) as essential tasks-e.g., bathing, dressing, eating-used to determine LTC benefit eligibility (typically inability to perform 2 of 6).
Option A (aggregate dollar limits) refers to coverage caps, not ADLs. Option B(aggregate days limitation) might confuse with elimination periods, not ADLs. Option D (approved doctor lists) relates to provider networks, not functional criteria. The study guide likely details ADLs with examples-e.g., needing help with mobility-emphasizing their role in claims, making C the correct term.


NEW QUESTION # 16
In individual health insurance, a proof of loss typically should be submitted to the insurer within:

  • A. 60 days from the date of loss
  • B. 90 days from the date of loss
  • C. 120 days from the date of loss
  • D. 30 days from the date of loss

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* The proof of loss is a formal statement of a claim, and standard health insurance policies require it within 90 days of the loss (C), unless the policy specifies otherwise or state law extends it.
* Options A (30 days) and B (60 days) are too short for most policies, while D (120 days) exceeds the typical requirement.
The Virginia study guide aligns with the NAIC model laws, stating that proof of loss must typically be filed within 90 days of the loss, though insurers may accept later submissions if not prejudicial. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health InsuranceClaims Provisions."


NEW QUESTION # 17
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