VIRGINIA INSURANCE VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE LATEST DUMPS EBOOK | VALID VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE TEST QUESTION

Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Latest Dumps Ebook | Valid Virginia-Life-Annuities-and-Health-Insurance Test Question

Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Latest Dumps Ebook | Valid Virginia-Life-Annuities-and-Health-Insurance Test Question

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

NEW QUESTION # 91
All of the following are types of insurance policy exchanges that can be made without current taxation EXCEPT:

  • A. An annuity exchanged for another annuity contract
  • B. A life insurance policy exchanged for another life policy
  • C. The exchange of a life insurance policy for an annuity
  • D. The exchange of an annuity for a life insurance policy

Answer: D

Explanation:
Under IRC § 1035, certain insurance exchanges avoid immediate taxation: option B (life to annuity), option C (annuity to annuity), and option D (life to life) qualify if like-kind and properly executed, deferring gains.
Option A (annuity to life) isn't permitted tax-free; annuities (income-focused) and life insurance (death- benefit-focused) aren't "like-kind," triggering taxable gain recognition. Virginia Code § 38.2-3100 et seq.
aligns with federal tax rules. The study guide likely explains § 1035 exchanges with examples-e.g., swapping a $50,000 life policy for an annuity tax-free (B)-noting A's taxable status due to product mismatch, making it the exception.


NEW QUESTION # 92
In long-term care insurance, ADLs normally include:

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

Answer: A

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 # 93
When may a person insured under a group term insurance policy exercise the conversion option?

  • A. Within 31 days after the person has terminated employment
  • B. Anytime after the group contract has existed for five years
  • C. Never, because group life insurance does not have a conversion privilege
  • D. Anytime while insurable and still a member of the insured group

Answer: A

Explanation:
Virginia Code § 38.2-3330 mandates a conversion privilege in group term life policies, allowing insureds to convert to an individual policy without evidence of insurability within 31 days after losing group eligibility (e.
g., employment termination). Option C matches this precisely. Option A is false; conversion is a legal requirement. Option B is incorrect; conversion applies post-eligibility, not during active membership while still insurable. Option D (five years) is arbitrary and unsupported by law. The study guide likely details this
31-day window with examples-e.g., an employee converting to whole life after layoffs-emphasizing its protective role, making C the correct timing.


NEW QUESTION # 94
The reinstatement provision in individual health insurance:

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

Answer: C

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 # 95
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 more limited than that of other employees
  • B. Ineligible for coverage under the plan
  • C. Eligible for the same type of coverage as other employees
  • D. Eligible for coverage, but on a rated basis

Answer: C

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 # 96
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