Virginia-Life-Annuities-and-Health-Insurance Valid Exam Papers, Latest Virginia-Life-Annuities-and-Health-Insurance Dumps Questions

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q130-Q135):

NEW QUESTION # 130
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. Accidental injury
B. Suicide
C. Heart attack
D. Lung cancer

Answer: B

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 # 131
Including a guaranteed insurability rider on a life insurance policy means that:

A. Any extra premium charged for a health impairment will be discontinued if standard insurability is proved later.
B. The policyowner may purchase additional life insurance periodically without proving insurability.
C. The company will require evidence of insurability for any future purchase of life insurance.
D. The original policy was sold on a non-medical basis.

Answer: B

Explanation:
Virginia Code § 38.2-3209 allows a guaranteed insurability rider, enabling the policyowner to buy additional coverage at specified intervals (e.g., every 3 years or life events like marriage) without proving insurability.
Option D matches this definition. Option A is unrelated; non-medical underwriting isn't implied. Option B contradicts the rider's purpose, which waives insurability proof. Option C is false; premium adjustments aren' t part of this rider. The study guide describes this rider as a planning tool for future needs, confirming D.

NEW QUESTION # 132
Assuming no indebtedness or dividend accumulations, how much will the insurer pay under a life insurance policy if the insured dies during the grace period without having paid the premium?

A. The face amount of the policy
B. The reduced amount of paid-up insurance provided under the nonforfeiture provisions
C. The face amount of the policy less the premium due
D. The cash value of the policy

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* The grace period in a life insurance policy (typically 30 or 31 days) allows the policy to remain in force even if the premium is unpaid, provided the insured dies during this period.
* If death occurs during the grace period, the insurer must pay the full death benefit (face amount), minus any unpaid premium, but only if explicitly stated. In this question, no indebtedness or dividends complicate the scenario, and standard practice assumes full payment unless otherwise specified.
* Option B (cash value) applies to surrender, not death claims.
* Option C (face amount less premium due) is a possibility in some policies, but absent specific policy language here, the default is full payment.
* Option D (nonforfeiture provisions) applies if the policy lapses, not during the grace period.
* Thus, the insurer pays the face amount (A).
The Virginia study guide states that the grace period provision protects the policyholder by keeping coverage active for a short period after a missed premium, and upon death during this time, the full face amount is payable unless loans or specific deductions apply. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Standard Policy Provisions - Grace Period."

NEW QUESTION # 133
What is the primary role of medical expense and disability insurance?

A. Payment for rehabilitation costs following a life-threatening injury
B. Payment of death benefits
C. Protection against the costs of medical care and the loss of earning power
D. Provision for dismemberment benefits

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Medical expense insurance covers healthcare costs, while disability insurance replaces lost income, together protecting against medical costs and earning power loss (B).
* Death benefits (A) are for life insurance. Dismemberment (C) is specific to AD&D. Rehabilitation (D) may be included but isn't primary.
The Virginia study guide defines the core purpose of medical expense and disability insurance as mitigating financial loss from healthcare and income interruption. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Basics."

NEW QUESTION # 134
Renewal of small employer health insurance plans may be denied for all of the following reasons EXCEPT:

A. Having less than the required number of participants
B. Overuse of physician and hospital services
C. Fraud by the employer
D. Nonpayment of premiums

Answer: B

Explanation:
Virginia Code § 38.2-3432.1, aligned with the Affordable Care Act (ACA), mandates guaranteed renewability for small employer health plans (1-50 employees in Virginia). Insurers can deny renewal for nonpayment of premiums (option A), insufficient participants (option B, e.g., falling below one eligible employee), or fraud (option D), per Virginia Code § 38.2-3407. However, option C-overuse of services (high claims)-a-is not a permissible reason for denial, as renewability cannot be based on claims experience or health status. The study guide emphasizes this protection under Virginia's small group market rules, making C the exception.

NEW QUESTION # 135
......

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Virginia-Life-Annuities-and-Health-Insurance Valid Exam Papers, Latest Virginia-Life-Annuities-and-Health-Insurance Dumps Questions

Latest Virginia-Life-Annuities-and-Health-Insurance Dumps Questions & Virginia-Life-Annuities-and-Health-Insurance Valid Exam Preparation

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q130-Q135):

HOT Virginia-Life-Annuities-and-Health-Insurance Valid Exam Papers - High Pass-Rate Virginia Insurance Latest Virginia-Life-Annuities-and-Health-Insurance Dumps Questions: Virginia Life, Annuities, and Health Insurance Examination Series 11-01

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