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100% Pass-Rate Virginia-Life-Annuities-and-Health-Insurance Exam Tutorial - Find Shortcut to Pass Virginia-Life-Annuities-and-Health-Insurance Exam

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q31-Q36):

NEW QUESTION # 31
A function performed by both the life insurance agent and the home office underwriter is:

A. Evaluating risks
B. Reviewing a client's coverage periodically
C. Collecting premiums
D. Finding new clients

Answer: A

Explanation:
Virginia Code § 38.2-1800 et seq. outlines roles in life insurance. Agents and underwriters bothevaluate risks (option B): agents assess initial client risk (e.g., health questions) for application accuracy, while underwriters analyze it for approval (e.g., medical records). Option A (finding clients) is agent-only; underwriters don't prospect. Option C (collecting premiums) is primarily the agent's task, not underwriting's. Option D (reviewing coverage) is a post-sale service, not a core underwriting function. The study guide likely contrasts roles but notes this shared risk focus-e.g., an agent flags smoking, underwriter rates it-making B the common duty.

NEW QUESTION # 32
The preventive medical care benefit sometimes provided in a Medicare supplement policy covers:

A. Annual physical exams
B. Hospitalization
C. Skilled nursing care
D. Home health care

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Medicare supplement (Medigap) policies may include preventive care benefits like annual physical exams (D), which original Medicare doesn't fully cover.
* Home health (A), skilled nursing (B), and hospitalization (C) are covered by Medicare Parts A and B, not typically supplemental preventive benefits.
The Virginia study guide notes that some Medigap plans offer additional preventive services, such as annual exams, beyond Medicare's scope. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Supplement Insurance."

NEW QUESTION # 33
The owner of a life insurance policy who enters into a viatical settlement contract is called:

A. A viator
B. A viatee
C. A viatical settlement provider
D. A viatical settlement broker

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* A viatical settlement involves a terminally ill policyowner selling their life insurance policy for a lump sum. The policyowner in this transaction is called the viator (C).
* The viatical settlement provider (A) is the entity purchasing the policy.
* The viatical settlement broker (B) facilitates the transaction.
* "Viatee" (D) is not a recognized term in this context.
The Virginia study guide defines the viator as the insured policyowner who sells their policy in a viatical settlement, typically due to a terminal illness. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Viatical Settlements."

NEW QUESTION # 34
A group health insurance contract is between the:

A. Employer and insurance company
B. Employee and insurance company
C. Employer and employees
D. Employer, employees, and insurance company

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* A group health insurance contract is a legal agreement between the employer (policyholder) and the insurance company (C), with employees as covered participants, not direct parties to the contract.
* Option A (employer and employees) is the employment relationship, not the insurance contract. Option B (employee and insurer) applies to individual policies. Option D (all three) overcomplicates the contractual relationship.
The Virginia study guide states that group insurance contracts are issued to the employer or group sponsor, who contracts with the insurer, while employees receive certificates of coverage. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Group Insurance."

NEW QUESTION # 35
Unless an insured has made fraudulent statements on the application for individual health coverage, subsequent claims may not be denied under the provision for:

A. Time limit on certain defenses
B. Grace period
C. Time payment of claims
D. Legal actions

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* The "time limit on certain defenses" provision (B), often tied to incontestability, limits the insurer's ability to deny claims based on application errors after a period (e.g., 2 years), unless fraud is proven.
* Legal actions (A) governs lawsuits, grace period (C) covers premium delays, and time payment of claims (D) sets claim payment deadlines-none relate to application defenses.
The Virginia study guide explains that the time limit on certain defenses provision protects insureds by restricting post-issuance claim denials after a contestable period, absent fraud. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Policy Provisions."

NEW QUESTION # 36
......

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