Virginia Insurance - Professional Virginia-Life-Annuities-and-Health-Insurance - Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Valid Study Questions

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q62-Q67):

NEW QUESTION # 62
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, but on a rated basis
B. Eligible for the same type of coverage as other employees
C. Eligible for coverage more limited than that of other employees
D. Ineligible for coverage under the plan

Answer: B

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 # 63
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 broker
D. A viatical settlement provider

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 # 64
The voluntary act of terminating an insurance contract is called:

A. Elimination
B. Rejection
C. Cancellation
D. Finalization

Answer: C

Explanation:
Cancellation, per Virginia Code § 38.2-3106 (life) and § 38.2-3508 (health), is the voluntary termination of a policy by the insured or insurer. Options A, B, and C aren't standard terms for this action in Virginia insurance law. The study guide defines cancellation as a deliberate act, distinct from lapse (nonpayment) or nonrenewal, making D the correct term.

NEW QUESTION # 65
In long-term care insurance, ADLs normally include:

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

Answer: C

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 # 66
Which expenses are covered by Medicare Part D?

A. Prescription drug
B. Dental
C. Medical
D. Hospital

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Medicare Part D (C) specifically covers prescription drug costs for enrollees.
* Medical expenses (A) are under Part B, hospital costs (B) under Part A, and dental (D) is generally not covered by Medicare unless supplemental.
The Virginia study guide states that Medicare Part D, introduced in 2006, provides prescription drug coverage through private plans, distinct from Parts A and B. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare."

NEW QUESTION # 67
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Virginia Insurance - Professional Virginia-Life-Annuities-and-Health-Insurance - Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Valid Study Questions

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q62-Q67):

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