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New Virginia-Life-Annuities-and-Health-Insurance Test Papers & Online Virginia-Life-Annuities-and-Health-Insurance Test

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q39-Q44):

NEW QUESTION # 39
What is often payable to a life insurance policyowner when a medical condition drastically limits the insured' s life expectancy?

A. Extended term insurance
B. Accelerated death benefit
C. Reduced paid-up insurance
D. Death benefit

Answer: B

Explanation:
Virginia Code § 38.2-3117.1 permits life insurance policies to include an accelerated death benefit (ADB) provision, allowing the policyowner to receive a portion of the death benefit early if the insured is diagnosed with a terminal illness (typically less than 12-24 months life expectancy, per policy terms). Option B correctly identifies this benefit, often used for medical expenses or quality-of-life needs. Option A (death benefit) is paid only upon death, not during life, so it's incorrect here. Option C (reduced paid-up insurance) is a nonforfeiture option converting cash value to a smaller, paid-up policy, unrelated to terminal illness. Option D (extended term insurance) uses cash value to extend term coverage, also not tied to life expectancy triggers.
The study guide likely details ADB as a modern feature addressing critical health scenarios, distinguishing it from standard death benefits or nonforfeiture options, confirming B as the accurate choice.

NEW QUESTION # 40
Disability income insurance policies usually provide coverage for loss of income resulting from:

A. Injuries incurred while in military service
B. Accidental injuries
C. Self-inflicted injuries
D. Disability resulting from war

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Disability income insurance covers loss of income from accidental injuries (D), provided they aren't excluded.
* Self-inflicted injuries (A), military service injuries (B), and war-related disabilities (C) are standard exclusions in most policies.
The Virginia study guide specifies that disability income insurance pays for accidental or illness-related income loss, excluding self-inflicted, military, or war-related causes. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Disability Income Insurance."

NEW QUESTION # 41
If an agent unknowingly violates insurance laws, what is the maximum aggregate penalty for similar violations occurring?

A. $7,500
B. $15,000
C. $5,000
D. $10,000

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* In Virginia, unintentional violations by an agent can result in fines, with a maximum aggregate penalty of $10,000 (C) for similar violations, as set by state insurance regulations.
* Options A, B, and D deviate from this standard cap for unintentional acts.
The Virginia study guide, aligned with Virginia Code, specifies a $10,000 maximum aggregate penalty for unintentional violations, with higher penalties possible for willful acts. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Penalties and Enforcement."

NEW QUESTION # 42
A group health insurance contract is between the:

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

Answer: C

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 # 43
In a deferred annuity, which contract feature begins at a high level, often 5%-10%, and then diminishes until it disappears after a specified number of years?

A. The expense charge
B. The guaranteed interest rate
C. The surrender charge
D. The front end sales load

Answer: C

Explanation:
Virginia Code § 38.2-3100 et seq. governs deferred annuities, where a surrender charge (option A) is a penalty for early withdrawal, starting high (e.g., 7-10%) and declining over a surrender period (e.g., 7-10 years) until it reaches zero. Option B (front-end sales load) is a one-time fee deducted upfront, not diminishing over time. Option C (guaranteed interest rate) is a fixed return (e.g., 2%), stable or adjustable, not disappearing. Option D (expense charge) covers ongoing costs (e.g., mortality and expense fees), typically level, not phased out. The study guide likely illustrates this with a table-e.g., 10% year 1, 9% year 2, 0% year 10-emphasizing surrender charges as a liquidity deterrent, making A the matching feature.

NEW QUESTION # 44
......

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