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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q76-Q81):

NEW QUESTION # 76
Which is true about an adjustable life insurance policy?

A. The only nonforfeiture option available is cash
B. The policy while in force can alternate between forms of term life insurance and whole life insurance
C. No settlement options are available
D. It is a form of retirement income annuity

Answer: B

Explanation:
Adjustable life insurance (Virginia Code § 38.2-3113.1) allows flexibility in face amount and premiums, effectively shifting between term (lower cost, no cash value) and whole life (higher cost, cash value) features while in force (option A). Option B is false; nonforfeiture options include cash, reduced paid-up, or extended term. Option C is false; settlement options (e.g., lump sum) apply as with other policies. Option D is wrong; it' s life insurance, not an annuity. The study guide likely explains this adaptability-e.g., increasing premiums to build cash value (whole life)-making A the true statement.

NEW QUESTION # 77
The benefit supplement attached to a life insurance policy which insures all members of a family is called a:

A. Family term rider
B. Children's term rider
C. Survivorship term rider
D. Spouse term rider

Answer: A

Explanation:
Virginia Code § 38.2-3109 allows life insurance riders to extend coverage. A family term rider (option C) attaches to a primary policy (e.g., the breadwinner's) and provides term insurance for all family members- spouse and children-under one supplement, often with a single premium. Option A (spouse term rider) covers only the spouse, not children. Option B (children's term rider) insures only children, excluding the spouse. Option D (survivorship term rider) isn't a standard term; "survivorship" typically refers to joint life policies paying at the second death, not family coverage. The study guide likely describes the family term rider as a cost-effective way to insure dependents, with examples showing level term benefits for each member, making C the accurate answer.

NEW QUESTION # 78
What is a condition for which medical advice or treatment was recommended by or received from a provider of health care service within six months preceding the effective date of an individual long-term care policy?

A. Pre-existing condition
B. Covered illness
C. Pre-determined risk
D. Long-term care condition

Answer: A

Explanation:
Virginia Code § 38.2-5205 mandates that long-term care (LTC) policies define pre-existing conditions, typically as conditions for which medical advice or treatment was recommended or received within six months before the policy's effective date. Option B (pre-existing condition) matches this definition exactly, as it identifies prior health issues that may affect coverage (e.g., exclusions or waiting periods). Option A (covered illness) is vague and implies a condition already insured, not necessarily pre-existing. Option C (long-term care condition) isn't a standard term; LTC policies cover specific needs (e.g., ADLs), not a category tied to this timeframe. Option D (pre-determined risk) suggests underwriting factors, not a specific medical history definition. The study guide likely details this six-month lookback as a common LTC standard, with examples like a recent stroke diagnosis, emphasizing disclosure requirements and potential coverage limits, confirming B as the answer.

NEW QUESTION # 79
To cancel a health insurance policy, which one of the following must the insured do?

A. Replace the current policy with another
B. Challenge at least two uniform mandatory provisions
C. Notify the insurer in writing

Answer: C

Explanation:
Virginia Code § 38.2-3508 governs cancellation of individual health insurance policies. For the insured to cancel, they must notify the insurer in writing (option A), specifying intent to terminate, typically effective upon receipt or a stated date, per policy terms. This formal notice ensures clarity and protects both parties, aligning with contract law principles. Option B (replace with another policy) is a practical choice but not a legal requirement; cancellation can occur without replacement. Option C (challenge mandatory provisions) is nonsensical; uniform provisions (e.g., grace period, per § 38.2-3503) are standard and unrelated to cancellation. The study guide likely outlines this process in a policyholder rights section, with examples-e.
g., a letter stating "Cancel effective 5/1/2025"-emphasizing written notice as the sole requirement, making A the correct action.

NEW QUESTION # 80
If an agent unknowingly violates insurance laws, what is the maximum aggregate penalty for similar violations occurring?

A. $15,000
B. $7,500
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 # 81
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