시험덤프
매달, 우리는 1000명 이상의 사람들이 시험 준비를 잘하고 시험을 잘 통과할 수 있도록 도와줍니다.
 홈 / Virginia Life Annuities and Health Insurance 덤프  / Virginia Life Annuities and Health Insurance 문제 연습

Virginia Insurance Virginia Life Annuities and Health Insurance 시험

Virginia Life, Annuities, and Health Insurance Examination Series 11-01 온라인 연습

최종 업데이트 시간: 2026년02월14일

당신은 온라인 연습 문제를 통해 Virginia Insurance Virginia Life Annuities and Health Insurance 시험지식에 대해 자신이 어떻게 알고 있는지 파악한 후 시험 참가 신청 여부를 결정할 수 있다.

시험을 100% 합격하고 시험 준비 시간을 35% 절약하기를 바라며 Virginia Life Annuities and Health Insurance 덤프 (최신 실제 시험 문제)를 사용 선택하여 현재 최신 150개의 시험 문제와 답을 포함하십시오.

 / 12

Question No : 1


Disability income insurance policies usually provide coverage for loss of income resulting from:

정답:
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."

Question No : 2


Life insurance policies are required to have all of the following provisions EXCEPT:

정답:
Explanation:
Detailed Answer in Step-by-Step Solution:
Life insurance policies must include a misstatement of age clause (B), grace period clause (C), and incontestability clause (D) as standard provisions under state law.
The waiver of premium clause (A) is optional, typically a rider, not a required provision.
The Virginia study guide lists mandatory life insurance provisions (e.g., grace period, incontestability, misstatement of age) but notes that waiver of premium is an optional benefit, not required.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Life Insurance Policy Provisions."

Question No : 3


Which is an example of an endodontic service?

정답:
Explanation:
Detailed Answer in Step-by-Step Solution:
Endodontic services involve treatment of the tooth’s interior (pulp and roots), with root canals (C) being a primary example.
Crowns (A) and fillings (D) are restorative, not endodontic. Dentures (B) are prosthetic, unrelated to endodontics.
The Virginia study guide classifies root canals as an endodontic procedure, distinct from restorative or prosthetic dental services, per standard dental insurance definitions.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Dental Insurance."

Question No : 4


Nearly all citizens of the U.S.A., regardless of age, are eligible for Medicare Part B if they are:
A. Retired permanently
B. Eligible for Medicare Part A
C. Uninsurable through commercial insurers
D. "Fully insured" under Social Security

정답: B
Explanation:
Detailed Answer in Step-by-Step Solution:
Medicare Part B eligibility generally requires enrollment in or eligibility for Part A (B), which covers hospital insurance and is tied to age (65+) or disability status, not just retirement (A) or insurability (C).
"Fully insured" under Social Security (D) relates to benefits but isn’t a direct Part B requirement.
The Virginia study guide states that Medicare Part B is available to those eligible for Part A, typically U.S. citizens or residents aged 65 or disabled, regardless of other factors.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Eligibility."

Question No : 5


An insurance company writing business in a state other than the one in which it is domiciled is called:

정답:
Explanation:
Detailed Answer in Step-by-Step Solution:
A foreign insurer (A) is an insurance company operating in a state other than its state of domicile (where it is incorporated).
A domestic insurer (B) operates in its home state. An alien insurer (C) is domiciled outside the U.S. A captive insurer (D) insures its parent company, not based on location.
The Virginia study guide defines a foreign insurer as one licensed to do business in Virginia but incorporated in another state, per insurance regulatory terminology.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Insurance Company Types."

Question No : 6


When the business of insurance is no longer conducted under an assumed name, an agent must notify:

정답:
Explanation:
Detailed Answer in Step-by-Step Solution:
Agents must notify the Virginia Bureau of Insurance (A) of changes like discontinuing an assumed name, as it regulates licensing and business conduct.
The NAIC (B), Chamber (C), and Surety Organization (D) have no direct authority over this requirement.
The Virginia study guide mandates that agents report significant business changes, including assumed name cessation, to the Bureau of Insurance per state law.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Agent Responsibilities."

Question No : 7


A typical disability income insurance policy EXCLUDES benefits for which one of the following causes of loss?

정답:
Explanation:
Detailed Answer in Step-by-Step Solution:
Disability income policies exclude benefits for intentional self-inflicted injuries (B) to prevent abuse or fraud.
Permanent injuries (A), sporting accidents (C), and falls (D) are typically covered unless specifically excluded by the policy.
The Virginia study guide states that disability income insurance excludes self-inflicted injuries as a standard provision to ensure coverage applies to unforeseen events.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Disability Income Insurance."

Question No : 8


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

정답:
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."

Question No : 9


False advertising regarding insurance policies would be found in all of the following EXCEPT:

정답:
Explanation:
Detailed Answer in Step-by-Step Solution:
False advertising includes exaggerating dividends (A), misrepresenting benefits (B), or claiming a policy is a stock (C), all deceptive practices.
Comparing benefits with a competitor (D) is permissible if accurate and not misleading, thus not inherently false advertising.
The Virginia study guide, per state law, prohibits deceptive advertising but allows factual comparisons with competitors, provided they are truthful.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Unfair Trade Practices."

Question No : 10


Which expenses are covered by Medicare Part D?

정답:
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."

Question No : 11


Which is true about the conversion privilege in term life insurance?

정답:
Explanation:
Detailed Answer in Step-by-Step Solution:
The conversion privilege in term insurance allows conversion to a permanent policy (e.g., whole life) at the insured’s current (attained) age without proving insurability (B), typically before the term expires.
Option A (another term policy) is not standard.
Option C (annuity with insurability) is incorrect; conversion is to life insurance.
Option D (issue age rates) doesn’t apply; rates adjust to attained age.
The Virginia study guide explains that the conversion privilege ensures continued coverage by allowing term policies to convert to permanent ones without medical exams, based on attained age.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Term Insurance Features."

Question No : 12


Which type of life insurance policy is designed to pay the balance of a thirty-year home mortgage loan in the event of the insured’s death?

정답:
Explanation:
Detailed Answer in Step-by-Step Solution:
A 30-year decreasing term policy (B) reduces its death benefit over time, matching the declining balance of a 30-year mortgage, making it ideal for this purpose.
30-payment whole life (A) is permanent with level benefits. 30-year level term (C) maintains a constant benefit. 30-year endowment (D) builds cash value and pays out at maturity, not tied to a mortgage.
The Virginia study guide describes decreasing term insurance as tailored for obligations like mortgages, with the benefit decreasing as the debt is paid off.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Types of Life Insurance."

Question No : 13


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:

정답:
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."

Question No : 14


If a patient with a preferred provider organization (PPO) chooses to use a non-PPO provider, the patient usually can expect:

정답:
Explanation:
Detailed Answer in Step-by-Step Solution:
In a PPO, using a non-PPO provider (out-of-network) leads to higher out-of-pocket expenses (A) due to lower reimbursement rates and potential excess charges.
Option B (full cost) is inaccurate; some coverage applies.
Option C (100% reimbursement) is false.
Option D (waiting period) is unrelated.
The Virginia study guide reiterates that PPOs cover out-of-network care but at a reduced level, increasing the insured’s costs compared to in-network use.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."

Question No : 15


In general practice, which one of the following is true of the powers of the Bureau of Insurance with respect to access to an agent’s business records?

정답:
Explanation:
Detailed Answer in Step-by-Step Solution:
The Virginia Bureau of Insurance has authority to request and review an agent’s business records (C) to ensure compliance with state laws, without requiring a court order (A) or NAIC approval (B).
Option D (no access) is false; regulatory oversight overrides privacy in this context.
The Virginia study guide confirms that the Bureau of Insurance can demand records as part of its regulatory powers under Virginia insurance law, ensuring market conduct compliance.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Insurance Regulation."

 / 12
Virginia Insurance