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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q64-Q69):

NEW QUESTION # 64
What is a situation or condition that increases the likelihood of an insured loss occurring?

A. Risk
B. Exposure
C. Peril
D. Hazard

Answer: D

Explanation:
In insurance terminology, per Virginia Code § 38.2-100 et seq., a hazard (option A) is a condition increasing the likelihood or severity of a loss from a covered peril (e.g., smoking increases fire risk). Option B (peril) is the cause of loss (e.g., fire, theft). Option C (exposure) is the extent of potential loss, not the condition itself.
Option D (risk) is the broader uncertainty of loss, encompassing hazards and perils. The study guide likely differentiates these with examples-e.g., icy roads (hazard) causing a crash (peril)-highlighting hazard's role in amplifying loss probability, making A the exact match.

NEW QUESTION # 65
All of the following are dividend options in life insurance policies EXCEPT:

A. Receiving the entire policy cash value
B. Accumulating the dividends with interest
C. Applying the dividends to reduce the premium due
D. Using the dividends to purchase additional paid-up life insurance

Answer: A

Explanation:
Virginia Code § 38.2-3207 allows participating life policies to offer dividend options: option A (reduce premium), option B (buy paid-up additions increasing coverage), and option C (accumulatewith interest) are standard, reflecting insurer profits shared with policyowners. Option D (receiving the entire cash value) isn't a dividend option; it's a surrender or nonforfeiture action, terminating the policy, not distributing profits. The study guide likely lists these options with examples-e.g., $100 dividend reducing a $500 premium (A)- contrasting them with cash value withdrawal, making D the exception.

NEW QUESTION # 66
In the solicitation and sale of Medicare Supplement insurance policies, when must an agent deliver the buyer' s guide?

A. At the time of application
B. Only when the solicitation involves replacement
C. Prior to accepting any payment of premium
D. Only when the purchaser is a first-time buyer

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* The buyer's guide for Medicare Supplement insurance must be provided to the consumer at the time of application (B) to ensure they understand the policy's benefits and limitations before committing.
* Option A (replacement only) is incorrect; the guide is required for all sales, though additional notices apply for replacements.
* Option C (prior to payment) is too vague and not a specific requirement.
* Option D (first-time buyer) is not a condition under Virginia or federal rules.
Per the Virginia study guide, agents must deliver the buyer's guide at the time of application for Medicare Supplement policies, as mandated by federal and state regulations to promote informed decisions. Reference:
Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Supplement Insurance Regulations."

NEW QUESTION # 67
A function performed by both the life insurance agent and the home office underwriter is:

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

Answer: D

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 # 68
One characteristic of flexible premium life insurance is that payment of the premium can be altered at the option of:

A. The contingent beneficiary
B. The policyowner
C. The insurer, if the Consumer Price Index has risen at least 10% over the past year
D. The insurer, if the prime interest rate falls below 6%

Answer: B

Explanation:
Flexible premium life insurance, such as universal life (Virginia Code § 38.2-3113.1), allows the policyowner to adjust premium payments within policy limits (e.g., minimum to maintain coverage, maximum for tax advantages), offering flexibility over fixed-premium plans like whole life. Option A correctly identifies the policyowner as the decision-maker. Option B (contingent beneficiary) is false; beneficiaries have no control over premiums. Options C and D tie adjustments to economic indices (CPI, interest rates), but Virginia law and standard policies don't grant insurers unilateral premium-changing rights based on these factors- flexibility is the policyowner's prerogative, subject to cash value sufficiency. The study guide likely contrasts this with traditional policies, using examples of skipped or increased payments, confirming A as the defining trait.

NEW QUESTION # 69
......

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Virginia-Life-Annuities-and-Health-Insurance New Exam Materials & Virginia-Life-Annuities-and-Health-Insurance Latest Dumps Questions

Virginia-Life-Annuities-and-Health-Insurance Latest Dumps Questions & Exam Virginia-Life-Annuities-and-Health-Insurance Testking

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q64-Q69):

Quiz Virginia-Life-Annuities-and-Health-Insurance - Virginia Life, Annuities, and Health Insurance Examination Series 11-01 –Valid New Exam Materials

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