FREE PDF VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE MATERIALS & EFFICIENT CUSTOMIZABLE VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE EXAM MODE: VIRGINIA LIFE, ANNUITIES, AND HEALTH INSURANCE EXAMINATION SERIES 11-01

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q113-Q118):

NEW QUESTION # 113
After an insured's death, the insurer learned that the age on the application for a whole life insurance policy was understated by five years. The rate per $1,000 for the applicant's actual age was $18, and the rate for the understated age was $15. How much will the insurer pay?

  • A. The policy face amount
  • B. 15/18 of the policy face amount
  • C. 95% of the policy face amount
  • D. Nothing at all

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* When age is misstated, the insurer adjusts the death benefit based on the premium paid versus what should have been paid.
* Premium paid: $15 per $1,000 (understated age). Correct premium: $18 per $1,000 (actual age).
* Ratio: $15/$18 = 5/6 of the intended coverage. Thus, the benefit is 15/18 of the face amount (A).
* Option B (95%) is arbitrary. Option C (full amount) ignores the misstatement. Option D (nothing) applies only in fraud cases beyond the incontestability period, not specified here.
The Virginia study guide states that under the misstatement of age provision, the benefit is adjusted proportionally to the premium paid versus the correct premium, not denied entirely. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Life Insurance Policy Provisions."


NEW QUESTION # 114
In general practice, which one of the following is true of the powers of the Bureau of Insurance withrespect to access to an agent's business records?

  • A. Records can only be accessed by an order of a state court
  • B. Authorization must come from the National Association of Insurance Commissioners (NAIC)
  • C. The Bureau of Insurance has no right to access an agent's business records because of privacy considerations
  • D. Records must be produced upon the request of the Bureau of Insurance

Answer: D

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."


NEW QUESTION # 115
An IRA owner names the spouse as beneficiary. Which is true if the owner dies before any distributions are made?

  • A. Distributions must begin in the year after the deceased would have reached age 70½
  • B. All future distributions are forfeited
  • C. Distributions must begin within six months of the decedent's death
  • D. The surviving spouse can roll the account into another IRA

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* If an IRA owner dies before distributions, the surviving spouse beneficiary can roll the IRA into their own IRA (B), treating it as their own and delaying distributions until their required beginning date.
* Option A (forfeited) is false; assets pass to the beneficiary. Options C and D apply to non-spouse beneficiaries under older rules, not spousal rollovers.
The Virginia study guide, per IRS rules, allows a surviving spouse to roll an inherited IRA into their own, avoiding immediate taxation or forced distributions. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Retirement Plans."


NEW QUESTION # 116
Which is true about a term life insurance policy?

  • A. It usually can be renewed at the same premium
  • B. It may only be written for periods of five years or less
  • C. It provides temporary protection
  • D. It usually provides a cash value

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Term life insurance (B) provides coverage for a specified period (temporary protection) and does not accumulate cash value.
* Option A (cash value) applies to permanent life insurance, not term.
* Option C (five years or less) is false; term policies can span 10, 20, or 30 years.
* Option D (same premium) is incorrect; renewable term policies increase premiums at renewal based on age.
The Virginia study guide describes term life insurance as temporary coverage with no cash value, contrasting it with permanent policies. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on
"Types of Life Insurance."


NEW QUESTION # 117
Under Virginia standards for marketing long-term care coverage, all of these are prohibited sales practices EXCEPT:

  • A. High pressure tactics
  • B. Twisting
  • C. Cold lead advertising
  • D. Replacing existing coverage

Answer: C

Explanation:
Virginia Code § 38.2-5207 and 14VAC5-200-185 outline marketing standards for long-term care (LTC) insurance to protect consumers. Option A (twisting)-misrepresenting a policy to induce replacement-is prohibited as an unfair practice (Virginia Code § 38.2-502). Option C (high pressure tactics)-aggressive sales forcing quick decisions-violates ethical standards and is banned (14VAC5-200-40). Option B (replacing existing coverage) is incorrect as stated; replacement itself isn't prohibited but requires disclosure via a replacement notice (14VAC5-200-75), making it regulated, not banned outright-however, the question implies unauthorized or deceptive replacement, which is prohibited. Option D (cold lead advertising)- soliciting via broad, unsolicited leads (e.g., mailers)-is permitted if it complies with disclosure rules and isn' t deceptive (14VAC5-200-50). The study guide likely lists twisting and high pressure as unethical, with examples like misstating benefits, while allowing cold lead ads with proper labeling (e.g., "advertisement"), making D the exception.


NEW QUESTION # 118
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