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Virginia-Life-Annuities-and-Health-Insurance Reliable Test Tips - Virginia-Life-Annuities-and-Health-Insurance Real Questions

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q131-Q136):

NEW QUESTION # 131
When may a person insured under a group term insurance policy exercise the conversion option?

A. Never, because group life insurance does not have a conversion privilege
B. Anytime while insurable and still a member of the insured group
C. Within 31 days after the person has terminated employment
D. Anytime after the group contract has existed for five years

Answer: C

Explanation:
Virginia Code § 38.2-3330 mandates a conversion privilege in group term life policies, allowing insureds to convert to an individual policy without evidence of insurability within 31 days after losing group eligibility (e.
g., employment termination). Option C matches this precisely. Option A is false; conversion is a legal requirement. Option B is incorrect; conversion applies post-eligibility, not during active membership while still insurable. Option D (five years) is arbitrary and unsupported by law. The study guide likely details this
31-day window with examples-e.g., an employee converting to whole life after layoffs-emphasizing its protective role, making C the correct timing.

NEW QUESTION # 132
Unless an insured has made fraudulent statements on the application for individual health coverage, subsequent claims may not be denied under the provision for:

A. Legal actions
B. Time limit on certain defenses
C. Grace period
D. Time payment of claims

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* The "time limit on certain defenses" provision (B), often tied to incontestability, limits the insurer's ability to deny claims based on application errors after a period (e.g., 2 years), unless fraud is proven.
* Legal actions (A) governs lawsuits, grace period (C) covers premium delays, and time payment of claims (D) sets claim payment deadlines-none relate to application defenses.
The Virginia study guide explains that the time limit on certain defenses provision protects insureds by restricting post-issuance claim denials after a contestable period, absent fraud. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Policy Provisions."

NEW QUESTION # 133
Preferred provider organizations (PPOs) encourage patients to use specified hospitals by:

A. Offering greater coinsurance percentages
B. Making public service announcements
C. Offering outpatient diagnostic coverage
D. Extending days of hospitalization coverage

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* PPOs incentivize use of in-network providers (e.g., specified hospitals) by offering higher coinsurance percentages (D), meaning the insurer pays a larger share of costs (e.g., 80% vs. 60% out-of-network).
* Option A (announcements) is not a direct incentive.
* Option B (diagnostic coverage) applies broadly, not specifically to in-network use.
* Option C (extending hospital days) is not a typical PPO feature.
The Virginia study guide notes that PPOs encourage in-network use through financial incentives like higher coinsurance or lower out-of-pocket costs, distinguishing them from HMOs. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."

NEW QUESTION # 134
What is often payable to a life insurance policyowner when a medical condition drastically limits the insured' s life expectancy?

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

Answer: D

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 # 135
One premium payment covers which period of time in a single premium whole life policy?

A. One month
B. One year
C. The full life of the policy
D. To the insured's age 65

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* A single premium whole life policy is a type of permanent life insurance where the entire premium for the policy's lifetime coverage is paid in one lump sum at issuance.
* Unlike policies with recurring premiums (e.g., monthly or annual), this single payment funds the policy for the insured's full life (D).
* Options A (one month) and B (one year) apply to term or recurring premium policies.
* Option C (to age 65) might relate to limited-pay policies, not single premium ones.
Per the Virginia study guide, a single premium whole life policy requires one payment upfront, providing coverage for the insured's entire life and building immediate cash value. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Types of Life Insurance Policies."

NEW QUESTION # 136
......

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