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Pass Your Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Exam with Complete Virginia-Life-Annuities-and-Health-Insurance Pdf Format: Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Efficiently

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q94-Q99):

NEW QUESTION # 94
When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

A. Dental
B. Health maintenance organization
C. Disability income
D. Major medical

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Employer-paid premiums for group health plans like major medical (B), dental (C), and HMOs (D) result in tax-free benefits under IRC Section 106.
* Disability income (A) benefits are taxable if the employer pays the premium, per IRS rules, unlike medical benefits.
The Virginia study guide, aligned with IRS regulations, notes that employer-funded disability income benefits are taxable to the recipient, while medical, dental, and HMO benefits remain tax-free. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Taxation of Insurance Benefits."

NEW QUESTION # 95
Which is true about the conversion privilege in term life insurance?

A. The policyowner may convert to another term policy of the insured's choice
B. The policyowner may convert to an annuity at attained age rates only if evidence of insurability is provided
C. The policyowner may obtain additional term insurance at issue age rates without evidence of insurability
D. The policyowner may convert to permanent life insurance on an attained age basis without evidence of insurability

Answer: D

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."

NEW QUESTION # 96
The entire contract clause in a life insurance policy states that the complete contract between the insurer and the policyowner usually consists of the policy and the:

A. Declaration page
B. Waiver of premium rider
C. Attached application
D. Conditional premium receipt

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* The entire contract clause includes the policy and the attached application (B), ensuring all terms and representations are part of the agreement.
* The premium receipt (A) is temporary, the waiver rider (C) is optional, and the declaration page (D) is part of the policy, not separate.
The Virginia study guide states that the entire contract provision encompasses the policy and attached application, defining the full legal agreement. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Life Insurance Policy Provisions."

NEW QUESTION # 97
In addition to the applicant, who signs an application for health insurance?

A. The inspection company representative
B. The applicant's dependents
C. The applicant's spouse
D. The agent

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* The health insurance application is signed by the applicant (who provides personal info) and the agent (D), who certifies the information's accuracy and their role in the process.
* The spouse (A) or dependents (B) don't sign unless they're co-applicants. An inspection representative (C) is not involved in the application process.
The Virginia study guide specifies that the agent signs the application alongside the applicant to verify the submission and their involvement, per standard industry practice. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Application Process."

NEW QUESTION # 98
The unwritten authority of an agent to perform incidental acts necessary to fulfill the purpose of the agency agreement is:

A. Nonexistent
B. Mandated authority
C. Express authority
D. Implied authority

Answer: D

Explanation:
The concept of agency authority is foundational in Virginia insurance law, derived from general agency principles and reflected in Title 38.2, Chapter 18. Express authority is explicitly granted in the agency agreement (e.g., soliciting and binding coverage), per Virginia Code § 38.2-1800 et seq. Implied authority, however, is not written but assumed to be necessary for carrying out express duties-such as scheduling client meetings or collecting initial premiums-unless restricted by the insurer. "Mandated authority" (option B) is not a recognized term in Virginia insurance regulations or study materials. Option C (express authority) is incorrect because it's explicitly stated, not unwritten. Option D (nonexistent) denies the presence of authority, which contradicts the question's premise. The Virginia Life, Annuities, and Health Insurance study guide likely highlights implied authority as a key concept for agents' day-to-day operations, making A the correct answer.

NEW QUESTION # 99
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Tony King Tony King

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