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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q117-Q122):

NEW QUESTION # 117
To cancel a health insurance policy, which one of the following must the insured do?

A. Challenge at least two uniform mandatory provisions
B. Replace the current policy with another
C. Notify the insurer in writing

Answer: C

Explanation:
Virginia Code § 38.2-3508 governs cancellation of individual health insurance policies. For the insured to cancel, they must notify the insurer in writing (option A), specifying intent to terminate, typically effective upon receipt or a stated date, per policy terms. This formal notice ensures clarity and protects both parties, aligning with contract law principles. Option B (replace with another policy) is a practical choice but not a legal requirement; cancellation can occur without replacement. Option C (challenge mandatory provisions) is nonsensical; uniform provisions (e.g., grace period, per § 38.2-3503) are standard and unrelated to cancellation. The study guide likely outlines this process in a policyholder rights section, with examples-e.
g., a letter stating "Cancel effective 5/1/2025"-emphasizing written notice as the sole requirement, making A the correct action.

NEW QUESTION # 118
One feature that distinguishes a continuous premium whole life policy from a limited payment whole life policy is:

A. The length of time premiums will be paid
B. The form in which dividends are paid
C. The settlement options available
D. The mortality table from which premiums are calculated

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* A continuous premium whole life policy requires premiums for the insured's lifetime (A), while a limited payment policy has a set payment period (e.g., 20 years).
* Settlement options (B), mortality tables (C), and dividends (D) are similar across both types.
The Virginia study guide distinguishes continuous premium whole life (lifelong payments) from limited payment whole life (fixed-term payments), both providing permanent coverage. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Whole Life Insurance."

NEW QUESTION # 119
Which of the following is required to hold an appointment with the insurance company it represents?

A. An agent
B. An employee of the insurer
C. A consultant
D. An insured

Answer: A

Explanation:
Virginia Code § 38.2-1833 defines an "appointment" as a formal authorization by an insurer for a licensed agent to act on its behalf in transacting insurance. An insured (option A) is the policyholder or beneficiary and has no role in representing the insurer. An employee of the insurer (option B) may work internally but isn't automatically appointed to sell insurance unless they hold an agent's license and an appointment, which isn't implied here. A consultant (option C), under Virginia Code § 38.2-1837, advises on insurance but doesn't transact it unless also licensed and appointed as an agent, making this a less direct fit. Only an agent (option D), licensed under Virginia Code § 38.2-1819 and appointed per § 38.2-1833, is required to hold an appointment to represent an insurer. The study guide emphasizes that appointments link licensed agents to specific insurers, solidifying D as the correct choice.

NEW QUESTION # 120
A licensee is NOT required by Virginia law to keep which of the following records?

A. Policy renewal notices
B. Accounting records of premium payments
C. Files of insurance applications on current policies issued
D. Premium quotations of unissued policies

Answer: D

Explanation:
Virginia Code § 38.2-1809 mandates that licensees maintain specific records for regulatory oversight and consumer protection. Option A (accounting records of premium payments) is required to track funds received and remitted, ensuring financial accountability (e.g., premiums collected for a $1,000 policy). Option B (files of insurance applications on current policies) must be kept as part of the contract and for audit purposes, per
38.2-1810. Option C (policy renewal notices) is required to document communication with policyholders about ongoing coverage, ensuring transparency. Option D (premium quotations of unissued policies) is not mandated; while agents may provide quotes (e.g., $500 annually for a term policy), these are preliminary offers, not binding until a policy is issued, and Virginia law doesn't require retaining them unless they result in a transaction. The study guide likely details recordkeeping in a compliance chapter, contrasting required records (A, B, C) with optional ones like quotes (D), using examples-e.g., keeping a paid policy's file but not a rejected quote-making D the item not required. This reflects Virginia's focus on executed contracts over prospective ones.

NEW QUESTION # 121
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?

A. 30-year endowment
B. 30-year decreasing term
C. 30-year level term
D. 30-payment whole life

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* A 30-year decreasing term policy (B) reduces its death benefit over time, matching thedeclining 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."

NEW QUESTION # 122
......

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Latest Virginia-Life-Annuities-and-Health-Insurance Dumps Pdf & Virginia-Life-Annuities-and-Health-Insurance Exam Vce

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q117-Q122):

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