VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE CERTIFIED - NEW BRAINDUMPS VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE BOOK

Virginia-Life-Annuities-and-Health-Insurance Certified - New Braindumps Virginia-Life-Annuities-and-Health-Insurance Book

Virginia-Life-Annuities-and-Health-Insurance Certified - New Braindumps Virginia-Life-Annuities-and-Health-Insurance Book

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q32-Q37):

NEW QUESTION # 32
Under which type of policy are benefit payments treated as taxable income?

  • A. Disability buy-sell
  • B. Individual disability income
  • C. Key person disability income
  • D. Business overhead expense

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Individual disability income (C) benefits are taxable if the insured paid premiums with pre-tax dollars (e.g., employer-paid), but tax-free if paid with after-tax dollars. The question implies taxable benefits, typical when premiums are deductible.
* Business overhead expense (A), disability buy-sell (B), and key person disability (D)benefits are generally tax-free to the business or recipient, as premiums are not deductible.
The Virginia study guide, per IRS rules, states that individual disability income benefits are taxable if premiums were paid pre-tax (e.g., by an employer), unlike business-related disability policies where benefits serve specific tax-exempt purposes. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Taxation of Insurance Benefits."


NEW QUESTION # 33
In HMO coverage, preventive services include:

  • A. Childhood immunizations
  • B. Rehabilitation therapy
  • C. Home health services
  • D. Treatment for alcoholism

Answer: A

Explanation:
Health Maintenance Organizations (HMOs) in Virginia, per Virginia Code § 38.2-4306, emphasize preventive care to reduce long-term costs. Preventive services, as defined in the study guide and aligned with ACA standards, include childhood immunizations (option C), such as vaccines for measles or polio, offered at no cost to members. Option A (rehabilitation therapy) is restorative, not preventive, addressing existing conditions. Option B (treatment for alcoholism) is a treatment service, not prevention, though HMOs cover it separately. Option D (home health services) supports recovery or chronic care, not primary prevention. The study guide likely lists immunizations as a core preventive benefit, contrasting them with treatment-oriented services, confirming C as the correct answer.


NEW QUESTION # 34
Which is true about a term life insurance policy?

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

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 # 35
The overall authority of an insurance agent includes all of the following EXCEPT:

  • A. Residual authority
  • B. Implied authority
  • C. Apparent authority
  • D. Express or specific authority

Answer: A

Explanation:
Virginia insurance law (Title 38.2, Chapter 18) recognizes three types of agent authority: express, implied, and apparent. Express authority (option B) is explicitly granted by the insurer in the agency agreement (e.g., soliciting policies), per Virginia Code § 38.2-1800 et seq. Implied authority (option C) is unwritten power to perform incidental acts necessary for express duties (e.g., collecting premiums). Apparent authority (option A) arises when a third party reasonably believes the agent has authority based on the insurer's actions (e.g., providing branded materials), binding the insurer legally. Option D (residual authority) is not a recognized term in Virginia insurance or agency law; "residual" might relate to markets or benefits elsewhere, but not agent authority. The study guide likely outlines these three authorities with examples, excluding D as a fabricated or irrelevant concept, making it the exception.


NEW QUESTION # 36
To cancel a health insurance policy, which one of the following must the insured do?

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

Answer: B

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 # 37
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