Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Quiz - Virginia-Life-Annuities-and-Health-Insurance Studienanleitung & Virginia-Life-Annuities-and-Health-Insurance Trainingsmaterialien

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Virginia-Life-Annuities-and-Health-Insurance Prüfungsfragen mit Lösungen (Q112-Q117):

112. Frage
Which of the following is required to hold an appointment with the insurance company it represents?

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

Antwort: A

Begründung:
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.

113. Frage
Which type of health insurance helps to pay for the cost of care in cases where hospitalization is not required but the individuals are unable to care for themselves?

A. Medicare
B. Long-term care
C. Major medical
D. Disability income

Antwort: B

Begründung:
Detailed Answer in Step-by-Step Solution:
* Long-term care insurance (B) is designed to cover custodial care (e.g., help with daily activities like bathing or dressing) when individuals cannot care for themselves, often outside a hospital setting.
* Medicare (A) provides limited long-term care coverage (e.g., skilled nursing for a short period), not comprehensive custodial care.
* Major medical (C) covers hospital and medical expenses, not long-term custodial care.
* Disability income (D) replaces lost income, not care costs.
The Virginia study guide defines long-term care insurance as coverage for extended care needs, such as in nursing homes or at home, when individuals cannot perform activities of daily living, distinguishing it from Medicare or major medical plans. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Types of Health Insurance."

114. Frage
A licensee must report an administrative action taken by another state or governmental agency tothe Bureau of Insurance within how many calendar days after final disposition?

A. 10 days
B. 30 days
C. 20 days
D. 45 days

Antwort: B

Begründung:
Virginia Code § 38.2-1826(C) mandates that licensees (agents, brokers, etc.) report administrative actions- such as license revocation or fines by another state or agency-to the Bureau of Insurance within 30 calendar days of the final disposition. "Final disposition" means the conclusion of the action (e.g., final order or settlement). This requirement ensures Virginia regulators can assess the licensee's fitness to hold a license and protect consumers. Option C (30 days) matches this statutory timeline precisely. Option A (10 days) is too short and not supported by Virginia law. Option B (20 days) lacks a basis in the Code or study materials.
Option D (45 days) exceeds the mandated period, risking delayed oversight. The study guide likely emphasizes this 30-day rule as a critical compliance deadline, reinforced by Virginia's alignment with NAIC standards for licensee reporting, making C the definitive answer.

115. Frage
When there is a misstatement of age by an applicant for a disability income policy:

A. The company will cancel the policy immediately upon discovery of the misstatement of age.
B. Any amount payable will be the amount of coverage the premium would have purchased at the insured' s correct age.
C. The insurer is not liable for any claims made during the period before correction of the insured's age.
D. The policy will be void from its inception because of the insured's misrepresentation.

Antwort: B

Begründung:
Virginia Code § 38.2-3505 requires disability income policies to include a misstatement of age provision. If an applicant misstates their age, the insurer adjusts benefits to what the paid premium would have purchased at the correct age, rather than voiding or canceling the policy. Option A reflects this adjustment process.
Option B is false; the insurer remains liable, adjusting claims rather than denying them outright. Option C is incorrect; immediate cancellation isn't standard unless fraud is proven (Virginia Code § 38.2-309), and age misstatements are typically clerical errors, not fraud. Option D is wrong; voiding from inception requires material misrepresentation with intent to deceive, not a simple age error. The study guide likely explains this clause as a fairness mechanism, protecting both parties, making A the correct answer.

116. Frage
A group health insurance contract is between the:

A. Employer and employees
B. Employer and insurance company
C. Employer, employees, and insurance company
D. Employee and insurance company

Antwort: B

Begründung:
Detailed Answer in Step-by-Step Solution:
* A group health insurance contract is a legal agreement between the employer (policyholder) and the insurance company (C), with employees as covered participants, not direct parties to the contract.
* Option A (employer and employees) is the employment relationship, not the insurance contract. Option B (employee and insurer) applies to individual policies. Option D (all three) overcomplicates the contractual relationship.
The Virginia study guide states that group insurance contracts are issued to the employer or group sponsor, who contracts with the insurer, while employees receive certificates of coverage. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Group Insurance."

117. Frage
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