VIRGINIA INSURANCE - VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE - VIRGINIA LIFE, ANNUITIES, AND HEALTH INSURANCE EXAMINATION SERIES 11-01–UPDATED NEW EXAM PASS4SURE

Virginia Insurance - Virginia-Life-Annuities-and-Health-Insurance - Virginia Life, Annuities, and Health Insurance Examination Series 11-01–Updated New Exam Pass4sure

Virginia Insurance - Virginia-Life-Annuities-and-Health-Insurance - Virginia Life, Annuities, and Health Insurance Examination Series 11-01–Updated New Exam Pass4sure

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q113-Q118):

NEW QUESTION # 113
Which term refers to the period of time from the beginning of confinement to the beginning of benefits under a long-term care insurance policy?

  • A. The exclusion period
  • B. The qualifying period
  • C. The trial period
  • D. The elimination period

Answer: D

Explanation:
In long-term care (LTC) insurance, the elimination period, per Virginia Code § 38.2-5202, is the waiting period between the onset of a qualifying condition (e.g., confinement due to inability to perform ADLs) and the start of benefit payments. It's akin to a deductible in days (e.g., 30, 60, or 90 days), during which the insured must cover costs. Option D correctly names this period. Option A (trial period) isn't a standard LTC term. Option B (exclusion period) might confuse with pre-existing condition exclusions, but it's not the waiting period for benefits. Option C (qualifying period) could imply eligibility determination, but
"elimination period" is the precise industry term. The study guide likely defines this as a cost-sharing feature, with examples illustrating how longer periods reduce premiums, solidifying D as the answer.


NEW QUESTION # 114
All of the following statements about the interest ONLY settlement option in life insurance policies are true EXCEPT:

  • A. At some later date, the principal may be paid under one of the other options
  • B. The option can be selected only by the beneficiary
  • C. The proceeds of the policy are left with the insurance company
  • D. The interest on the principal amount is paid periodically to the beneficiary

Answer: B

Explanation:
Virginia Code § 38.2-3115 governs life insurance settlement options. The interest-only option keeps proceeds with the insurer (option A, true), paying interest periodically to the beneficiary (option C, true, e.g., quarterly), and allows the principal to be withdrawn or redirected later (option D, true, e.g., switching to fixed period).
Option B is false; the policyowner can select this option during the policy term, not just the beneficiary post- death-though beneficiaries may elect it if not pre-specified. The study guide likely explains this flexibility with examples-e.g., a $100,000 policy earning 3% interest paid monthly-noting both parties' roles, making B the exception since it restricts choice to the beneficiary alone.


NEW QUESTION # 115
An individual purchased an annuity with a series of premium payments continuing over a period of twenty years. The purchase payments were made during the:

  • A. Period certain
  • B. Liquidation period
  • C. Accumulation period
  • D. Annuity period

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* The accumulation period (D) is the phase in a deferred annuity where premiums are paid to build value before payouts begin.
* The liquidation period (A) is not a standard term here; it might imply payout but isn't correct.
* The annuity period (B) is when payments are received, not paid.
* Period certain (C) refers to a payout option, not premium payment phase.
The Virginia study guide defines the accumulation period as the time during which premium payments are made into a deferred annuity, accumulating value until the payout phase. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Annuities."


NEW QUESTION # 116
What kind of rider may be added to an individual disability income insurance policy to increase benefits during periods of price inflation?

  • A. Inflation guard
  • B. Cost of living
  • C. Price escalation
  • D. Wage protection

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* A cost of living (COLA) rider (B) adjusts disability income benefits to account for inflation, maintaining purchasing power.
* Inflation guard (A) is more common in property insurance. Price escalation (C) and wage protection (D) are not standard disability riders.
The Virginia study guide describes the COLA rider as an optional feature in disability income policies, increasing benefits based on inflation indices like the CPI. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Disability Insurance Riders."


NEW QUESTION # 117
Which is true about a term life insurance policy?

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

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 # 118
......

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