EXAM VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE LEARNING | EXAM VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE REVIEW

Exam Virginia-Life-Annuities-and-Health-Insurance Learning | Exam Virginia-Life-Annuities-and-Health-Insurance Review

Exam Virginia-Life-Annuities-and-Health-Insurance Learning | Exam Virginia-Life-Annuities-and-Health-Insurance Review

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No doubt the Virginia Life, Annuities, and Health Insurance Examination Series 11-01 (Virginia-Life-Annuities-and-Health-Insurance) certification is one of the most challenging certification exams in the market. This Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance certification exam gives always a tough time to Virginia Life, Annuities, and Health Insurance Examination Series 11-01 (Virginia-Life-Annuities-and-Health-Insurance) exam candidates. The BraindumpsPrep understands this hurdle and offers recommended and real Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance exam practice questions in three different formats.

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q125-Q130):

NEW QUESTION # 125
If a patient with a preferred provider organization (PPO) chooses to use a non-PPO provider, the patient usually can expect:

  • A. To have higher out-of-pocket expenses
  • B. To pay the full cost of care
  • C. A one-year waiting period before re-enrolling in the PPO
  • D. 100% reimbursement for the service provided

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* In a PPO, using a non-PPO provider (out-of-network) leads to higher out-of-pocket expenses (A) due to lower reimbursement rates and potential excess charges.
* Option B (full cost) is inaccurate; some coverage applies. Option C (100% reimbursement) is false.
Option D (waiting period) is unrelated.
The Virginia study guide reiterates that PPOs cover out-of-network care but at a reduced level, increasing the insured's costs compared to in-network use. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."


NEW QUESTION # 126
The designation of a beneficiary by class in a life insurance policy means that:

  • A. Individual beneficiaries are not specified by name
  • B. The policy must be a form of business life insurance
  • C. The beneficiaries are unrelated to the insured
  • D. A primary beneficiary cannot be designated in the policy

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Designating a beneficiary "by class" means identifying a group (e.g., "my children") rather than naming specific individuals (C).
* Option A (business life insurance) is unrelated to class designation.
* Option B (no primary beneficiary) is incorrect; a class can still be primary.
* Option D (unrelated beneficiaries) is not a requirement of class designation.
The Virginia study guide notes that a class designation identifies beneficiaries by a category (e.g., "spouse" or
"heirs") rather than specific names, offering flexibility. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Beneficiary Designations."


NEW QUESTION # 127
When a small employer health insurance plan is offered, it must be available:

  • A. To all eligible employees who apply
  • B. Only to employees who provide evidence of insurability
  • C. To all eligible employees after a 12-month waiting period
  • D. Only to employees under age 65

Answer: A

Explanation:
Virginia Code § 38.2-3431 et seq., aligned with the ACA, requires small employer health plans (1-50 employees) to offer coverage to all eligible employees who apply, without discrimination based on health status or other factors. "Eligible" typically means full-time employees meeting the employer's criteria (e.g.,
30+ hours/week). Option A reflects this guaranteed issue mandate, ensuring broad access. Option B (12- month waiting period) is false; Virginia and federal law cap waiting periods at 90 days (Virginia Code § 38.2-
3445), not 12 months. Option C (evidence ofinsurability) contradicts guaranteed issue rules for small groups, which prohibit medical underwriting. Option D (under age 65) is incorrect; coverage extends to all eligible employees regardless of age, though Medicare coordination may apply post-65. The study guide likely stresses this inclusivity as a cornerstone of small group market reforms, making A the correct answer.


NEW QUESTION # 128
An insurance company writing business in a state other than the one in which it is domiciled is called:

  • A. A foreign insurer
  • B. A domestic insurer
  • C. An alien insurer
  • D. A captive insurer

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* A foreign insurer (A) is an insurance company operating in a state other than its state of domicile (where it is incorporated).
* A domestic insurer (B) operates in its home state. An alien insurer (C) is domiciled outside the U.S. A captive insurer (D) insures its parent company, not based on location.
The Virginia study guide defines a foreign insurer as one licensed to do business in Virginia but incorporated in another state, per insurance regulatory terminology. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Insurance Company Types."


NEW QUESTION # 129
When there is a misstatement of age by an applicant for a disability income policy:

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

Answer: A

Explanation:
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.


NEW QUESTION # 130
......

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