FREE PDF VIRGINIA INSURANCE - UNPARALLELED VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE - ONLINE VIRGINIA LIFE, ANNUITIES, AND HEALTH INSURANCE EXAMINATION SERIES 11-01 TRAINING MATERIALS

Free PDF Virginia Insurance - Unparalleled Virginia-Life-Annuities-and-Health-Insurance - Online Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Training Materials

Free PDF Virginia Insurance - Unparalleled Virginia-Life-Annuities-and-Health-Insurance - Online Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Training Materials

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q73-Q78):

NEW QUESTION # 73
Which policy provision allows an employee to change from group coverage to an individual life insurance policy?

  • A. Nonforfeiture
  • B. Conversion
  • C. Assignment
  • D. Incontestability

Answer: B

Explanation:
Virginia Code § 38.2-3330 requires group life insurance policies to include a conversion provision,allowing an employee to convert group coverage to an individual policy without evidence of insurability, typically within 31 days after termination of employment or group eligibility. Option B (conversion) directly describes this right, ensuring continued protection. Option A (nonforfeiture) applies to cash value options (e.g., reduced paid-up insurance) in individual policies, not group-to-individual transitions. Option C (assignment) transfers policy ownership, unrelated to conversion. Option D (incontestability) limits the insurer's ability to deny claims after a period (e.g., 2 years), not a conversion mechanism. The study guide likely highlights conversion as a key group life feature, with scenarios like an employee leaving a job and converting to a whole life policy, making B the precise answer.


NEW QUESTION # 74
A coordination of benefits provision is included in group health insurance to reduce:

  • A. Dependent coverage
  • B. Probationary periods
  • C. Waiting periods
  • D. Overinsurance

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* The coordination of benefits (COB) provision prevents overinsurance (B) by ensuring that total payments from multiple group plans don't exceed 100% of covered expenses, avoiding duplication.
* It doesn't affect dependent coverage (A), probationary periods (C), or waiting periods (D), which are unrelated to claim payments.
The Virginia study guide describes COB as a mechanism to coordinate payments among multiple insurers, reducing overinsurance and ensuring fair claim distribution. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Group Health Insurance Provisions."


NEW QUESTION # 75
If a patient with a preferred provider plan chooses to use a non-preferred provider, the patient usually can expect:

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

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* In a PPO, using a non-preferred (out-of-network) provider typically results in higher out-of-pocket expenses (A) due to lower reimbursement rates (e.g., 60% vs. 80% in-network) and potential excess charges.
* Option B (full cost) may apply to HMOs, not PPOs, which still offer some coverage. Option C (100% reimbursement) is false. Option D (waiting period) is unrelated to provider choice.
The Virginia study guide explains that PPOs offer flexibility to use out-of-network providers, but at a higher cost to the insured due to reduced coinsurance or additional charges. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."


NEW QUESTION # 76
Which benefit is usually excluded from major medical plan coverage?

  • A. Surgical expense
  • B. Custodial care
  • C. Physicians' visits
  • D. Hospital expense

Answer: B

Explanation:
Virginia Code § 38.2-3500 et seq. governs major medical plans, which cover catastrophic costs like hospital expenses (option A), physicians' visits (option C), and surgical expenses (option D). Option B (custodial care)
-non-medical assistance with daily living (e.g., bathing)-is typically excluded, as it's not "medically necessary" under standard definitions (Virginia Code § 38.2-3407.10). The study guide likely lists inclusions (A, C, D) with examples-e.g., $5,000 for surgery-versus exclusions like custodial care, covered by LTC policies instead, making B the usual exception.


NEW QUESTION # 77
One premium payment covers which period of time in a single premium whole life policy?

  • A. One year
  • B. To the insured's age 65
  • C. The full life of the policy
  • D. One month

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* A single premium whole life policy is a type of permanent life insurance where the entire premium for the policy's lifetime coverage is paid in one lump sum at issuance.
* Unlike policies with recurring premiums (e.g., monthly or annual), this single payment funds the policy for the insured's full life (D).
* Options A (one month) and B (one year) apply to term or recurring premium policies.
* Option C (to age 65) might relate to limited-pay policies, not single premium ones.
Per the Virginia study guide, a single premium whole life policy requires one payment upfront, providing coverage for the insured's entire life and building immediate cash value. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Types of Life Insurance Policies."


NEW QUESTION # 78
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