VIRGINIA INSURANCE VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE LATEST TEST PRACTICE & RELEVANT VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE ANSWERS

Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Latest Test Practice & Relevant Virginia-Life-Annuities-and-Health-Insurance Answers

Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Latest Test Practice & Relevant Virginia-Life-Annuities-and-Health-Insurance Answers

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Relevant Virginia-Life-Annuities-and-Health-Insurance Answers & Virginia-Life-Annuities-and-Health-Insurance Test Pdf

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

NEW QUESTION # 32
All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:

  • A. Twenty-four hour access to emergency care
  • B. Outpatient medical services
  • C. Discounts on local health spa memberships
  • D. Wellness programs

Answer: C

Explanation:
Virginia Code § 38.2-4306 mandates HMO benefits, focusing on comprehensive care. Option A (wellness programs) is common, promoting prevention (e.g., smoking cessation). Option C (24-hour emergency care) is required, ensuring access via PCP coordination or direct ER services. Option D (outpatient services) is standard, covering clinic visits. Option B (discounts on local health spa memberships) isn't a typical HMO feature; while some plans offer wellness incentives, spa discounts are ancillary, not a core benefit under Virginia law or NAIC HMO models. The study guide likely lists HMO staples (A, C, D) with examples-e.g., annual checkups (D)-contrasting them with optional perks like B, making it the exception.


NEW QUESTION # 33
To be complete, an application for health insurance must contain all of the following EXCEPT:

  • A. Initial premium
  • B. Applicant's name and address
  • C. Date of application
  • D. Applicant's signature

Answer: A

Explanation:
Virginia Code § 38.2-3501 requires health insurance applications to include essential details for underwriting and contract formation: the applicant's name and address (option A), signature (option B) to affirm accuracy, and date (option C) to establish timing. These are mandatory for a complete application. Option D (initial premium) is not required on the application itself; while payment may accompany it to bind coverage (e.g., via a conditional receipt), it's a separate transaction, not an application component. The study guide likely lists these elements in a sample application, noting that premium submission is optional until acceptance, making D the exception.


NEW QUESTION # 34
On an application for individual health insurance, all of the following are typically included on the agent's report EXCEPT:

  • A. Agent's relationship to the applicant
  • B. Applicant's financial status
  • C. Applicant's general character
  • D. Applicant's signature

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* The agent's report includes the agent's observations, such as relationship to the applicant (A), financial status (B), and general character (C), to aid underwriting.
* The applicant's signature (D) is on the application itself, not the agent's separate report.
The Virginia study guide specifies that the agent's report supplements the application with the agent's insights, while the applicant signs the main application, not the report. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Application Process."


NEW QUESTION # 35
The insurance with other insurers provision in an individual health insurance policy allows an insurer to pay benefits to the insureds on a pro-rata basis when the:

  • A. Insurer was not notified prior to the claim that the insured has other health coverage
  • B. Policy has entered into the grace period for premium payment
  • C. Policy is within 31 days of the renewal date
  • D. Insured has submitted claims in excess of $2,000 during the policy year

Answer: A

Explanation:
The "insurance with other insurers" provision, addressed in Virginia Code § 38.2-3514, is a coordination of benefits (COB) mechanism in individual health insurance policies designed to prevent over-insurance and duplicate payments when an insured has multiple policies covering the same loss. This provision allows the insurer to prorate benefits-paying a share based on the total coverage-when certain conditions are met.
Option C states that the insurer wasn't notified prior to the claim of other coverage, which triggers proration.
This aligns with standard COB rules: if the insurer isn't informed of other policies, it may assume primary liability initially but adjust to a pro-rata share upon discovery, ensuring equitable payment across insurers.
Option A (within 31 days of renewal) is irrelevant; renewal proximity doesn't affect benefit coordination.
Option B (grace period) relates to premium payment timing, not other insurance, and doesn't trigger proration.
Option D ($2,000 claim threshold) is arbitrary and not a standard condition in Virginia law or study materials for this provision. The study guide likely emphasizes notification as key to COB, as Virginia follows NAIC model regulations requiring disclosure of other coverage (e.g., via application or claim forms). Without prior notice, the insurer applies proration retroactively, making C the correct choice.


NEW QUESTION # 36
All of the following are underwriting criteria for individual life insurance EXCEPT:

  • A. Gender
  • B. Occupation
  • C. Religion
  • D. Ability to pay premiums

Answer: C

Explanation:
Virginia Code § 38.2-3107 governs life insurance underwriting, where insurers assess risk using factors like gender (option A, affecting mortality rates), occupation (option C, e.g., hazardous jobs increase risk), and ability to pay premiums (option D, ensuring policy sustainability). Option B (religion) is not a permissible criterion; Virginia Code § 38.2-211 prohibits unfair discrimination in insurance based on religion, race, or other protected traits, reflecting federal and state anti-discrimination laws. The study guide likely explains underwriting with examples-e.g., higher premiums for a male firefighter-but flags religion as an illegal factor, with case studies of compliance, making B the exception.


NEW QUESTION # 37
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