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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q31-Q36):

NEW QUESTION # 31
All changes and corrections made to an application for health insurance by an agent must be initialed by the:

A. Agent
B. Insurance company underwriter
C. Applicant
D. Applicant's physician

Answer: C

Explanation:
Virginia Code § 38.2-3501 governs health insurance applications, requiring accuracy and applicant consent.
Changes or corrections by an agent (e.g., fixing a misspelled name) must be initialed by the applicant (option B) to verify agreement, as the application becomes part of the contract (Virginia Code § 38.2-3503). Option A (agent) initialing alone risks unauthorized alterations. Option C (physician) is irrelevant; medical input isn't standard for application edits. Option D (underwriter) assesses, not corrects, applications post-submission.
The study guide likely stresses this consumer protection rule, with examples-e.g., an agent correcting a birthdate, initialed by the applicant-ensuring transparency, making B the correct party.

NEW QUESTION # 32
When an HIV test is requested by a health insurer, who signs the consent form?

A. The applicant's physician
B. The medical laboratory technician
C. The applicant
D. The insurance agent

Answer: C

Explanation:
Virginia Code § 38.2-600 requires written consent for HIV testing in insurance underwriting, signed by the applicant (option A) to comply with privacy laws (e.g., Virginia Code § 32.1-36.1). This ensures the individual authorizes the test, protecting their rights. Option B (physician) may order tests but doesn't consent for insurance. Option C (agent) facilitates but can't consent. Option D (technician) performs the test, not authorizes it. The study guide likely stresses this consent process in a privacy section, with examples of applicants signing before blood draws, making A the correct party.

NEW QUESTION # 33
One feature that distinguishes a continuous premium whole life policy from a limited payment whole life policy is:

A. The length of time premiums will be paid
B. The settlement options available
C. The form in which dividends are paid
D. The mortality table from which premiums are calculated

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* A continuous premium whole life policy requires premiums for the insured's lifetime (A), while a limited payment policy has a set payment period (e.g., 20 years).
* Settlement options (B), mortality tables (C), and dividends (D) are similar across both types.
The Virginia study guide distinguishes continuous premium whole life (lifelong payments) from limited payment whole life (fixed-term payments), both providing permanent coverage. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Whole Life Insurance."

NEW QUESTION # 34
The interest that an insurance company earns on life insurance premiums paid helps to:

A. Increase the mortality rate
B. Decrease the mortality rate
C. Increase the life insurance premium rate
D. Decrease the life insurance premium rate

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* Life insurance premiums are calculated based on three factors: mortality (death rates), interest (investment earnings), and expenses (operating costs).
* When an insurer earns interest on premiums invested, it increases the funds available to pay claims, reducing the amount needed from policyholders.
* This results in a decrease in the premium rate (C), as higher interest earnings offset the cost of coverage.
* Option A (increase premium rate) would occur if interest earnings decreased.
* Options B and D (mortality rate changes) are unrelated to interest, as mortality is a statistical factor, not a financial one.
The Virginia study guide explains that interest earned on premiums is a key component of pricing life insurance, allowing insurers to lower premium rates when investment returns are favorable. Reference:
Virginia Life, Annuities, and Health Insurance study guide, section on "Premium Determination."

NEW QUESTION # 35
When a Medicare Supplement policy is purchased during the open enrollment period:

A. The policy must be issued regardless of health status
B. The exclusions may be more numerous than usual
C. The premium cost may be higher than usual
D. The benefits may be lower than usual

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* The Medicare Supplement open enrollment period (6 months starting the first month a person is 65 and enrolled in Medicare Part B) guarantees issuance of a policy without regard to health status (D).
* Premiums (A), benefits (B), and exclusions (C) are standardized and not altered during this period due to health.
The Virginia study guide states that during the Medicare Supplement open enrollment, insurers must issue policies without medical underwriting, ensuring access regardless of health. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Supplement Insurance."

NEW QUESTION # 36
......

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Get latest Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Prepare Torrent Pass the Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Exam in the First Attempt - PassTorrent

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q31-Q36):

Virginia-Life-Annuities-and-Health-Insurance Exam Torrent: Virginia Life, Annuities, and Health Insurance Examination Series 11-01 - Virginia-Life-Annuities-and-Health-Insurance Prep Torrent & Virginia-Life-Annuities-and-Health-Insurance Test Braindumps

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