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2025 Valid Virginia-Life-Annuities-and-Health-Insurance Exam Cram - Realistic Test Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Guide Online Pass Guaranteed Quiz

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q96-Q101):

NEW QUESTION # 96
Coverage under a cancelable health insurance policy may be terminated by:

A. The insured only
B. An arbitration committee
C. The insurer only
D. Either the insured or the insurer

Answer: D

Explanation:
Virginia Code § 38.2-3508 defines a cancelable health policy as one either party-the insured or insurer-can terminate before its term ends, with notice (e.g., 30 days). Option C reflects this mutual right. Option A (insurer only) and option B (insured only) are too restrictive; cancelable policies aren't unilateral. Option D (arbitration committee) isn't a standard mechanism; cancellation follows policy terms, not third-party rulings.
The study guide likely contrasts cancelable with non-cancelable policies, using examples like an insurer canceling for nonpayment or an insured canceling due to better rates, making C the correct scope.

NEW QUESTION # 97
Who usually selects the beneficiary of a life insurance policy?

A. The agent
B. The insurer
C. The beneficiary
D. The policyowner

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* The policyowner (A) has the right to designate the beneficiary, as they control the policy's terms and ownership rights.
* The insurer (B) issues the policy, the beneficiary (C) receives proceeds, and the agent (D) facilitates but doesn't decide.
The Virginia study guide confirms that the policyowner selects the beneficiary, exercising a fundamental ownership right, unless assigned otherwise. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Beneficiary Designations."

NEW QUESTION # 98
A spendthrift clause in a life insurance policy would have NO effect if the beneficiary receives the proceeds as:

A. Interest-only payments
B. One lump sum payment
C. Fixed period installments
D. Fixed amount installments

Answer: B

Explanation:
A spendthrift clause, permitted under Virginia Code § 38.2-3122, protects life insurance proceeds from creditors or the beneficiary's mismanagement by restricting access to the funds. It's effective when proceeds are paid in controlled installments (e.g., options A, B, C), as the insurer retains and distributes the money over time, preventing lump-sum dissipation. Option A (fixed amount installments) pays a set dollar amount periodically, option B (fixed period installments) pays over a set time, and option C (interest-only payments) holds the principal while paying interest-all compatible with spendthrift protection. Option D (one lump sum payment) delivers the full proceeds at once, bypassing the clause's control mechanism, rendering it ineffective since the beneficiary gains unrestricted access. The study guide likely explains this clause as a safeguard for structured payouts, noting that lump-sum elections nullify its purpose, as seen in Virginia case law and NAIC guidelines, making D the correct choice.

NEW QUESTION # 99
When a Medicare Supplement policy is purchased during the open enrollment period:

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

Answer: B

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 # 100
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 # 101
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Emily Fisher Emily Fisher

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