VISUAL VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE CERT EXAM & NEW VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE TEST REGISTRATION

Visual Virginia-Life-Annuities-and-Health-Insurance Cert Exam & New Virginia-Life-Annuities-and-Health-Insurance Test Registration

Visual Virginia-Life-Annuities-and-Health-Insurance Cert Exam & New Virginia-Life-Annuities-and-Health-Insurance Test Registration

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q95-Q100):

NEW QUESTION # 95
When may a person insured under a group term insurance policy exercise the conversion option?

  • A. Never, because group life insurance does not have a conversion privilege
  • B. Within 31 days after the person has terminated employment
  • C. Anytime while insurable and still a member of the insured group
  • D. Anytime after the group contract has existed for five years

Answer: B

Explanation:
Virginia Code § 38.2-3330 mandates a conversion privilege in group term life policies, allowing insureds to convert to an individual policy without evidence of insurability within 31 days after losing group eligibility (e.
g., employment termination). Option C matches this precisely. Option A is false; conversion is a legal requirement. Option B is incorrect; conversion applies post-eligibility, not during active membership while still insurable. Option D (five years) is arbitrary and unsupported by law. The study guide likely details this
31-day window with examples-e.g., an employee converting to whole life after layoffs-emphasizing its protective role, making C the correct timing.


NEW QUESTION # 96
The voluntary act of terminating an insurance contract is called:

  • A. Finalization
  • B. Cancellation
  • C. Elimination
  • D. Rejection

Answer: B

Explanation:
Cancellation, per Virginia Code § 38.2-3106 (life) and § 38.2-3508 (health), is the voluntary termination of a policy by the insured or insurer. Options A, B, and C aren't standard terms for this action in Virginia insurance law. The study guide defines cancellation as a deliberate act, distinct from lapse (nonpayment) or nonrenewal, making D the correct term.


NEW QUESTION # 97
When an HIV test is requested by a health insurer, who signs the consent form?

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

Answer: A

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 # 98
What is the agent's primary role in underwriting life insurance?

  • A. Assuring that the application provides proper information to the insurer
  • B. Securing information from the Medical Information Bureau
  • C. Issuing the policy if all underwriting information is satisfactory
  • D. Binding coverage immediately without home office approval

Answer: A

Explanation:
In the underwriting process for life insurance, as governed by Virginia Code § 38.2-1800 et seq., the agent's primary role is to act as a field underwriter, ensuring the application provides accurate and complete information to the insurer (option A). This includes collecting personal data (e.g., age, health history) and verifying its correctness-e.g., asking about smoking habits or past surgeries-to enable the home office underwriter to assess risk properly. Option B (binding coverage immediately) is incorrect; agents typically lack authority to bind life insurance without insurer approval, unlike some property/casualty lines, unless a conditional receipt with premium is issued (Virginia Code § 38.2-3106), which isn't "immediate" or primary.
Option C (issuing the policy) is false; only the insurer's home office issues policies after underwriting approval, not the agent. Option D (securing MIB information) is an underwriter's task; agents don't directly access the Medical Information Bureau-though they may note MIB codes if disclosed, their role is data collection, not retrieval. The study guide likely emphasizes the agent's frontline duty with examples-e.g., ensuring a 45-year-old applicant discloses diabetes-making A the primary role, aligning with Virginia's agency framework where agents facilitate, not finalize, underwriting.


NEW QUESTION # 99
For an AD&D policy with an irrevocable beneficiary designation, a change in the beneficiary can ONLY be made:

  • A. When an absolute assignment is attached to the policy
  • B. With the consent of both the policyowner and the beneficiary
  • C. Upon the death of the current beneficiary
  • D. At the time of policy renewal

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* An irrevocable beneficiary has a vested interest, and the policyowner cannot change the designation without their consent unless the beneficiary dies (C), at which point the owner regains control.
* Option A (renewal) and B (assignment) don't override irrevocability. Option D (consent) is true for living beneficiaries, but "ONLY" restricts it to death in this context.
The Virginia study guide notes that an irrevocable beneficiary's rights persist until death, after which the policyowner can freely change the designation. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Beneficiary Designations."


NEW QUESTION # 100
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