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The designation of a beneficiary by class in a life insurance policy means that:
A. A primary beneficiary cannot be designated in the policy
B. The policy must be a form of business life insurance
C. Individual beneficiaries are not specified by name
D. The beneficiaries are unrelated to the insured
正解：C
解説：
Detailed Answer in Step-by-Step Solution:
* Designating a beneficiary "by class" means identifying a group (e.g., "my children") rather than naming specific individuals (C).
* Option A (business life insurance) is unrelated to class designation.
* Option B (no primary beneficiary) is incorrect; a class can still be primary.
* Option D (unrelated beneficiaries) is not a requirement of class designation.
The Virginia study guide notes that a class designation identifies beneficiaries by a category (e.g., "spouse" or
"heirs") rather than specific names, offering flexibility. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Beneficiary Designations."
質問 # 347
(What factor allows some level term policies to provide level premiums?)
A. Evidence of insurability is required each year
B. Premiums are averaged over the term of the policy
C. An additional lump-sum premium is due the first year
D. The face amount of the policy decreases annually
正解：B
解説：
Level term life insurance provides a fixed premium for a specified period, even though the risk of death increases as the insured ages. This is possible because premiums are averaged over the term of the policy.
In the early years, the insured pays more than the actual mortality cost, while in later years the cost of insurance exceeds the premium paid. This averaging mechanism allows the premium to remain level throughout the term.
Evidence of insurability is not required annually, the face amount does not necessarily decrease, and no additional lump-sum premium is required. Virginia exam materials consistently emphasize premium averaging as the reason level premiums are possible, making option D correct.
質問 # 348
(All of the following are characteristics of term life insurance EXCEPT
A. Decreasing or level face amounts
B. Low initial cost of protection
C. Temporary protection
D. Increasing cash values
正解：D
解説：
Term life insurance provides coverage for a specified period of time and is designed to offer pure death benefit protection without a savings or investment component. One of its defining characteristics is that it does not accumulate cash value. Term policies offer temporary protection and may have level or decreasing face amounts, depending on the policy design. They are also known for having a low initial cost compared to permanent life insurance, making them attractive for short-term needs such as income replacement or debt coverage. Because term life insurance does not build cash value, there is no opportunity for increasing cash values over time. Therefore, increasing cash values is not a characteristic of term life insurance and is the correct exception.
質問 # 349
In disability income insurance, when it can be shown that an individual would NOT suffer a substantial loss of income upon becoming disabled, an insurer will usually:
A. Decline to issue coverage
B. Issue coverage at a preferred rate
C. Issue coverage at a standard rate
D. Issue coverage at a minimum rate
正解：A
解説：
Disability income insurance requires insurable interest based on potential income loss. If no substantial loss would occur, underwriting guidelines permit the insurer to decline coverage. Exact extract: "Disability income protection shall not be issued where no substantial loss of earned income would result from disability." Reference:
質問 # 350
Which annuity promises benefits that continue for life, but expires without value at the annuitant's death?
A. A life annuity with period certain
B. A straight life annuity
C. An annuity certain
D. A temporary annuity
正解：B
解説：
A straight life annuity pays income until death, with no further payments to beneficiaries. Exact extract: "Straight life annuities provide income for the life of the annuitant only; payments cease upon death with no refund." This option offers the maximum periodic income but no residual value.
Reference:
