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[General] Latest Virginia-Life-Annuities-and-Health-Insurance Questions | Online Virginia-

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【General】 Latest Virginia-Life-Annuities-and-Health-Insurance Questions | Online Virginia-

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q122-Q127):NEW QUESTION # 122
What type of insurance pays a lump sum benefit if an insured loses sight in both eyes?
  • A. Major medical
  • B. Medical expense
  • C. Accidental death and dismemberment
  • D. Hospital expense
Answer: C
Explanation:
Detailed Answer in Step-by-Step Solution:
* Accidental death and dismemberment (AD&D) insurance (B) provides a lump sum benefit for specific losses, such as loss of sight in both eyes, due to an accident.
* Hospital expense (A) covers hospital stays, not lump sums for dismemberment.
* Major medical (C) and medical expense (D) cover healthcare costs, not specific injury benefits.
The Virginia study guide describes AD&D as providing lump sum payments for accidental death or specific injuries like loss of sight, distinct from medical expense coverage. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Types."

NEW QUESTION # 123
Which of the following statements is true regarding an insurance agent's license?
  • A. It must be renewed annually.
  • B. A separate license must be issued for each insurer the agent represents.
  • C. The license fee is paid to the insurance company.
  • D. It authorizes the agent to transact insurance until otherwise terminated, suspended, or revoked.
Answer: D
Explanation:
In Virginia, an insurance agent's license is governed by the State Corporation Commission's Bureau of Insurance under Title 38.2 of the Virginia Code. According to Virginia Code § 38.2-1819, once issued, the license authorizes the agent to transact insurance business on behalf of appointed insurers until it is terminated, suspended, or revoked by the Bureau. The license fee is paid to the Bureau of Insurance, not the insurance company (Virginia Code § 38.2-1818), making option A incorrect. Virginia Code § 38.2-1822 specifies that licenses are renewed biennially (every two years), not annually, rendering option C false.
Finally, Virginia Code § 38.2-1833 clarifies that an agent needs only one license but must secure an appointment for each insurer they represent, not a separate license per insurer, making option D incorrect.
Option B is the only statement consistent with Virginia law, reflecting the license's ongoing authority unless altered by regulatory action.

NEW QUESTION # 124
All changes and corrections made to an application for health insurance by an agent must be initialed by the:
  • A. Applicant
  • B. Applicant's physician
  • C. Agent
  • D. Insurance company underwriter
Answer: A
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 # 125
The unwritten authority of an agent to perform incidental acts necessary to fulfill the purpose of the agency agreement is:
  • A. Express authority
  • B. Mandated authority
  • C. Nonexistent
  • D. Implied authority
Answer: D
Explanation:
The concept of agency authority is foundational in Virginia insurance law, derived from general agency principles and reflected in Title 38.2, Chapter 18. Express authority is explicitly granted in the agency agreement (e.g., soliciting and binding coverage), per Virginia Code § 38.2-1800 et seq. Implied authority, however, is not written but assumed to be necessary for carrying out express duties-such as scheduling client meetings or collecting initial premiums-unless restricted by the insurer. "Mandated authority" (option B) is not a recognized term in Virginia insurance regulations or study materials. Option C (express authority) is incorrect because it's explicitly stated, not unwritten. Option D (nonexistent) denies the presence of authority, which contradicts the question's premise. The Virginia Life, Annuities, and Health Insurance study guide likely highlights implied authority as a key concept for agents' day-to-day operations, making A the correct answer.

NEW QUESTION # 126
Replacement rules are designed primarily to protect the interest of the:
  • A. Policyowner
  • B. Insurer replacing a policy
  • C. Agent who sold the original policy
  • D. Insurer whose policy is being replaced
Answer: A
Explanation:
Replacement regulations are intended to safeguard the policyowner, ensuring they are fully informed of disadvantages, such as surrender charges or loss of benefits, before replacing an existing policy.
Exact Extract (Virginia Replacement Rules): "Replacement provisions are designed to protect the policyholder by requiring full disclosure of the implications of replacing an existing policy." Reference (Virginia Documents / Study Guide):
- Virginia Life Insurance Replacement Regulations (14VAC5-20-10 et seq.)

NEW QUESTION # 127
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