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[Hardware] Virginia-Life-Annuities-and-Health-Insurance実際試験 & Virginia-Life-Annuities-a

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【Hardware】 Virginia-Life-Annuities-and-Health-Insurance実際試験 & Virginia-Life-Annuities-a

Posted at yesterday 07:22      View：21 | Replies：0        Print      Only Author   [Copy Link] 1#
さらに、Japancert Virginia-Life-Annuities-and-Health-Insuranceダンプの一部が現在無料で提供されています：https://drive.google.com/open?id=1_tiYbiiI8EqsrMdykQ6w4RxlH1LTixLz
Virginia Insurance資格試験はそんなに難しいのですか？弊社の資料を利用したら、Virginia-Life-Annuities-and-Health-Insurance試験は簡単になります。お客様に最高のVirginia Insurance問題集を入手させるために、我々は常に問題集の質を改善し、ずっと最新の試験のシラバスに応じて問題集を更新しています。我々のVirginia-Life-Annuities-and-Health-Insurance問題集の解答を暗記すれば、お客様は必ずこの試験に合格することができます。
Virginia-Life-Annuities-and-Health-Insurance試験はIT業界でのあなたにとって重要な証明です。Virginia-Life-Annuities-and-Health-Insurance証明書があって、輝かしい未来が見えます。だから、あなたはこのように重要な試験二参加する必要があります。よく考えてVirginia Insurance試験に参加しましょう。皆様を支持するために、我々の提供するVirginia-Life-Annuities-and-Health-Insurance問題集は一番全面的で、的中率が高いです。我々は弊社のVirginia-Life-Annuities-and-Health-Insurance資料の100％の通過率を保証しています。
Virginia-Life-Annuities-and-Health-Insurance資格勉強、Virginia-Life-Annuities-and-Health-Insurance認定資格試験Virginia InsuranceのVirginia-Life-Annuities-and-Health-Insurance認定試験に受かる勉強サイトを探しているのなら、Japancertはあなたにとって一番良い選択です。Japancertがあなたに差し上げられるのはIT業種の最先端のスキルを習得したこととVirginia InsuranceのVirginia-Life-Annuities-and-Health-Insurance認定試験に合格したことです。この試験は本当に難しいことがみんなは良く知っていますが、試験に受かるのは不可能ではないです。自分に向いている勉強ツールを選べますから。Japancert のVirginia InsuranceのVirginia-Life-Annuities-and-Health-Insurance試験問題集と解答はあなたにとって一番良い選択です。Japancertのトレーニング資料は完全だけでなく、カバー率も高くて、高度なシミュレーションを持っているのです。これはさまざまな試験の実践の検査に合格したもので、Virginia InsuranceのVirginia-Life-Annuities-and-Health-Insurance認定試験に合格したかったら、Japancertを選ぶのは絶対正しいことです。
Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance 認定試験の出題範囲：
トピック出題範囲
トピック 1
  • Insurance for Senior Citizens and Special Needs Individuals: This domain covers Medicare Parts A-D, Medicare supplement insurance with standardized plans and Virginia regulations, other coverage options for Medicare-eligible individuals, and comprehensive long-term care insurance requirements.
トピック 2
  • Medical Plans: This domain examines medical insurance delivery systems including major medical, HMOs, PPOs, and POS plans, along with cost containment strategies, Virginia eligibility requirements, HIPAA provisions, and HSAs.
トピック 3
  • Health Insurance Basics: This domain introduces health insurance fundamentals including covered perils, types of benefits, policy classifications, limited policies, common exclusions, agent responsibilities, underwriting processes, and replacement considerations.
トピック 4
  • Annuities: This domain covers annuity principles, immediate versus deferred annuities, payment options, product types including fixed and variable annuities, and uses for retirement income and tax-deferred growth.
トピック 5
  • Life Insurance Basics: This domain covers insurable interest, personal and business uses of life insurance, methods for determining coverage amounts, policy classifications, premium determination factors, agent sales responsibilities, and the underwriting process.
トピック 6
  • Life Insurance Policies: This domain examines various life insurance products including term, whole life, universal life, specialized policies, and group life insurance, covering their characteristics, features, and appropriate applications.
トピック 7
  • Life Insurance Policy Provisions, Options and Riders: This domain addresses standard contract provisions, beneficiary designations, settlement options, nonforfeiture provisions, policy loans, dividend options, and riders including disability benefits and accelerated death benefits.
トピック 8
  • Qualified Plans: This domain addresses employer-sponsored retirement plans including qualification requirements, tax advantages, and various plan types such as SEPs, 401(k)s, and 403(b) plans.
トピック 9
  • Group Health Insurance: This domain covers group health insurance characteristics, eligible groups, underwriting criteria, employee and dependent eligibility, continuation of coverage under COBRA, and small employer plan requirements.
トピック 10
  • Disability Income and Related Insurance: This domain addresses disability income insurance including benefit qualifications, individual and group policy features, riders, underwriting considerations, business applications, and Social Security and workers compensation benefits.

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 認定 Virginia-Life-Annuities-and-Health-Insurance 試験問題 (Q407-Q412):質問 # 407
(Life insurance death proceeds are generally
  • A. Exempt from federal income tax
  • B. Subject to the cost recovery rule
  • C. Subject to the interest first rule
  • D. Deemed to be a transfer for value
正解：A
解説：
Under Virginia licensing standards and federal tax principles taught for the life insurance exam, life insurance death proceeds are generally exempt from federal income tax when paid to a beneficiary due to the insured's death. This long-standing rule is a fundamental advantage of life insurance and is frequently tested.
The transfer-for-value rule applies only in limited situations when a life insurance policy is sold or transferred for consideration, which is not the general rule for death benefits. The cost recovery rule and interest-first rule apply to annuities, not life insurance death proceeds. Therefore, options B, C, and D are incorrect.
This tax-free treatment allows beneficiaries to receive the full face amount without reduction for income taxes, making life insurance an effective financial protection and estate planning tool. While estate taxes may apply in certain high-value estates, income tax treatment remains favorable in most cases.

質問 # 408
At the request of a small group medical plan policyholder the insurer must disclose all of the following EXCEPT:
  • A. The insurer's expenses
  • B. The renewability provisions
  • C. The insurer's right to increase premium rates
  • D. All available benefits
正解：A
解説：
Virginia small-group medical insurance disclosure rules require insurers to inform policyholders of renewability provisions, available benefits, and rights related to premium rate increases. However, insurers are not required to disclose their business operating expenses. Exact extract: "At the request of the policyholder, the insurer shall disclose the insurer's right to increase premium rates, the renewability provisions, and all available benefits." Reference:

質問 # 409
An individual currently owns a long-term care policy. At the time of application for similar coverage, which item must be signed by the applicant and retained by the insurer?
  • A. A substitution notice
  • B. A replacement notice
  • C. A cancellation notice
  • D. A duplication notice
正解：B
解説：
Virginia Code § 38.2-5207.1 and 14VAC5-200-75 regulate replacement of long-term care (LTC) insurance, requiring a replacement notice when an applicant with existing coverage applies for a new policy that may replace it. This signed notice, provided to the applicant and retained by the insurer, ensures transparency about potential duplication or lapse of the original policy, protecting consumers from unintended coverage gaps or costs. Option C (replacement notice) fits this requirement. Option A (cancellation notice) relates to terminating a policy, not applying for a new one. Option B (substitution notice) isn't a standard term; "replacement" is the legal phrase. Option D (duplication notice) might imply overlap but lacks regulatory specificity. The study guide likely includes a sample replacement form, stressing its role in LTC sales compliance, confirming C as the correct choice.

質問 # 410
In the solicitation and sale of Medicare Supplement insurance policies, when must an agent deliver the buyer's guide?
  • A. Only when the solicitation involves replacement
  • B. Only when the purchaser is a first-time buyer
  • C. Prior to accepting any payment of premium
  • D. At the time of application
正解：D
解説：
Virginia requires that the Medicare Supplement Buyer's Guide be delivered at the time of application. This ensures applicants have all necessary information before purchase decisions.
Exact Extract (Virginia Medicare Supplement Regulations): "An outline of coverage and buyer's guide shall be provided to all applicants at the time of application." Reference (Virginia Documents / Study Guide):
- Virginia Administrative Code 14VAC5-170-150 (Disclosure requirements for Medicare Supplement policies)

質問 # 411
Which is an example of an endodontic service?
  • A. Dentures
  • B. Crowns
  • C. Root canals
  • D. Fillings
正解：C
解説：
Detailed Answer in Step-by-Step Solution:
* Endodontic services involve treatment of the tooth's interior (pulp and roots), with root canals (C) being a primary example.
* Crowns (A) and fillings (D) are restorative, not endodontic. Dentures (B) are prosthetic, unrelated to endodontics.
The Virginia study guide classifies root canals as an endodontic procedure, distinct from restorative or prosthetic dental services, per standard dental insurance definitions. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Dental Insurance."

質問 # 412
......
Virginia InsuranceのVirginia-Life-Annuities-and-Health-Insurance試験に合格するのは早ければ速いほどIT業界で発展られたいあなたにとってはよいです。あなたはこの重要な試験を準備するのは時間とお金がかかると聞いたことがあるかもしれませんが、それは我々提供するVirginia InsuranceのVirginia-Life-Annuities-and-Health-Insuranceソフトを利用しなかったからです。複雑な整理と分析の過程はもう我々に完了されました。あなたは高効率の復習とVirginia InsuranceのVirginia-Life-Annuities-and-Health-Insurance試験の成功を経験する必要があればいいです。
Virginia-Life-Annuities-and-Health-Insurance資格勉強: https://www.japancert.com/Virginia-Life-Annuities-and-Health-Insurance.html
P.S. JapancertがGoogle Driveで共有している無料かつ新しいVirginia-Life-Annuities-and-Health-Insuranceダンプ：https://drive.google.com/open?id=1_tiYbiiI8EqsrMdykQ6w4RxlH1LTixLz
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