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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q16-Q21):

NEW QUESTION # 16
Which is a lawful cause for cancellation of an individual long-term care insurance policy by the insurer?

A. Insurer insolvency
B. Nonpayment of premium
C. Medicaid eligibility
D. Nuisance claims

Answer: B

Explanation:
Virginia Code § 38.2-5208 allows LTC policy cancellation by the insurer for nonpayment of premium (option A) after a 31-day grace period and notice, a standard contract right. Option B (Medicaid eligibility) isn't a cancellation cause; it may coordinate benefits, not terminate coverage. Option C (insurer insolvency) affects payment ability, not lawful cancellation grounds. Option D (nuisance claims) isn't a legal basis; claims frequency doesn't void coverage unless fraudulent (Virginia Code § 38.2-309). The study guide likely lists nonpayment as the primary insurer-initiated cancellation reason, with examples like missed payments triggering notice, making A the lawful cause.

NEW QUESTION # 17
Who normally bears the cost of excess charges in a Medicare claim?

A. The service provider
B. The Social Security Administration
C. The insured
D. The Centers for Medicare & Medicaid Services

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Excess charges in Medicare occur when a provider charges more than the Medicare-approved amount, and the insured (D) is responsible for the difference unless covered by supplemental insurance.
* The Social Security Administration (A) and CMS (B) administer Medicare, not pay claims.
* Providers (C) may charge excess but don't absorb it unless they accept assignment.
The Virginia study guide explains that Medicare beneficiaries bear excess charges unless a provider accepts Medicare assignment or a Medigap policy covers them. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Basics."

NEW QUESTION # 18
Under which type of policy are benefit payments treated as taxable income?

A. Key person disability income
B. Disability buy-sell
C. Individual disability income
D. Business overhead expense

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Individual disability income (C) benefits are taxable if the insured paid premiums with pre-tax dollars (e.g., employer-paid), but tax-free if paid with after-tax dollars. The question implies taxable benefits, typical when premiums are deductible.
* Business overhead expense (A), disability buy-sell (B), and key person disability (D)benefits are generally tax-free to the business or recipient, as premiums are not deductible.
The Virginia study guide, per IRS rules, states that individual disability income benefits are taxable if premiums were paid pre-tax (e.g., by an employer), unlike business-related disability policies where benefits serve specific tax-exempt purposes. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Taxation of Insurance Benefits."

NEW QUESTION # 19
The interest that an insurance company earns on life insurance premiums paid helps to:

A. Decrease the life insurance premium rate
B. Increase the life insurance premium rate
C. Decrease the mortality rate
D. Increase the mortality rate

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Life insurance premiums are calculated based on three factors: mortality (death rates), interest (investment earnings), and expenses (operating costs).
* When an insurer earns interest on premiums invested, it increases the funds available to pay claims, reducing the amount needed from policyholders.
* This results in a decrease in the premium rate (C), as higher interest earnings offset the cost of coverage.
* Option A (increase premium rate) would occur if interest earnings decreased.
* Options B and D (mortality rate changes) are unrelated to interest, as mortality is a statistical factor, not a financial one.
The Virginia study guide explains that interest earned on premiums is a key component of pricing life insurance, allowing insurers to lower premium rates when investment returns are favorable. Reference:
Virginia Life, Annuities, and Health Insurance study guide, section on "Premium Determination."

NEW QUESTION # 20
In addition to the applicant, who signs an application for health insurance?

A. The inspection company representative
B. The applicant's dependents
C. The agent
D. The applicant's spouse

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* The health insurance application is signed by the applicant (who provides personal info) and the agent (D), who certifies the information's accuracy and their role in the process.
* The spouse (A) or dependents (B) don't sign unless they're co-applicants. An inspection representative (C) is not involved in the application process.
The Virginia study guide specifies that the agent signs the application alongside the applicant to verify the submission and their involvement, per standard industry practice. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Application Process."

NEW QUESTION # 21
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Tom Tate Tom Tate

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