100% PASS QUIZ MARVELOUS VIRGINIA INSURANCE STUDY VIRGINIA-LIFE-ANNUITIES-AND-HEALTH-INSURANCE MATERIAL

100% Pass Quiz Marvelous Virginia Insurance Study Virginia-Life-Annuities-and-Health-Insurance Material

100% Pass Quiz Marvelous Virginia Insurance Study Virginia-Life-Annuities-and-Health-Insurance Material

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Virginia Insurance dumps are designed according to the Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance certification exam standard and have hundreds of questions similar to the actual Virginia-Life-Annuities-and-Health-Insurance exam. VCEDumps Virginia Life, Annuities, and Health Insurance Examination Series 11-01 (Virginia-Life-Annuities-and-Health-Insurance) web-based practice exam software also works without installation. It is browser-based; therefore no need to install it, and you can start practicing for the Virginia Life, Annuities, and Health Insurance Examination Series 11-01 (Virginia-Life-Annuities-and-Health-Insurance) exam by creating the Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance practice test.

You can directly refer our Virginia-Life-Annuities-and-Health-Insurance study materials to prepare the exam. Once the newest test syllabus is issued by the official, our experts will quickly make a detailed summary about all knowledge points of the real Virginia-Life-Annuities-and-Health-Insurance exam in the shortest time. All in all, our Virginia-Life-Annuities-and-Health-Insurance Exam Quiz will help you grasp all knowledge points. Not only our professional expert have simplified the content of the subject for you to understand fully, but also our Virginia-Life-Annuities-and-Health-Insurance practice guide will help you pass the exam smoothly.

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2025 Newest Virginia Insurance Study Virginia-Life-Annuities-and-Health-Insurance Material

With the Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance certification exam you will get an opportunity to learn new and in-demand skills. In this way, you will stay updated and competitive in the market and advance your career easily. To do this you just need to pass the Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Virginia-Life-Annuities-and-Health-Insurance Certification Exam.

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q132-Q137):

NEW QUESTION # 132
An insured died six months after a life insurance policy was issued. The full death benefit will NOT be paid if the cause of death was:

  • A. Accidental injury
  • B. Suicide
  • C. Lung cancer
  • D. Heart attack

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Life insurance policies typically include a two-year suicide clause; if the insured dies by suicide within this period (e.g., six months), the insurer pays only a refund of premiums, not the full death benefit (C).
* Options A (accidental injury), B (lung cancer), and D (heart attack) are covered causes, barring misrepresentation or exclusions, within the first two years.
The Virginia study guide notes that the suicide provision limits payment to premiums paid if suicide occurs within two years of issuance, protecting insurers from early intentional loss. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Life Insurance Policy Provisions."


NEW QUESTION # 133
False advertising regarding insurance policies would be found in all of the following EXCEPT:

  • A. Past dividends paid on a policy being exaggerated
  • B. An insurance policy being represented as a share of stock
  • C. Benefits under a policy being misrepresented
  • D. Policy benefits being compared with a competitor's

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* False advertising includes exaggerating dividends (A), misrepresenting benefits (B), or claiming a policy is a stock (C), all deceptive practices.
* Comparing benefits with a competitor (D) is permissible if accurate and not misleading, thus not inherently false advertising.
The Virginia study guide, per state law, prohibits deceptive advertising but allows factual comparisons with competitors, provided they are truthful. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Unfair Trade Practices."


NEW QUESTION # 134
All of the following factors influence the underwriting of group health insurance for an association EXCEPT:

  • A. The average age of the membership
  • B. Prior claims experience of the association
  • C. Marital status of the members
  • D. Type of trade or occupation of the association's members

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Group health underwriting considers average age (A), claims history (B), and occupation type (D) to assess risk, but marital status (C) is typically irrelevant for group policies, unlike individual underwriting.
The Virginia study guide notes that group underwriting focuses on collective risk factors like age, claims experience, and occupation, not personal details like marital status. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Group Insurance Underwriting."


NEW QUESTION # 135
Which is true about disability buy-sell insurance policies?

  • A. The policy proceeds are normally received income tax-free
  • B. The policyowner may not be the beneficiary
  • C. The premiums are tax-deductible
  • D. The insurer pays the benefits to the disabled individual

Answer: A

Explanation:
Disability buy-sell insurance funds a business partner's buyout if one becomes disabled, per Virginia Code §
38.2-3100 et seq. Option C is true; proceeds are typically tax-free under IRC § 104(a)(3) as insurance benefits, not income, if premiums aren't deducted. Option A is false; the policyowner (e.g., a partner or business) is often the beneficiary to fund the buyout. Option B is false; benefits go to the business or partner, not the disabled individual, who may receive separate disability income coverage. Option D is false; premiums aren't tax-deductible (IRC § 265), preserving tax-free proceeds. The study guide likely explains this with scenarios-e.g., $500,000 paid tax-free to buy out a disabled partner-highlighting tax treatment, making C the true statement.


NEW QUESTION # 136
An insurance company writing business in a state other than the one in which it is domiciled is called:

  • A. A captive insurer
  • B. A domestic insurer
  • C. A foreign insurer
  • D. An alien insurer

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* A foreign insurer (A) is an insurance company operating in a state other than its state of domicile (where it is incorporated).
* A domestic insurer (B) operates in its home state. An alien insurer (C) is domiciled outside the U.S. A captive insurer (D) insures its parent company, not based on location.
The Virginia study guide defines a foreign insurer as one licensed to do business in Virginia but incorporated in another state, per insurance regulatory terminology. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Insurance Company Types."


NEW QUESTION # 137
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