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Pass Guaranteed Newest Virginia-Life-Annuities-and-Health-Insurance - Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Test Vce Free

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q56-Q61):

NEW QUESTION # 56
An agent or insurer who unknowingly violates insurance laws may be charged a maximum penalty of:

A. $1,000 per occurrence, with a cap of $10,000
B. $750 per occurrence, with a cap of $10,000
C. $500 per occurrence, with a cap of $10,000
D. $1,500 per occurrence, with a cap of $10,000

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* For unintentional violations in Virginia, the maximum penalty is $1,000 per occurrence, with an aggregate cap of $10,000 (C), per state insurance regulations.
* Options A, B, and D deviate from this standard penalty structure.
The Virginia study guide, per Virginia Code, sets unintentional violation penalties at up to $1,000 per act, with a $10,000 total cap, escalating for willful violations. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Penalties and Enforcement."

NEW QUESTION # 57
All of the following are elements of an insurable risk EXCEPT:

A. An ability to measure the loss
B. A large number of similar units
C. Accidental loss
D. Speculative risk

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* Insurable risks require accidental loss (B), a large number of similar exposure units (C), and measurable loss (D) to allow statistical predictability and premium calculation.
* Speculative risk (A), like gambling or business ventures, involves potential gain or loss and is not insurable, as insurance covers only pure risk (loss only).
The Virginia study guide distinguishes pure risk (insurable) from speculative risk (uninsurable), listing accidental, measurable, and widespread exposure as key criteria. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Risk and Insurance."

NEW QUESTION # 58
When a small employer health insurance plan is offered, it must be available:

A. To all eligible employees after a 12-month waiting period
B. Only to employees under age 65
C. Only to employees who provide evidence of insurability
D. To all eligible employees who apply

Answer: D

Explanation:
Virginia Code § 38.2-3431 et seq., aligned with the ACA, requires small employer health plans (1-50 employees) to offer coverage to all eligible employees who apply, without discrimination based on health status or other factors. "Eligible" typically means full-time employees meeting the employer's criteria (e.g.,
30+ hours/week). Option A reflects this guaranteed issue mandate, ensuring broad access. Option B (12- month waiting period) is false; Virginia and federal law cap waiting periods at 90 days (Virginia Code § 38.2-
3445), not 12 months. Option C (evidence ofinsurability) contradicts guaranteed issue rules for small groups, which prohibit medical underwriting. Option D (under age 65) is incorrect; coverage extends to all eligible employees regardless of age, though Medicare coordination may apply post-65. The study guide likely stresses this inclusivity as a cornerstone of small group market reforms, making A the correct answer.

NEW QUESTION # 59
If an agent misleads or fails to adequately disclose the title and true nature of a policy offered to a potential insured, it may be considered:

A. Unfair discrimination
B. Misrepresentation
C. Coercion
D. Defamation

Answer: B

Explanation:
Virginia Code § 38.2-502 defines misrepresentation as an unfair practice, where an agent misstates or omits key policy details (e.g., calling a term policy "permanent") to mislead the insured. OptionC fits this legal breach. Option A (defamation) involves false reputational harm, not policy sales. Option B (unfair discrimination, § 38.2-211) involves unequal treatment, not misrepresentation. Option D (coercion) implies force, not deception. The study guide likely warns of misrepresentation penalties-e.g., an agent fined for hiding exclusions-making C the applicable violation.

NEW QUESTION # 60
Including a guaranteed insurability rider on a life insurance policy means that:

A. The company will require evidence of insurability for any future purchase of life insurance.
B. The policyowner may purchase additional life insurance periodically without proving insurability.
C. Any extra premium charged for a health impairment will be discontinued if standard insurability is proved later.
D. The original policy was sold on a non-medical basis.

Answer: B

Explanation:
Virginia Code § 38.2-3209 allows a guaranteed insurability rider, enabling the policyowner to buy additional coverage at specified intervals (e.g., every 3 years or life events like marriage) without proving insurability.
Option D matches this definition. Option A is unrelated; non-medical underwriting isn't implied. Option B contradicts the rider's purpose, which waives insurability proof. Option C is false; premium adjustments aren' t part of this rider. The study guide describes this rider as a planning tool for future needs, confirming D.

NEW QUESTION # 61
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