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Virginia-Life-Annuities-and-Health-Insurance최고덤프샘플, Virginia-Life-Annuities-and-Health-Insurance최신버전덤프자료

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최신 Virginia Insurance License Virginia-Life-Annuities-and-Health-Insurance 무료샘플문제 (Q77-Q82):

질문 # 77
The designation of a beneficiary by class in a life insurance policy means that:

A. The policy must be a form of business life insurance
B. Individual beneficiaries are not specified by name
C. The beneficiaries are unrelated to the insured
D. A primary beneficiary cannot be designated in the policy

정답：B

설명：
Detailed Answer in Step-by-Step Solution:
* Designating a beneficiary "by class" means identifying a group (e.g., "my children") rather than naming specific individuals (C).
* Option A (business life insurance) is unrelated to class designation.
* Option B (no primary beneficiary) is incorrect; a class can still be primary.
* Option D (unrelated beneficiaries) is not a requirement of class designation.
The Virginia study guide notes that a class designation identifies beneficiaries by a category (e.g., "spouse" or
"heirs") rather than specific names, offering flexibility. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Beneficiary Designations."

질문 # 78
When a health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?

A. The patient or parent of the patient
B. The insurer
C. The premium payor
D. The principal insured individual

정답：B

설명：
Detailed Answer in Step-by-Step Solution:
* If a health insurer requires a physical exam (e.g., for underwriting or claims), the insurer pays the cost (D), as it's their condition for coverage or payment.
* The premium payor (A), insured (B), or patient (C) aren't responsible for insurer-mandated exams.
The Virginia study guide specifies that insurer-required exams, such as for contesting claims, are at the insurer's expense, per the physical examination provision. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Policy Provisions."

질문 # 79
In general practice, which one of the following is true of the powers of the Bureau of Insurance withrespect to access to an agent's business records?

A. Authorization must come from the National Association of Insurance Commissioners (NAIC)
B. Records can only be accessed by an order of a state court
C. Records must be produced upon the request of the Bureau of Insurance
D. The Bureau of Insurance has no right to access an agent's business records because of privacy considerations

정답：C

설명：
Detailed Answer in Step-by-Step Solution:
* The Virginia Bureau of Insurance has authority to request and review an agent's business records (C) to ensure compliance with state laws, without requiring a court order (A) or NAIC approval (B).
* Option D (no access) is false; regulatory oversight overrides privacy in this context.
The Virginia study guide confirms that the Bureau of Insurance can demand records as part of its regulatory powers under Virginia insurance law, ensuring market conduct compliance. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Insurance Regulation."

질문 # 80
All of the following statements about universal life insurance are true EXCEPT:

A. Death benefits are taxed as ordinary income
B. The policy stipulates the amount that will be used for company expenses
C. Policy loans affect the amount of interest credited to the policy cash value
D. A mortality charge is subtracted from the cash value accumulations each month

정답：A

설명：
Universal life (Virginia Code § 38.2-3113.1) features: Option A is true; a mortality charge funds the death benefit, deducted monthly from cash value. Option B is true; expense charges are disclosed (e.g., admin fees).
Option D is true; loans reduce the cash value earning interest. Option C is false; death benefits are generally tax-free under IRC § 101(a)(1), not ordinary income, unless an exception (e.g., transfer for value) applies, which isn't standard. The study guide likely contrasts universal life mechanics-e.g., $50 monthly mortality charge-with tax-free benefits, making C the exception.

질문 # 81
Unless an insured has made fraudulent statements on the application for individual health coverage, subsequent claims may not be denied under the provision for:

A. Grace period
B. Legal actions
C. Time limit on certain defenses
D. Time payment of claims

정답：C

설명：
Detailed Answer in Step-by-Step Solution:
* The "time limit on certain defenses" provision (B), often tied to incontestability, limits the insurer's ability to deny claims based on application errors after a period (e.g., 2 years), unless fraud is proven.
* Legal actions (A) governs lawsuits, grace period (C) covers premium delays, and time payment of claims (D) sets claim payment deadlines-none relate to application defenses.
The Virginia study guide explains that the time limit on certain defenses provision protects insureds by restricting post-issuance claim denials after a contestable period, absent fraud. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Policy Provisions."

질문 # 82
......

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