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Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Reliable Braindumps Files: Virginia Life, Annuities, and Health Insurance Examination Series 11-01 - LatestCram Helps you Prepare Easily

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q59-Q64):

NEW QUESTION # 59
False advertising regarding insurance policies would be found in all of the following EXCEPT:

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

Answer: C

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 # 60
Which is true about ownership of a deferred annuity contract?

A. An owner's rights take effect when the benefit payment phase begins
B. Ownership rights are neither transferable nor assignable
C. All of the participants in a group contract are part-owners
D. An owner may be the annuitant or the beneficiary or neither

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* In a deferred annuity, the owner (who purchases the contract) can be the annuitant (who receives payments), the beneficiary (who receives proceeds), or a third party (C).
* Option A (group contract) applies to group annuities, not individual ownership.
* Option B (non-transferable) is false; ownership can often be assigned.
* Option D (rights at payment phase) is incorrect; owners have rights during accumulation.
The Virginia study guide notes that deferred annuity ownership is flexible, allowing the owner to differ from the annuitant or beneficiary, with rights exercisable before payout. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Annuities."

NEW QUESTION # 61
Disability income insurance policies usually provide coverage for loss of income resulting from:

A. Disability resulting from war
B. Self-inflicted injuries
C. Accidental injuries
D. Injuries incurred while in military service

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Disability income insurance covers loss of income from accidental injuries (D), provided they aren't excluded.
* Self-inflicted injuries (A), military service injuries (B), and war-related disabilities (C) are standard exclusions in most policies.
The Virginia study guide specifies that disability income insurance pays for accidental or illness-related income loss, excluding self-inflicted, military, or war-related causes. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Disability Income Insurance."

NEW QUESTION # 62
What is a condition for which medical advice or treatment was recommended by or received from a provider of health care service within six months preceding the effective date of an individual long-term care policy?

A. Long-term care condition
B. Pre-existing condition
C. Covered illness
D. Pre-determined risk

Answer: B

Explanation:
Virginia Code § 38.2-5205 mandates that long-term care (LTC) policies define pre-existing conditions, typically as conditions for which medical advice or treatment was recommended or received within six months before the policy's effective date. Option B (pre-existing condition) matches this definition exactly, as it identifies prior health issues that may affect coverage (e.g., exclusions or waiting periods). Option A (covered illness) is vague and implies a condition already insured, not necessarily pre-existing. Option C (long-term care condition) isn't a standard term; LTC policies cover specific needs (e.g., ADLs), not a category tied to this timeframe. Option D (pre-determined risk) suggests underwriting factors, not a specific medical history definition. The study guide likely details this six-month lookback as a common LTC standard, with examples like a recent stroke diagnosis, emphasizing disclosure requirements and potential coverage limits, confirming B as the answer.

NEW QUESTION # 63
Employer-paid premiums for qualified long-term care insurance are:

A. Reimbursed by the employee
B. Deductible as a business expense
C. Deductible on an employee's federal income tax return
D. Included in an employee's gross income

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Employer-paid premiums for qualified long-term care insurance are treated as a business expense and are tax-deductible for the employer (B), provided the plan meets IRS requirements.
* These premiums are not included in the employee's gross income (A), as they are tax-exempt benefits under IRC Section 106.
* Employees cannot deduct these premiums (C) since they are employer-paid.
* Reimbursement (D) does not apply.
The Virginia study guide, aligned with IRS rules, notes that employer-paid premiums for qualified long-term care insurance are deductible as a business expense and excluded from employees' taxable income.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Taxation of Insurance Benefits."

NEW QUESTION # 64
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