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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q144-Q149):

NEW QUESTION # 144
A licensed agent must report a felony conviction to the Commission within how many calendar days?

A. 20 days
B. 10 days
C. 30 days
D. 60 days

Answer: C

Explanation:
Virginia Code § 38.2-1826(C) requires licensees, including insurance agents, to report any felony conviction to the State Corporation Commission's Bureau of Insurance within 30 calendar days of the final disposition (option C). "Final disposition" means the court's conclusive ruling-e.g., sentencing after a guilty plea. This rule ensures the Bureau can assess the agent's fitness to retain their license, protecting the public from untrustworthy practitioners. Option A (10 days) is too short and not specified in Virginia law for this purpose.
Option B (20 days) lacks statutory support and falls between standard reporting periods. Option D (60 days) exceeds the mandated timeline, delaying oversight. The study guide likely highlights this 30-day deadline in a licensing compliance section, with examples-e.g., an agent convicted of fraud on June 1 must report by July
1-aligning with Virginia's adoption of NAIC standards for licensee integrity (Virginia Code § 38.2-1800 et seq.), making C the precise requirement.

NEW QUESTION # 145
All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:

A. Physical examinations
B. Well-baby checkups
C. Experimental surgery
D. Immunizations for children

Answer: C

Explanation:
Virginia Code § 38.2-4306 requires HMOs to offer preventive care, coordinated by primary care physicians (PCPs), focusing on health maintenance. Option A (well-baby checkups), option B (immunizations for children), and option D (physical examinations) are standard preventiveservices-e.g., growth monitoring, vaccines, and annual exams-covered at no cost under ACA-aligned plans (Virginia Code § 38.2-3440).
Option C (experimental surgery) is not preventive; it's a treatment, often excluded or requiring special approval due to its unproven nature, not a PCP's routine role. The study guide likely lists HMO preventive benefits with examples (e.g., flu shots), contrasting them with non-preventive interventions like surgery, making C the exception.

NEW QUESTION # 146
When there is a misstatement of age by an applicant for a disability income policy:

A. Any amount payable will be the amount of coverage the premium would have purchased at the insured' s correct age.
B. The insurer is not liable for any claims made during the period before correction of the insured's age.
C. The company will cancel the policy immediately upon discovery of the misstatement of age.
D. The policy will be void from its inception because of the insured's misrepresentation.

Answer: A

Explanation:
Virginia Code § 38.2-3505 requires disability income policies to include a misstatement of age provision. If an applicant misstates their age, the insurer adjusts benefits to what the paid premium would have purchased at the correct age, rather than voiding or canceling the policy. Option A reflects this adjustment process.
Option B is false; the insurer remains liable, adjusting claims rather than denying them outright. Option C is incorrect; immediate cancellation isn't standard unless fraud is proven (Virginia Code § 38.2-309), and age misstatements are typically clerical errors, not fraud. Option D is wrong; voiding from inception requires material misrepresentation with intent to deceive, not a simple age error. The study guide likely explains this clause as a fairness mechanism, protecting both parties, making A the correct answer.

NEW QUESTION # 147
Which is true about a joint and survivor annuity?

A. Each annuitant must provide evidence of insurability.
B. The benefits cease when the surviving annuitant reaches life expectancy.
C. It is a combination of an annuity and whole life insurance.
D. The benefits are payable throughout the lifetimes of two or more people.

Answer: D

Explanation:
A joint and survivor annuity, as outlined in Virginia Code § 38.2-3100 et seq., is an annuity contract that pays benefits as long as at least one of the named annuitants (typically two, such as spouses) is alive. Option A accurately reflects this, stating benefits continue throughout their lifetimes, ceasing only upon the last survivor's death. Option B is false because payments aren't tied to life expectancy but to actual survival, per standard annuity terms in the study guide. Option C is incorrect; an annuity provides income, while whole life insurance offers a death benefit-combining them is a different product (e.g., a universal life policy), not a joint and survivor annuity. Option D is wrong because annuities, unlike life insurance, don't typically require evidence of insurability, as they're based on longevity, not mortality risk (Virginia Code § 38.2-3113). The study guide emphasizes the lifetime payment feature as the defining trait, confirming A.

NEW QUESTION # 148
In individual health insurance, a proof of loss typically should be submitted to the insurer within:

A. 30 days from the date of loss
B. 90 days from the date of loss
C. 120 days from the date of loss
D. 60 days from the date of loss

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* The proof of loss is a formal statement of a claim, and standard health insurance policies require it within 90 days of the loss (C), unless the policy specifies otherwise or state law extends it.
* Options A (30 days) and B (60 days) are too short for most policies, while D (120 days) exceeds the typical requirement.
The Virginia study guide aligns with the NAIC model laws, stating that proof of loss must typically be filed within 90 days of the loss, though insurers may accept later submissions if not prejudicial. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health InsuranceClaims Provisions."

NEW QUESTION # 149
......

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