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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q41-Q46):

NEW QUESTION # 41
In the solicitation and sale of Medicare Supplement insurance policies, when must an agent deliver the buyer' s guide?

A. Prior to accepting any payment of premium
B. Only when the purchaser is a first-time buyer
C. At the time of application
D. Only when the solicitation involves replacement

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* The buyer's guide for Medicare Supplement insurance must be provided to the consumer at the time of application (B) to ensure they understand the policy's benefits and limitations before committing.
* Option A (replacement only) is incorrect; the guide is required for all sales, though additional notices apply for replacements.
* Option C (prior to payment) is too vague and not a specific requirement.
* Option D (first-time buyer) is not a condition under Virginia or federal rules.
Per the Virginia study guide, agents must deliver the buyer's guide at the time of application for Medicare Supplement policies, as mandated by federal and state regulations to promote informed decisions. Reference:
Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Supplement Insurance Regulations."

NEW QUESTION # 42
False advertising regarding insurance policies would be found in all of the following EXCEPT:

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

Answer: B

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 # 43
Giving policyholders some part of the agent's commission as an inducement to purchase insurance is an unfair trade practice known as:

A. Rebating
B. Retention
C. Replacement
D. Twisting

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Rebating (B) is the illegal practice of offering a portion of an agent's commission or other financial incentives to induce a sale, prohibited in most states, including Virginia, to ensure fair competition.
* Twisting (A) involves misrepresenting policies to replace existing coverage. Replacement (C) is switching policies, not necessarily with a rebate. Retention (D) is not a recognized term here.
The Virginia study guide defines rebating as an unfair trade practice under Virginia insurance law, aimed at preventing agents from undercutting prices with commission kickbacks. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Unfair Trade Practices."

NEW QUESTION # 44
Which is true about a term life insurance policy?

A. It usually can be renewed at the same premium
B. It may only be written for periods of five years or less
C. It provides temporary protection
D. It usually provides a cash value

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Term life insurance (B) provides coverage for a specified period (temporary protection) and does not accumulate cash value.
* Option A (cash value) applies to permanent life insurance, not term.
* Option C (five years or less) is false; term policies can span 10, 20, or 30 years.
* Option D (same premium) is incorrect; renewable term policies increase premiums at renewal based on age.
The Virginia study guide describes term life insurance as temporary coverage with no cash value, contrasting it with permanent policies. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on
"Types of Life Insurance."

NEW QUESTION # 45
Which term refers to the period of time from the beginning of confinement to the beginning of benefits under a long-term care insurance policy?

A. The qualifying period
B. The trial period
C. The exclusion period
D. The elimination period

Answer: D

Explanation:
In long-term care (LTC) insurance, the elimination period, per Virginia Code § 38.2-5202, is the waiting period between the onset of a qualifying condition (e.g., confinement due to inability to perform ADLs) and the start of benefit payments. It's akin to a deductible in days (e.g., 30, 60, or 90 days), during which the insured must cover costs. Option D correctly names this period. Option A (trial period) isn't a standard LTC term. Option B (exclusion period) might confuse with pre-existing condition exclusions, but it's not the waiting period for benefits. Option C (qualifying period) could imply eligibility determination, but
"elimination period" is the precise industry term. The study guide likely defines this as a cost-sharing feature, with examples illustrating how longer periods reduce premiums, solidifying D as the answer.

NEW QUESTION # 46
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