Virginia-Life-Annuities-and-Health-Insurance試験無料問題集（418題）「Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 認定」

出題：1

The "free look" provision in individual health insurance allows the insured a period of time to:

A. Compare insurance policies

B. Try a policy without paying for it

C. Change coverage on a policy without changing the premium

D. Cancel the policy and receive a full refund

正解：D 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：2

Which type of life insurance policy often contains a payor benefit rider?

A. Juvenile

B. Second-to-die

C. Group life

D. Credit life

正解：A 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：3

An insurance agent who fails to handle premiums received in a trustworthy manner may be guilty of:

A. Failure to supervise representatives

B. Restraint of business

C. Failure to act as a fiduciary

D. Violation of the financial responsibility law

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：4

Which type of health insurance helps to pay for the cost of care in cases where hospitalization is not required but the individuals are unable to care for themselves?

A. Major medical

B. Disability income

C. Long-term care

D. Medicare

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：5

Which client could deposit the available funds into a rollover individual retirement account (IRA)?

A. A self-employed person who has $5,000 to invest for retirement

B. An employee who resigns and receives $15,000 from a qualified plan

C. An individual who receives $10,000 from a lottery

D. A student who receives $20,000 as a life insurance death benefit

正解：B 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：6

All of the following have a restricted ability to enter into a contract EXCEPT:

A. Individuals who are retired

B. Individuals who are mentally ill

C. Individuals who are intoxicated

D. Minors under a certain age

正解：A 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：7

Which annuity may be appropriate for an individual, age 50, who wants to help pay for a grandchild's college expenses in fifteen years?

A. A deferred annuity

B. A pure life annuity

C. A survivorship annuity

D. An immediate annuity

正解：A 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：8

In HMO coverage, preventive services include:

A. Home health services

B. Treatment for alcoholism

C. Rehabilitation therapy

D. Childhood immunizations

正解：D 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：9

The insurance with other insurers provision in an individual health insurance policy allows an insurer to pay benefits to the insured on a pro-rata basis when the:

A. Policy is within 31 days of the renewal date

B. Policy has entered into the grace period for premium payment

C. Insurer was not notified prior to the claim that the insured has other health coverage

D. Insured has submitted claims in excess of $2,000 during the policy year

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：10

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

A. Individual beneficiaries are not specified by name

B. A primary beneficiary cannot be designated in the policy

C. The beneficiaries are unrelated to the insured

D. The policy must be a form of business life insurance

正解：A 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：11

(Term life insurance may be purchased for all of the following reasons EXCEPT:)

A. To provide relatively low-priced life insurance protection

B. To accumulate savings for the children's education

C. To pay off a mortgage in the event of death

D. To provide readjustment income for the insured's survivors

正解：B 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

Virginia-Life-Annuities-and-Health-Insurance試験無料問題集「Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 認定」