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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q44-Q49):

NEW QUESTION # 44
The unwritten authority of an agent to perform incidental acts necessary to fulfill the purpose of the agency agreement is:

A. Implied authority
B. Express authority
C. Nonexistent
D. Mandated authority

Answer: A

Explanation:
The concept of agency authority is foundational in Virginia insurance law, derived from general agency principles and reflected in Title 38.2, Chapter 18. Express authority is explicitly granted in the agency agreement (e.g., soliciting and binding coverage), per Virginia Code § 38.2-1800 et seq. Implied authority, however, is not written but assumed to be necessary for carrying out express duties-such as scheduling client meetings or collecting initial premiums-unless restricted by the insurer. "Mandated authority" (option B) is not a recognized term in Virginia insurance regulations or study materials. Option C (express authority) is incorrect because it's explicitly stated, not unwritten. Option D (nonexistent) denies the presence of authority, which contradicts the question's premise. The Virginia Life, Annuities, and Health Insurance study guide likely highlights implied authority as a key concept for agents' day-to-day operations, making A the correct answer.

NEW QUESTION # 45
The information which gives an insurer necessary personal data regarding an individual and helps determine whether the individual can be insured under an individual health insurance policy is contained in the:

A. Application
B. Enrollment form
C. Policy schedule
D. Agent's statement

Answer: A

Explanation:
Virginia Code § 38.2-3501 requires individual health insurance policies to incorporate the application as part of the contract, as it contains critical personal data (e.g., name, age, medical history) used to determine insurability (option C). This document-completed by the applicant and agent-details health conditions, lifestyle factors (e.g., smoking), and other risk indicators the underwriter evaluates-e.g., a 30-year-old with asthma noted for rating. Option A (enrollment form) applies to group health plans, not individual policies, where employees join a pre-set plan. Option B (policy schedule) summarizes coverage (e.g., limits, premiums) after issuance, not initial data for underwriting. Option D (agent's statement) may supplement the application with observations, but it's not the primary source; the application itself holds the insured's data.
The study guide likely highlights the application's role in a health insurance section, with examples-e.g., a question about prior hospitalizations triggering a premium adjustment-making C the key document, per Virginia's legal requirement that it be attached to the policy (§ 38.2-3503) for transparency and enforceability.

NEW QUESTION # 46
One characteristic of flexible premium life insurance is that payment of the premium can be altered at the option of:

A. The insurer, if the Consumer Price Index has risen at least 10% over the past year
B. The policyowner
C. The contingent beneficiary
D. The insurer, if the prime interest rate falls below 6%

Answer: B

Explanation:
Flexible premium life insurance, such as universal life (Virginia Code § 38.2-3113.1), allows the policyowner to adjust premium payments within policy limits (e.g., minimum to maintain coverage, maximum for tax advantages), offering flexibility over fixed-premium plans like whole life. Option A correctly identifies the policyowner as the decision-maker. Option B (contingent beneficiary) is false; beneficiaries have no control over premiums. Options C and D tie adjustments to economic indices (CPI, interest rates), but Virginia law and standard policies don't grant insurers unilateral premium-changing rights based on these factors- flexibility is the policyowner's prerogative, subject to cash value sufficiency. The study guide likely contrasts this with traditional policies, using examples of skipped or increased payments, confirming A as the defining trait.

NEW QUESTION # 47
Who normally bears the cost of excess charges in a Medicare claim?

A. The Centers for Medicare & Medicaid Services
B. The insured
C. The Social Security Administration
D. The service provider

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Excess charges in Medicare occur when a provider charges more than the Medicare-approved amount, and the insured (D) is responsible for the difference unless covered by supplemental insurance.
* The Social Security Administration (A) and CMS (B) administer Medicare, not pay claims.
* Providers (C) may charge excess but don't absorb it unless they accept assignment.
The Virginia study guide explains that Medicare beneficiaries bear excess charges unless a provider accepts Medicare assignment or a Medigap policy covers them. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Basics."

NEW QUESTION # 48
Which expenses are covered by Medicare Part D?

A. Dental
B. Prescription drug
C. Medical
D. Hospital

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Medicare Part D (C) specifically covers prescription drug costs for enrollees.
* Medical expenses (A) are under Part B, hospital costs (B) under Part A, and dental (D) is generally not covered by Medicare unless supplemental.
The Virginia study guide states that Medicare Part D, introduced in 2006, provides prescription drug coverage through private plans, distinct from Parts A and B. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare."

NEW QUESTION # 49
......

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Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Reliable Test Notes, Virginia-Life-Annuities-and-Health-Insurance Torrent

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q44-Q49):

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