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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q131-Q136):

NEW QUESTION # 131
All of the following have a restricted ability to enter into a contract EXCEPT:

A. Individuals who are intoxicated
B. Individuals who are retired
C. Minors under a certain age
D. Individuals who are mentally ill

Answer: B

Explanation:
Virginia contract law, reflected in Virginia Code § 38.2-102, requires capacity to form an insurance contract.
Option A (intoxicated individuals) lacks capacity if impaired, voiding consent. Option B(mentally ill individuals) may lack comprehension, restricting ability unless adjudicated competent. Option C (minors, typically under 18 per § 38.2-3405) can't contract without guardian consent, except for necessities. Option D (retired individuals) has no legal restriction; retirement is a status, not a capacity limiter-e.g., a 65-year-old retiree can buy insurance freely. The study guide likely covers capacity in a legal basics section, with examples like a drunk person's void policy versus a retiree's valid one, making D the exception.

NEW QUESTION # 132
On an application for individual health insurance, all of the following are typically included on the agent's report EXCEPT:

A. Applicant's financial status
B. Agent's relationship to the applicant
C. Applicant's general character
D. Applicant's signature

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* The agent's report includes the agent's observations, such as relationship to the applicant (A), financial status (B), and general character (C), to aid underwriting.
* The applicant's signature (D) is on the application itself, not the agent's separate report.
The Virginia study guide specifies that the agent's report supplements the application with the agent's insights, while the applicant signs the main application, not the report. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Application Process."

NEW QUESTION # 133
When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

A. Health maintenance organization
B. Major medical
C. Disability income
D. Dental

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Employer-paid premiums for group health plans like major medical (B), dental (C), and HMOs (D) result in tax-free benefits under IRC Section 106.
* Disability income (A) benefits are taxable if the employer pays the premium, per IRS rules, unlike medical benefits.
The Virginia study guide, aligned with IRS regulations, notes that employer-funded disability income benefits are taxable to the recipient, while medical, dental, and HMO benefits remain tax-free. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Taxation of Insurance Benefits."

NEW QUESTION # 134
An individual or business entity conducting business under an assumed or fictitious name must notify the Bureau of Insurance either at the time the license application is filed or:

A. Within 30 calendar days from the date the name is adopted
B. Within 60 calendar days from when the first policy is sold under the assumed name
C. 30 days before the assumed name is no longer being used
D. At the time of license renewal

Answer: A

Explanation:
Virginia Code § 38.2-1820 requires licensees (agents, agencies, or other entities) operating under an assumed or fictitious name to register that name with the Bureau of Insurance. This ensures transparency and consumer protection by linking all business names to the licensed entity. The statute specifies notification either at the time of license application or within 30 calendar days after adopting the assumed name, making option A correct. This timeline allows the Bureau to update records promptly without undue delay. Option B (60 days from first policy sale) introduces an unrelated trigger-policy sales-and extends the period beyond Virginia' s requirement, making it incorrect. Option C (license renewal) delays notification unnecessarily, as renewals occur biennially (Virginia Code § 38.2-1822), conflicting with the need for timely registration. Option D (30 days before discontinuing the name) is illogical; notification is required when adopting, not abandoning, a name. The study guide likely stresses this 30-day rule to ensure compliance with Virginia's licensing oversight, reinforcing A as the precise answer based on regulatory intent and practice.

NEW QUESTION # 135
A typical disability income insurance policy EXCLUDES benefits for which one of the following causes of loss?

A. Sporting accidents
B. Intentional self-inflicted injuries
C. Permanent injuries
D. Falls

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Disability income policies exclude benefits for intentional self-inflicted injuries (B) to prevent abuse or fraud.
* Permanent injuries (A), sporting accidents (C), and falls (D) are typically covered unless specifically excluded by the policy.
The Virginia study guide states that disability income insurance excludes self-inflicted injuries as a standard provision to ensure coverage applies to unforeseen events. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Disability Income Insurance."

NEW QUESTION # 136
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100% Pass 2025 Virginia-Life-Annuities-and-Health-Insurance: High-quality Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Study Demo

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q131-Q136):

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