Virginia-Life-Annuities-and-Health-Insurance問題集、Virginia Insurance実際の試験問題

質問 1

(All employer-sponsored qualified retirement plans are generally required to open participation to any employee age 21 or over with a minimum of how many years of service?)

A. 7 years

B. 1 year

C. 5 years

D. 3 years

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 2

An example of a comprehensive health policy is:

A. A major medical policy

B. A workers' compensation policy

C. A dental policy

D. A vision policy

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 3

(Which of the following is one characteristic of a SIMPLE IRA plan?)

A. Employees are mandatory contributors

B. Employers must have a minimum of 500 employees to participate

C. Employees are vested after 10 years of service

D. Employers do not have filing requirements

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 4

When a small employer health insurance plan is offered, it must be available:

A. Only to employees who provide evidence of insurability

B. Only to employees under age 65

C. To all eligible employees who apply

D. To all eligible employees after a 12-month waiting period

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 5

All of the following are elements of an insurable risk EXCEPT:

A. A large number of similar units

B. Speculative risk

C. An ability to measure the loss

D. Accidental loss

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 6

Which statement about a decreasing term life insurance policy is true?

A. The premium remains level, but the amount of coverage decreases annually.

B. The premium reduces annually, but the amount of coverage remains level.

C. The premium reduces annually and the amount of coverage decreases annually.

D. The premium increases annually, but the amount of coverage decreases.

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 7

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

A. Minors under a certain age

B. Individuals who are intoxicated

C. Individuals who are retired

D. Individuals who are mentally ill

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 8

In Virginia, when existing health insurance is being replaced:

A. A replacement disclosure must appear in the application for new coverage

B. The existing coverage must first be cancelled

C. Underwriting approval is automatic

D. The premium rate for the new coverage is permanently guaranteed

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 9

(Sales material used in the marketing of market value adjusted annuities in Virginia must clearly illustrate:)

A. That the market value adjustment can be either upward or downward

B. The future projected values based on past experience

C. The future projected values predicted by the insurer

D. That the market value adjustment is always negative

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 10

In health insurance, the insured must furnish written proof of loss to the insurer within:

A. 60 days of the occurrence of the loss

B. 90 days of the occurrence of the loss

C. 30 days of the occurrence of the loss

D. 15 days of the occurrence of the loss

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 11

The accidental death benefit provided by a life insurance policy may be classified as which one of the following?

A. An optional policy rider

B. A nonforfeiture option

C. A policy exclusion

D. A form of annuity

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 12

Under an absolute assignment, a life insurance policyowner transfers:

A. Ownership rights as collateral for a loan

B. The requirement to pay premiums to a third party

C. All policy ownership rights to a new owner

D. Limited policy rights to another party

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 13

Short-term group disability income insurance:

A. Usually coordinates the amount of benefits paid with disability benefits received under Social Security

B. Frequently provides coverage through age 65 for insureds who are over 55 when they become disabled

C. Often has a benefit period extending up to a maximum of ten years

D. Usually provides benefits expressed as a percentage of the insured's normal weekly wage, up to a specified weekly maximum

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 14

An individual covered under a disability income policy is injured while engaged in an occupation that is more hazardous than the occupation stated in the policy. What is the effect of the policy's change of occupation provision?

A. The policy is cancelled.

B. The benefit level is reduced.

C. The premium rate is increased.

D. The policy limits are increased.

正解: B

解説: (PassTest メンバーにのみ表示されます)

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 - Virginia-Life-Annuities-and-Health-Insurance 模擬練習