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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q123-Q128):

NEW QUESTION # 123
Keogh plans are also known as:

A. HR 10 plans
B. 403(b) plans
C. Section 2503(c) trusts
D. Section 457 plans

Answer: A

Explanation:
Keogh plans, established under the Internal Revenue Code, are retirement plans for self-employed individuals and small businesses, also known as HR 10 plans (option B) after the 1962 legislation (H.R. 10) creating them. They allow tax-deferred contributions, similar to qualified plans. Option A (Section 457 plans) applies to government and nonprofit employees, not self-employed individuals. Option C (403(b) plans) is for nonprofit employees (e.g., teachers), distinct from Keogh's self-employed focus. Option D (Section 2503(c) trusts) relates to gifting for minors, not retirement. The study guide likely contrasts Keogh (HR 10) with other plans in a retirement section, noting its tax benefits and eligibility, confirming B as the correct synonym.

NEW QUESTION # 124
All of the following are advantages of whole life insurance EXCEPT:

A. Policy loans may be available
B. The initial cost of coverage is lower than for an equivalent amount of term insurance
C. There is a cash value if the policy is terminated after a sufficient period of time
D. Long-term protection is provided

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Whole life insurance offers policy loans (A), lifelong protection (B), and cash value (D), but its initial cost (C) is higher than term insurance for the same death benefit due to the savings component.
* Term insurance is cheaper initially, making C the exception.
The Virginia study guide highlights that whole life provides permanent coverage and cash value, but at a higher initial premium than term insurance, which offers temporary, lower-cost protection. Reference:
Virginia Life, Annuities, and Health Insurance study guide, section on "Types of Life Insurance."

NEW QUESTION # 125
The interest that an insurance company earns on life insurance premiums paid helps to:

A. Increase the life insurance premium rate
B. Increase the mortality rate
C. Decrease the mortality rate
D. Decrease the life insurance premium rate

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* Life insurance premiums are calculated based on three factors: mortality (death rates), interest (investment earnings), and expenses (operating costs).
* When an insurer earns interest on premiums invested, it increases the funds available to pay claims, reducing the amount needed from policyholders.
* This results in a decrease in the premium rate (C), as higher interest earnings offset the cost of coverage.
* Option A (increase premium rate) would occur if interest earnings decreased.
* Options B and D (mortality rate changes) are unrelated to interest, as mortality is a statistical factor, not a financial one.
The Virginia study guide explains that interest earned on premiums is a key component of pricing life insurance, allowing insurers to lower premium rates when investment returns are favorable. Reference:
Virginia Life, Annuities, and Health Insurance study guide, section on "Premium Determination."

NEW QUESTION # 126
If an employee in poor health is part of a large group that is acceptable for group life insurance, that employee is:

A. Eligible for the same type of coverage as other employees
B. Eligible for coverage, but on a rated basis
C. Eligible for coverage more limited than that of other employees
D. Ineligible for coverage under the plan

Answer: A

Explanation:
Group life insurance in Virginia, governed by Virginia Code § 38.2-3318 et seq., operates on a "group underwriting" basis, meaning coverage is issued to the group as a whole without individual health assessments. For large groups (typically over 10 employees, though Virginia defines "large" contextually), insurers accept the entire eligible group without requiring evidence of insurability, provided the group meets participation and eligibility standards (e.g., active employees). Option C reflects this: an employee in poor health, as part of an acceptable group, receives the same coverage as others, as health status doesn't affect eligibility or terms. Option A (ineligible) is false; group plans don't exclude based on individual health.
Option B (rated basis) applies to individual policies where substandard risks increase premiums, not group plans where risk is pooled. Option D (limited coverage) contradicts the uniformity of group coverage terms.
The study guide likely highlights this non-discriminatory feature of group life, ensuring equal benefits for all eligible members, making C the correct answer per Virginia's legal and practical framework.

NEW QUESTION # 127
Coverage under a cancelable health insurance policy may be terminated by:

A. Either the insured or the insurer
B. The insured only
C. An arbitration committee
D. The insurer only

Answer: A

Explanation:
Virginia Code § 38.2-3508 defines a cancelable health policy as one either party-the insured or insurer-can terminate before its term ends, with notice (e.g., 30 days). Option C reflects this mutual right. Option A (insurer only) and option B (insured only) are too restrictive; cancelable policies aren't unilateral. Option D (arbitration committee) isn't a standard mechanism; cancellation follows policy terms, not third-party rulings.
The study guide likely contrasts cancelable with non-cancelable policies, using examples like an insurer canceling for nonpayment or an insured canceling due to better rates, making C the correct scope.

NEW QUESTION # 128
......

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Virginia-Life-Annuities-and-Health-Insurance Test Braindumps: Virginia Life, Annuities, and Health Insurance Examination Series 11-01 - Virginia-Life-Annuities-and-Health-Insurance Pass-Sure Materials &

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q123-Q128):

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