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Free PDF Virginia Insurance - Virginia-Life-Annuities-and-Health-Insurance - Useful Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Exam Labs

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q99-Q104):

NEW QUESTION # 99
Which of the following is an advantage of term life insurance?

A. It provides insurance protection on a permanent basis
B. It will be cost-effective in the long term if it is maintained to age 65 and beyond
C. The cost is about the same as whole life insurance
D. The initial premium is lower than for an equivalent amount of whole life insurance

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* Term life insurance's primary advantage is its lower initial premium (D) compared to whole life for the same death benefit, due to its temporary nature and lack of cash value.
* Option A (same cost) is false; term is cheaper. Option B (cost-effective long-term) is incorrect; premiums rise with renewals. Option C (permanent) applies to whole life, not term.
The Virginia study guide highlights that term life insurance offers affordable initial premiums for temporary coverage, making it attractive for short-term needs compared to whole life. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Types of Life Insurance."

NEW QUESTION # 100
All of the following are elements of an insurable risk EXCEPT:

A. An ability to measure the loss
B. Speculative risk
C. Accidental loss
D. A large number of similar units

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Insurable risks require accidental loss (B), a large number of similar exposure units (C), and measurable loss (D) to allow statistical predictability and premium calculation.
* Speculative risk (A), like gambling or business ventures, involves potential gain or loss and is not insurable, as insurance covers only pure risk (loss only).
The Virginia study guide distinguishes pure risk (insurable) from speculative risk (uninsurable), listing accidental, measurable, and widespread exposure as key criteria. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Risk and Insurance."

NEW QUESTION # 101
The prevention and correction of dental and oral irregularities through the use of mechanical corrective devices is called:

A. Endodontics
B. Prosthodontics
C. Orthodontics
D. Periodontics

Answer: C

Explanation:
In the context of health insurance, particularly dental coverage, Virginia Code § 38.2-3407.1 et seq. governs mandated benefits, though dental specifics often appear in policy riders or standalone plans. Orthodontics (option A) is the branch of dentistry focused on preventing and correcting irregularities of the teeth and jaws using mechanical devices like braces or aligners, precisely matching the question's description. Endodontics (option B) deals with the tooth's interior (e.g., root canals), not mechanical correction of alignment.
Periodontics (option C) addresses gum diseases and supporting structures, not tooth positioning.
Prosthodontics (option D) involves replacing missing teeth with prosthetics (e.g., dentures), not correcting irregularities mechanically. The study guide likely defines these terms in a health insurance section, emphasizing orthodontics' role in alignment correction-both preventive (e.g., avoiding bite issues) and corrective-making A the clear answer. Examples like braces for malocclusion reinforce this distinction from other specialties.

NEW QUESTION # 102
Preferred provider organizations (PPOs) encourage patients to use specified hospitals by:

A. Extending days of hospitalization coverage
B. Offering greater coinsurance percentages
C. Making public service announcements
D. Offering outpatient diagnostic coverage

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* PPOs incentivize use of in-network providers (e.g., specified hospitals) by offering higher coinsurance percentages (D), meaning the insurer pays a larger share of costs (e.g., 80% vs. 60% out-of-network).
* Option A (announcements) is not a direct incentive.
* Option B (diagnostic coverage) applies broadly, not specifically to in-network use.
* Option C (extending hospital days) is not a typical PPO feature.
The Virginia study guide notes that PPOs encourage in-network use through financial incentives like higher coinsurance or lower out-of-pocket costs, distinguishing them from HMOs. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."

NEW QUESTION # 103
Employer-paid premiums for qualified long-term care insurance are:

A. Included in an employee's gross income
B. Deductible on an employee's federal income tax return
C. Reimbursed by the employee
D. Deductible as a business expense

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* Employer-paid premiums for qualified long-term care insurance are treated as a business expense and are tax-deductible for the employer (B), provided the plan meets IRS requirements.
* These premiums are not included in the employee's gross income (A), as they are tax-exempt benefits under IRC Section 106.
* Employees cannot deduct these premiums (C) since they are employer-paid.
* Reimbursement (D) does not apply.
The Virginia study guide, aligned with IRS rules, notes that employer-paid premiums for qualified long-term care insurance are deductible as a business expense and excluded from employees' taxable income.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Taxation of Insurance Benefits."

NEW QUESTION # 104
......

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