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Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Exam Syllabus Topics:

Section	Objectives
Topic 1: Insurance Regulatory Environment	- State insurance regulation and oversight 1. Producer licensing requirements 2. Virginia insurance laws and regulations
Topic 2: Accident and Health Insurance	- Health insurance principles 1. Disability and medical expense coverage 2. Individual and group health plans
Topic 3: Annuities	- Annuity concepts 1. Fixed and variable annuities 2. Accumulation and payout options
Topic 4: Life Insurance	- Life insurance fundamentals 1. Beneficiaries and policy ownership 2. Policy types and features

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q352-Q357):

NEW QUESTION # 352
Who normally bears the cost of excess charges in a Medicare claim?

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

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 # 353
Field underwriting usually differs from home office underwriting in that the agent:

A. Has personal contact with the applicant
B. Requires information on the applicant's health
C. Requires information on existing coverage
D. Attempts to reduce moral hazard

Answer: A

Explanation:
Field underwriting refers to the duties carried out by the insurance agent during the application process. Unlike home office underwriting, which relies on medical exams and reports, the agent is in personal contact with the applicant and is responsible for gathering correct information.
Exact Extract (Virginia Life & Health Insurance Study Guide): "Field underwriting-conducted by the agent, includes personal contact with the applicant, observing general character, and ensuring application completeness." Reference (Virginia Documents / Study Guide):
- Virginia Life & Health Insurance Examination Outline, Underwriting Principles

NEW QUESTION # 354
Which of the following statements regarding the renewal of a Medicare supplement policy is in accordance with Virginia regulations?

A. An individual must obtain an annual physical which meets specific health requirements to have the policy renewed.
B. Each policy is guaranteed to be renewable.
C. An individual has the option to renew the policy as long as the maximum annual coverage has not been met the previous year.
D. Each policy is subject to an annual administrative fee to be paid prior to renewal.

Answer: B

Explanation:
Medicare supplement policies in Virginia are guaranteed renewable. This means the insurer cannot cancel coverage as long as premiums are paid on time, regardless of the insured's health status or claim history. Exact extract: "Every Medicare supplement policy shall be guaranteed renewable and may not be terminated except for nonpayment of premium or material misrepresentation." This provides strong consumer protection for seniors relying on supplemental coverage.
Reference:

NEW QUESTION # 355
All of the following statements about insurance are true EXCEPT:

A. The insured transfers the risk of loss to the insurer
B. The insured may retain part of the loss through deductibles
C. As the number of insured units increases, the number of losses decreases
D. A large uncertain loss is exchanged for a small certain expenditure

Answer: C

Explanation:
Insurance works on the law of large numbers, which states that as the number of exposure units increases, the predictability of losses increases-not that the number of losses decreases. Losses still occur, but they become more statistically predictable.
Exact Extract (Virginia Insurance Fundamentals Study Guide): "Law of large numbers-predictability of loss increases as the number of similar exposure units increases. The number of losses does not decrease." Reference (Virginia Documents / Study Guide):
- Virginia General Insurance Concepts, Risk and Principles of Insurance

NEW QUESTION # 356
Which one of the following would entitle the beneficiary to receive benefits under accidental death and dismemberment insurance coverage?

A. Death caused by a stroke
B. Death caused by suicide
C. Death caused by a heart attack
D. Death caused by a commercial airline crash

Answer: D

Explanation:
Accidental death and dismemberment (AD&D) insurance provides benefits if the insured's death is caused by an accident, such as a commercial airline crash. This coverage is specifically designed for accidental injuries or death, and it does not typically cover natural causes such as heart attacks, strokes, or suicide.

NEW QUESTION # 357
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