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| Section | Objectives |
|---|---|
| Annuities | - Annuity concepts
|
| Insurance Regulatory Environment | - State insurance regulation and oversight
|
| Accident and Health Insurance | - Health insurance principles
|
| Life Insurance | - Life insurance fundamentals
|
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NEW QUESTION # 380
Which of the following statements regarding the renewal of a Medicare supplement policy is in accordance with Virginia regulations?
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 # 381
Employer-paid premiums for qualified long-term care insurance are:
Answer: A
Explanation:
Premiums paid by employers for qualified long-term care insurance are tax-deductible as a business expense. For employees, the value of employer-paid premiums is excluded from gross income. This aligns with federal tax treatment and is covered in Virginia's insurance exam outline.
Exact Extract (Virginia Insurance Study Guide): "Employer contributions to qualified long-term care insurance premiums are deductible to the employer as a business expense and not taxable to the employee." Reference (Virginia Documents / Study Guide):
- Virginia Life & Health Insurance Examination Outline, Section 6.2 Tax treatment of long-term care insurance
NEW QUESTION # 382
A licensed agent must report a felony conviction to the Commission within how many calendar days?
Answer: B
Explanation:
Virginia Code § 38.2-1826(C) requires licensees, including insurance agents, to report any felony conviction to the State Corporation Commission's Bureau of Insurance within 30 calendar days of the final disposition (option C). "Final disposition" means the court's conclusive ruling-e.g., sentencing after a guilty plea. This rule ensures the Bureau can assess the agent's fitness to retain their license, protecting the public from untrustworthy practitioners. Option A (10 days) is too short and not specified in Virginia law for this purpose. Option B (20 days) lacks statutory support and falls between standard reporting periods. Option D (60 days) exceeds the mandated timeline, delaying oversight. The study guide likely highlights this 30-day deadline in a licensing compliance section, with examples-e.g., an agent convicted of fraud on June 1 must report by July 1-aligning with Virginia's adoption of NAIC standards for licensee integrity (Virginia Code § 38.2-1800 et seq.), making C the precise requirement.
NEW QUESTION # 383
A group life insurance plan must insure all eligible employees if the:
Answer: D
Explanation:
Under Virginia law, a group life insurance plan must insure all eligible employees if the employer pays the entire premium. This is a requirement to ensure fairness and equal coverage for all employees, as employer-paid premiums typically result in mandatory participation. If the employee contributes to the premium, participation may be optional. The other options do not trigger the requirement to insure all eligible employees.
NEW QUESTION # 384
Coverage under a cancelable health insurance policy may be terminated by:
Answer: D
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 # 385
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