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| Section | Objectives |
|---|---|
| Life Insurance | - Life insurance fundamentals
|
| Insurance Regulatory Environment | - State insurance regulation and oversight
|
| Accident and Health Insurance | - Health insurance principles
|
| Annuities | - Annuity concepts
|
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NEW QUESTION # 114
Who is a contingent beneficiary to a life insurance policy?
Answer: C
Explanation:
A contingent beneficiary is designated to receive the policy proceeds only if the primary beneficiary is unable to do so, usually due to predeceasing the insured.
Exact Extract (Virginia Life Insurance Study Guide): "Contingent beneficiary-receives benefits if the primary beneficiary dies before the insured." Reference (Virginia Documents / Study Guide):
- Virginia Life Insurance Examination Outline, Beneficiary Designations
NEW QUESTION # 115
The preventive medical care benefit sometimes provided in a Medicare supplement policy covers:
Answer: A
Explanation:
Detailed Answer in Step-by-Step Solution:
* Medicare supplement (Medigap) policies may include preventive care benefits like annual physical exams (D), which original Medicare doesn't fully cover.
* Home health (A), skilled nursing (B), and hospitalization (C) are covered by Medicare Parts A and B, not typically supplemental preventive benefits.
The Virginia study guide notes that some Medigap plans offer additional preventive services, such as annual exams, beyond Medicare's scope. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Supplement Insurance."
NEW QUESTION # 116
At the request of a small group medical plan policyholder the insurer must disclose all of the following EXCEPT:
Answer: C
Explanation:
Virginia small-group medical insurance disclosure rules require insurers to inform policyholders of renewability provisions, available benefits, and rights related to premium rate increases. However, insurers are not required to disclose their business operating expenses. Exact extract: "At the request of the policyholder, the insurer shall disclose the insurer's right to increase premium rates, the renewability provisions, and all available benefits." Reference:
NEW QUESTION # 117
An IRA owner names the spouse as beneficiary. Which is true if the owner dies before any distributions are made?
Answer: A
Explanation:
Detailed Answer in Step-by-Step Solution:
* If an IRA owner dies before distributions, the surviving spouse beneficiary can roll the IRA into their own IRA (B), treating it as their own and delaying distributions until their required beginning date.
* Option A (forfeited) is false; assets pass to the beneficiary. Options C and D apply to non-spouse beneficiaries under older rules, not spousal rollovers.
The Virginia study guide, per IRS rules, allows a surviving spouse to roll an inherited IRA into their own, avoiding immediate taxation or forced distributions. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Retirement Plans."
NEW QUESTION # 118
A health insurer must generally pay for all of the following types of claims EXCEPT:
Answer: D
Explanation:
Detailed Answer in Step-by-Step Solution:
* Health insurance covers claims incurred during the policy period (A), not after termination (B), unless extended benefits (e.g., COBRA) apply, which is not indicated here.
* Claims above the deductible (C), regardless of amount, are payable if covered.
* Mental or nervous disorder claims (D) are typically covered unless excluded by the policy, which is not specified.
* Thus, claims after termination (B) are the exception.
The Virginia study guide states that health insurance liability ends upon policy termination, barring specific continuation provisions, making post-termination claims generally non-payable. Reference:Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Coverage Terms."
NEW QUESTION # 119
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