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NEW QUESTION # 66
Which life insurance rider has the potential to reduce the death benefit?
Answer: A
Explanation:
The accelerated death benefit rider allows the policyholder to access a portion of the death benefit while they are still alive, typically due to a terminal illness or other qualifying event. Since the insurer pays part of the death benefit early, it reduces the remaining amount that will be paid to the beneficiary upon the policyholder's death.
NEW QUESTION # 67
When an HIV test is requested by a health insurer, who signs the consent form?
Answer: A
Explanation:
Virginia Code § 38.2-600 requires written consent for HIV testing in insurance underwriting, signed by the applicant (option A) to comply with privacy laws (e.g., Virginia Code § 32.1-36.1). This ensures the individual authorizes the test, protecting their rights. Option B (physician) may order tests but doesn't consent for insurance. Option C (agent) facilitates but can't consent. Option D (technician) performs the test, not authorizes it. The study guide likely stresses this consent process in a privacy section, with examples of applicants signing before blood draws, making A the correct party.
NEW QUESTION # 68
When a health insurer requires a covered individual to undergo a physical examination, who chooses the examining physician?
Answer: C
Explanation:
When a health insurer requires a physical examination, the insurer typically has the right to choose the examining physician. This is because the insurer is the one paying for the examination as part of the claims or underwriting process, ensuring that the exam is conducted by a professional selected by the insurance company. While the insured may be asked for preferences in some cases, the final decision is generally up to the insurer.
Reference:
NEW QUESTION # 69
All of the following statements about the interest ONLY settlement option in life insurance policies are true EXCEPT:
Answer: D
Explanation:
Virginia Code § 38.2-3115 governs life insurance settlement options. The interest-only option keeps proceeds with the insurer (option A, true), paying interest periodically to the beneficiary (option C, true, e.g., quarterly), and allows the principal to be withdrawn or redirected later (option D, true, e.g., switching to fixed period). Option B is false; the policyowner can select this option during the policy term, not just the beneficiary post-death-though beneficiaries may elect it if not pre-specified. The study guide likely explains this flexibility with examples-e.g., a $100,000 policy earning 3% interest paid monthly-noting both parties' roles, making B the exception since it restricts choice to the beneficiary alone.
NEW QUESTION # 70
An accelerated benefit rider in a life insurance policy may provide funds to an insured who:
Answer: B
Explanation:
An accelerated benefit rider allows the policyholder to access a portion of the death benefit while they are still alive, typically in cases where the insured is diagnosed with a terminal illness and is expected to die within a certain period (usually six months). This rider provides financial assistance during the policyholder's final stages of life, allowing them to cover medical expenses or other costs. It does not apply for minor surgeries or long-term rehabilitation.
NEW QUESTION # 71
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