Real Virginia Life Annuities and Health Insurance Dumps (V8.02) Help You Achieve Success – Check Virginia Life Annuities and Health Insurance Free Dumps (Part 1, Q1-Q40) Online

1. For an AD&D policy with an irrevocable beneficiary designation, a change in the beneficiary can ONLY be made:

2. Disability income insurance policies usually provide coverage for loss of income resulting from:

3. The insurance with other insurers provision in an individual health insurance policy allows an insurer to pay benefits to the insureds on a pro-rata basis when the:

4. When a health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?

5. Under the notice of claim provision, notice given to a health insurance company’s agent is:

6. Which policy provision allows an employee to change from group coverage to an individual life insurance policy?

7. All changes and corrections made to an application for health insurance by an agent must be initialed by the:

8. All of the following are dividend options in life insurance policies EXCEPT:

9. An immediate annuity:

10. Giving policyholders some part of the agent’s commission as an inducement to purchase insurance is an unfair trade practice known as:

11. The interest that an insurance company earns on life insurance premiums paid helps to:

12. In individual health insurance, a proof of loss typically should be submitted to the insurer within:

13. Which type of life insurance policy is designed to pay the balance of a thirty-year home mortgage loan in the event of the insured’s death?

14. All of the following are underwriting criteria for individual life insurance EXCEPT:

15. When a small employer health insurance plan is offered, it must be available:

16. A spendthrift clause in a life insurance policy would have NO effect if the beneficiary receives the proceeds as:

17. All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:

18. The prevention and correction of dental and oral irregularities through the use of mechanical corrective devices is called:

19. What is the primary role of medical expense and disability insurance?

20. Which is true about the conversion privilege in term life insurance?

21. Which of the following statements is true regarding an insurance agent’s license?

22. The injury or damage sustained by the insured is called:

23. An individual purchased an annuity with a series of premium payments continuing over a period of twenty years.

The purchase payments were made during the:

24. One feature that distinguishes a continuous premium whole life policy from a limited payment whole life policy is:

25. An individual health insurance policy must include:

26. Which is true about ownership of a deferred annuity contract?

27. Immediate annuities are often purchased by people who:

28. Which benefit is usually excluded from major medical plan coverage?

29. What is the agent’s primary role in underwriting life insurance?

30. Renewal of small employer health insurance plans may be denied for all of the following reasons EXCEPT:

31. Needs analysis is a method of life insurance planning which:

32. One premium payment covers which period of time in a single premium whole life policy?

33. All of the following are types of insurance policy exchanges that can be made without current taxation EXCEPT:

34. Which of the following is required to hold an appointment with the insurance company it represents?

35. Under which type of policy are benefit payments treated as taxable income?

36. All of the following statements about tax-sheltered annuities (TSAs) are true EXCEPT:

37. The information which gives an insurer necessary personal data regarding an individual and helps determine whether the individual can be insured under an individual health insurance policy is contained in the:

38. The owner of a life insurance policy who enters into a viatical settlement contract is called:

39. If an employee in poor health is part of a large group that is acceptable for group life insurance, that employee is:

40. An agreement attached to a health insurance policy which alters either the terms of the policy or the coverage is called: