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Pass Guaranteed Quiz Virginia Insurance - The Best Virginia-Life-Annuities-and-Health-Insurance - Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Visual Cert Test

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q107-Q112):

NEW QUESTION # 107
If an agent unknowingly violates insurance laws, what is the maximum aggregate penalty for similar violations occurring?

A. $7,500
B. $5,000
C. $15,000
D. $10,000

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* In Virginia, unintentional violations by an agent can result in fines, with a maximum aggregate penalty of $10,000 (C) for similar violations, as set by state insurance regulations.
* Options A, B, and D deviate from this standard cap for unintentional acts.
The Virginia study guide, aligned with Virginia Code, specifies a $10,000 maximum aggregate penalty for unintentional violations, with higher penalties possible for willful acts. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Penalties and Enforcement."

NEW QUESTION # 108
Under IRS rules, a company normally may do all of the following with funds in a qualified retirement plan EXCEPT:

A. Repossess the funds for business purposes
B. Invest in shares of common stocks
C. Make allocations to participating shareholder-employees
D. Distribute vested funds to employees who leave

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Qualified retirement plans allow investments in stocks (A), allocations to participants (B), and distributions of vested funds (C), but repossessing funds for business use (D) violates IRS rules, as funds are held in trust for employees' benefit.
The Virginia study guide, per IRS regulations, states that qualified plan assets are protected for participants and cannot be diverted for business purposes, ensuring retirement security. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Retirement Plans."

NEW QUESTION # 109
Needs analysis is a method of life insurance planning which:

A. Requires the team effort of the agent and home office underwriter
B. Eliminates the need for estimating future interest and inflation rates
C. Ignores Social Security benefit payments
D. Identifies the needs of an individual and the individual's dependents

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* Needs analysis (A) assesses an individual's and dependents' financial requirements (e.g., income replacement, debts) to determine appropriate life insurance coverage.
* It doesn't eliminate interest/inflation estimates (B), require underwriter collaboration (C), or ignore Social Security (D), which is often factored in.
The Virginia study guide describes needs analysis as a planning tool to calculate insurance needs based on personal and family financial obligations, including potential Social Security benefits. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Life Insurance Planning."

NEW QUESTION # 110
In individual health insurance, a proof of loss typically should be submitted to the insurer within:

A. 120 days from the date of loss
B. 30 days from the date of loss
C. 60 days from the date of loss
D. 90 days from the date of loss

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* The proof of loss is a formal statement of a claim, and standard health insurance policies require it within 90 days of the loss (C), unless the policy specifies otherwise or state law extends it.
* Options A (30 days) and B (60 days) are too short for most policies, while D (120 days) exceeds the typical requirement.
The Virginia study guide aligns with the NAIC model laws, stating that proof of loss must typically be filed within 90 days of the loss, though insurers may accept later submissions if not prejudicial. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health InsuranceClaims Provisions."

NEW QUESTION # 111
The injury or damage sustained by the insured is called:

A. A loss
B. An accident
C. A claim
D. A peril

Answer: A

Explanation:
Virginia Code § 38.2-100 et seq. defines insurance terms. A loss (option C) is the actual injury or damage sustained (e.g., a broken leg or burned house), the event insurance covers. Option A (claim) is the request for payment post-loss, not the loss itself. Option B (peril) is the cause (e.g., fire, collision), not the result. Option D (accident) is a type of peril or event, not the damage. The study guide likely clarifies this chain-e.g., a car crash (peril/accident) causes $5,000 damage (loss), prompting a claim-using examples to distinguish loss as the outcome, making C the precise term.

NEW QUESTION # 112
......

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