Virginia-Life-Annuities-and-Health-Insurance Answers Real Questions & Study Virginia-Life-Annuities-and-Health-Insurance Demo

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q66-Q71):

NEW QUESTION # 66
When an HIV test is requested by a health insurer, who signs the consent form?

A. The applicant's physician
B. The insurance agent
C. The medical laboratory technician
D. The applicant

Answer: D

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 # 67
An information security program shall be designed to do all of the following, EXCEPT:

A. Ensure the confidentiality of policyholder information
B. Ensure policyholder access to their information without substantial inconvenience
C. Protect against any anticipated threats or hazards to the integrity of the information
D. Protect against unauthorized access to the information

Answer: B

Explanation:
Virginia Code § 38.2-623 mandates insurers to implement information security programs to safeguard nonpublic personal information, aligning with the NAIC's Model Regulation for Privacy. These programs must ensure confidentiality (option B), protect against threats or hazards (option C), and prevent unauthorized access (option D)-all core objectives to secure data against breaches or misuse. Option A (ensure policyholder access without substantial inconvenience) is not a requirement of the security program; while Virginia Code § 38.2-610 allows policyholders to request their information, this is a separate consumer right, not a security program goal. The study guide likely details these mandates in a privacy section, emphasizing protection over access facilitation, as security focuses on safeguarding, not convenience. For example, encryption (B, D) and risk assessments (C) are standard, but streamlining access (A) could even conflict with security if overly permissive, making A the exception.

NEW QUESTION # 68
Renewal of small employer health insurance plans may be denied for all of the following reasons EXCEPT:

A. Having less than the required number of participants
B. Fraud by the employer
C. Overuse of physician and hospital services
D. Nonpayment of premiums

Answer: C

Explanation:
Virginia Code § 38.2-3432.1, aligned with the Affordable Care Act (ACA), mandates guaranteed renewability for small employer health plans (1-50 employees in Virginia). Insurers can deny renewal for nonpayment of premiums (option A), insufficient participants (option B, e.g., falling below one eligible employee), or fraud (option D), per Virginia Code § 38.2-3407. However, option C-overuse of services (high claims)-a-is not a permissible reason for denial, as renewability cannot be based on claims experience or health status. The study guide emphasizes this protection under Virginia's small group market rules, making C the exception.

NEW QUESTION # 69
On an application for individual health insurance, all of the following are typically included on the agent's report EXCEPT:

A. Agent's relationship to the applicant
B. Applicant's financial status
C. Applicant's signature
D. Applicant's general character

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* The agent's report includes the agent's observations, such as relationship to the applicant (A), financial status (B), and general character (C), to aid underwriting.
* The applicant's signature (D) is on the application itself, not the agent's separate report.
The Virginia study guide specifies that the agent's report supplements the application with the agent's insights, while the applicant signs the main application, not the report. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Application Process."

NEW QUESTION # 70
In health insurance, the insurance policy, the endorsements, and any relevant papers attached to thepolicy make up the:

A. Uniform mandatory policy provisions
B. Notice of coverage
C. Completed application
D. Entire contract

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* In health insurance, the "entire contract" refers to all the documents that collectively form the legal agreement between the insurer and the policyholder.
* This includes the insurance policy itself (the main document outlining coverage), any endorsements (modifications or additions to the policy), and attached papers such as the application (if attached).
* The completed application (A) is part of the contract only if attached, but it alone does not constitute the entire contract.
* Uniform mandatory policy provisions (C) are specific clauses required by law within the policy, not the whole contract.
* Notice of coverage (D) is a notification, not the contract itself.
* Therefore, the correct answer is "entire contract."
The concept of the "entire contract" is a standard provision in health and life insurance policies. Per the Virginia insurance study guide, the entire contract clause ensures that all terms and conditions are contained within the policy, endorsements, and attached documents (like the application), protecting both parties by defining the full scope of the agreement. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Policy Provisions and Contracts."

NEW QUESTION # 71
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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q66-Q71):

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