Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 1101 Exam Questions Instant Access

Question 1

Which doctor-ordered services can be performed by individuals without medical training?

ARehabilitative care

BTherapeutic care

CIntermediate care

DCustodial care

Answer : D

Custodial care is non-medical assistance with daily living activities, requiring no professional medical training. Rehabilitative, therapeutic, and intermediate care require licensed or trained personnel. Exact extract: ''Custodial care provides assistance with daily living activities and does not require medical skills.''

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Question 2

A ''functional assessment'' for long-term care insurance benefits determines:

AThe nursing home's ability to perform the required level of care

BThe family members' ability to provide the required level of care

CThe insured's ability to perform the activities of daily living

DThe condition of the insured's home and its operating systems

Answer : C

Eligibility for long-term care benefits is based on inability to perform Activities of Daily Living (ADLs). Functional assessment measures this ability. Exact extract: ''Functional assessments measure the insured's ability to perform ADLs such as bathing, dressing, eating, continence, and transferring.''

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Question 3

What is typically required to qualify for group life insurance?

APart-time employees must be covered

BThe group must meet minimum size requirements

CDependents of the employees are required to participate

DNew employees must provide proof of insurability

Answer : B

To qualify for group life insurance, the group must meet certain minimum size requirements, as defined by the insurance provider or state regulations. This ensures that the group is large enough to spread the risk of insuring multiple individuals. Coverage for part-time employees and dependents is not typically mandatory, and new employees do not generally need to provide proof of insurability for group coverage.

Question 4

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

AGender

BReligion

COccupation

DAbility to pay premiums

Answer : B

Virginia Code 38.2-3107 governs life insurance underwriting, where insurers assess risk using factors like gender (option A, affecting mortality rates), occupation (option C, e.g., hazardous jobs increase risk), and ability to pay premiums (option D, ensuring policy sustainability). Option B (religion) is not a permissible criterion; Virginia Code 38.2-211 prohibits unfair discrimination in insurance based on religion, race, or other protected traits, reflecting federal and state anti-discrimination laws. The study guide likely explains underwriting with examples---e.g., higher premiums for a male firefighter---but flags religion as an illegal factor, with case studies of compliance, making B the exception.

Question 5

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

AAgent's relationship to the applicant

BApplicant's financial status

CApplicant's general character

DApplicant's signature

Answer : D

The agent's report includes observations on the applicant's financial status, character, and other relevant factors, but the applicant's signature belongs on the application form, not the agent's report.

Exact Extract (Virginia Health Insurance Study Guide): ''The agent's report is confidential and includes information on financial condition and character. It does not contain the applicant's signature.''

Reference (Virginia Documents / Study Guide):

--- Virginia Health Insurance Examination Outline, Field Underwriting

Question 6

If a patient with a preferred provider organization (PPO) chooses to use a non-PPO provider, the patient usually can expect:

ATo have higher out-of-pocket expenses

BTo pay the full cost of care

C100% reimbursement for the service provided

DA one-year waiting period before re-enrolling in the PPO

Answer : A

Detailed Answer in Step-by-Step Solution:

In a PPO, using a non-PPO provider (out-of-network) leads to higher out-of-pocket expenses (A) due to lower reimbursement rates and potential excess charges.

Option B (full cost) is inaccurate; some coverage applies. Option C (100% reimbursement) is false. Option D (waiting period) is unrelated.

The Virginia study guide reiterates that PPOs cover out-of-network care but at a reduced level, increasing the insured's costs compared to in-network use. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on 'Managed Care Plans.'

Question 7

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

AThe applicant

BThe applicant's physician

CThe insurance agent

DThe medical laboratory technician

Answer : A

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.