更新された2026年03月公式問題Virginia-Life-Annuities-and-Health-Insurance認定にはVirginia-Life-Annuities-and-Health-Insurance問題集PDF
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質問 # 70
Which is an example of an endodontic service?
- A. Root canals
- B. Dentures
- C. Crowns
- D. Fillings
正解：A
解説：
Detailed Answer in Step-by-Step Solution:
* Endodontic services involve treatment of the tooth's interior (pulp and roots), with root canals (C) being a primary example.
* Crowns (A) and fillings (D) are restorative, not endodontic. Dentures (B) are prosthetic, unrelated to endodontics.
The Virginia study guide classifies root canals as an endodontic procedure, distinct from restorative or prosthetic dental services, per standard dental insurance definitions. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Dental Insurance."
質問 # 71
Under an absolute assignment, a life insurance policyowner transfers:
- A. All policy ownership rights to a new owner
- B. Ownership rights as collateral for a loan
- C. The requirement to pay premiums to a third party
- D. Limited policy rights to another party
正解：A
解説：
Detailed Answer in Step-by-Step Solution:
* An absolute assignment transfers all ownership rights (C) of a life insurance policy to a new owner, relinquishing the original owner's control.
* Option A (limited rights) is a partial assignment. Option B (premium payment) is not ownership.
Option D (collateral) is a collateral assignment, not absolute.
The Virginia study guide defines absolute assignment as the complete transfer of all policy rights to a new owner, distinct from collateral assignments for loans. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Policy Assignments."
質問 # 72
A health insurer must generally pay for all of the following types of claims EXCEPT:
- A. Those related to mental or nervous disorders
- B. Those less than $20 above the deductible amount
- C. Those incurred before termination of coverage
- D. Those incurred after termination of coverage
正解：D
解説：
Detailed Answer in Step-by-Step Solution:
* Health insurance covers claims incurred during the policy period (A), not after termination (B), unless extended benefits (e.g., COBRA) apply, which is not indicated here.
* Claims above the deductible (C), regardless of amount, are payable if covered.
* Mental or nervous disorder claims (D) are typically covered unless excluded by the policy, which is not specified.
* Thus, claims after termination (B) are the exception.
The Virginia study guide states that health insurance liability ends upon policy termination, barring specific continuation provisions, making post-termination claims generally non-payable. Reference:Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Coverage Terms."
質問 # 73
Which is a lawful cause for cancellation of an individual long-term care insurance policy by the insurer?
- A. Nuisance claims
- B. Medicaid eligibility
- C. Insurer insolvency
- D. Nonpayment of premium
正解：D
解説：
Virginia Code § 38.2-5208 allows LTC policy cancellation by the insurer for nonpayment of premium (option A) after a 31-day grace period and notice, a standard contract right. Option B (Medicaid eligibility) isn't a cancellation cause; it may coordinate benefits, not terminate coverage. Option C (insurer insolvency) affects payment ability, not lawful cancellation grounds. Option D (nuisance claims) isn't a legal basis; claims frequency doesn't void coverage unless fraudulent (Virginia Code § 38.2-309). The study guide likely lists nonpayment as the primary insurer-initiated cancellation reason, with examples like missed payments triggering notice, making A the lawful cause.
質問 # 74
An insurer operating in the U.S. but headquartered outside the U.S. is:
- A. A reciprocal insurance exchange
- B. A foreign insurer
- C. An alien insurer
- D. A captive insurer
正解：C
解説：
Detailed Answer in Step-by-Step Solution:
* An alien insurer (B) is headquartered outside the U.S. but licensed to operate within it, distinguishing it from a foreign insurer (A), which is domiciled in another U.S. state.
* A captive insurer (C) insures its parent company, and a reciprocal exchange (D) is a mutual insurance structure, neither based on location.
The Virginia study guide defines an alien insurer as one incorporated outside the U.S., operating under state licensing, per standard insurance terminology. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Insurance Company Types."
質問 # 75
All changes and corrections made to an application for health insurance by an agent must be initialed by the:
- A. Insurance company underwriter
- B. Applicant
- C. Agent
- D. Applicant's physician
正解：B
解説：
Virginia Code § 38.2-3501 governs health insurance applications, requiring accuracy and applicant consent.
Changes or corrections by an agent (e.g., fixing a misspelled name) must be initialed by the applicant (option B) to verify agreement, as the application becomes part of the contract (Virginia Code § 38.2-3503). Option A (agent) initialing alone risks unauthorized alterations. Option C (physician) is irrelevant; medical input isn't standard for application edits. Option D (underwriter) assesses, not corrects, applications post-submission.
The study guide likely stresses this consumer protection rule, with examples-e.g., an agent correcting a birthdate, initialed by the applicant-ensuring transparency, making B the correct party.
質問 # 76
A licensed agent must report a felony conviction to the Commission within how many calendar days?
- A. 30 days
- B. 60 days
- C. 20 days
- D. 10 days
正解：A
解説：
Virginia Code § 38.2-1826(C) requires licensees, including insurance agents, to report any felony conviction to the State Corporation Commission's Bureau of Insurance within 30 calendar days of the final disposition (option C). "Final disposition" means the court's conclusive ruling-e.g., sentencing after a guilty plea. This rule ensures the Bureau can assess the agent's fitness to retain their license, protecting the public from untrustworthy practitioners. Option A (10 days) is too short and not specified in Virginia law for this purpose.
Option B (20 days) lacks statutory support and falls between standard reporting periods. Option D (60 days) exceeds the mandated timeline, delaying oversight. The study guide likely highlights this 30-day deadline in a licensing compliance section, with examples-e.g., an agent convicted of fraud on June 1 must report by July
1-aligning with Virginia's adoption of NAIC standards for licensee integrity (Virginia Code § 38.2-1800 et seq.), making C the precise requirement.
質問 # 77
Which benefit is usually excluded from major medical plan coverage?
- A. Physicians' visits
- B. Hospital expense
- C. Custodial care
- D. Surgical expense
正解：C
解説：
Virginia Code § 38.2-3500 et seq. governs major medical plans, which cover catastrophic costs like hospital expenses (option A), physicians' visits (option C), and surgical expenses (option D). Option B (custodial care)
-non-medical assistance with daily living (e.g., bathing)-is typically excluded, as it's not "medically necessary" under standard definitions (Virginia Code § 38.2-3407.10). The study guide likely lists inclusions (A, C, D) with examples-e.g., $5,000 for surgery-versus exclusions like custodial care, covered by LTC policies instead, making B the usual exception.
質問 # 78
Including a guaranteed insurability rider on a life insurance policy means that:
- A. The policyowner may purchase additional life insurance periodically without proving insurability.
- B. Any extra premium charged for a health impairment will be discontinued if standard insurability is proved later.
- C. The company will require evidence of insurability for any future purchase of life insurance.
- D. The original policy was sold on a non-medical basis.
正解：A
解説：
Virginia Code § 38.2-3209 allows a guaranteed insurability rider, enabling the policyowner to buy additional coverage at specified intervals (e.g., every 3 years or life events like marriage) without proving insurability.
Option D matches this definition. Option A is unrelated; non-medical underwriting isn't implied. Option B contradicts the rider's purpose, which waives insurability proof. Option C is false; premium adjustments aren' t part of this rider. The study guide describes this rider as a planning tool for future needs, confirming D.
質問 # 79
An IRA owner names the spouse as beneficiary. Which is true if the owner dies before any distributions are made?
- A. Distributions must begin within six months of the decedent's death
- B. All future distributions are forfeited
- C. Distributions must begin in the year after the deceased would have reached age 70½
- D. The surviving spouse can roll the account into another IRA
正解：D
解説：
Detailed Answer in Step-by-Step Solution:
* If an IRA owner dies before distributions, the surviving spouse beneficiary can roll the IRA into their own IRA (B), treating it as their own and delaying distributions until their required beginning date.
* Option A (forfeited) is false; assets pass to the beneficiary. Options C and D apply to non-spouse beneficiaries under older rules, not spousal rollovers.
The Virginia study guide, per IRS rules, allows a surviving spouse to roll an inherited IRA into their own, avoiding immediate taxation or forced distributions. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Retirement Plans."
質問 # 80
Who usually selects the beneficiary of a life insurance policy?
- A. The policyowner
- B. The beneficiary
- C. The agent
- D. The insurer
正解：A
解説：
Detailed Answer in Step-by-Step Solution:
* The policyowner (A) has the right to designate the beneficiary, as they control the policy's terms and ownership rights.
* The insurer (B) issues the policy, the beneficiary (C) receives proceeds, and the agent (D) facilitates but doesn't decide.
The Virginia study guide confirms that the policyowner selects the beneficiary, exercising a fundamental ownership right, unless assigned otherwise. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Beneficiary Designations."
質問 # 81
The prevention and correction of dental and oral irregularities through the use of mechanical corrective devices is called:
- A. Periodontics
- B. Orthodontics
- C. Prosthodontics
- D. Endodontics
正解：B
解説：
In the context of health insurance, particularly dental coverage, Virginia Code § 38.2-3407.1 et seq. governs mandated benefits, though dental specifics often appear in policy riders or standalone plans. Orthodontics (option A) is the branch of dentistry focused on preventing and correcting irregularities of the teeth and jaws using mechanical devices like braces or aligners, precisely matching the question's description. Endodontics (option B) deals with the tooth's interior (e.g., root canals), not mechanical correction of alignment.
Periodontics (option C) addresses gum diseases and supporting structures, not tooth positioning.
Prosthodontics (option D) involves replacing missing teeth with prosthetics (e.g., dentures), not correcting irregularities mechanically. The study guide likely defines these terms in a health insurance section, emphasizing orthodontics' role in alignment correction-both preventive (e.g., avoiding bite issues) and corrective-making A the clear answer. Examples like braces for malocclusion reinforce this distinction from other specialties.
質問 # 82
The voluntary act of terminating an insurance contract is called:
- A. Cancellation
- B. Finalization
- C. Elimination
- D. Rejection
正解：A
解説：
Cancellation, per Virginia Code § 38.2-3106 (life) and § 38.2-3508 (health), is the voluntary termination of a policy by the insured or insurer. Options A, B, and C aren't standard terms for this action in Virginia insurance law. The study guide defines cancellation as a deliberate act, distinct from lapse (nonpayment) or nonrenewal, making D the correct term.
質問 # 83
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
正解：A
解説：
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."
質問 # 84
A typical disability income insurance policy EXCLUDES benefits for which one of the following causes of loss?
- A. Sporting accidents
- B. Falls
- C. Permanent injuries
- D. Intentional self-inflicted injuries
正解：D
解説：
Detailed Answer in Step-by-Step Solution:
* Disability income policies exclude benefits for intentional self-inflicted injuries (B) to prevent abuse or fraud.
* Permanent injuries (A), sporting accidents (C), and falls (D) are typically covered unless specifically excluded by the policy.
The Virginia study guide states that disability income insurance excludes self-inflicted injuries as a standard provision to ensure coverage applies to unforeseen events. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Disability Income Insurance."
質問 # 85
The overall authority of an insurance agent includes all of the following EXCEPT:
- A. Express or specific authority
- B. Apparent authority
- C. Residual authority
- D. Implied authority
正解：C
解説：
Virginia insurance law (Title 38.2, Chapter 18) recognizes three types of agent authority: express, implied, and apparent. Express authority (option B) is explicitly granted by the insurer in the agency agreement (e.g., soliciting policies), per Virginia Code § 38.2-1800 et seq. Implied authority (option C) is unwritten power to perform incidental acts necessary for express duties (e.g., collecting premiums). Apparent authority (option A) arises when a third party reasonably believes the agent has authority based on the insurer's actions (e.g., providing branded materials), binding the insurer legally. Option D (residual authority) is not a recognized term in Virginia insurance or agency law; "residual" might relate to markets or benefits elsewhere, but not agent authority. The study guide likely outlines these three authorities with examples, excluding D as a fabricated or irrelevant concept, making it the exception.
質問 # 86
When a small employer health insurance plan is offered, it must be available:
- A. Only to employees under age 65
- B. To all eligible employees after a 12-month waiting period
- C. Only to employees who provide evidence of insurability
- D. To all eligible employees who apply
正解：D
解説：
Virginia Code § 38.2-3431 et seq., aligned with the ACA, requires small employer health plans (1-50 employees) to offer coverage to all eligible employees who apply, without discrimination based on health status or other factors. "Eligible" typically means full-time employees meeting the employer's criteria (e.g.,
30+ hours/week). Option A reflects this guaranteed issue mandate, ensuring broad access. Option B (12- month waiting period) is false; Virginia and federal law cap waiting periods at 90 days (Virginia Code § 38.2-
3445), not 12 months. Option C (evidence ofinsurability) contradicts guaranteed issue rules for small groups, which prohibit medical underwriting. Option D (under age 65) is incorrect; coverage extends to all eligible employees regardless of age, though Medicare coordination may apply post-65. The study guide likely stresses this inclusivity as a cornerstone of small group market reforms, making A the correct answer.
質問 # 87
Which contract provides an income benefit until the first of two annuitants dies?
- A. A joint and survivor annuity
- B. A joint life annuity
- C. A single life annuity
- D. A temporary annuity
正解：B
解説：
Virginia Code § 38.2-3100 et seq. governs annuities. A joint life annuity (option C) pays income until the first of two annuitants dies, then ceases-ideal for temporary dual coverage. Option A (joint and survivor annuity) continues payments until the last survivor dies, not stopping at the first death. Option B (temporary annuity) pays for a fixed term (e.g., 10 years), regardless of death, and isn't tied to two lives. Option D (single life annuity) covers one person until their death, not two. The study guide likely defines these with examples-e.
g., a couple receiving $1,000 monthly until one dies (joint life) versus until both die (joint and survivor)- highlighting C's "first death" cutoff, making it the correct answer.
質問 # 88
An agreement attached to a health insurance policy which alters either the terms of the policy or the coverage is called:
- A. A limit clause
- B. A rider
- C. An insuring clause
- D. An attachment
正解：B
解説：
Virginia Code § 38.2-3500 et seq. allows health insurance policies to include riders-supplemental agreements modifying coverage or terms (e.g., adding dental benefits or exclusions). Option D (rider) is the standard term. Option A (limit clause) isn't a distinct attachment; limits are within thepolicy. Option B (attachment) is vague and not insurance-specific. Option C (insuring clause) is the core promise of coverage, not an alteration. The study guide likely defines riders with examples-e.g., a maternity rider increasing premiums-distinguishing them from policy staples, confirming D as the answer.
質問 # 89
One characteristic of flexible premium life insurance is that payment of the premium can be altered at the option of:
- A. The policyowner
- B. The contingent beneficiary
- C. The insurer, if the prime interest rate falls below 6%
- D. The insurer, if the Consumer Price Index has risen at least 10% over the past year
正解：A
解説：
Flexible premium life insurance, such as universal life (Virginia Code § 38.2-3113.1), allows the policyowner to adjust premium payments within policy limits (e.g., minimum to maintain coverage, maximum for tax advantages), offering flexibility over fixed-premium plans like whole life. Option A correctly identifies the policyowner as the decision-maker. Option B (contingent beneficiary) is false; beneficiaries have no control over premiums. Options C and D tie adjustments to economic indices (CPI, interest rates), but Virginia law and standard policies don't grant insurers unilateral premium-changing rights based on these factors- flexibility is the policyowner's prerogative, subject to cash value sufficiency. The study guide likely contrasts this with traditional policies, using examples of skipped or increased payments, confirming A as the defining trait.
質問 # 90
An individual or business entity conducting business under an assumed or fictitious name must notify the Bureau of Insurance either at the time the license application is filed or:
- A. Within 30 calendar days from the date the name is adopted
- B. At the time of license renewal
- C. Within 60 calendar days from when the first policy is sold under the assumed name
- D. 30 days before the assumed name is no longer being used
正解：A
解説：
Virginia Code § 38.2-1820 requires licensees (agents, agencies, or other entities) operating under an assumed or fictitious name to register that name with the Bureau of Insurance. This ensures transparency and consumer protection by linking all business names to the licensed entity. The statute specifies notification either at the time of license application or within 30 calendar days after adopting the assumed name, making option A correct. This timeline allows the Bureau to update records promptly without undue delay. Option B (60 days from first policy sale) introduces an unrelated trigger-policy sales-and extends the period beyond Virginia' s requirement, making it incorrect. Option C (license renewal) delays notification unnecessarily, as renewals occur biennially (Virginia Code § 38.2-1822), conflicting with the need for timely registration. Option D (30 days before discontinuing the name) is illogical; notification is required when adopting, not abandoning, a name. The study guide likely stresses this 30-day rule to ensure compliance with Virginia's licensing oversight, reinforcing A as the precise answer based on regulatory intent and practice.
質問 # 91
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
正解：D
解説：
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."
質問 # 92
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