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Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance試験問題集で[2026年最新] 練習 高合格率な試験問題集問題
質問 # 14
Under which type of policy are benefit payments treated as taxable income?
- A. Key person disability income
- B. Business overhead expense
- C. Individual disability income
- D. Disability buy-sell
正解：C
解説：
Detailed Answer in Step-by-Step Solution:
* Individual disability income (C) benefits are taxable if the insured paid premiums with pre-tax dollars (e.g., employer-paid), but tax-free if paid with after-tax dollars. The question implies taxable benefits, typical when premiums are deductible.
* Business overhead expense (A), disability buy-sell (B), and key person disability (D)benefits are generally tax-free to the business or recipient, as premiums are not deductible.
The Virginia study guide, per IRS rules, states that individual disability income benefits are taxable if premiums were paid pre-tax (e.g., by an employer), unlike business-related disability policies where benefits serve specific tax-exempt purposes. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Taxation of Insurance Benefits."
質問 # 15
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. Nonpayment of premiums
- C. Overuse of physician and hospital services
- D. Fraud by the employer
正解：C
解説：
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.
質問 # 16
All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:
- A. Discounts on local health spa memberships
- B. Outpatient medical services
- C. Wellness programs
- D. Twenty-four hour access to emergency care
正解：A
解説：
Virginia Code § 38.2-4306 mandates HMO benefits, focusing on comprehensive care. Option A (wellness programs) is common, promoting prevention (e.g., smoking cessation). Option C (24-hour emergency care) is required, ensuring access via PCP coordination or direct ER services. Option D (outpatient services) is standard, covering clinic visits. Option B (discounts on local health spa memberships) isn't a typical HMO feature; while some plans offer wellness incentives, spa discounts are ancillary, not a core benefit under Virginia law or NAIC HMO models. The study guide likely lists HMO staples (A, C, D) with examples-e.g., annual checkups (D)-contrasting them with optional perks like B, making it the exception.
質問 # 17
An information security program shall be designed to do all of the following, EXCEPT:
- A. Protect against unauthorized access to the information
- B. Protect against any anticipated threats or hazards to the integrity of the information
- C. Ensure policyholder access to their information without substantial inconvenience
- D. Ensure the confidentiality of policyholder information
正解：C
解説：
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.
質問 # 18
Which policy provision allows an employee to change from group coverage to an individual life insurance policy?
- A. Incontestability
- B. Nonforfeiture
- C. Assignment
- D. Conversion
正解：D
解説：
Virginia Code § 38.2-3330 requires group life insurance policies to include a conversion provision,allowing an employee to convert group coverage to an individual policy without evidence of insurability, typically within 31 days after termination of employment or group eligibility. Option B (conversion) directly describes this right, ensuring continued protection. Option A (nonforfeiture) applies to cash value options (e.g., reduced paid-up insurance) in individual policies, not group-to-individual transitions. Option C (assignment) transfers policy ownership, unrelated to conversion. Option D (incontestability) limits the insurer's ability to deny claims after a period (e.g., 2 years), not a conversion mechanism. The study guide likely highlights conversion as a key group life feature, with scenarios like an employee leaving a job and converting to a whole life policy, making B the precise answer.
質問 # 19
A typical disability income insurance policy EXCLUDES benefits for which one of the following causes of loss?
- A. Intentional self-inflicted injuries
- B. Falls
- C. Sporting accidents
- D. Permanent injuries
正解：A
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 # 20
A group health insurance contract is between the:
- A. Employer, employees, and insurance company
- B. Employer and insurance company
- C. Employer and employees
- D. Employee and insurance company
正解：B
解説：
Detailed Answer in Step-by-Step Solution:
* A group health insurance contract is a legal agreement between the employer (policyholder) and the insurance company (C), with employees as covered participants, not direct parties to the contract.
* Option A (employer and employees) is the employment relationship, not the insurance contract. Option B (employee and insurer) applies to individual policies. Option D (all three) overcomplicates the contractual relationship.
The Virginia study guide states that group insurance contracts are issued to the employer or group sponsor, who contracts with the insurer, while employees receive certificates of coverage. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Group Insurance."
質問 # 21
All of the following are elements of an insurable risk EXCEPT:
- A. Accidental loss
- B. A large number of similar units
- C. An ability to measure the loss
- D. Speculative risk
正解：D
解説：
Detailed Answer in Step-by-Step Solution:
* Insurable risks require accidental loss (B), a large number of similar exposure units (C), and measurable loss (D) to allow statistical predictability and premium calculation.
* Speculative risk (A), like gambling or business ventures, involves potential gain or loss and is not insurable, as insurance covers only pure risk (loss only).
The Virginia study guide distinguishes pure risk (insurable) from speculative risk (uninsurable), listing accidental, measurable, and widespread exposure as key criteria. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Risk and Insurance."
質問 # 22
Including a guaranteed insurability rider on a life insurance policy means that:
- A. Any extra premium charged for a health impairment will be discontinued if standard insurability is proved later.
- B. The policyowner may purchase additional life insurance periodically without proving insurability.
- C. The original policy was sold on a non-medical basis.
- D. The company will require evidence of insurability for any future purchase of life insurance.
正解：B
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 # 23
The designation of a beneficiary by class in a life insurance policy means that:
- A. A primary beneficiary cannot be designated in the policy
- B. The beneficiaries are unrelated to the insured
- C. The policy must be a form of business life insurance
- D. Individual beneficiaries are not specified by name
正解：D
解説：
Detailed Answer in Step-by-Step Solution:
* Designating a beneficiary "by class" means identifying a group (e.g., "my children") rather than naming specific individuals (C).
* Option A (business life insurance) is unrelated to class designation.
* Option B (no primary beneficiary) is incorrect; a class can still be primary.
* Option D (unrelated beneficiaries) is not a requirement of class designation.
The Virginia study guide notes that a class designation identifies beneficiaries by a category (e.g., "spouse" or
"heirs") rather than specific names, offering flexibility. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Beneficiary Designations."
質問 # 24
Which is true about disability buy-sell insurance policies?
- A. The policy proceeds are normally received income tax-free
- B. The insurer pays the benefits to the disabled individual
- C. The premiums are tax-deductible
- D. The policyowner may not be the beneficiary
正解：A
解説：
Disability buy-sell insurance funds a business partner's buyout if one becomes disabled, per Virginia Code §
38.2-3100 et seq. Option C is true; proceeds are typically tax-free under IRC § 104(a)(3) as insurance benefits, not income, if premiums aren't deducted. Option A is false; the policyowner (e.g., a partner or business) is often the beneficiary to fund the buyout. Option B is false; benefits go to the business or partner, not the disabled individual, who may receive separate disability income coverage. Option D is false; premiums aren't tax-deductible (IRC § 265), preserving tax-free proceeds. The study guide likely explains this with scenarios-e.g., $500,000 paid tax-free to buy out a disabled partner-highlighting tax treatment, making C the true statement.
質問 # 25
No existing agent's license will be revoked until:
- A. At least three violations have been incurred
- B. A jury has decided upon such action
- C. A cease and desist order has been issued
- D. The agent has been afforded a right to a hearing on the charges
正解：D
解説：
Detailed Answer in Step-by-Step Solution:
* Virginia law requires due process, meaning an agent's license cannot be revoked until they've had a hearing (A) to contest the charges.
* Options B (three violations), C (jury), and D (cease and desist) are not prerequisites for revocation proceedings.
The Virginia study guide mandates that the Bureau of Insurance provide a hearing before revoking a license, ensuring fairness under state administrative law. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "License Regulation."
質問 # 26
The preventive medical care benefit sometimes provided in a Medicare supplement policy covers:
- A. Skilled nursing care
- B. Home health care
- C. Annual physical exams
- D. Hospitalization
正解：C
解説：
Detailed Answer in Step-by-Step Solution:
* Medicare supplement (Medigap) policies may include preventive care benefits like annual physical exams (D), which original Medicare doesn't fully cover.
* Home health (A), skilled nursing (B), and hospitalization (C) are covered by Medicare Parts A and B, not typically supplemental preventive benefits.
The Virginia study guide notes that some Medigap plans offer additional preventive services, such as annual exams, beyond Medicare's scope. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Supplement Insurance."
質問 # 27
An immediate annuity:
- A. Pays a lump sum benefit to the annuitant
- B. May be purchased in installments
- C. Normally permits tax-deductible contributions
- D. Lacks an accumulation period
正解：D
解説：
Detailed Answer in Step-by-Step Solution:
* An immediate annuity (C) begins payments shortly after a single premium is paid, lacking an accumulation period (the phase where funds build up, typical in deferred annuities).
* Option A (installments) applies to deferred annuities. Option B (lump sum) is not standard; annuities pay periodically. Option D (tax-deductible) is false; contributions are not deductible unless part of a qualified plan, not typical for immediate annuities.
The Virginia study guide defines an immediate annuity as one purchased with a single premium, with payments starting within one year, bypassing an accumulation phase. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Annuities."
質問 # 28
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 who apply
- C. Only to employees who provide evidence of insurability
- D. To all eligible employees after a 12-month waiting period
正解：B
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 # 29
All of the following statements about tax-sheltered annuities (TSAs) are true EXCEPT:
- A. They are also known as 403(b) plans.
- B. The annuitant may have an individual account or contract.
- C. The investment gain each year is included in the participant's gross income.
- D. Accumulation payments often come from voluntary salary reductions.
正解：C
解説：
Tax-sheltered annuities (TSAs), per IRC § 403(b) and Virginia Code § 38.2-3100 et seq., are retirement plans for nonprofit employees. Option A is true; they're synonymous with 403(b) plans. Option B is true; contributions often come from voluntary salary reductions, tax-deferred until withdrawal. Option C is true; participants can have individual contracts or accounts. Option D is false; investment gains are tax-deferred, not included in gross income annually, only taxed upondistribution. The study guide highlights TSAs' tax advantages, making D the incorrect statement.
質問 # 30
Claims settlement practices of insurers are regulated by:
- A. Claims adjusters
- B. The National Association of Insurance Commissioners
- C. The Internal Revenue Service
- D. State insurance departments
正解：D
解説：
Virginia Code § 38.2-510 regulates unfair claim settlement practices, enforced by the State Corporation Commission's Bureau of Insurance-a state insurance department (option D). This includes timely claim processing and fair payment, with penalties for violations. Option A (IRS) oversees tax compliance, not insurance claims. Option B (NAIC) develops model laws and guidelines (e.g., Unfair Claims Settlement Practices Act), but lacks enforcement power; states adopt and regulate these standards. Option C (claims adjusters) are practitioners, not regulators. The study guide likely emphasizes Virginia's Bureau as the authority, citing examples like investigating delayed claims, aligning with state-level oversight under § 38.2-
200 et seq., making D the correct regulator.
質問 # 31
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