Newsusas -

Karl White Karl White

0 Course Enrolled • 0 Course Completed

Biography

Virginia-Life-Annuities-and-Health-Insurance Intereactive Testing Engine - Virginia-Life-Annuities-and-Health-Insurance New Dumps Sheet

Virginia-Life-Annuities-and-Health-Insurance practice questions are stable and reliable exam questions provider for person who need them for their exam. We have been staying and growing in the market for a long time, and we will be here all the time, because the excellent quality and high pass rate of our Virginia-Life-Annuities-and-Health-Insurance training braindump. As for the safe environment and effective product, there are thousands of candidates are willing to choose our Virginia-Life-Annuities-and-Health-Insurance study guide, why don’t you have a try for our Virginia-Life-Annuities-and-Health-Insurance study material, never let you down!

Generally speaking, every candidate wants to pass the exam just one time. Virginia-Life-Annuities-and-Health-Insurance learning materials of us can do that for you. Since we have a professional team to collect and research the latest information for the exam, and therefore the quality can be guaranteed. We offer you free demo for Virginia-Life-Annuities-and-Health-Insurance Exam Materials to have a try, so that you can know what the complete version is like. Besides, we also pass guarantee and money back guarantee, and if you fail to pass the exam after using Virginia-Life-Annuities-and-Health-Insurance exam materials of us, we will give you refund.

>> Virginia-Life-Annuities-and-Health-Insurance Intereactive Testing Engine <<

Virginia-Life-Annuities-and-Health-Insurance New Dumps Sheet, Virginia-Life-Annuities-and-Health-Insurance Reliable Test Questions

For candidates who have little time to prepare for the exam, our Virginia-Life-Annuities-and-Health-Insurance exam dumps will be your best choice. With experienced professionals to edit, Virginia-Life-Annuities-and-Health-Insurance training materials are high-quality, they have covered most of knowledge points for the exam, if you choose, you can improve your efficiency. In addition, we have a professional team to collect and research the latest information for the Virginia-Life-Annuities-and-Health-Insurance Exam Materials. Free update for one year is available, and the update version for Virginia-Life-Annuities-and-Health-Insurance material will be sent to your email automatically.

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q48-Q53):

NEW QUESTION # 48
The overall authority of an insurance agent includes all of the following EXCEPT:

A. Implied authority
B. Apparent authority
C. Residual authority
D. Express or specific authority

Answer: C

Explanation:
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.

NEW QUESTION # 49
Needs analysis is a method of life insurance planning which:

A. Ignores Social Security benefit payments
B. Eliminates the need for estimating future interest and inflation rates
C. Requires the team effort of the agent and home office underwriter
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 # 50
What are long-term care insurance "ADL's"?

A. Aggregate dollar limits
B. Approved doctor lists
C. Aggregate days limitation
D. Activities of daily living

Answer: D

Explanation:
Virginia Code § 38.2-5200 defines ADLs (Activities of Daily Living, option C) as essential tasks-e.g., bathing, dressing, eating-used to determine LTC benefit eligibility (typically inability to perform 2 of 6).
Option A (aggregate dollar limits) refers to coverage caps, not ADLs. Option B(aggregate days limitation) might confuse with elimination periods, not ADLs. Option D (approved doctor lists) relates to provider networks, not functional criteria. The study guide likely details ADLs with examples-e.g., needing help with mobility-emphasizing their role in claims, making C the correct term.

NEW QUESTION # 51
Claims settlement practices of insurers are regulated by:

A. State insurance departments
B. Claims adjusters
C. The Internal Revenue Service
D. The National Association of Insurance Commissioners

Answer: A

Explanation:
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.

NEW QUESTION # 52
The benefit supplement attached to a life insurance policy which insures all members of a family is called a:

A. Spouse term rider
B. Children's term rider
C. Family term rider
D. Survivorship term rider

Answer: C

Explanation:
Virginia Code § 38.2-3109 allows life insurance riders to extend coverage. A family term rider (option C) attaches to a primary policy (e.g., the breadwinner's) and provides term insurance for all family members- spouse and children-under one supplement, often with a single premium. Option A (spouse term rider) covers only the spouse, not children. Option B (children's term rider) insures only children, excluding the spouse. Option D (survivorship term rider) isn't a standard term; "survivorship" typically refers to joint life policies paying at the second death, not family coverage. The study guide likely describes the family term rider as a cost-effective way to insure dependents, with examples showing level term benefits for each member, making C the accurate answer.

NEW QUESTION # 53
......

Success in the Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance exam paves the way toward high-paying jobs, promotions, and skills verification. Hundreds of Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance test takers do not get success because of using Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance outdated dumps. Due to failure, they lose money, time, and confidence. All these losses can be prevented by using updated and real Virginia-Life-Annuities-and-Health-Insurance exam.

Virginia-Life-Annuities-and-Health-Insurance New Dumps Sheet: https://www.examcollectionpass.com/Virginia-Insurance/Virginia-Life-Annuities-and-Health-Insurance-practice-exam-dumps.html

Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Intereactive Testing Engine Nowadays, more and more work requires us using the Internet technology to achieve our goal, We feel honored that you trust our Virginia-Life-Annuities-and-Health-Insurance test practice training, The quality & service of Virginia-Life-Annuities-and-Health-Insurance exam dumps will above your expectations, Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Intereactive Testing Engine Actually, learning also can become a pleasant process, Our IT experts have many years' experience about Virginia-Life-Annuities-and-Health-Insurance exam.

It seems to be in their nature, This book contains an outstanding litany Virginia-Life-Annuities-and-Health-Insurance and analysis of security exploits, aimed at security professionals seeking to understand their workings and how to mitigate them.

Pass Guaranteed Virginia Insurance - Virginia-Life-Annuities-and-Health-Insurance - Authoritative Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Intereactive Testing Engine

Nowadays, more and more work requires us using the Internet technology to achieve our goal, We feel honored that you trust our Virginia-Life-Annuities-and-Health-Insurance Test Practice training.

The quality & service of Virginia-Life-Annuities-and-Health-Insurance exam dumps will above your expectations, Actually, learning also can become a pleasant process, Our IT experts have many years' experience about Virginia-Life-Annuities-and-Health-Insurance exam.