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Free Virginia-Life-Annuities-and-Health-Insurance Exam Braindumps
Virginia Life, Annuities, and Health Insuranceination Series 1101 Questions 116–120 (page: 25)

Updated On: 10-Feb-2026
Page 25 of 89
PDF with 440 Questions

An insurance company writing business in a state other than the one in which it is domiciled is called:

  1. A foreign insurer
  2. A domestic insurer
  3. An alien insurer
  4. A captive insurer

Answer(s): A

Explanation:

Detailed Answer in Step-by-Step Solution:
A foreign insurer (A) is an insurance company operating in a state other than its state of domicile (where it is incorporated).
A domestic insurer (B) operates in its home state. An alien insurer (C) is domiciled outside the U.S. A captive insurer (D) insures its parent company, not based on location.

The Virginia study guide defines a foreign insurer as one licensed to do business in Virginia but incorporated in another state, per insurance regulatory terminology.


Reference:

Virginia Life, Annuities, and Health Insurance study guide, section on "Insurance Company Types."



Nearly all citizens of the U.S.A., regardless of age, are eligible for Medicare Part B if they are:

  1. Retired permanently
  2. Eligible for Medicare Part A
  3. Uninsurable through commercial insurers
  4. "Fully insured" under Social Security

Answer(s): B

Explanation:

Detailed Answer in Step-by-Step Solution:
Medicare Part B eligibility generally requires enrollment in or eligibility for Part A (B), which covers hospital insurance and is tied to age (65+) or disability status, not just retirement (A) or insurability (C).
"Fully insured" under Social Security (D) relates to benefits but isn't a direct Part B requirement.

The Virginia study guide states that Medicare Part B is available to those eligible for Part A, typically U.S. citizens or residents aged 65 or disabled, regardless of other factors.


Reference:

Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Eligibility."



Which is an example of an endodontic service?

  1. Crowns
  2. Dentures
  3. Root canals
  4. Fillings

Answer(s): C

Explanation:

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."



Life insurance policies are required to have all of the following provisions EXCEPT:

  1. The waiver of premium clause
  2. The misstatement of age clause
  3. The grace period clause
  4. The incontestability clause

Answer(s): A

Explanation:

Detailed Answer in Step-by-Step Solution:
Life insurance policies must include a misstatement of age clause (B), grace period clause (C), and incontestability clause (D) as standard provisions under state law. The waiver of premium clause (A) is optional, typically a rider, not a required provision.

The Virginia study guide lists mandatory life insurance provisions (e.g., grace period, incontestability, misstatement of age) but notes that waiver of premium is an optional benefit, not required.


Reference:

Virginia Life, Annuities, and Health Insurance study guide, section on "Life Insurance Policy Provisions."



Disability income insurance policies usually provide coverage for loss of income resulting from:

  1. Self-inflicted injuries
  2. Injuries incurred while in military service
  3. Disability resulting from war
  4. Accidental injuries

Answer(s): D

Explanation:

Detailed Answer in Step-by-Step Solution:
Disability income insurance covers loss of income from accidental injuries (D), provided they aren't excluded.
Self-inflicted injuries (A), military service injuries (B), and war-related disabilities (C) are standard exclusions in most policies.

The Virginia study guide specifies that disability income insurance pays for accidental or illness- related income loss, excluding self-inflicted, military, or war-related causes.


Reference:

Virginia Life, Annuities, and Health Insurance study guide, section on "Disability Income Insurance."



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