Rick Fisher Rick Fisher's Profile Page

Rick Fisher Rick Fisher

0 Course Enrolled • 0 Course Completed

Biography

Quiz 2025 Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance: Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Marvelous Reliable Exam Blueprint

The language which is easy to be understood and simple, Virginia-Life-Annuities-and-Health-Insurance exam questions are suitable for any learners no matter he or she is a student or the person who have worked for many years with profound experiences. So it is convenient for the learners to master the Virginia-Life-Annuities-and-Health-Insurance Guide Torrent and pass the exam in a short time. The amount of the examinee is large. For the office workers, they are both busy in their job and their family life; for the students, they possibly have to learn or do other things.

You can enter a better company and improve your salary if you obtain the certification for the exam. Virginia-Life-Annuities-and-Health-Insurance exam materials will help you pass the exam and get corresponding certification successfully. Virginia-Life-Annuities-and-Health-Insurance exam materials contain most of knowledge points for the exam, and you can have a good command of the knowledge points if you choose us. In addition, we offer you free demo for Virginia-Life-Annuities-and-Health-Insurance Exam Braindumps, and you can have a try before buying. We provided you with free update for 365 days, and the update version will be sent to your email automatically.

>> Virginia-Life-Annuities-and-Health-Insurance Reliable Exam Blueprint <<

Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Exam Dumps - Reliable Way To Get Success

To go with the changing neighborhood, we need to improve our efficiency of solving problems, which reflects in many aspect as well as dealing with exams. Our Virginia-Life-Annuities-and-Health-Insurance practice materials can help you realize it. To those time-sensitive exam candidates, our high-efficient Virginia-Life-Annuities-and-Health-Insurance actual tests comprised of important news will be best help. Only by practicing them on a regular base, you will see clear progress happened on you. Besides, rather than waiting for the gain of our Virginia-Life-Annuities-and-Health-Insurance practice materials, you can download them immediately after paying for it, so just begin your journey toward success now.

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q10-Q15):

NEW QUESTION # 10
Which contract provides an income benefit until the first of two annuitants dies?

A. A single life annuity
B. A temporary annuity
C. A joint life annuity
D. A joint and survivor annuity

Answer: C

Explanation:
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.

NEW QUESTION # 11
One premium payment covers which period of time in a single premium whole life policy?

A. To the insured's age 65
B. The full life of the policy
C. One year
D. One month

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* A single premium whole life policy is a type of permanent life insurance where the entire premium for the policy's lifetime coverage is paid in one lump sum at issuance.
* Unlike policies with recurring premiums (e.g., monthly or annual), this single payment funds the policy for the insured's full life (D).
* Options A (one month) and B (one year) apply to term or recurring premium policies.
* Option C (to age 65) might relate to limited-pay policies, not single premium ones.
Per the Virginia study guide, a single premium whole life policy requires one payment upfront, providing coverage for the insured's entire life and building immediate cash value. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Types of Life Insurance Policies."

NEW QUESTION # 12
Under Virginia standards for marketing long-term care coverage, all of these are prohibited sales practices EXCEPT:

A. Cold lead advertising
B. High pressure tactics
C. Replacing existing coverage
D. Twisting

Answer: A

Explanation:
Virginia Code § 38.2-5207 and 14VAC5-200-185 outline marketing standards for long-term care (LTC) insurance to protect consumers. Option A (twisting)-misrepresenting a policy to induce replacement-is prohibited as an unfair practice (Virginia Code § 38.2-502). Option C (high pressure tactics)-aggressive sales forcing quick decisions-violates ethical standards and is banned (14VAC5-200-40). Option B (replacing existing coverage) is incorrect as stated; replacement itself isn't prohibited but requires disclosure via a replacement notice (14VAC5-200-75), making it regulated, not banned outright-however, the question implies unauthorized or deceptive replacement, which is prohibited. Option D (cold lead advertising)- soliciting via broad, unsolicited leads (e.g., mailers)-is permitted if it complies with disclosure rules and isn' t deceptive (14VAC5-200-50). The study guide likely lists twisting and high pressure as unethical, with examples like misstating benefits, while allowing cold lead ads with proper labeling (e.g., "advertisement"), making D the exception.

NEW QUESTION # 13
All of the following are advantages of whole life insurance EXCEPT:

A. There is a cash value if the policy is terminated after a sufficient period of time
B. Policy loans may be available
C. Long-term protection is provided
D. The initial cost of coverage is lower than for an equivalent amount of term insurance

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* Whole life insurance offers policy loans (A), lifelong protection (B), and cash value (D), but its initial cost (C) is higher than term insurance for the same death benefit due to the savings component.
* Term insurance is cheaper initially, making C the exception.
The Virginia study guide highlights that whole life provides permanent coverage and cash value, but at a higher initial premium than term insurance, which offers temporary, lower-cost protection. Reference:
Virginia Life, Annuities, and Health Insurance study guide, section on "Types of Life Insurance."

NEW QUESTION # 14
The voluntary act of terminating an insurance contract is called:

A. Rejection
B. Finalization
C. Elimination
D. Cancellation

Answer: D

Explanation:
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.

NEW QUESTION # 15
......

As candidates, the quality must be your first consideration when buying Virginia-Life-Annuities-and-Health-Insurance learning materials. We have a professional team to collect the first-hand information for the exam. Our company have reliable channel for collecting Virginia-Life-Annuities-and-Health-Insurance learning materials. We can ensure you that Virginia-Life-Annuities-and-Health-Insurance exam materials you receiveare the latest version. We have strict requirements for the Virginia-Life-Annuities-and-Health-Insurance Questions and answers, and the correctness of the answers can be guaranteed. In order to serve our customers better, we offer free update for you, so that you can get the latest version timely.

Pdf Demo Virginia-Life-Annuities-and-Health-Insurance Download: https://www.newpassleader.com/Virginia-Insurance/Virginia-Life-Annuities-and-Health-Insurance-exam-preparation-materials.html

Choosing to participate in Virginia Insurance certification Virginia-Life-Annuities-and-Health-Insurance exam is a wise choice, because if you have a Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance authentication certificate, your salary and job position will be improved quickly and then your living standard will provide at the same time, Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Reliable Exam Blueprint And we do everything for satisfying our clients, Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Reliable Exam Blueprint Whether to pass the exam successfully, it consists not in how many materials you have seen, but in if you find the right method.

These components bloat the server, requiring the server to have more resources Valid Virginia-Life-Annuities-and-Health-Insurance Exam Labs to function than are needed for its main function, The following sorts of data are best suited for an array or for object: Arrays.

2025 100% Free Virginia-Life-Annuities-and-Health-Insurance –Updated 100% Free Reliable Exam Blueprint | Pdf Demo Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Download

Choosing to participate in Virginia Insurance Certification Virginia-Life-Annuities-and-Health-Insurance Exam is a wise choice, because if you have a Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance authentication certificate, your salary and job position Virginia-Life-Annuities-and-Health-Insurance will be improved quickly and then your living standard will provide at the same time.

And we do everything for satisfying our clients, Whether to Exam Virginia-Life-Annuities-and-Health-Insurance Overviews pass the exam successfully, it consists not in how many materials you have seen, but in if you find the right method.

Now, our Virginia-Life-Annuities-and-Health-Insurance practice materials can help you achieve your goals, NewPassLeader follows the career ethic of providing the first-class Virginia-Life-Annuities-and-Health-Insurance practice questions for you.

Lorem ipsum dolor sit amet, consectetur adipiscin.

Our Adress

Quick Links

Created by OnWeb Agency