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100% Pass 2025 Virginia Insurance Reliable Virginia-Life-Annuities-and-Health-Insurance: Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Latest Exam Notes

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New Release Virginia-Life-Annuities-and-Health-Insurance PDF Questions [2025] - Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Exam Dumps

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q62-Q67):

NEW QUESTION # 62
Needs analysis is a method of life insurance planning which:

A. Eliminates the need for estimating future interest and inflation rates
B. Ignores Social Security benefit payments
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 # 63
All of the following are elements of an insurable risk EXCEPT:

A. An ability to measure the loss
B. A large number of similar units
C. Speculative risk
D. Accidental loss

Answer: C

Explanation:
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."

NEW QUESTION # 64
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. Distributions must begin in the year after the deceased would have reached age 70½
C. All future distributions are forfeited
D. The surviving spouse can roll the account into another IRA

Answer: D

Explanation:
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."

NEW QUESTION # 65
Who usually selects the beneficiary of a life insurance policy?

A. The agent
B. The beneficiary
C. The policyowner
D. The insurer

Answer: C

Explanation:
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."

NEW QUESTION # 66
All of the following are underwriting criteria for individual life insurance EXCEPT:

A. Gender
B. Religion
C. Occupation
D. Ability to pay premiums

Answer: B

Explanation:
Virginia Code § 38.2-3107 governs life insurance underwriting, where insurers assess risk using factors like gender (option A, affecting mortality rates), occupation (option C, e.g., hazardous jobs increase risk), and ability to pay premiums (option D, ensuring policy sustainability). Option B (religion) is not a permissible criterion; Virginia Code § 38.2-211 prohibits unfair discrimination in insurance based on religion, race, or other protected traits, reflecting federal and state anti-discrimination laws. The study guide likely explains underwriting with examples-e.g., higher premiums for a male firefighter-but flags religion as an illegal factor, with case studies of compliance, making B the exception.

NEW QUESTION # 67
......

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