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最新的 Virginia Insurance License Virginia-Life-Annuities-and-Health-Insurance 免費考試真題:

1. A health maintenance organization (HMO) must offer emergency health services:

A) Sixteen hours a day, seven days per week
B) Sixteen hours a day, six days per week
C) Twenty-four hours a day, six days per week
D) Twenty-four hours a day, seven days per week

2. All of the following statements about the installments for a fixed period settlement option in life insurance policies are true EXCEPT:

A) Each installment payment consists of both principal and interest
B) The amount of the periodic payment is based on the beneficiary's age
C) The longer the period of time, the smaller each installment
D) The beneficiary may elect this option unless the policyowner has specified otherwise

3. All of the following are underwriting criteria for individual life insurance EXCEPT:

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

4. Which contract provides an income benefit until the first of two annuitants dies?

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

5. An insured with a long-term care (LTC) policy knowingly and intentionally misrepresented relevant facts relating to the insured's health. How long does an insurer have to contest the coverage?

A) The insurer is prohibited from contesting the coverage
B) Any time during the duration of the policy
C) Any time up to six months
D) Any time up to two years

問題與答案：