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

1. A coordination of benefits provision is included in group health insurance to reduce:

A) Overinsurance
B) Probationary periods
C) Dependent coverage
D) Waiting periods

2. Assuming no indebtedness or dividend accumulations, how much will the insurer pay under a life insurance policy if the insured dies during the grace period without having paid the premium?

A) The face amount of the policy less the premium due
B) The face amount of the policy
C) The reduced amount of paid-up insurance provided under the nonforfeiture provisions
D) The cash value of the policy

3. Anything of value given to produce a contract is the definition of:

A) A covenant
B) A consideration
C) A grant
D) A codicil

4. 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) Long-term protection is provided
C) The initial cost of coverage is lower than for an equivalent amount of term insurance
D) Policy loans may be available

5. What type of insurance pays a lump sum benefit if an insured loses sight in both eyes?

A) Accidental death and dismemberment
B) Medical expense
C) Hospital expense
D) Major medical

問題與答案：