Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance 問題集

質問 1：
If an individual health contract is issued on a conditionally renewable basis, the insurer has a right to refuse renewal:
A. For any reason stated or unstated
B. Because of changes in the covered individual's health status
C. When losses for the policy period exceed premiums
D. For specific reasons stated in the contract only
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 2：
Which is a restorative dental procedure?
A. The fitting of dentures
B. A root canal
C. A filling
D. An extraction
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 3：
(Which of the following is a characteristic of a profit-sharing retirement plan?)
A. Employers must determine a set contribution amount
B. Employees can opt out of participating
C. Employers may not offer other plans
D. Employees are unable to contribute
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 4：
Employer-paid premiums for qualified long-term care insurance are:
A. Deductible on an employee's federal income tax return
B. Included in an employee's gross income
C. Reimbursed by the employee
D. Deductible as a business expense
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 5：
What might be considered an unfair claims settlement practice?
A. Denying coverage for claims after a timely investigation
B. Compelling insureds to litigate claims where a real coverage dispute exists
C. Failing to promptly investigate and settle legitimate claims
D. Offering compromise settlements when facts are in question
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 6：
(All of the following statements about single premium whole life insurance policies are true EXCEPT:)
A. A large part of the premium is used to set up the policy's reserve
B. An immediate nonforfeiture value is created
C. An immediate cash value is created
D. An additional premium may be charged if inflation exceeds a stated rate
正解：D
解説: (Topexam メンバーにのみ表示されます)