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今日の社会では、能力を高めるために証明書を取得することを優先する人がますます増えています。 Virginia Insuranceまったく新しい観点から、JPNTestのVirginia-Life-Annuities-and-Health-Insurance学習資料は、Virginia-Life-Annuities-and-Health-Insurance認定の取得を目指すほとんどのオフィスワーカーに役立つように設計されています。当社のVirginia-Life-Annuities-and-Health-Insuranceテストガイドは、現代の人材開発に歩調を合わせ、すべての学習者を社会のニーズに適合させます。 Virginia Life, Annuities, and Health Insurance Examination Series 11-01の最新の質問が、関連する知識の蓄積と能力強化のための最初の選択肢になることは間違いありません。

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当社Virginia InsuranceのVirginia-Life-Annuities-and-Health-Insurance試験トレントはPDF、ソフトウェア、オンライン3モードで利用できます。これにより、学習教材を紙、携帯電話、またはコンピューターで切り替え、Virginia-Life-Annuities-and-Health-Insuranceの対応するバージョンでいつでもどこでも学習できます。模擬試験。システムを購入する前に、Virginia-Life-Annuities-and-Health-Insurance模擬テストにより無料の試用サービスが提供されるため、Virginia Life, Annuities, and Health Insurance Examination Series 11-01顧客は購入前にシステムを完全に理解できます。オンライン支払いが成功した後、5〜10分でカスタマーサービスからメールを受信し、すぐにVirginia-Life-Annuities-and-Health-Insuranceトレーニング準備を学び始めます。

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 認定 Virginia-Life-Annuities-and-Health-Insurance 試験問題 (Q101-Q106):

質問 # 101
The unwritten authority of an agent to perform incidental acts necessary to fulfill the purpose of the agency agreement is:

A. Nonexistent
B. Implied authority
C. Express authority
D. Mandated authority

正解：B

解説：
The concept of agency authority is foundational in Virginia insurance law, derived from general agency principles and reflected in Title 38.2, Chapter 18. Express authority is explicitly granted in the agency agreement (e.g., soliciting and binding coverage), per Virginia Code § 38.2-1800 et seq. Implied authority, however, is not written but assumed to be necessary for carrying out express duties-such as scheduling client meetings or collecting initial premiums-unless restricted by the insurer. "Mandated authority" (option B) is not a recognized term in Virginia insurance regulations or study materials. Option C (express authority) is incorrect because it's explicitly stated, not unwritten. Option D (nonexistent) denies the presence of authority, which contradicts the question's premise. The Virginia Life, Annuities, and Health Insurance study guide likely highlights implied authority as a key concept for agents' day-to-day operations, making A the correct answer.

質問 # 102
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 cash value of the policy
C. The face amount of the policy
D. The reduced amount of paid-up insurance provided under the nonforfeiture provisions

正解：C

解説：
Detailed Answer in Step-by-Step Solution:
* The grace period in a life insurance policy (typically 30 or 31 days) allows the policy to remain in force even if the premium is unpaid, provided the insured dies during this period.
* If death occurs during the grace period, the insurer must pay the full death benefit (face amount), minus any unpaid premium, but only if explicitly stated. In this question, no indebtedness or dividends complicate the scenario, and standard practice assumes full payment unless otherwise specified.
* Option B (cash value) applies to surrender, not death claims.
* Option C (face amount less premium due) is a possibility in some policies, but absent specific policy language here, the default is full payment.
* Option D (nonforfeiture provisions) applies if the policy lapses, not during the grace period.
* Thus, the insurer pays the face amount (A).
The Virginia study guide states that the grace period provision protects the policyholder by keeping coverage active for a short period after a missed premium, and upon death during this time, the full face amount is payable unless loans or specific deductions apply. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Standard Policy Provisions - Grace Period."

質問 # 103
When an HIV test is requested by a health insurer, who signs the consent form?

A. The applicant's physician
B. The applicant
C. The insurance agent
D. The medical laboratory technician

正解：B

解説：
Virginia Code § 38.2-600 requires written consent for HIV testing in insurance underwriting, signed by the applicant (option A) to comply with privacy laws (e.g., Virginia Code § 32.1-36.1). This ensures the individual authorizes the test, protecting their rights. Option B (physician) may order tests but doesn't consent for insurance. Option C (agent) facilitates but can't consent. Option D (technician) performs the test, not authorizes it. The study guide likely stresses this consent process in a privacy section, with examples of applicants signing before blood draws, making A the correct party.

質問 # 104
Renewal of small employer health insurance plans may be denied for all of the following reasons EXCEPT:

A. Having less than the required number of participants
B. Overuse of physician and hospital services
C. Nonpayment of premiums
D. Fraud by the employer

正解：B

解説：
Virginia Code § 38.2-3432.1, aligned with the Affordable Care Act (ACA), mandates guaranteed renewability for small employer health plans (1-50 employees in Virginia). Insurers can deny renewal for nonpayment of premiums (option A), insufficient participants (option B, e.g., falling below one eligible employee), or fraud (option D), per Virginia Code § 38.2-3407. However, option C-overuse of services (high claims)-a-is not a permissible reason for denial, as renewability cannot be based on claims experience or health status. The study guide emphasizes this protection under Virginia's small group market rules, making C the exception.

質問 # 105
Which is true about a joint and survivor annuity?

A. The benefits cease when the surviving annuitant reaches life expectancy.
B. It is a combination of an annuity and whole life insurance.
C. The benefits are payable throughout the lifetimes of two or more people.
D. Each annuitant must provide evidence of insurability.

正解：C

解説：
A joint and survivor annuity, as outlined in Virginia Code § 38.2-3100 et seq., is an annuity contract that pays benefits as long as at least one of the named annuitants (typically two, such as spouses) is alive. Option A accurately reflects this, stating benefits continue throughout their lifetimes, ceasing only upon the last survivor's death. Option B is false because payments aren't tied to life expectancy but to actual survival, per standard annuity terms in the study guide. Option C is incorrect; an annuity provides income, while whole life insurance offers a death benefit-combining them is a different product (e.g., a universal life policy), not a joint and survivor annuity. Option D is wrong because annuities, unlike life insurance, don't typically require evidence of insurability, as they're based on longevity, not mortality risk (Virginia Code § 38.2-3113). The study guide emphasizes the lifetime payment feature as the defining trait, confirming A.

質問 # 106
......

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