Free Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Exam Questions

Become Virginia Insurance Certified with updated Virginia-Life-Annuities-and-Health-Insurance exam questions and correct answers

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Total 445 Questions | Updated On: Aug 18, 2026

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Question 1

When a health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?

A : The premium payor

B : The principal insured individual

C : The patient or parent of the patient

D : The insurer

Answer: D

Question 2

If an employee in poor health is part of a large group that is acceptable for group life insurance, that employee is:

A : Ineligible for coverage under the plan

B : Eligible for coverage, but on a rated basis

C : Eligible for the same type of coverage as other employees

D : Eligible for coverage more limited than that of other employees

Answer: C

Question 3

To cancel a health insurance policy, which one of the following must the insured do?

A : Notify the insurer in writing

B : Replace the current policy with another

C : Challenge at least two uniform mandatory provisions

Answer: A

Question 4

If an agent misleads or fails to adequately disclose the title and true nature of a policy offered to apotential insured, it may be considered:

A : Defamation

B : Unfair discrimination

C : Misrepresentation

D : Coercion

Answer: C

Question 5

Fixed annuities credit interest at a rate no lower than the:

A : Expected renewal interest rate

B : Contract guaranteed rate

C : Current prime rate

D : Front-end load rate

Answer: B

Page: 1 / 89

Total 445 Questions | Updated On: Aug 18, 2026

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