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 152 Questions | Updated On: Dec 17, 2025

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Question 1

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 2

In addition to the applicant, who signs an application for health insurance?

A : The applicant’s spouse

B : The applicant’s dependents

C : The inspection company representative

D : The agent

Answer: D

Question 3

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

A : Dependent coverage

B : Overinsurance

C : Probationary periods

D : Waiting periods

Answer: B

Question 4

When a Medicare Supplement policy is purchased during the open enrollment period:

A : The premium cost may be higher than usual

B : The benefits may be lower than usual

C : The exclusions may be more numerous than usual

D : The policy must be issued regardless of health status

Answer: D

Question 5

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

Page: 1 / 31

Total 152 Questions | Updated On: Dec 17, 2025

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