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NEW QUESTION # 43
What kind of rider may be added to an individual disability income insurance policy to increase benefits during periods of price inflation?
Answer: D
Explanation:
Detailed Answer in Step-by-Step Solution:
* A cost of living (COLA) rider (B) adjusts disability income benefits to account for inflation, maintaining purchasing power.
* Inflation guard (A) is more common in property insurance. Price escalation (C) and wage protection (D) are not standard disability riders.
The Virginia study guide describes the COLA rider as an optional feature in disability income policies, increasing benefits based on inflation indices like the CPI. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Disability Insurance Riders."
NEW QUESTION # 44
Under the notice of claim provision, notice given to a health insurance company's agent is:
Answer: B
Explanation:
Detailed Answer in Step-by-Step Solution:
* The notice of claim provision typically deems notice to an agent as notice to the company (B), as agents act on the insurer's behalf.
* Options A (incomplete), C (not valid), and D (contrary) contradict standard practice unless the policy specifies otherwise.
The Virginia study guide, per NAIC model laws, confirms that notice to an agent satisfies the notice of claim requirement, equating it to notice to the insurer. Reference: Virginia Life, Annuities, andHealth Insurance study guide, section on "Health Insurance Claims Provisions."
NEW QUESTION # 45
All of the following statements about the installments for a fixed period settlement option in life insurance policies are true EXCEPT:
Answer: B
Explanation:
The fixed period settlement option in life insurance, per Virginia Code § 38.2-3115, pays the death benefit in equal installments over a set time (e.g., 10 years), determined by the policyowner or beneficiary if not restricted. Option B is true; a longer period spreads the principal and interest over more payments, reducing each installment (e.g., $100,000 over 20 years yields smaller paymentsthan over 5 years). Option C is true; payments blend principal and interest earned on the remaining proceeds held by the insurer. Option D is true; Virginia law allows beneficiaries to choose settlement options unless the policyowner locks in a method (e.g., via a policy endorsement). Option A is false; the payment amount depends on the proceeds, interest rate, and period length-not the beneficiary's age, which might influence a life income option instead. The study guide likely contrasts fixed period (time-based) with life annuity (age-based) options, using examples like $500 monthly for 10 years, making A the exception.
NEW QUESTION # 46
In long-term care insurance, the guarantee of insurability option provides the insured with the ability to:
Answer: D
Explanation:
Virginia Code § 38.2-5202 allows a guaranteed insurability option in LTC insurance, letting the insured buy additional coverage later (option A) without proving insurability, typically at set intervals or life events (e.g., inflation adjustment). Option B (replace with another insurer) isn't a policy feature; it's a market action.
Option C (lifetime extension) confuses with benefit periods, not insurability. Option D (fixed premium) relates to non-cancelable policies, not this rider. The study guide likely describes this with examples-e.g., adding $1,000 monthly benefit at age 70-emphasizing future flexibility, making A the correct ability.
NEW QUESTION # 47
An IRA owner names the spouse as beneficiary. Which is true if the owner dies before any distributions are made?
Answer: A
Explanation:
Detailed Answer in Step-by-Step Solution:
* If an IRA owner dies before distributions, the surviving spouse beneficiary can roll the IRA into their own IRA (B), treating it as their own and delaying distributions until their required beginning date.
* Option A (forfeited) is false; assets pass to the beneficiary. Options C and D apply to non-spouse beneficiaries under older rules, not spousal rollovers.
The Virginia study guide, per IRS rules, allows a surviving spouse to roll an inherited IRA into their own, avoiding immediate taxation or forced distributions. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Retirement Plans."
NEW QUESTION # 48
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