Virginia-Life-Annuities-and-Health-Insurance 試験問題を無料オンラインアクセス

Who usually selects the beneficiary of a life insurance policy?

• A.The agent
• B.The insurer
• C.The beneficiary
• D.The policyowner

Which term refers to the period of time from the beginning of confinement to the beginning of benefits under a long-term care insurance policy?

• A.The exclusion period
• B.The trial period
• C.The elimination period
• D.The qualifying period

Under Virginia standards for marketing long-term care coverage, all of these are prohibited sales practices EXCEPT:

• A.High pressure tactics
• B.Replacing existing coverage
• C.Cold lead advertising
• D.Twisting

Which expenses are covered by Medicare Part D?

• A.Medical
• B.Dental
• C.Prescription drug
• D.Hospital

For an AD&D policy with an irrevocable beneficiary designation, a change in the beneficiary can ONLY be made:

• A.When an absolute assignment is attached to the policy
• B.Upon the death of the current beneficiary
• C.At the time of policy renewal
• D.With the consent of both the policyowner and the beneficiary