Question 1

Which type of health insurance helps to pay for the cost of care in cases where hospitalization is not required but the individuals are unable to care for themselves?

Options :

A : Medicare

B : Long-term care

C : Major medical

D : Disability income

Answer: B

Question 2

All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:

Options :

A : Well-baby checkups

B : Immunizations for children

C : Experimental surgery

D : Physical examinations

Answer: C

Question 3

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

Options :

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 4

Which is true about ownership of a deferred annuity contract?

Options :

A : All of the participants in a group contract are part-owners

B : Ownership rights are neither transferable nor assignable

C : An owner may be the annuitant or the beneficiary or neither

D : An owner’s rights take effect when the benefit payment phase begins

Answer: C

Question 5

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

Options :

A : The premium payor

B : The principal insured individual

C : The patient or parent of the patient

D : The insurer

Answer: D

Free Virginia-Life-Annuities-and-Health-Insurance Mock Exam – Practice Online Confidently

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