최신 Virginia-Life-Annuities-and-Health-Insurance 무료덤프 - Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01

A. An increase in face amount shortens the premium payment period when the policy provides whole life coverage

B. Simultaneous changes in face amount and in premium are within its capabilities

C. An increase in premium decreases future cash values

D. An increase in face amount lengthens the protection period when the policy provides term coverage

A. The insurer pays the benefits to the disabled individual

B. The policy proceeds are normally received income tax-free

C. The premiums are tax-deductible

D. The policyowner may not be the beneficiary

A. State securities authorities

B. State attorney general's office

C. Securities and Exchange Commission

D. Bureau of Insurance

A. High pressure tactics

B. Replacing existing coverage

C. Cold lead advertising

D. Twisting

A. Subrogation forms

B. Claim forms

C. Indemnity forms

D. Release forms

A. The policyowner may obtain additional term insurance at issue age rates without evidence of insurability

B. The policyowner may convert to an annuity at attained age rates only if evidence of insurability is provided

C. The policyowner may convert to permanent life insurance on an attained age basis without evidence of insurability

D. The policyowner may convert to another term policy of the insured's choice

A. Solicit, receive and forward applications to the insurer

B. Replace a policy without notifying the insurer

C. Approve the payment of a claim

D. Reinstate an insurance contract after the expiration date

A. Making false statements on an application for insurance

B. Encouraging a policyholder to replace a surrendered policy

C. Persuading an insured, to the insured's detriment, to switch policies

D. Encouraging an applicant to purchase insurance by offering a discount