{"id":99780,"date":"2025-04-22T03:47:30","date_gmt":"2025-04-22T03:47:30","guid":{"rendered":"https:\/\/www.dumpsbase.com\/freedumps\/?p=99780"},"modified":"2025-09-24T08:12:55","modified_gmt":"2025-09-24T08:12:55","slug":"real-virginia-life-annuities-and-health-insurance-dumps-v8-02-help-you-achieve-success-check-virginia-life-annuities-and-health-insurance-free-dumps-part-1-q1-q40-online","status":"publish","type":"post","link":"https:\/\/www.dumpsbase.com\/freedumps\/real-virginia-life-annuities-and-health-insurance-dumps-v8-02-help-you-achieve-success-check-virginia-life-annuities-and-health-insurance-free-dumps-part-1-q1-q40-online.html","title":{"rendered":"Real Virginia Life Annuities and Health Insurance Dumps (V8.02) Help You Achieve Success &#8211; Check Virginia Life Annuities and Health Insurance Free Dumps (Part 1, Q1-Q40) Online"},"content":{"rendered":"<p>How to pass your Virginia Life, Annuities, and Health Insurance Examination Series 11-01 exam successfully? You can have the real Virginia Life Annuities and Health Insurance dumps to prepare for your exam in a short time. We released the Virginia Life Annuities and Health Insurance dumps (V8.02), offering 150 practice exam questions and answers. Designed for efficient and effective exam preparation, the Virginia Life Annuities and Health Insurance dumps (V8.02) provide you with all the tools you need to pass the Series 11-01 exam on your first attempt. Whether you&#8217;re studying at home or on the go, DumpsBase gives you access to premium materials in PDF format and an interactive practice test engine, ensuring you\u2019re well-prepared and confident on exam day. To check the quality, you can read our free demos online. Today, let\u2019s share the Virginia Life Annuities and Health Insurance free dumps (Part 1, Q1-Q40) first.<\/p>\n<h2>Start reading the <em><span style=\"background-color: #ffff00;\">Virginia Life Annuities and Health Insurance free dumps (Part 1, Q1-Q40)<\/span><\/em> below:<\/h2>\n<script>\n\t  window.fbAsyncInit = function() {\n\t    FB.init({\n\t      appId            : '622169541470367',\n\t      autoLogAppEvents : true,\n\t      xfbml            : true,\n\t      version          : 'v3.1'\n\t    });\n\t  };\n\t\n\t  (function(d, s, id){\n\t     var js, fjs = d.getElementsByTagName(s)[0];\n\t     if (d.getElementById(id)) {return;}\n\t     js = d.createElement(s); js.id = id;\n\t     js.src = \"https:\/\/connect.facebook.net\/en_US\/sdk.js\";\n\t     fjs.parentNode.insertBefore(js, fjs);\n\t   }(document, 'script', 'facebook-jssdk'));\n\t<\/script><script type=\"text\/javascript\" >\ndocument.addEventListener(\"DOMContentLoaded\", function(event) { \nif(!window.jQuery) alert(\"The important jQuery library is not properly loaded in your site. Your WordPress theme is probably missing the essential wp_head() call. You can switch to another theme and you will see that the plugin works fine and this notice disappears. If you are still not sure what to do you can contact us for help.\");\n});\n<\/script>  \n  \n<div  id=\"watupro_quiz\" class=\"quiz-area single-page-quiz\">\n<p id=\"submittingExam9817\" style=\"display:none;text-align:center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\"><\/p>\n\n<div class=\"watupro-exam-description\" id=\"description-quiz-9817\"><\/div>\n\n<form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-9817\"  enctype=\"multipart\/form-data\" >\n<div class='watu-question ' id='question-1' style=';'><div id='questionWrap-1'  class='   watupro-question-id-391544'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>1. <\/span>For an AD&amp;D policy with an irrevocable beneficiary designation, a change in the beneficiary can ONLY be made:<\/div><input type='hidden' name='question_id[]' id='qID_1' value='391544' \/><input type='hidden' id='answerType391544' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391544[]' id='answer-id-1522549' class='answer   answerof-391544 ' value='1522549'   \/><label for='answer-id-1522549' id='answer-label-1522549' class=' answer'><span>At the time of policy renewal<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391544[]' id='answer-id-1522550' class='answer   answerof-391544 ' value='1522550'   \/><label for='answer-id-1522550' id='answer-label-1522550' class=' answer'><span>When an absolute assignment is attached to the policy<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391544[]' id='answer-id-1522551' class='answer   answerof-391544 ' value='1522551'   \/><label for='answer-id-1522551' id='answer-label-1522551' class=' answer'><span>Upon the death of the current beneficiary<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391544[]' id='answer-id-1522552' class='answer   answerof-391544 ' value='1522552'   \/><label for='answer-id-1522552' id='answer-label-1522552' class=' answer'><span>With the consent of both the policyowner and the beneficiary<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-2' style=';'><div id='questionWrap-2'  class='   watupro-question-id-391545'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>2. <\/span>Disability income insurance policies usually provide coverage for loss of income resulting from:<\/div><input type='hidden' name='question_id[]' id='qID_2' value='391545' \/><input type='hidden' id='answerType391545' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391545[]' id='answer-id-1522553' class='answer   answerof-391545 ' value='1522553'   \/><label for='answer-id-1522553' id='answer-label-1522553' class=' answer'><span>Self-inflicted injuries<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391545[]' id='answer-id-1522554' class='answer   answerof-391545 ' value='1522554'   \/><label for='answer-id-1522554' id='answer-label-1522554' class=' answer'><span>Injuries incurred while in military service<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391545[]' id='answer-id-1522555' class='answer   answerof-391545 ' value='1522555'   \/><label for='answer-id-1522555' id='answer-label-1522555' class=' answer'><span>Disability resulting from war<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391545[]' id='answer-id-1522556' class='answer   answerof-391545 ' value='1522556'   \/><label for='answer-id-1522556' id='answer-label-1522556' class=' answer'><span>Accidental injuries<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-3' style=';'><div id='questionWrap-3'  class='   watupro-question-id-391546'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>3. <\/span>The insurance with other insurers provision in an individual health insurance policy allows an insurer to pay benefits to the insureds on a pro-rata basis when the:<\/div><input type='hidden' name='question_id[]' id='qID_3' value='391546' \/><input type='hidden' id='answerType391546' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391546[]' id='answer-id-1522557' class='answer   answerof-391546 ' value='1522557'   \/><label for='answer-id-1522557' id='answer-label-1522557' class=' answer'><span>Policy is within 31 days of the renewal date<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391546[]' id='answer-id-1522558' class='answer   answerof-391546 ' value='1522558'   \/><label for='answer-id-1522558' id='answer-label-1522558' class=' answer'><span>Policy has entered into the grace period for premium payment<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391546[]' id='answer-id-1522559' class='answer   answerof-391546 ' value='1522559'   \/><label for='answer-id-1522559' id='answer-label-1522559' class=' answer'><span>Insurer was not notified prior to the claim that the insured has other health coverage<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391546[]' id='answer-id-1522560' class='answer   answerof-391546 ' value='1522560'   \/><label for='answer-id-1522560' id='answer-label-1522560' class=' answer'><span>Insured has submitted claims in excess of $2,000 during the policy year<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-4' style=';'><div id='questionWrap-4'  class='   watupro-question-id-391547'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>4. <\/span>When a health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?<\/div><input type='hidden' name='question_id[]' id='qID_4' value='391547' \/><input type='hidden' id='answerType391547' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391547[]' id='answer-id-1522561' class='answer   answerof-391547 ' value='1522561'   \/><label for='answer-id-1522561' id='answer-label-1522561' class=' answer'><span>The premium payor<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391547[]' id='answer-id-1522562' class='answer   answerof-391547 ' value='1522562'   \/><label for='answer-id-1522562' id='answer-label-1522562' class=' answer'><span>The principal insured individual<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391547[]' id='answer-id-1522563' class='answer   answerof-391547 ' value='1522563'   \/><label for='answer-id-1522563' id='answer-label-1522563' class=' answer'><span>The patient or parent of the patient<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391547[]' id='answer-id-1522564' class='answer   answerof-391547 ' value='1522564'   \/><label for='answer-id-1522564' id='answer-label-1522564' class=' answer'><span>The insurer<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-5' style=';'><div id='questionWrap-5'  class='   watupro-question-id-391548'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>5. <\/span>Under the notice of claim provision, notice given to a health insurance company\u2019s agent is:<\/div><input type='hidden' name='question_id[]' id='qID_5' value='391548' \/><input type='hidden' id='answerType391548' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391548[]' id='answer-id-1522565' class='answer   answerof-391548 ' value='1522565'   \/><label for='answer-id-1522565' id='answer-label-1522565' class=' answer'><span>An incomplete preliminary notice of claim<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391548[]' id='answer-id-1522566' class='answer   answerof-391548 ' value='1522566'   \/><label for='answer-id-1522566' id='answer-label-1522566' class=' answer'><span>Notice to the company<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391548[]' id='answer-id-1522567' class='answer   answerof-391548 ' value='1522567'   \/><label for='answer-id-1522567' id='answer-label-1522567' class=' answer'><span>Not valid notice to the company<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391548[]' id='answer-id-1522568' class='answer   answerof-391548 ' value='1522568'   \/><label for='answer-id-1522568' id='answer-label-1522568' class=' answer'><span>Contrary to the uniform mandatory provisions<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-6' style=';'><div id='questionWrap-6'  class='   watupro-question-id-391549'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>6. <\/span>Which policy provision allows an employee to change from group coverage to an individual life insurance policy?<\/div><input type='hidden' name='question_id[]' id='qID_6' value='391549' \/><input type='hidden' id='answerType391549' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391549[]' id='answer-id-1522569' class='answer   answerof-391549 ' value='1522569'   \/><label for='answer-id-1522569' id='answer-label-1522569' class=' answer'><span>Nonforfeiture<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391549[]' id='answer-id-1522570' class='answer   answerof-391549 ' value='1522570'   \/><label for='answer-id-1522570' id='answer-label-1522570' class=' answer'><span>Conversion<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391549[]' id='answer-id-1522571' class='answer   answerof-391549 ' value='1522571'   \/><label for='answer-id-1522571' id='answer-label-1522571' class=' answer'><span>Assignment<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391549[]' id='answer-id-1522572' class='answer   answerof-391549 ' value='1522572'   \/><label for='answer-id-1522572' id='answer-label-1522572' class=' answer'><span>Incontestability<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-7' style=';'><div id='questionWrap-7'  class='   watupro-question-id-391550'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>7. <\/span>All changes and corrections made to an application for health insurance by an agent must be initialed by the:<\/div><input type='hidden' name='question_id[]' id='qID_7' value='391550' \/><input type='hidden' id='answerType391550' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391550[]' id='answer-id-1522573' class='answer   answerof-391550 ' value='1522573'   \/><label for='answer-id-1522573' id='answer-label-1522573' class=' answer'><span>Agent<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391550[]' id='answer-id-1522574' class='answer   answerof-391550 ' value='1522574'   \/><label for='answer-id-1522574' id='answer-label-1522574' class=' answer'><span>Applicant<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391550[]' id='answer-id-1522575' class='answer   answerof-391550 ' value='1522575'   \/><label for='answer-id-1522575' id='answer-label-1522575' class=' answer'><span>Applicant\u2019s physician<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391550[]' id='answer-id-1522576' class='answer   answerof-391550 ' value='1522576'   \/><label for='answer-id-1522576' id='answer-label-1522576' class=' answer'><span>Insurance company underwriter<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-8' style=';'><div id='questionWrap-8'  class='   watupro-question-id-391551'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>8. <\/span>All of the following are dividend options in life insurance policies EXCEPT:<\/div><input type='hidden' name='question_id[]' id='qID_8' value='391551' \/><input type='hidden' id='answerType391551' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391551[]' id='answer-id-1522577' class='answer   answerof-391551 ' value='1522577'   \/><label for='answer-id-1522577' id='answer-label-1522577' class=' answer'><span>Applying the dividends to reduce the premium due<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391551[]' id='answer-id-1522578' class='answer   answerof-391551 ' value='1522578'   \/><label for='answer-id-1522578' id='answer-label-1522578' class=' answer'><span>Using the dividends to purchase additional paid-up life insurance<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391551[]' id='answer-id-1522579' class='answer   answerof-391551 ' value='1522579'   \/><label for='answer-id-1522579' id='answer-label-1522579' class=' answer'><span>Accumulating the dividends with interest<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391551[]' id='answer-id-1522580' class='answer   answerof-391551 ' value='1522580'   \/><label for='answer-id-1522580' id='answer-label-1522580' class=' answer'><span>Receiving the entire policy cash value<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-9' style=';'><div id='questionWrap-9'  class='   watupro-question-id-391552'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>9. <\/span>An immediate annuity:<\/div><input type='hidden' name='question_id[]' id='qID_9' value='391552' \/><input type='hidden' id='answerType391552' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391552[]' id='answer-id-1522581' class='answer   answerof-391552 ' value='1522581'   \/><label for='answer-id-1522581' id='answer-label-1522581' class=' answer'><span>May be purchased in installments<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391552[]' id='answer-id-1522582' class='answer   answerof-391552 ' value='1522582'   \/><label for='answer-id-1522582' id='answer-label-1522582' class=' answer'><span>Pays a lump sum benefit to the annuitant<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391552[]' id='answer-id-1522583' class='answer   answerof-391552 ' value='1522583'   \/><label for='answer-id-1522583' id='answer-label-1522583' class=' answer'><span>Lacks an accumulation period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391552[]' id='answer-id-1522584' class='answer   answerof-391552 ' value='1522584'   \/><label for='answer-id-1522584' id='answer-label-1522584' class=' answer'><span>Normally permits tax-deductible contributions<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-10' style=';'><div id='questionWrap-10'  class='   watupro-question-id-391553'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>10. <\/span>Giving policyholders some part of the agent\u2019s commission as an inducement to purchase insurance is an unfair trade practice known as:<\/div><input type='hidden' name='question_id[]' id='qID_10' value='391553' \/><input type='hidden' id='answerType391553' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391553[]' id='answer-id-1522585' class='answer   answerof-391553 ' value='1522585'   \/><label for='answer-id-1522585' id='answer-label-1522585' class=' answer'><span>Twisting<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391553[]' id='answer-id-1522586' class='answer   answerof-391553 ' value='1522586'   \/><label for='answer-id-1522586' id='answer-label-1522586' class=' answer'><span>Rebating<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391553[]' id='answer-id-1522587' class='answer   answerof-391553 ' value='1522587'   \/><label for='answer-id-1522587' id='answer-label-1522587' class=' answer'><span>Replacement<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391553[]' id='answer-id-1522588' class='answer   answerof-391553 ' value='1522588'   \/><label for='answer-id-1522588' id='answer-label-1522588' class=' answer'><span>Retention<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-11' style=';'><div id='questionWrap-11'  class='   watupro-question-id-391554'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>11. <\/span>The interest that an insurance company earns on life insurance premiums paid helps to:<\/div><input type='hidden' name='question_id[]' id='qID_11' value='391554' \/><input type='hidden' id='answerType391554' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391554[]' id='answer-id-1522589' class='answer   answerof-391554 ' value='1522589'   \/><label for='answer-id-1522589' id='answer-label-1522589' class=' answer'><span>Increase the life insurance premium rate<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391554[]' id='answer-id-1522590' class='answer   answerof-391554 ' value='1522590'   \/><label for='answer-id-1522590' id='answer-label-1522590' class=' answer'><span>Increase the mortality rate<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391554[]' id='answer-id-1522591' class='answer   answerof-391554 ' value='1522591'   \/><label for='answer-id-1522591' id='answer-label-1522591' class=' answer'><span>Decrease the life insurance premium rate<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391554[]' id='answer-id-1522592' class='answer   answerof-391554 ' value='1522592'   \/><label for='answer-id-1522592' id='answer-label-1522592' class=' answer'><span>Decrease the mortality rate<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-12' style=';'><div id='questionWrap-12'  class='   watupro-question-id-391555'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>12. <\/span>In individual health insurance, a proof of loss typically should be submitted to the insurer within:<\/div><input type='hidden' name='question_id[]' id='qID_12' value='391555' \/><input type='hidden' id='answerType391555' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391555[]' id='answer-id-1522593' class='answer   answerof-391555 ' value='1522593'   \/><label for='answer-id-1522593' id='answer-label-1522593' class=' answer'><span>30 days from the date of loss<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391555[]' id='answer-id-1522594' class='answer   answerof-391555 ' value='1522594'   \/><label for='answer-id-1522594' id='answer-label-1522594' class=' answer'><span>60 days from the date of loss<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391555[]' id='answer-id-1522595' class='answer   answerof-391555 ' value='1522595'   \/><label for='answer-id-1522595' id='answer-label-1522595' class=' answer'><span>90 days from the date of loss<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391555[]' id='answer-id-1522596' class='answer   answerof-391555 ' value='1522596'   \/><label for='answer-id-1522596' id='answer-label-1522596' class=' answer'><span>120 days from the date of loss<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-13' style=';'><div id='questionWrap-13'  class='   watupro-question-id-391556'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>13. <\/span>Which type of life insurance policy is designed to pay the balance of a thirty-year home mortgage loan in the event of the insured\u2019s death?<\/div><input type='hidden' name='question_id[]' id='qID_13' value='391556' \/><input type='hidden' id='answerType391556' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391556[]' id='answer-id-1522597' class='answer   answerof-391556 ' value='1522597'   \/><label for='answer-id-1522597' id='answer-label-1522597' class=' answer'><span>30-payment whole life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391556[]' id='answer-id-1522598' class='answer   answerof-391556 ' value='1522598'   \/><label for='answer-id-1522598' id='answer-label-1522598' class=' answer'><span>30-year decreasing term<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391556[]' id='answer-id-1522599' class='answer   answerof-391556 ' value='1522599'   \/><label for='answer-id-1522599' id='answer-label-1522599' class=' answer'><span>30-year level term<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391556[]' id='answer-id-1522600' class='answer   answerof-391556 ' value='1522600'   \/><label for='answer-id-1522600' id='answer-label-1522600' class=' answer'><span>30-year endowment<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-14' style=';'><div id='questionWrap-14'  class='   watupro-question-id-391557'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>14. <\/span>All of the following are underwriting criteria for individual life insurance EXCEPT:<\/div><input type='hidden' name='question_id[]' id='qID_14' value='391557' \/><input type='hidden' id='answerType391557' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391557[]' id='answer-id-1522601' class='answer   answerof-391557 ' value='1522601'   \/><label for='answer-id-1522601' id='answer-label-1522601' class=' answer'><span>Gender<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391557[]' id='answer-id-1522602' class='answer   answerof-391557 ' value='1522602'   \/><label for='answer-id-1522602' id='answer-label-1522602' class=' answer'><span>Religion<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391557[]' id='answer-id-1522603' class='answer   answerof-391557 ' value='1522603'   \/><label for='answer-id-1522603' id='answer-label-1522603' class=' answer'><span>Occupation<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391557[]' id='answer-id-1522604' class='answer   answerof-391557 ' value='1522604'   \/><label for='answer-id-1522604' id='answer-label-1522604' class=' answer'><span>Ability to pay premiums<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-15' style=';'><div id='questionWrap-15'  class='   watupro-question-id-391558'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>15. <\/span>When a small employer health insurance plan is offered, it must be available:<\/div><input type='hidden' name='question_id[]' id='qID_15' value='391558' \/><input type='hidden' id='answerType391558' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391558[]' id='answer-id-1522605' class='answer   answerof-391558 ' value='1522605'   \/><label for='answer-id-1522605' id='answer-label-1522605' class=' answer'><span>To all eligible employees who apply<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391558[]' id='answer-id-1522606' class='answer   answerof-391558 ' value='1522606'   \/><label for='answer-id-1522606' id='answer-label-1522606' class=' answer'><span>To all eligible employees after a 12-month waiting period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391558[]' id='answer-id-1522607' class='answer   answerof-391558 ' value='1522607'   \/><label for='answer-id-1522607' id='answer-label-1522607' class=' answer'><span>Only to employees who provide evidence of insurability<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391558[]' id='answer-id-1522608' class='answer   answerof-391558 ' value='1522608'   \/><label for='answer-id-1522608' id='answer-label-1522608' class=' answer'><span>Only to employees under age 65<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-16' style=';'><div id='questionWrap-16'  class='   watupro-question-id-391559'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>16. <\/span>A spendthrift clause in a life insurance policy would have NO effect if the beneficiary receives the proceeds as:<\/div><input type='hidden' name='question_id[]' id='qID_16' value='391559' \/><input type='hidden' id='answerType391559' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391559[]' id='answer-id-1522609' class='answer   answerof-391559 ' value='1522609'   \/><label for='answer-id-1522609' id='answer-label-1522609' class=' answer'><span>Fixed amount installments<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391559[]' id='answer-id-1522610' class='answer   answerof-391559 ' value='1522610'   \/><label for='answer-id-1522610' id='answer-label-1522610' class=' answer'><span>Fixed period installments<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391559[]' id='answer-id-1522611' class='answer   answerof-391559 ' value='1522611'   \/><label for='answer-id-1522611' id='answer-label-1522611' class=' answer'><span>Interest-only payments<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391559[]' id='answer-id-1522612' class='answer   answerof-391559 ' value='1522612'   \/><label for='answer-id-1522612' id='answer-label-1522612' class=' answer'><span>One lump sum payment<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-17' style=';'><div id='questionWrap-17'  class='   watupro-question-id-391560'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>17. <\/span>All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:<\/div><input type='hidden' name='question_id[]' id='qID_17' value='391560' \/><input type='hidden' id='answerType391560' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391560[]' id='answer-id-1522613' class='answer   answerof-391560 ' value='1522613'   \/><label for='answer-id-1522613' id='answer-label-1522613' class=' answer'><span>Well-baby checkups<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391560[]' id='answer-id-1522614' class='answer   answerof-391560 ' value='1522614'   \/><label for='answer-id-1522614' id='answer-label-1522614' class=' answer'><span>Immunizations for children<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391560[]' id='answer-id-1522615' class='answer   answerof-391560 ' value='1522615'   \/><label for='answer-id-1522615' id='answer-label-1522615' class=' answer'><span>Experimental surgery<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391560[]' id='answer-id-1522616' class='answer   answerof-391560 ' value='1522616'   \/><label for='answer-id-1522616' id='answer-label-1522616' class=' answer'><span>Physical examinations<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-18' style=';'><div id='questionWrap-18'  class='   watupro-question-id-391561'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>18. <\/span>The prevention and correction of dental and oral irregularities through the use of mechanical corrective devices is called:<\/div><input type='hidden' name='question_id[]' id='qID_18' value='391561' \/><input type='hidden' id='answerType391561' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391561[]' id='answer-id-1522617' class='answer   answerof-391561 ' value='1522617'   \/><label for='answer-id-1522617' id='answer-label-1522617' class=' answer'><span>Orthodontics<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391561[]' id='answer-id-1522618' class='answer   answerof-391561 ' value='1522618'   \/><label for='answer-id-1522618' id='answer-label-1522618' class=' answer'><span>Endodontics<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391561[]' id='answer-id-1522619' class='answer   answerof-391561 ' value='1522619'   \/><label for='answer-id-1522619' id='answer-label-1522619' class=' answer'><span>Periodontics<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391561[]' id='answer-id-1522620' class='answer   answerof-391561 ' value='1522620'   \/><label for='answer-id-1522620' id='answer-label-1522620' class=' answer'><span>Prosthodontics<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-19' style=';'><div id='questionWrap-19'  class='   watupro-question-id-391562'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>19. <\/span>What is the primary role of medical expense and disability insurance?<\/div><input type='hidden' name='question_id[]' id='qID_19' value='391562' \/><input type='hidden' id='answerType391562' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391562[]' id='answer-id-1522621' class='answer   answerof-391562 ' value='1522621'   \/><label for='answer-id-1522621' id='answer-label-1522621' class=' answer'><span>Payment of death benefits<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391562[]' id='answer-id-1522622' class='answer   answerof-391562 ' value='1522622'   \/><label for='answer-id-1522622' id='answer-label-1522622' class=' answer'><span>Protection against the costs of medical care and the loss of earning power<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391562[]' id='answer-id-1522623' class='answer   answerof-391562 ' value='1522623'   \/><label for='answer-id-1522623' id='answer-label-1522623' class=' answer'><span>Provision for dismemberment benefits<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391562[]' id='answer-id-1522624' class='answer   answerof-391562 ' value='1522624'   \/><label for='answer-id-1522624' id='answer-label-1522624' class=' answer'><span>Payment for rehabilitation costs following a life-threatening injury<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-20' style=';'><div id='questionWrap-20'  class='   watupro-question-id-391563'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>20. <\/span>Which is true about the conversion privilege in term life insurance?<\/div><input type='hidden' name='question_id[]' id='qID_20' value='391563' \/><input type='hidden' id='answerType391563' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391563[]' id='answer-id-1522625' class='answer   answerof-391563 ' value='1522625'   \/><label for='answer-id-1522625' id='answer-label-1522625' class=' answer'><span>The policyowner may convert to another term policy of the insured\u2019s choice<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391563[]' id='answer-id-1522626' class='answer   answerof-391563 ' value='1522626'   \/><label for='answer-id-1522626' id='answer-label-1522626' class=' answer'><span>The policyowner may convert to permanent life insurance on an attained age basis without evidence of insurability<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391563[]' id='answer-id-1522627' class='answer   answerof-391563 ' value='1522627'   \/><label for='answer-id-1522627' id='answer-label-1522627' class=' answer'><span>The policyowner may convert to an annuity at attained age rates only if evidence of insurability is provided<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391563[]' id='answer-id-1522628' class='answer   answerof-391563 ' value='1522628'   \/><label for='answer-id-1522628' id='answer-label-1522628' class=' answer'><span>The policyowner may obtain additional term insurance at issue age rates without evidence of insurability<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-21' style=';'><div id='questionWrap-21'  class='   watupro-question-id-391564'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>21. <\/span>Which of the following statements is true regarding an insurance agent\u2019s license?<\/div><input type='hidden' name='question_id[]' id='qID_21' value='391564' \/><input type='hidden' id='answerType391564' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391564[]' id='answer-id-1522629' class='answer   answerof-391564 ' value='1522629'   \/><label for='answer-id-1522629' id='answer-label-1522629' class=' answer'><span>The license fee is paid to the insurance company.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391564[]' id='answer-id-1522630' class='answer   answerof-391564 ' value='1522630'   \/><label for='answer-id-1522630' id='answer-label-1522630' class=' answer'><span>It authorizes the agent to transact insurance until otherwise terminated, suspended, or revoked.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391564[]' id='answer-id-1522631' class='answer   answerof-391564 ' value='1522631'   \/><label for='answer-id-1522631' id='answer-label-1522631' class=' answer'><span>It must be renewed annually.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391564[]' id='answer-id-1522632' class='answer   answerof-391564 ' value='1522632'   \/><label for='answer-id-1522632' id='answer-label-1522632' class=' answer'><span>A separate license must be issued for each insurer the agent represents.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-22' style=';'><div id='questionWrap-22'  class='   watupro-question-id-391565'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>22. <\/span>The injury or damage sustained by the insured is called:<\/div><input type='hidden' name='question_id[]' id='qID_22' value='391565' \/><input type='hidden' id='answerType391565' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391565[]' id='answer-id-1522633' class='answer   answerof-391565 ' value='1522633'   \/><label for='answer-id-1522633' id='answer-label-1522633' class=' answer'><span>A claim<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391565[]' id='answer-id-1522634' class='answer   answerof-391565 ' value='1522634'   \/><label for='answer-id-1522634' id='answer-label-1522634' class=' answer'><span>A peril<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391565[]' id='answer-id-1522635' class='answer   answerof-391565 ' value='1522635'   \/><label for='answer-id-1522635' id='answer-label-1522635' class=' answer'><span>A loss<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391565[]' id='answer-id-1522636' class='answer   answerof-391565 ' value='1522636'   \/><label for='answer-id-1522636' id='answer-label-1522636' class=' answer'><span>An accident<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-23' style=';'><div id='questionWrap-23'  class='   watupro-question-id-391566'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>23. <\/span>An individual purchased an annuity with a series of premium payments continuing over a period of twenty years. <br \/>\r<br>The purchase payments were made during the:<\/div><input type='hidden' name='question_id[]' id='qID_23' value='391566' \/><input type='hidden' id='answerType391566' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391566[]' id='answer-id-1522637' class='answer   answerof-391566 ' value='1522637'   \/><label for='answer-id-1522637' id='answer-label-1522637' class=' answer'><span>Liquidation period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391566[]' id='answer-id-1522638' class='answer   answerof-391566 ' value='1522638'   \/><label for='answer-id-1522638' id='answer-label-1522638' class=' answer'><span>Annuity period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391566[]' id='answer-id-1522639' class='answer   answerof-391566 ' value='1522639'   \/><label for='answer-id-1522639' id='answer-label-1522639' class=' answer'><span>Period certain<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391566[]' id='answer-id-1522640' class='answer   answerof-391566 ' value='1522640'   \/><label for='answer-id-1522640' id='answer-label-1522640' class=' answer'><span>Accumulation period<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-24' style=';'><div id='questionWrap-24'  class='   watupro-question-id-391567'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>24. <\/span>One feature that distinguishes a continuous premium whole life policy from a limited payment whole life policy is:<\/div><input type='hidden' name='question_id[]' id='qID_24' value='391567' \/><input type='hidden' id='answerType391567' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391567[]' id='answer-id-1522641' class='answer   answerof-391567 ' value='1522641'   \/><label for='answer-id-1522641' id='answer-label-1522641' class=' answer'><span>The length of time premiums will be paid<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391567[]' id='answer-id-1522642' class='answer   answerof-391567 ' value='1522642'   \/><label for='answer-id-1522642' id='answer-label-1522642' class=' answer'><span>The settlement options available<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391567[]' id='answer-id-1522643' class='answer   answerof-391567 ' value='1522643'   \/><label for='answer-id-1522643' id='answer-label-1522643' class=' answer'><span>The mortality table from which premiums are calculated<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391567[]' id='answer-id-1522644' class='answer   answerof-391567 ' value='1522644'   \/><label for='answer-id-1522644' id='answer-label-1522644' class=' answer'><span>The form in which dividends are paid<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-25' style=';'><div id='questionWrap-25'  class='   watupro-question-id-391568'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>25. <\/span>An individual health insurance policy must include:<\/div><input type='hidden' name='question_id[]' id='qID_25' value='391568' \/><input type='hidden' id='answerType391568' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391568[]' id='answer-id-1522645' class='answer   answerof-391568 ' value='1522645'   \/><label for='answer-id-1522645' id='answer-label-1522645' class=' answer'><span>Coverage for pre-existing conditions<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391568[]' id='answer-id-1522646' class='answer   answerof-391568 ' value='1522646'   \/><label for='answer-id-1522646' id='answer-label-1522646' class=' answer'><span>A 10-day free look provision<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391568[]' id='answer-id-1522647' class='answer   answerof-391568 ' value='1522647'   \/><label for='answer-id-1522647' id='answer-label-1522647' class=' answer'><span>Only the optional uniform provisions<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391568[]' id='answer-id-1522648' class='answer   answerof-391568 ' value='1522648'   \/><label for='answer-id-1522648' id='answer-label-1522648' class=' answer'><span>A 60-day grace period<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-26' style=';'><div id='questionWrap-26'  class='   watupro-question-id-391569'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>26. <\/span>Which is true about ownership of a deferred annuity contract?<\/div><input type='hidden' name='question_id[]' id='qID_26' value='391569' \/><input type='hidden' id='answerType391569' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391569[]' id='answer-id-1522649' class='answer   answerof-391569 ' value='1522649'   \/><label for='answer-id-1522649' id='answer-label-1522649' class=' answer'><span>All of the participants in a group contract are part-owners<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391569[]' id='answer-id-1522650' class='answer   answerof-391569 ' value='1522650'   \/><label for='answer-id-1522650' id='answer-label-1522650' class=' answer'><span>Ownership rights are neither transferable nor assignable<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391569[]' id='answer-id-1522651' class='answer   answerof-391569 ' value='1522651'   \/><label for='answer-id-1522651' id='answer-label-1522651' class=' answer'><span>An owner may be the annuitant or the beneficiary or neither<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391569[]' id='answer-id-1522652' class='answer   answerof-391569 ' value='1522652'   \/><label for='answer-id-1522652' id='answer-label-1522652' class=' answer'><span>An owner\u2019s rights take effect when the benefit payment phase begins<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-27' style=';'><div id='questionWrap-27'  class='   watupro-question-id-391570'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>27. <\/span>Immediate annuities are often purchased by people who:<\/div><input type='hidden' name='question_id[]' id='qID_27' value='391570' \/><input type='hidden' id='answerType391570' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391570[]' id='answer-id-1522653' class='answer   answerof-391570 ' value='1522653'   \/><label for='answer-id-1522653' id='answer-label-1522653' class=' answer'><span>Desire a tax deduction in the current year<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391570[]' id='answer-id-1522654' class='answer   answerof-391570 ' value='1522654'   \/><label for='answer-id-1522654' id='answer-label-1522654' class=' answer'><span>Want to contribute to a tax-sheltered annuity<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391570[]' id='answer-id-1522655' class='answer   answerof-391570 ' value='1522655'   \/><label for='answer-id-1522655' id='answer-label-1522655' class=' answer'><span>Have a lump sum to invest at retirement<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391570[]' id='answer-id-1522656' class='answer   answerof-391570 ' value='1522656'   \/><label for='answer-id-1522656' id='answer-label-1522656' class=' answer'><span>Want to accumulate funds for retirement at a later date<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-28' style=';'><div id='questionWrap-28'  class='   watupro-question-id-391571'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>28. <\/span>Which benefit is usually excluded from major medical plan coverage?<\/div><input type='hidden' name='question_id[]' id='qID_28' value='391571' \/><input type='hidden' id='answerType391571' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391571[]' id='answer-id-1522657' class='answer   answerof-391571 ' value='1522657'   \/><label for='answer-id-1522657' id='answer-label-1522657' class=' answer'><span>Hospital expense<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391571[]' id='answer-id-1522658' class='answer   answerof-391571 ' value='1522658'   \/><label for='answer-id-1522658' id='answer-label-1522658' class=' answer'><span>Custodial care<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391571[]' id='answer-id-1522659' class='answer   answerof-391571 ' value='1522659'   \/><label for='answer-id-1522659' id='answer-label-1522659' class=' answer'><span>Physicians\u2019 visits<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391571[]' id='answer-id-1522660' class='answer   answerof-391571 ' value='1522660'   \/><label for='answer-id-1522660' id='answer-label-1522660' class=' answer'><span>Surgical expense<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-29' style=';'><div id='questionWrap-29'  class='   watupro-question-id-391572'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>29. <\/span>What is the agent\u2019s primary role in underwriting life insurance?<\/div><input type='hidden' name='question_id[]' id='qID_29' value='391572' \/><input type='hidden' id='answerType391572' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391572[]' id='answer-id-1522661' class='answer   answerof-391572 ' value='1522661'   \/><label for='answer-id-1522661' id='answer-label-1522661' class=' answer'><span>Assuring that the application provides proper information to the insurer<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391572[]' id='answer-id-1522662' class='answer   answerof-391572 ' value='1522662'   \/><label for='answer-id-1522662' id='answer-label-1522662' class=' answer'><span>Binding coverage immediately without home office approval<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391572[]' id='answer-id-1522663' class='answer   answerof-391572 ' value='1522663'   \/><label for='answer-id-1522663' id='answer-label-1522663' class=' answer'><span>Issuing the policy if all underwriting information is satisfactory<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391572[]' id='answer-id-1522664' class='answer   answerof-391572 ' value='1522664'   \/><label for='answer-id-1522664' id='answer-label-1522664' class=' answer'><span>Securing information from the Medical Information Bureau<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-30' style=';'><div id='questionWrap-30'  class='   watupro-question-id-391573'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>30. <\/span>Renewal of small employer health insurance plans may be denied for all of the following reasons EXCEPT:<\/div><input type='hidden' name='question_id[]' id='qID_30' value='391573' \/><input type='hidden' id='answerType391573' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391573[]' id='answer-id-1522665' class='answer   answerof-391573 ' value='1522665'   \/><label for='answer-id-1522665' id='answer-label-1522665' class=' answer'><span>Nonpayment of premiums<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391573[]' id='answer-id-1522666' class='answer   answerof-391573 ' value='1522666'   \/><label for='answer-id-1522666' id='answer-label-1522666' class=' answer'><span>Having less than the required number of participants<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391573[]' id='answer-id-1522667' class='answer   answerof-391573 ' value='1522667'   \/><label for='answer-id-1522667' id='answer-label-1522667' class=' answer'><span>Overuse of physician and hospital services<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391573[]' id='answer-id-1522668' class='answer   answerof-391573 ' value='1522668'   \/><label for='answer-id-1522668' id='answer-label-1522668' class=' answer'><span>Fraud by the employer<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-31' style=';'><div id='questionWrap-31'  class='   watupro-question-id-391574'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>31. <\/span>Needs analysis is a method of life insurance planning which:<\/div><input type='hidden' name='question_id[]' id='qID_31' value='391574' \/><input type='hidden' id='answerType391574' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391574[]' id='answer-id-1522669' class='answer   answerof-391574 ' value='1522669'   \/><label for='answer-id-1522669' id='answer-label-1522669' class=' answer'><span>Identifies the needs of an individual and the individual\u2019s dependents<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391574[]' id='answer-id-1522670' class='answer   answerof-391574 ' value='1522670'   \/><label for='answer-id-1522670' id='answer-label-1522670' class=' answer'><span>Eliminates the need for estimating future interest and inflation rates<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391574[]' id='answer-id-1522671' class='answer   answerof-391574 ' value='1522671'   \/><label for='answer-id-1522671' id='answer-label-1522671' class=' answer'><span>Requires the team effort of the agent and home office underwriter<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391574[]' id='answer-id-1522672' class='answer   answerof-391574 ' value='1522672'   \/><label for='answer-id-1522672' id='answer-label-1522672' class=' answer'><span>Ignores Social Security benefit payments<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-32' style=';'><div id='questionWrap-32'  class='   watupro-question-id-391575'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>32. <\/span>One premium payment covers which period of time in a single premium whole life policy?<\/div><input type='hidden' name='question_id[]' id='qID_32' value='391575' \/><input type='hidden' id='answerType391575' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391575[]' id='answer-id-1522673' class='answer   answerof-391575 ' value='1522673'   \/><label for='answer-id-1522673' id='answer-label-1522673' class=' answer'><span>One month<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391575[]' id='answer-id-1522674' class='answer   answerof-391575 ' value='1522674'   \/><label for='answer-id-1522674' id='answer-label-1522674' class=' answer'><span>One year<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391575[]' id='answer-id-1522675' class='answer   answerof-391575 ' value='1522675'   \/><label for='answer-id-1522675' id='answer-label-1522675' class=' answer'><span>To the insured's age 65<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391575[]' id='answer-id-1522676' class='answer   answerof-391575 ' value='1522676'   \/><label for='answer-id-1522676' id='answer-label-1522676' class=' answer'><span>The full life of the policy<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-33' style=';'><div id='questionWrap-33'  class='   watupro-question-id-391576'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>33. <\/span>All of the following are types of insurance policy exchanges that can be made without current taxation EXCEPT:<\/div><input type='hidden' name='question_id[]' id='qID_33' value='391576' \/><input type='hidden' id='answerType391576' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391576[]' id='answer-id-1522677' class='answer   answerof-391576 ' value='1522677'   \/><label for='answer-id-1522677' id='answer-label-1522677' class=' answer'><span>The exchange of an annuity for a life insurance policy<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391576[]' id='answer-id-1522678' class='answer   answerof-391576 ' value='1522678'   \/><label for='answer-id-1522678' id='answer-label-1522678' class=' answer'><span>The exchange of a life insurance policy for an annuity<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391576[]' id='answer-id-1522679' class='answer   answerof-391576 ' value='1522679'   \/><label for='answer-id-1522679' id='answer-label-1522679' class=' answer'><span>An annuity exchanged for another annuity contract<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391576[]' id='answer-id-1522680' class='answer   answerof-391576 ' value='1522680'   \/><label for='answer-id-1522680' id='answer-label-1522680' class=' answer'><span>A life insurance policy exchanged for another life policy<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-34' style=';'><div id='questionWrap-34'  class='   watupro-question-id-391577'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>34. <\/span>Which of the following is required to hold an appointment with the insurance company it represents?<\/div><input type='hidden' name='question_id[]' id='qID_34' value='391577' \/><input type='hidden' id='answerType391577' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391577[]' id='answer-id-1522681' class='answer   answerof-391577 ' value='1522681'   \/><label for='answer-id-1522681' id='answer-label-1522681' class=' answer'><span>An insured<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391577[]' id='answer-id-1522682' class='answer   answerof-391577 ' value='1522682'   \/><label for='answer-id-1522682' id='answer-label-1522682' class=' answer'><span>An employee of the insurer<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391577[]' id='answer-id-1522683' class='answer   answerof-391577 ' value='1522683'   \/><label for='answer-id-1522683' id='answer-label-1522683' class=' answer'><span>A consultant<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391577[]' id='answer-id-1522684' class='answer   answerof-391577 ' value='1522684'   \/><label for='answer-id-1522684' id='answer-label-1522684' class=' answer'><span>An agent<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-35' style=';'><div id='questionWrap-35'  class='   watupro-question-id-391578'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>35. <\/span>Under which type of policy are benefit payments treated as taxable income?<\/div><input type='hidden' name='question_id[]' id='qID_35' value='391578' \/><input type='hidden' id='answerType391578' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391578[]' id='answer-id-1522685' class='answer   answerof-391578 ' value='1522685'   \/><label for='answer-id-1522685' id='answer-label-1522685' class=' answer'><span>Business overhead expense<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391578[]' id='answer-id-1522686' class='answer   answerof-391578 ' value='1522686'   \/><label for='answer-id-1522686' id='answer-label-1522686' class=' answer'><span>Disability buy-sell<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391578[]' id='answer-id-1522687' class='answer   answerof-391578 ' value='1522687'   \/><label for='answer-id-1522687' id='answer-label-1522687' class=' answer'><span>Individual disability income<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391578[]' id='answer-id-1522688' class='answer   answerof-391578 ' value='1522688'   \/><label for='answer-id-1522688' id='answer-label-1522688' class=' answer'><span>Key person disability income<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-36' style=';'><div id='questionWrap-36'  class='   watupro-question-id-391579'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>36. <\/span>All of the following statements about tax-sheltered annuities (TSAs) are true EXCEPT:<\/div><input type='hidden' name='question_id[]' id='qID_36' value='391579' \/><input type='hidden' id='answerType391579' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391579[]' id='answer-id-1522689' class='answer   answerof-391579 ' value='1522689'   \/><label for='answer-id-1522689' id='answer-label-1522689' class=' answer'><span>They are also known as 403(b) plans.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391579[]' id='answer-id-1522690' class='answer   answerof-391579 ' value='1522690'   \/><label for='answer-id-1522690' id='answer-label-1522690' class=' answer'><span>Accumulation payments often come from voluntary salary reductions.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391579[]' id='answer-id-1522691' class='answer   answerof-391579 ' value='1522691'   \/><label for='answer-id-1522691' id='answer-label-1522691' class=' answer'><span>The annuitant may have an individual account or contract.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391579[]' id='answer-id-1522692' class='answer   answerof-391579 ' value='1522692'   \/><label for='answer-id-1522692' id='answer-label-1522692' class=' answer'><span>The investment gain each year is included in the participant\u2019s gross income.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-37' style=';'><div id='questionWrap-37'  class='   watupro-question-id-391580'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>37. <\/span>The information which gives an insurer necessary personal data regarding an individual and helps determine whether the individual can be insured under an individual health insurance policy is contained in the:<\/div><input type='hidden' name='question_id[]' id='qID_37' value='391580' \/><input type='hidden' id='answerType391580' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391580[]' id='answer-id-1522693' class='answer   answerof-391580 ' value='1522693'   \/><label for='answer-id-1522693' id='answer-label-1522693' class=' answer'><span>Enrollment form<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391580[]' id='answer-id-1522694' class='answer   answerof-391580 ' value='1522694'   \/><label for='answer-id-1522694' id='answer-label-1522694' class=' answer'><span>Policy schedule<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391580[]' id='answer-id-1522695' class='answer   answerof-391580 ' value='1522695'   \/><label for='answer-id-1522695' id='answer-label-1522695' class=' answer'><span>Application<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391580[]' id='answer-id-1522696' class='answer   answerof-391580 ' value='1522696'   \/><label for='answer-id-1522696' id='answer-label-1522696' class=' answer'><span>Agent\u2019s statement<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-38' style=';'><div id='questionWrap-38'  class='   watupro-question-id-391581'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>38. <\/span>The owner of a life insurance policy who enters into a viatical settlement contract is called:<\/div><input type='hidden' name='question_id[]' id='qID_38' value='391581' \/><input type='hidden' id='answerType391581' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391581[]' id='answer-id-1522697' class='answer   answerof-391581 ' value='1522697'   \/><label for='answer-id-1522697' id='answer-label-1522697' class=' answer'><span>A viatical settlement provider<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391581[]' id='answer-id-1522698' class='answer   answerof-391581 ' value='1522698'   \/><label for='answer-id-1522698' id='answer-label-1522698' class=' answer'><span>A viatical settlement broker<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391581[]' id='answer-id-1522699' class='answer   answerof-391581 ' value='1522699'   \/><label for='answer-id-1522699' id='answer-label-1522699' class=' answer'><span>A viator<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391581[]' id='answer-id-1522700' class='answer   answerof-391581 ' value='1522700'   \/><label for='answer-id-1522700' id='answer-label-1522700' class=' answer'><span>A viatee<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-39' style=';'><div id='questionWrap-39'  class='   watupro-question-id-391582'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>39. <\/span>If an employee in poor health is part of a large group that is acceptable for group life insurance, that employee is:<\/div><input type='hidden' name='question_id[]' id='qID_39' value='391582' \/><input type='hidden' id='answerType391582' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391582[]' id='answer-id-1522701' class='answer   answerof-391582 ' value='1522701'   \/><label for='answer-id-1522701' id='answer-label-1522701' class=' answer'><span>Ineligible for coverage under the plan<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391582[]' id='answer-id-1522702' class='answer   answerof-391582 ' value='1522702'   \/><label for='answer-id-1522702' id='answer-label-1522702' class=' answer'><span>Eligible for coverage, but on a rated basis<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391582[]' id='answer-id-1522703' class='answer   answerof-391582 ' value='1522703'   \/><label for='answer-id-1522703' id='answer-label-1522703' class=' answer'><span>Eligible for the same type of coverage as other employees<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391582[]' id='answer-id-1522704' class='answer   answerof-391582 ' value='1522704'   \/><label for='answer-id-1522704' id='answer-label-1522704' class=' answer'><span>Eligible for coverage more limited than that of other employees<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-40' style=';'><div id='questionWrap-40'  class='   watupro-question-id-391583'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>40. <\/span>An agreement attached to a health insurance policy which alters either the terms of the policy or the coverage is called:<\/div><input type='hidden' name='question_id[]' id='qID_40' value='391583' \/><input type='hidden' id='answerType391583' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391583[]' id='answer-id-1522705' class='answer   answerof-391583 ' value='1522705'   \/><label for='answer-id-1522705' id='answer-label-1522705' class=' answer'><span>A limit clause<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391583[]' id='answer-id-1522706' class='answer   answerof-391583 ' value='1522706'   \/><label for='answer-id-1522706' id='answer-label-1522706' class=' answer'><span>An attachment<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391583[]' id='answer-id-1522707' class='answer   answerof-391583 ' value='1522707'   \/><label for='answer-id-1522707' id='answer-label-1522707' class=' answer'><span>An insuring clause<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-391583[]' id='answer-id-1522708' class='answer   answerof-391583 ' value='1522708'   \/><label for='answer-id-1522708' id='answer-label-1522708' class=' answer'><span>A rider<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div style='display:none' id='question-41'>\n\t<div class='question-content'>\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" 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\"391544,391545,391546,391547,391548,391549,391550,391551,391552,391553,391554,391555,391556,391557,391558,391559,391560,391561,391562,391563,391564,391565,391566,391567,391568,391569,391570,391571,391572,391573,391574,391575,391576,391577,391578,391579,391580,391581,391582,391583\";\nWatuPROSettings[9817] = {};\nWatuPRO.qArr = question_ids.split(',');\nWatuPRO.exam_id = 9817;\t    \nWatuPRO.post_id = 99780;\nWatuPRO.store_progress = 0;\nWatuPRO.curCatPage = 1;\nWatuPRO.requiredIDs=\"0\".split(\",\");\nWatuPRO.hAppID = \"0.49444500 1778964234\";\nvar url = \"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/show_exam.php\";\nWatuPRO.examMode = 1;\nWatuPRO.siteURL=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-admin\/admin-ajax.php\";\nWatuPRO.emailIsNotRequired = 0;\nWatuPROIntel.init(9817);\nWatuPRO.inCategoryPages=1;});    \t \n<\/script>\n<p>&nbsp;<\/p>\n<h3>Continue to read more <a href=\"https:\/\/www.dumpsbase.com\/freedumps\/prepare-for-your-exam-with-real-dumps-at-your-best-continue-to-check-virginia-life-annuities-and-health-insurance-free-dumps-part-2-q41-q60-of-v8-02.html\"><span style=\"background-color: #ffff00;\"><em>Virginia Life Annuities and Health Insurance free dumps (Part 2, Q41-Q60)<\/em><\/span><\/a> online.<\/h3>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to pass your Virginia Life, Annuities, and Health Insurance Examination Series 11-01 exam successfully? You can have the real Virginia Life Annuities and Health Insurance dumps to prepare for your exam in a short time. We released the Virginia Life Annuities and Health Insurance dumps (V8.02), offering 150 practice exam questions and answers. 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