Page 1 of 49
2025/2026 WEST VIRGINIA LAWS AND RULES
PERTINENT TO INSURANCE EXAM CURRENTLY
TESTING QUESTIONS WITH CORRECT AND
DETAILED ANSWERS (VERIFIED) GUARANTEED
PASS/TOP-RATED A+.
WEST VIRGINIA LAWS AND RULES
Ace the West Virginia Laws and Rules Pertinent to Insurance
exam with this state-specific guide, designed to master
regulations, ethical standards, and compliance protocols
unique to West Virginia's insurance market. This resource
delivers targeted practice questions and clear explanations
covering property, casualty, life, and health insurance statutes
essential for licensure.
All of the following are examples of insurance advertisement
EXCEPT
A) A direct mail brochure announcing specific Accident and
Health insurance plans
B) A newspaper notice announcing free insurance advice
C) A television spot announcing an insurance company's
new product
, Page 2 of 49
D) An employer newsletter announcing the availability of
coverage for employees ...... ANSWER ....... D) An
employee newsletter announcing the availability of
coverage for employees
Under the ACA, health coverage is provided for dependents
up to the age of ...... ANSWER ....... 26
Who issues Medicare Supplement policies ...... ANSWER
....... Insurance companies
Which of the following is a requirement to be eligible for a
group life policy in Virginia
A) Group must be formed for a purpose other than obtaining
insurance
B) Group must designate one of its members to be the name
insured
C) Group must have been formed for obtaining insurance
, Page 3 of 49
D) Group must include at least 5 employers ...... ANSWER
....... A) Group must be formed for a purpose other than
obtaining insurance
An agent who willfully violates the insurance code may, after
a hearing, pay UP TO _________ per violation as a penalty
...... ANSWER ....... $5,000
Which of the following coverages does NOT need to be
provided under the ACA?
A)Preventative services as set by the CMS
B) Elective cosmetic surgery
C) Emergency services
D) Pre-existing Conditions ...... ANSWER ....... B) Elective
cosmetic surgery
, Page 4 of 49
Which of the following does NOT qualify as a creditable
coverage under HIPAA
A) Accident plans
B) Individual major medical plans
C) Medicare plans
D)Group major medical plans ...... ANSWER ....... A)
Accident Plans
An agent charged an insurance applicant an administration
fee. At what point must the agent give a written disclosure
for this fee? ...... ANSWER ....... Prior to any services
being rendered
Which of the following actions does the Commission in
Virginia have the power to perform ...... ANSWER .......
Examine insurer solvency
2025/2026 WEST VIRGINIA LAWS AND RULES
PERTINENT TO INSURANCE EXAM CURRENTLY
TESTING QUESTIONS WITH CORRECT AND
DETAILED ANSWERS (VERIFIED) GUARANTEED
PASS/TOP-RATED A+.
WEST VIRGINIA LAWS AND RULES
Ace the West Virginia Laws and Rules Pertinent to Insurance
exam with this state-specific guide, designed to master
regulations, ethical standards, and compliance protocols
unique to West Virginia's insurance market. This resource
delivers targeted practice questions and clear explanations
covering property, casualty, life, and health insurance statutes
essential for licensure.
All of the following are examples of insurance advertisement
EXCEPT
A) A direct mail brochure announcing specific Accident and
Health insurance plans
B) A newspaper notice announcing free insurance advice
C) A television spot announcing an insurance company's
new product
, Page 2 of 49
D) An employer newsletter announcing the availability of
coverage for employees ...... ANSWER ....... D) An
employee newsletter announcing the availability of
coverage for employees
Under the ACA, health coverage is provided for dependents
up to the age of ...... ANSWER ....... 26
Who issues Medicare Supplement policies ...... ANSWER
....... Insurance companies
Which of the following is a requirement to be eligible for a
group life policy in Virginia
A) Group must be formed for a purpose other than obtaining
insurance
B) Group must designate one of its members to be the name
insured
C) Group must have been formed for obtaining insurance
, Page 3 of 49
D) Group must include at least 5 employers ...... ANSWER
....... A) Group must be formed for a purpose other than
obtaining insurance
An agent who willfully violates the insurance code may, after
a hearing, pay UP TO _________ per violation as a penalty
...... ANSWER ....... $5,000
Which of the following coverages does NOT need to be
provided under the ACA?
A)Preventative services as set by the CMS
B) Elective cosmetic surgery
C) Emergency services
D) Pre-existing Conditions ...... ANSWER ....... B) Elective
cosmetic surgery
, Page 4 of 49
Which of the following does NOT qualify as a creditable
coverage under HIPAA
A) Accident plans
B) Individual major medical plans
C) Medicare plans
D)Group major medical plans ...... ANSWER ....... A)
Accident Plans
An agent charged an insurance applicant an administration
fee. At what point must the agent give a written disclosure
for this fee? ...... ANSWER ....... Prior to any services
being rendered
Which of the following actions does the Commission in
Virginia have the power to perform ...... ANSWER .......
Examine insurer solvency
