{"id":120520,"date":"2023-09-22T18:31:54","date_gmt":"2023-09-22T18:31:54","guid":{"rendered":"https:\/\/learnexams.com\/blog\/?p=120520"},"modified":"2023-09-22T18:31:57","modified_gmt":"2023-09-22T18:31:57","slug":"2023-combined-update-test-exams-for-virginia-life-insurance-exam","status":"publish","type":"post","link":"https:\/\/www.learnexams.com\/blog\/2023\/09\/22\/2023-combined-update-test-exams-for-virginia-life-insurance-exam\/","title":{"rendered":"2023 combined update test exams for Virginia life insurance exam"},"content":{"rendered":"\n<p>Virginia Life: Life Insurance Policies (AB)<br>Accumulate &#8211; To build up<br>Attained Age &#8211; The insured&#8217;s age at the time the policy is renewed or replaced<br>Cash Value &#8211; A policy&#8217;s savings element or living benefit<br>Deferred &#8211; Withheld or postponed until a specified time or event in the future<br>Endow &#8211; To have the cash value of a whole life policy reach the contractual face amount<br>Face amount &#8211; the amount of benefit stated in the life insurance policy<br>Fixed Life Insurance products &#8211; contracts that offer guaranteed minimum or fixed<br>benefits<br>Lapse &#8211; Policy termination due to nonpayment of premium<br>Level premium &#8211; the premium that does not change throughout the life of a policy<br>Nonforfeiture values &#8211; benefits in a life insurance policy that the policyowner cannot lose<br>even if the policy is surrendered or lapses<br>Policy Maturity &#8211; In life policies, the time when the face value is paid out<br>Securities &#8211; Financial instruments that may trade for value (for example, stocks, bonds,<br>options)<br>Variable Life insurance Products &#8211; Contracts in which the cash values accumulate<br>based upon a specific portfolio of stocks without guarantees of performance<br>Term Insurance (Pure insurance) &#8211; Temporary protection because it only provides<br>coverage for a specific period of time.<br>Term &#8211; <strong><em>_ policies provide the greatest amount of coverage for the lowest premium as compared to any other form of protection Age &#8211; There is usually a maximum<\/em><\/strong> above which coverage will not be offered or at<br>which coverage cannot be renewed<br>Pure Death Protection &#8211; Term insurance provides what is known as <strong>_<\/strong><\/p>\n\n\n\n<p>Final exam-Virginia life and Health full<br>exam update<br>Insurable inter in one&#8217;s own life is legally considered as &#8211; Generally unlimited<br>Where dose the primary funding for medical part A come from? &#8211; Federal payroll and<br>self employment taxes<br>What would be a valid reason for naming a trust as the beneficiary of a life insurance<br>policy as opposed to naming an individual? &#8211; Management of proceeds would be<br>provided<br>Virginia requires that an agent must complete___ hours of continuing education on the<br>subject of ethics every reporting. &#8211; 3 hours<br>According to the needs approach, an emergency reserve fund&#8217;s primary purpose is to &#8211;<br>cover the cost of unexpected expenses<br>Which of the following provisions allows an insured or the insurer to terminate the policy<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cancelable provision<br>How much is normally paid to a policyowner in a life (viatical) settlement? &#8211; Less than<br>the death benefit<br>For purposes of disability income insurance, earned income would include all of the<br>following EXCEPT &#8211; Dividends<br>(Salary, commissions, bonus)<br>Which type of group plan is excluded from HIPAA rules? &#8211; Disability Income<br>How does a continuous premium whole life policy differ from a limited payment while life<br>policy? &#8211; The time period in which premiums will be paid<br>COBRA extends coverage for a surviving spouse but at a rate not more than <strong>_<\/strong> of<br>the group premium. &#8211; 102%<br>Which of the following approves continuing education courses for credit in Virginia? &#8211;<br>State Continuing Education Board<br>Which statement regarding the waiver of premium rider is accurate? &#8211; Cash payment is<br>not directly provided to the policyowner<\/li>\n<\/ul>\n\n\n\n<p>Under a long-term care inflation rider, the benefit levels &#8211; periodically increase without<br>proof of insurability<br>Which typically changes at the re-entry option date found in some term life policies? &#8211;<br>Premium<br>Employees generally receive Worker&#8217;s Compensation benefits for &#8211; Lost wages and<br>medical expenses due to a occupational accident<br>Which is an accurate description of the premium in a graded premium life insurance<br>policy? &#8211; Annual increases in premium for a stated number of years then levels off for<br>the remainder of the contract<br>A 55 year old recently received a $30,000 distribution from a previous employer&#8217;s 401k<br>plan, minus $6,000 withholding. Which federal taxes apply if none of the funds were<br>rolled over? &#8211; Income taxes plus a 10% penalty tax on $30,000<br>Sylvia purchased an annuity for $100,000 from the proceeds of an inheritance. No<br>further payments are permitted and the income stream begins in 15 years. This contract<br>is a(n) &#8211; Single Premium Deferred Annuity<br>Medicare will cover a maximum of how many days per benefit period in a skilled nursing<br>facility? &#8211; 100 days<br>A domestic insurance company in Virginia MUST &#8211; Be formed under Virginia insurance<br>laws<br>What are premium for group credit life insurance based on? &#8211; Flat rate unrelated to the<br>borrower&#8217;s age<br>What minimum percentage of all eligible employees must participate in a group life<br>insurance plan if the premiums are completely paid for by the employer?<br>0%<br>50%<br>75%<br>100% &#8211; 100%<br>Where will a life insurance policy&#8217;s proceeds be directed to if all the beneficiaries die<br>before the insured? &#8211; The insured&#8217;s estate<br>Under what circumstances does an accident and health insurer have the right to request<br>an autopsy? &#8211; When not prohibited by state law<br>Which of these is NOT an unfair claims settlement practice? &#8211; Offering to settle a claim<br>by arbitration<\/p>\n\n\n\n<p>How is an insured&#8217;s accident and health claim handled by an insurer if it occurs during<br>the policy&#8217;s grace period? &#8211; The unpaid premium may be subtracted from the<br>reimbursement<br>What is payable to the policyowner if a whole life policy is surrendered prior to its<br>maturity date? &#8211; cash value<br>How is the insured protected if a payor benefit rider is attached to the life insurance<br>policy? &#8211; Premium payments are waived in the event the premium payor dies or<br>becomes disabled<br>After an insurance application has been originated, the producer normally &#8211; is the major<br>personal contact to the insured<br>Which of the following health provisions requires that the application becomes part of<br>the policy? &#8211; Entire contract clause<br>Death proceeds from a life insurance policy are typically included in a deceased<br>insured&#8217;s gross estate &#8211; for federal income tax reasons<br>Under which circumstance may an insurer discontinue a small employer group medical<br>plan? &#8211; Employer fails to pay the premium for it to the end of the grease period<br>What determines how much an annuitant is paid for a variable annuity? &#8211; The market<br>value variations of the securities backing it<br>Which of the following is covered by a basic dental indemnity plan? &#8211; Non-surgical<br>periodontal treatment<br>Periodic health claim payments MUST be made at least &#8211; monthly<br>James is covered with health insurance by two different insurers. The &#8220;insurance with<br>other insurers&#8221; provision in an individual health insurance policy allows an insurer to pay<br>benefits to the insured on a pro-rata basis when &#8211; The insurer was not notified prior to<br>the claim that the insured has other health coverage<br>A major medical expense plan typically includes coverage for hospital room and board.<br>Which of the following is normally covered under the category &#8220;room and board&#8221;? &#8211;<br>General nursing care<br>Which of the following statements is true regarding accident and health insurance<br>claims that reimburse on an indemnity basis? &#8211; Claims can be sent directly to the<br>insured<\/p>\n\n\n\n<p>VA Life Insurance Practice Exam (90<br>Xcel) full update 2023-2024<br>P is a producer who notices 5 questions on a life application were not answered. What<br>actions should P take? &#8211; Set up a meeting with the applicant to answer the remaining<br>questions<br>K buys a policy where the premium stays fixed for the first 5 years. The premium then<br>increases in year 6 and stays level thereafter, all the while the death benefit remains the<br>same. What kind of policy is this? &#8211; Modified Whole Life<br>Which of the following would be a valid reason for suspending or revoking an insurance<br>agent&#8217;s license? &#8211; Participating in the act of twisting<br>Post-tax dollar contributions are found in: &#8211; Roth IRA investments<br>Which of the following is a requirement to be eligible for a group life policy in Virginia? &#8211;<br>Group must be formed for a purpose other than obtaining insurance<br>K applies for a life insurance policy on herself and submits the initial premium with the<br>application. She is given a receipt by the agent stating that coverage begins<br>immediately if the application is approved. What kind of receipt was used? &#8211; Conditional<br>If an agent holds 2 license types, the continuing education requirement is <strong>_<\/strong> credits<br>by December 31 in even number years. &#8211; 24<br>J the agent makes false statements to a prospective client about the projected<br>dividends for a policy. J may be found guilty of &#8211; misrepresentation<br>When is he face amount paid under a Joint Life and Survivor policy? &#8211; upon death of the<br>last insured<br>Which provision is NOT a requirement in a group life policy? &#8211; Accidental<br>An agent has made false comparisons of policies to induce the sale of an insurance<br>policy. This illegal act is called &#8211; twisting<br>All of these are unfair trade practice EXCEPT &#8211; Reinsurance<br>All of the following statements about traditional individual retirement accounts are false<br>EXCEPT &#8211; 10% penalty is applied to withdrawals before age 59 1\/2<\/p>\n\n\n\n<p>Which of these statements accurately reflects Virginia law regarding life insurance<br>advertisements? &#8211; An insurance agency is responsible for advertisements placed by its<br>insurance agents<br>Premiums collected by insurance agent must be maintained in a fiduciary capacity. At<br>what point MUST these premiums be remitted to the insurer? &#8211; In the ordinary course of<br>business<br>If X wants to buy $50,000 worth of permanent protection on his\/her spouse and $25,000<br>worth of 10-year Term coverage on X under the same policy, the applicant should<br>purchase: &#8211; A Whole Life Policy with an Other Insured Rider<br>When must an agent report a felony conviction to the Bureau of Insurance? &#8211; Within 30<br>calendar days<br>All of the following are examples of insurance advertisement EXCEPT &#8211; An employer<br>newsletter announcing the availability of coverage for employees<br>Quarterly premium payments increase the annual cost of insurance because &#8211; interest<br>to the insurer is decreased while the administrative costs are increased<br>An individual received a quote from an insurance company that is a different rate from<br>individuals in the same risk class. The insurance company may be accused of &#8211; unfair<br>discrimination<br>An incomplete life insurance application submitted to an insurer will result in which of<br>these actions? &#8211; Application will be returned to the writing agent<br>All of these statements about the Waiver of Premium provision are correct, EXCEPT &#8211;<br>Insured must be eligible for Social Security disability for claim to be accepted<br>Which of these factors do NOT play a role in the underwriting of a life insurance policy?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Marital status<br>Traditional individual retirement annuity (IRA) distribution must start by: &#8211; April 1st of the<br>year following the year the participant attains age 70 1\/2<br>According to the Rules Advertisement of Life Insurance and Annuities, an agent may<br>NOT take which of the following actions during a sales presentation? &#8211; Mentioning<br>guaranteed policy dividends<br>What type of insurance offers permanent life coverage with premiums that are payable<br>for life? &#8211; Whole Life<br>If an insurance agent changes his\/her address, the Bureau of Insurance must be<br>notified within <strong>__<\/strong> calendar days. &#8211; 30<\/li>\n\n\n\n<li><\/li>\n<\/ul>\n\n\n\n<p>Virginia Life and Health Exam Review<br>2023-2024<br>What contract term means only one party to a contract&#8217;s promises are legally<br>enforceable? &#8211; Unilateral<br>Mr. Jones, the insured, committed suicide after the expiration of the suicide clause in his<br>life insurance policy. The insurer is obligated to: &#8211; Pay the death benefit.<br>The benefit that encourages the disabled policy owner to try to return to work is: &#8211;<br>Recurrent disability<br>Jeff has limited financial resources, but finds himself in a position where he needs a<br>good deal of protection. A __________would probably best suit his needs at this time. &#8211;<br>Term policy<br>Tyler owns a major medical policy with 70\/30 coinsurance and a $3,000 deductible. If he<br>submits a claim for $20,000, how much will he pay? &#8211; $8,100<br>Life insurance applications require a signature from: &#8211; The agent, insured, and<br>policyowner.<br>The cheapest premium payment mode would be on a policy that is paid: &#8211; Annually<br>If an applicant misstates their age on an insurance application, what does the insurer do<br>when it is discovered at claim time? &#8211; Adjust the claim benefits to reflect what he would<br>have been entitled to if his real age had been given.<br>Phil and Sarah bought a life policy in which both are insured. Sarah dies before Phil. If<br>the policy pays the death benefit after Phil dies, it is a: &#8211; Survivorship life<br>A decreasing term life policy would be the most appropriate for: &#8211; A 41 year old lawyer<br>who wants a policy to pay his mortgage if he dies<br>When an insured completed his health policy application, his producer did not take a<br>premium when he submitted it to the insurer. When the producer delivers the policy to<br>the applicant, he needs to do all of the following EXCEPT: &#8211; Issue the applicant a<br>conditional receipt.<br>What type group plan requires 75% participation? &#8211; Contributory<br>How much time does a licensee have to notify the Commissioner of Insurance of any<br>change of residential, mailing, or business address? &#8211; 30 days<\/p>\n\n\n\n<p>The services are provided on a prepaid per person basis called capitation in: &#8211; HMOs<br>In life insurance, insurable interest must be present at the time of: &#8211; Application<br>Mr. Johnson is looking at Medicare Supplement policies. These policies are designed<br>primarily to: &#8211; Provide benefits not covered by Medicare.<br>If the cash values of an annuity are invested in securities, it is a: &#8211; Variable annuity<br>What is a marketing communication that is oral, printed, or written and designed to<br>create public interest in life insurance or annuities? &#8211; Advertisement<br>What is the minimum time required for the basis of a long-term policy? &#8211; 12 consecutive<br>months<br>Alex&#8217;s life policy lapsed, which Nonforfeiture option would the insurer send him the value<br>of the policy? &#8211; Cash surrender<br>On January 3, an application is submitted without the initial premium. The insurer<br>requires a medical exam, and it is completed on January 15. On January 20, the insurer<br>issued the policy standard, and the producer delivers it on January 22. When is<br>coverage effective? &#8211; January 22, after the statement of good health is signed, and the<br>initial premium is paid.<br>What part of the policy directs the insurer on the recipients of benefits? &#8211; Payment of<br>Claims provision<br>What is the advantage of a payor benefit rider? &#8211; It provides a temporary waiver of<br>premium if the person paying the premium dies.<br>Dylan tells the insurer to keep the dividend and apply it to his next premium. He is using<br>which dividend option? &#8211; Reduction of premium<br>The Commissioner is responsible for all of the following in Virginia, EXCEPT: &#8211;<br>Enactment of insurance laws<br>How many hours of continuing education for 1 line of authority must insurance agents<br>complete every 2 years? &#8211; 16 hours<br>If James has an increasing term policy, which of the following must increase? &#8211; The<br>death benefit<br>The manner in which the proceeds of a life policy are handled are specified in what<br>provision? &#8211; Settlement options<\/p>\n\n\n\n<p>HOW TO PASS VIRGINIA LIFE<br>INSURANCE AND ANNUITIES NEW<br>EXAM<br>Methods of Handling Risk (STARR) &#8211; 1. Sharing (each member of group pays portion of<br>loss)<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\">\n<li>Transfer (spreading risk among customers)<\/li>\n\n\n\n<li>Avoidance (not engaging in certain activity)<\/li>\n\n\n\n<li>Reduction (lessening chance)<\/li>\n\n\n\n<li>Retention (indiv pays for loss)<br>Elements of Insurable Risk (CANHAM) &#8211; 1. Calculable (based on prior loss stats)<\/li>\n\n\n\n<li>Affordable (for avg consumer)<\/li>\n\n\n\n<li>Non-catastrophic (no widespread loss events)<\/li>\n\n\n\n<li>Homogeneous (similar indiv risks)<\/li>\n\n\n\n<li>Accidental<\/li>\n\n\n\n<li>Measurable ($ amt)<br>Types of Insurers (7) &#8211; 1. Stock insurer<\/li>\n\n\n\n<li>Mutual insurer<\/li>\n\n\n\n<li>Fraternal benefit societies<\/li>\n\n\n\n<li>Reciprocal insurers<\/li>\n\n\n\n<li>Risk retention groups<\/li>\n\n\n\n<li>Lloyd&#8217;s Associations<\/li>\n\n\n\n<li>Self-insurers<br>Classification of Insurers: Private v. Gov&#8217;t &#8211; -Gov&#8217;t includes SS, military life insurance,<br>residual market insurance<br>-Subsidize insurance programs to cover for catastrophic risk<br>Classification of Insurers: Domestic, Foreign, and Alien &#8211; 1. Domestic: insurer located in<br>state where they are incorporated<\/li>\n\n\n\n<li>Foreign: insurer sells in states other than where they are incorporated<\/li>\n\n\n\n<li>Insurer formed under laws of country outside of US<br>Classification of Insurers: Authorized v. Unauthorized &#8211; 1. Authorized: company is<br>licensed (has Cert of Authority) to sell insurance in that state<\/li>\n\n\n\n<li>Unauthorized: sell certain types of insurance (surplus) w\/o having license<\/li>\n<\/ol>\n\n\n\n<p>Classification of Insurers: Surplus Lines Insurers &#8211; unauthorized insurers that provide<br>insurance for indivs with large risk that no other authorized insurer will cover<br>Types of Agents (4) &#8211; 1. Independent Insurance Agents (represent the insured of<br>several companies)<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\">\n<li>Exclusive\/captive Agents (represent 1 insurer)<\/li>\n\n\n\n<li>General Agents\/Managing General Agents: hire\/train\/supervise other agents<\/li>\n\n\n\n<li>Direct-writing Companies: no independent agents, they all work for the insurer<br>Agent Authority &#8211; 1. Express<\/li>\n\n\n\n<li>Implied: not written, but actions agent normally do to sell insurance<\/li>\n\n\n\n<li>Apparent: actions by agent that a reasonable person would assume as authority<br>Elements of a Legal Contract (CLOAC) &#8211; -Consideration<br>-Legal Purpose<br>-Offer<br>-Acceptance<br>-Competent Parties<br>Characteristics of Insurance Contracts (12) &#8211; 1. Adhesion<\/li>\n\n\n\n<li>Aleatory<\/li>\n\n\n\n<li>Utmost Good Faith, Reasonable Expectation<\/li>\n\n\n\n<li>Unilateral<\/li>\n\n\n\n<li>Personal<\/li>\n\n\n\n<li>Conditional<\/li>\n\n\n\n<li>Indemnity<\/li>\n\n\n\n<li>Representations, misrepresentations, warranties<\/li>\n\n\n\n<li>Concealment<\/li>\n\n\n\n<li>Fraud<\/li>\n\n\n\n<li>Fraud and False Statements<\/li>\n\n\n\n<li>Waiver and Estoppel<br>Underwriting Application Parts (3) &#8211; 1. General Information<\/li>\n\n\n\n<li>Health Information<\/li>\n\n\n\n<li>Producer&#8217;s Report<br>Medical Information Bureau (MIB) &#8211; -maintains underwriting info on applicants<br>-all member companies have access<br>-reduces misrepresentation\/fraud<br>-can&#8217;t be sole criteria for underwriting decision<\/li>\n\n\n\n<li><\/li>\n<\/ol>\n\n\n\n<p>Virginia life insurance exam complete<br>document<br>All of the following entities regulate variable life policies EXCEPT<br>a)The Insurance Department.<br>b)The Guaranty Association.<br>c)Federal government.<br>d)The SEC. &#8211; b)The Guaranty Association.<br>Which of the following is TRUE for both equity indexed annuities and fixed annuities?<br>a)They have a guaranteed minimum interest rate<br>.b)They are both tied to an equity index.<br>c)Both are considered to be more risky than variable annuities.<br>d)They invest on a conservative basis. While equity indexed annuities earn higher<br>interest rates than fixed annuities, both types of annuities guarantee a specific minimum<br>interest rate. &#8211; a)They have a guaranteed minimum interest rate.<br>Which of the following best describes annually renewable term insurance?<br>a)It is level term insurance.<br>b)It requires proof of insurability at each renewal.<br>c)Neither the premium nor the death benefit is affected by the insured&#8217;s age.<br>d)It provides an annually increasing death benefit. &#8211; a)It is level term insurance.<br>If a consumer requests additional information concerning an investigative consumer<br>report, how long does the insurer or reporting agency have to comply?<br>a)5 days<br>b)7 days<br>c)10 days<\/p>\n\n\n\n<p>d)3 days &#8211; a)5 days<br>Group life insurance is a single policy written to provide coverage to members of a<br>group. Which of the following statements concerning group life is CORRECT?<br>a)100% participation of members is required in noncontributory plans.<br>b)Each member covered receives a policy.<br>c)Coverage cannot be converted when an individual leaves the group.<br>d)Premiums are determined by age, occupation, and individual underwriting. &#8211; a)100%<br>participation of members is required in noncontributory plans.<br>Which of the following is correct concerning the taxation of premiums in a key-person<br>life insurance policy?<br>a)Premiums are taxable to the employee.<br>b)Premiums are not tax deductible as a business expense.<br>c)Premiums are tax deductible by the key employee.<br>d)Premiums are tax deductible as a business expense. &#8211; b)Premiums are not tax<br>deductible as a business expense.<br>In a life settlement contract, whom does the life settlement broker represent?<br>a)The beneficiary<br>b)The life settlement intermediary<br>c)The owner<br>d)The insurer &#8211; c)The owner<br>Under which nonforfeiture option does the company pay the surrender value and have<br>no further obligations to the policyowner?<br>a)Cash surrender<br>b)Reduced paid-up<br>c)Paid-up options<br>d)Extended term &#8211; a)Cash surrender<\/p>\n\n\n\n<p>Because an insurance policy is a legal contract, it must conform to the state laws<br>governing contracts which require all of the following elements EXCEPT<br>a)Conditions.<br>b)Consideration.<br>c)Legal purpose.<br>d)Offer and acceptance. &#8211; a)Conditions.<br>When an employer offers to give an employee a wage increase in the amount of the<br>premium on a new life insurance policy, this is called a(n)<br>a)Key person policy.<br>b)Fraternal association.<br>c)Aleatory contract.<br>d)Executive bonus. &#8211; d)Executive bonus.<br>The validity of coverage under a life insurance policy may not be contested, except for<br>nonpayment of premium, after the policy has been in force for at least how many years?<br>a)1 year<br>b)2 years<br>c)5 years<br>d)7 years &#8211; b)2 years<br>Which of the following is the best reason to purchase life insurance rather than<br>annuities?<br>a)To liquidate a sum of money over a lifetime<br>b)To create an estate<br>c)To liquidate a sum of money over a period of years<br>d)To create regular income payments &#8211; b)To create an estate<br>Which of the following riders would NOT cause the Death Benefit to increase?<br>a)Cost of Living Rider<br>b)Accidental Death Rider<br>c)Payor Benefit Rider<br>d)Guaranteed Insurability Rider &#8211; c)Payor Benefit Rider<br>Which of the following settlement options in life insurance is known as straight life?<br>a)Fixed amount<br>b)Life income<br>c)Single life<br>d)Life with period certain &#8211; b)Life income<br>What is the purpose of a conditional receipt?<br>a)It is given only to applicants who fully prepay the premium<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Virginia Life: Life Insurance Policies (AB)Accumulate &#8211; To build upAttained Age &#8211; The insured&#8217;s age at the time the policy is renewed or replacedCash Value &#8211; A policy&#8217;s savings element or living benefitDeferred &#8211; Withheld or postponed until a specified time or event in the futureEndow &#8211; To have the cash value of a whole [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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