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Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Exam Overview:

Certification Vendor:	Virginia State Corporation Commission - Bureau of Insurance
Exam Name:	Virginia Life, Annuities, and Health Insurance Examination Series 11-01
Exam Number:	11-01
Real Exam Qty:	150
Related Certifications:	Virginia Property & Casualty Insurance (Series 11-03) Virginia Personal Lines Insurance (Series 11-04)
Passing Score:	70%
Exam Format:	Multiple Choice
Exam Price:	$35 USD
Available Languages:	English
Certificate Validity Period:	2 years (renewable)
Exam Duration:	150 minutes
Recommended Training:	Virginia Bureau of Insurance Study Materials
Exam Registration:	Virginia SCC Licensing Portal Prometric Registration
Sample Questions:	Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Sample Questions
Exam Way:	Computer-based, delivered at Prometric test centers; online proctoring available
Pre Condition:	No formal education or experience prerequisites; must be at least 18 years old, resident or non-resident applying for Virginia license; no prior exam required
Official Syllabus URL:	https://www.scc.virginia.gov/pages/Bureau-of-Insurance

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Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Exam Syllabus Topics:

Topic	Details
Topic 1	Life Insurance Policies: This domain examines various life insurance products including term, whole life, universal life, specialized policies, and group life insurance, covering their characteristics, features, and appropriate applications.
Topic 2	General Insurance: This domain introduces fundamental insurance concepts including risk management methods, types of insurers, agent authority, and the essential elements and characteristics of insurance contracts including legal doctrines governing agreements.
Topic 3	Individual Health Insurance Policy General Provisions: This domain covers uniform required and optional provisions in individual health policies including contract terms, claims procedures, grace periods, renewability classifications, and the free look period.
Topic 4	Insurance Regulation: This domain covers Virginia's regulatory framework for insurance agents and companies, including licensing, appointments, continuing education, disciplinary actions, and the State Corporation Commission's authority. It also addresses federal regulations like the Fair Credit Reporting Act and ACA market reforms.
Topic 5	Federal Tax Considerations for Health Insurance: This domain examines federal tax treatment of personally-owned and employer-provided health insurance, business disability insurance, and tax-advantaged accounts including HSAs, HRAs, and FSAs.
Topic 6	Disability Income and Related Insurance: This domain addresses disability income insurance including benefit qualifications, individual and group policy features, riders, underwriting considerations, business applications, and Social Security and workers compensation benefits.
Topic 7	Dental Insurance: This domain addresses dental insurance including types of treatment, indemnity plan structures, benefit categories, deductibles and coinsurance, and employer group dental plans.
Topic 8	Life Insurance Policy Provisions, Options and Riders: This domain addresses standard contract provisions, beneficiary designations, settlement options, nonforfeiture provisions, policy loans, dividend options, and riders including disability benefits and accelerated death benefits.

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q221-Q226):

NEW QUESTION # 221
The purchaser of a deferred annuity normally intends that the income benefits will begin:

A. Upon the death of the annuitant
B. Upon request of the designated beneficiary
C. On a specified date often years after issuance
D. Within several weeks after the annuity is purchased

Answer: C

Explanation:
The purchaser of a deferred annuity typically intends for the income benefits to begin on a specified date, often years after issuance. The purpose of a deferred annuity is to allow the policyholder to accumulate funds during the deferral period, and then begin receiving periodic payments at a later date, such as retirement. This is in contrast to immediate annuities, which start paying out shortly after the annuity is purchased.

NEW QUESTION # 222
All of the following statements about the interest ONLY settlement option in life insurance policies are true EXCEPT:

A. The proceeds of the policy are left with the insurance company
B. At some later date, the principal may be paid under one of the other options
C. The interest on the principal amount is paid periodically to the beneficiary
D. The option can be selected only by the beneficiary

Answer: D

Explanation:
Virginia Code § 38.2-3115 governs life insurance settlement options. The interest-only option keeps proceeds with the insurer (option A, true), paying interest periodically to the beneficiary (option C, true, e.g., quarterly), and allows the principal to be withdrawn or redirected later (option D, true, e.g., switching to fixed period). Option B is false; the policyowner can select this option during the policy term, not just the beneficiary post-death-though beneficiaries may elect it if not pre-specified. The study guide likely explains this flexibility with examples-e.g., a $100,000 policy earning 3% interest paid monthly-noting both parties' roles, making B the exception since it restricts choice to the beneficiary alone.

NEW QUESTION # 223
(What is the MINIMUM percentage of employees who must participate in an employer's noncontributory group life insurance plan?)

A. 75%
B. 90%
C. 85%
D. 100%

Answer: D

Explanation:
In a noncontributory group life insurance plan, the employer pays the entire premium. Because employees are not required to contribute, Virginia group insurance standards require 100% participation of eligible employees to prevent adverse selection.
Lower participation thresholds apply only to contributory plans, where employees share premium costs. Therefore, option D correctly reflects the participation requirement for noncontributory group life insurance.

NEW QUESTION # 224
An agent who misrepresents a life insurance policy in the Commonwealth of Virginia:

A. Has no problem if the misrepresented information is about a competitor's product
B. May be required to take an additional 30 hours of continuing education
C. May be prohibited from representing similar products for 30 days
D. Has committed an illegal act

Answer: D

Explanation:
Virginia law clearly states that misrepresentation of a policy is an unlawful act and a violation of the Unfair Trade Practices Act. The violation applies regardless of whether the misrepresentation concerns the agent's own product or a competitor's.
Exact Extract (Virginia Unfair Trade Practices Law): "It is an unfair and prohibited practice for any person to make, issue, or circulate any misrepresentation of a policy or contract of insurance." Reference (Virginia Documents / Study Guide):
- Code of Virginia §38.2-502 (Misrepresentation prohibited)

NEW QUESTION # 225
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:

A. Policy is within 31 days of the renewal date
B. Insured has submitted claims in excess of $2,000 during the policy year
C. Policy has entered into the grace period for premium payment
D. Insurer was not notified prior to the claim that the insured has other health coverage

Answer: D

Explanation:
The "insurance with other insurers" provision, addressed in Virginia Code § 38.2-3514, is a coordination of benefits (COB) mechanism in individual health insurance policies designed to prevent over-insurance and duplicate payments when an insured has multiple policies covering the same loss. This provision allows the insurer to prorate benefits-paying a share based on the total coverage-when certain conditions are met.
Option C states that the insurer wasn't notified prior to the claim of other coverage, which triggers proration.
This aligns with standard COB rules: if the insurer isn't informed of other policies, it may assume primary liability initially but adjust to a pro-rata share upon discovery, ensuring equitable payment across insurers.
Option A (within 31 days of renewal) is irrelevant; renewal proximity doesn't affect benefit coordination.
Option B (grace period) relates to premium payment timing, not other insurance, and doesn't trigger proration.
Option D ($2,000 claim threshold) is arbitrary and not a standard condition in Virginia law or study materials for this provision. The study guide likely emphasizes notification as key to COB, as Virginia follows NAIC model regulations requiring disclosure of other coverage (e.g., via application or claim forms). Without prior notice, the insurer applies proration retroactively, making C the correct choice.

NEW QUESTION # 226
......

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