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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
Related Certifications:	Virginia Personal Lines Insurance (Series 11-04) Virginia Property & Casualty Insurance (Series 11-03)
Passing Score:	70%
Exam Price:	$35 USD
Exam Format:	Multiple Choice
Real Exam Qty:	150
Exam Duration:	150 minutes
Certificate Validity Period:	2 years (renewable)
Available Languages:	English
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	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 2	Annuities: This domain covers annuity principles, immediate versus deferred annuities, payment options, product types including fixed and variable annuities, and uses for retirement income and tax-deferred growth.
Topic 3	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 4	Health Insurance Basics: This domain introduces health insurance fundamentals including covered perils, types of benefits, policy classifications, limited policies, common exclusions, agent responsibilities, underwriting processes, and replacement considerations.
Topic 5	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 6	Medical Plans: This domain examines medical insurance delivery systems including major medical, HMOs, PPOs, and POS plans, along with cost containment strategies, Virginia eligibility requirements, HIPAA provisions, and HSAs.
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	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 9	Insurance for Senior Citizens and Special Needs Individuals: This domain covers Medicare Parts A-D, Medicare supplement insurance with standardized plans and Virginia regulations, other coverage options for Medicare-eligible individuals, and comprehensive long-term care insurance requirements.
Topic 10	Group Health Insurance: This domain covers group health insurance characteristics, eligible groups, underwriting criteria, employee and dependent eligibility, continuation of coverage under COBRA, and small employer plan requirements.
Topic 11	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 12	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.
Topic 13	Federal Tax Considerations for Life Insurance and Annuities: This domain examines federal tax treatment of life insurance and annuities including death benefits, policy loans, modified endowment contracts, non-qualified annuities, IRAs, and Section 1035 exchanges.
Topic 14	Life Insurance Basics: This domain covers insurable interest, personal and business uses of life insurance, methods for determining coverage amounts, policy classifications, premium determination factors, agent sales responsibilities, and the underwriting process.

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q309-Q314):

NEW QUESTION # 309
The designation of a beneficiary by class in a life insurance policy means that:

A. The beneficiaries are unrelated to the insured
B. A primary beneficiary cannot be designated in the policy
C. Individual beneficiaries are not specified by name
D. The policy must be a form of business life insurance

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
Designating a beneficiary "by class" means identifying a group (e.g., "my children") rather than naming specific individuals (C).
Option A (business life insurance) is unrelated to class designation.
Option B (no primary beneficiary) is incorrect; a class can still be primary.
Option D (unrelated beneficiaries) is not a requirement of class designation.
The Virginia study guide notes that a class designation identifies beneficiaries by a category (e.g., "spouse" or "heirs") rather than specific names, offering flexibility. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Beneficiary Designations."

NEW QUESTION # 310
Short-term group disability income insurance:

A. Frequently provides coverage through age 65 for insureds who are over 55 when they become disabled
B. Usually coordinates the amount of benefits paid with disability benefits received under Social Security
C. Often has a benefit period extending up to a maximum of ten years
D. Usually provides benefits expressed as a percentage of the insured's normal weekly wage, up to a specified weekly maximum

Answer: D

Explanation:
Virginia exam materials describe standard STD plan design as wage-replacement for a short duration with a weekly cap; integration with Social Security and multi-year benefit periods are characteristics of long-term disability (LTD), not STD. Exact extract (Study Guide): "Short-Term Disability (STD) pays weekly benefits, typically 50%-60% of earnings, subject to a weekly maximum, for a short duration (commonly up to 13-26 weeks)." "Coordination with Social Security benefits is generally a feature of LTD, not STD."

NEW QUESTION # 311
When may a person insured under a group term insurance policy exercise the conversion option?

A. Anytime while insurable and still a member of the insured group
B. Within 31 days after the person has terminated employment
C. Anytime after the group contract has existed for five years
D. Never, because group life insurance does not have a conversion privilege

Answer: B

Explanation:
Virginia Code § 38.2-3330 mandates a conversion privilege in group term life policies, allowing insureds to convert to an individual policy without evidence of insurability within 31 days after losing group eligibility (e.
g., employment termination). Option C matches this precisely. Option A is false; conversion is a legal requirement. Option B is incorrect; conversion applies post-eligibility, not during active membership while still insurable. Option D (five years) is arbitrary and unsupported by law. The study guide likely details this
31-day window with examples-e.g., an employee converting to whole life after layoffs-emphasizing its protective role, making C the correct timing.

NEW QUESTION # 312
When a five-year renewable term life insurance policy issued at age 35 is renewed, the premium rate will be the current rate for:

A. Five-year term insurance for a person aged 35
B. Five-year term insurance for a person aged 40
C. Yearly renewable term insurance for a person aged 35
D. Yearly renewable term insurance for a person aged 40

Answer: B

Explanation:
Renewable term insurance renews at the insured's attained age, not the original issue age. Thus, at renewal after five years, the premium is based on age 40 rates.
Exact Extract (Virginia Life Insurance Study Guide): "Renewable term-premiums increase at renewal based on the insured's attained age." Reference (Virginia Documents / Study Guide):
- Virginia Life Insurance Examination Outline, Term Insurance Features

NEW QUESTION # 313
Under Medicare Supplement insurance, what form provides information about services, benefits, copayments, deductibles, exclusions, premiums, and the insurer?

A. The notice of benefit change
B. The outline of coverage
C. The supplemental disclosure form
D. The notice of replacement

Answer: B

Explanation:
An outline of coverage must be given to all applicants at the time of application. This document clearly describes the benefits, services, copayments, deductibles, exclusions, limitations, and premium details so that consumers can make informed choices. Virginia regulations require insurers to deliver this document in a standard format prescribed by the Bureau of Insurance.
Exact Extract (Virginia Medicare Supplement Regulations): "Issuers shall provide an outline of coverage to all applicants at the time the application is presented... It shall include a description of benefits, services, exclusions, copayments, deductibles, and premiums." Reference (Virginia Documents / Study Guide):
- Virginia Administrative Code 14VAC5-170-150 (Required disclosure provisions - Outline of Coverage)
- Code of Virginia §38.2-3606 (Outline of Coverage requirement)

NEW QUESTION # 314
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