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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:	Series 11-01
Exam Format:	Computer-based testing, Multiple-choice
Certificate Validity Period:	Varies (typically requires renewal every 2 years with continuing education requirements)
Available Languages:	English
Related Certifications:	Virginia Life Insurance License Virginia Health Insurance License Virginia Annuities License
Recommended Training:	Kaplan Financial Education (Insurance Licensing Prep) ExamFX Insurance Exam Prep
Exam Registration:	Pearson VUE Virginia Insurance Exams Virginia Bureau of Insurance Licensing Information
Sample Questions:	Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Sample Questions
Exam Way:	Computer-based testing at approved testing centers (Pearson VUE)
Pre Condition:	Varies; candidates should check Virginia Bureau of Insurance requirements for pre-licensing education and eligibility rules
Official Syllabus URL:	https://www.scc.virginia.gov/boi/licensing

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

Topic	Details
Topic 1	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 2	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 3	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 4	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 5	Qualified Plans: This domain addresses employer-sponsored retirement plans including qualification requirements, tax advantages, and various plan types such as SEPs, 401(k)s, and 403(b) plans.
Topic 6	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 7	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 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	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.

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q390-Q395):

NEW QUESTION # 390
All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:

A. Physical examinations
B. Well-baby checkups
C. Immunizations for children
D. Experimental surgery

Answer: D

Explanation:
Virginia Code § 38.2-4306 requires HMOs to offer preventive care, coordinated by primary care physicians (PCPs), focusing on health maintenance. Option A (well-baby checkups), option B (immunizations for children), and option D (physical examinations) are standard preventiveservices-e.g., growth monitoring, vaccines, and annual exams-covered at no cost under ACA-aligned plans (Virginia Code § 38.2-3440).
Option C (experimental surgery) is not preventive; it's a treatment, often excluded or requiring special approval due to its unproven nature, not a PCP's routine role. The study guide likely lists HMO preventive benefits with examples (e.g., flu shots), contrasting them with non-preventive interventions like surgery, making C the exception.

NEW QUESTION # 391
When a health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?

A. The principal insured individual
B. The patient or parent of the patient
C. The premium payor
D. The insurer

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* If a health insurer requires a physical exam (e.g., for underwriting or claims), the insurer pays the cost (D), as it's their condition for coverage or payment.
* The premium payor (A), insured (B), or patient (C) aren't responsible for insurer-mandated exams.
The Virginia study guide specifies that insurer-required exams, such as for contesting claims, are at the insurer's expense, per the physical examination provision. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Policy Provisions."

NEW QUESTION # 392
A health maintenance organization (HMO) member receives all preventive and routine medical care from the:

A. Primary care physician
B. Medical director
C. Routine care physician
D. Provider association

Answer: A

Explanation:
Virginia Code § 38.2-4303 defines the HMO model, where the primary care physician (PCP, option A) acts as the gatekeeper, delivering preventive (e.g., vaccines) and routine care (e.g., checkups), and coordinating referrals. Option B (medical director) oversees HMO operations, not direct care. Option C (routine care physician) isn't a standard term; the PCP fills this role. Option D (provider association) might imply a network, but care comes from the individual PCP, not a collective. The study guide likely explains the PCP's central role with examples-e.g., a member seeing their PCP for a flu shot-highlighting HMO cost-control via this structure, making A the correct provider.

NEW QUESTION # 393
Pre-existing conditions include conditions of health that:

A. Are never insurable under any circumstances or degree of severity
B. Develop after the effective date of the policy but before the expiration of the time limit on certain defenses
C. Must exist before an applicant can be accepted by an insurer
D. Have been medically treated or diagnosed prior to the effective date of coverage

Answer: D

Explanation:
Pre-existing conditions are defined as illnesses or conditions for which an insured received medical advice, diagnosis, or treatment prior to the effective date of coverage.
Exact Extract (Virginia Health Insurance Study Guide): "Pre-existing condition-any condition for which diagnosis, medical advice, or treatment was received prior to the policy's effective date." Reference (Virginia Documents / Study Guide):
- Virginia Health Insurance Examination Outline, Policy Exclusions and Limitations

NEW QUESTION # 394
(How long must a licensee maintain records of a cybersecurity event?)

A. 3 years
B. 10 years
C. 5 years
D. 2 years

Answer: C

Explanation:
Virginia's insurance data security regulations require licensees to maintain records of cybersecurity events for a minimum of five years. These records must be available for examination by the Bureau of Insurance and are essential for demonstrating compliance, remediation efforts, and incident response procedures.
Shorter retention periods do not meet regulatory standards, and longer periods are not mandated. Therefore, option C is correct.
This requirement reinforces accountability and supports regulatory oversight of data protection practices within the insurance industry.

NEW QUESTION # 395
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