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

Certification Vendor:Virginia Bureau of Insurance
Exam Name:VA Life, Annuities & Health Insurance
Exam Number:11-01
Real Exam Qty:150
Related Certifications:Virginia Life and Health Insurance License
Exam Duration:150 minutes
Exam Price:$35 USD
Passing Score:70%
Available Languages:English
Exam Format:Multiple Choice
Sample Questions:Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Sample Questions
Exam Way:Computer-based testing at Prometric test centers. Two sections: General Knowledge (100 scoreable + 5 pretest questions) and Virginia-Specific (40 scoreable + 5 pretest questions). Must achieve 70% on both sections to pass. Section 1 must be completed before Section 2 begins.
Pre Condition:None specified. No requirement to be hired or sponsored by an insurance company before taking the exam.
Official Syllabus URL:https://www.prometric.com/virginia/insurance

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

TopicDetails
Topic 1
  • 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 2
  • 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 3
  • 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 4
  • 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 5
  • 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 6
  • 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 7
  • 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 8
  • 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 9
  • 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 10
  • 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 11
  • 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 12
  • 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.

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q213-Q218):

NEW QUESTION # 213
When first joining an HMO, a member usually will be asked to select a:

Answer: C

Explanation:
In an HMO, members designate a primary care physician (PCP) who coordinates care and issues referrals to specialists. This gatekeeper function is a hallmark of HMO plans.
Exact Extract (Virginia HMO Study Guide): "HMO members select a primary care physician responsible for providing and coordinating all medical care." Reference (Virginia Documents / Study Guide):
- Virginia Health Insurance Examination Outline, HMO Characteristics


NEW QUESTION # 214
When replacing individual health insurance, an agent should compare existing benefits with the proposed new policy to determine if:

Answer: B

Explanation:
When replacing individual health insurance, the agent must ensure that the benefits of the new policy are at least comparable to those of the existing policy. The goal is to make sure that the insured's coverage remains consistent or better under the new plan, and that they do not face any gaps in coverage. The other options, such as commissions or grace periods, are secondary considerations, but the primary concern is maintaining similar or improved benefits.


NEW QUESTION # 215
One characteristic of flexible premium life insurance is that payment of the premium can be altered at the option of:

Answer: B

Explanation:
Flexible premium life insurance, such as universal life (Virginia Code § 38.2-3113.1), allows the policyowner to adjust premium payments within policy limits (e.g., minimum to maintain coverage, maximum for tax advantages), offering flexibility over fixed-premium plans like whole life. Option A correctly identifies the policyowner as the decision-maker. Option B (contingent beneficiary) is false; beneficiaries have no control over premiums. Options C and D tie adjustments to economic indices (CPI, interest rates), but Virginia law and standard policies don't grant insurers unilateral premium-changing rights based on these factors- flexibility is the policyowner's prerogative, subject to cash value sufficiency. The study guide likely contrasts this with traditional policies, using examples of skipped or increased payments, confirming A as the defining trait.


NEW QUESTION # 216
When a health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?

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 # 217
An insurance agent who fails to handle premiums received in a trustworthy manner may be guilty of:

Answer: B

Explanation:
Agents are fiduciaries, meaning they must handle clients' premiums with the highest standard of care. Misuse or misappropriation of funds constitutes a violation of fiduciary duty.
Exact Extract (Virginia Agent Regulations): "Insurance producers act in a fiduciary capacity regarding premiums received from insureds and must promptly remit them to insurers." Reference (Virginia Documents / Study Guide):
- Code of Virginia §38.2-1834 (Fiduciary responsibility of agents)


NEW QUESTION # 218
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