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| Certification Vendor: | Virginia Bureau of Insurance |
|---|---|
| Exam Name: | VA Life, Annuities & Health Insurance |
| Exam Number: | 11-01 |
| Passing Score: | 70% |
| Available Languages: | English |
| Real Exam Qty: | 150 |
| Related Certifications: | Virginia Life and Health Insurance License |
| Exam Price: | $35 USD |
| Exam Format: | Multiple Choice |
| Exam Duration: | 150 minutes |
| 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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NEW QUESTION # 320
Which annuity may be appropriate for an individual, age 50, who wants to help pay for a grandchild's college expenses in fifteen years?
Answer: C
Explanation:
A deferred annuity would be appropriate for an individual, age 50, who wants to help pay for a grandchild's college expenses in fifteen years. With a deferred annuity, the individual can make contributions now, and the annuity will accumulate value over time. The annuity will begin making payments in the future (in this case, fifteen years) to help fund the grandchild's college expenses. A survivorship annuity, immediate annuity, or pure life annuity would not be suitable for this purpose, as they either begin payments immediately or are focused on providing income for the lifetime of the annuitant.
NEW QUESTION # 321
All of the following are advantages of whole life insurance EXCEPT:
Answer: D
Explanation:
Detailed Answer in Step-by-Step Solution:
* Whole life insurance offers policy loans (A), lifelong protection (B), and cash value (D), but its initial cost (C) is higher than term insurance for the same death benefit due to the savings component.
* Term insurance is cheaper initially, making C the exception.
The Virginia study guide highlights that whole life provides permanent coverage and cash value, but at a higher initial premium than term insurance, which offers temporary, lower-cost protection. Reference:
Virginia Life, Annuities, and Health Insurance study guide, section on "Types of Life Insurance."
NEW QUESTION # 322
The document given to employees under a group life insurance plan that describes the basic features of the life insurance coverage is:
Answer: D
Explanation:
Employees under group life plans receive certificates of insurance summarizing coverage, not full policies. Exact extract: "Each employee insured under a group life policy shall be given a certificate of insurance describing coverage." Reference:
NEW QUESTION # 323
When the amount of a policy loan plus interest exceeds a life insurance policy's cash value:
Answer: B
Explanation:
If the amount of a policy loan plus accrued interest exceeds the life insurance policy's cash value, the policy will generally lapse and become no longer in force. This occurs because the insurer cannot lend more than the available cash value, and the outstanding loan would exceed the policy's value, leading to its termination.
NEW QUESTION # 324
Which life insurance policy provision has the potential to reduce the death benefit?
Answer: D
Explanation:
The "accelerated benefit" provision allows a policyholder to access a portion of the life insurance death benefit while still alive, typically due to a terminal illness or other qualifying condition. This means that the amount advanced as an accelerated benefit will be subtracted from the total death benefit that will be paid to the beneficiaries after the insured's death.
NEW QUESTION # 325
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