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| 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 Property & Casualty Insurance (Series 11-03) Virginia Personal Lines Insurance (Series 11-04) |
| Exam Duration: | 150 minutes |
| Available Languages: | English |
| Exam Format: | Multiple Choice |
| Exam Price: | $35 USD |
| Certificate Validity Period: | 2 years (renewable) |
| Real Exam Qty: | 150 |
| Passing Score: | 70% |
| 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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NEW QUESTION # 354
During the first two years a life insurance policy is in force, the insurer may contest a policy for all of the following reasons EXCEPT:
Answer: D
Explanation:
During the first two years a life insurance policy is in force, the insurer may contest the policy for reasons such as material misrepresentation, fraud, or material concealment in the application. However, the insurer cannot contest a policy for a misstatement of age unless the misstatement was made with the intent to deceive. Misstatement of age generally only results in a benefit adjustment rather than a policy contest.
NEW QUESTION # 355
All of the following underwriting criteria are useful in evaluating the health risks of a group EXCEPT:
Answer: A
Explanation:
When underwriting group health, insurers consider the group's stability, demographics, and industry risk. Persistency (how long the employer has had coverage) is important for business retention but is not directly a health risk factor.
Exact Extract (Virginia Group Insurance Study Guide): "Underwriting group health considers stability, composition, and industry. Persistency of a contract relates to retention, not health risk." Reference (Virginia Documents / Study Guide):
- Virginia Health Insurance Examination Outline, Group Underwriting Factors
NEW QUESTION # 356
At the request of a small group medical plan policyholder the insurer must disclose all of the following EXCEPT:
Answer: B
Explanation:
Virginia small-group medical insurance disclosure rules require insurers to inform policyholders of renewability provisions, available benefits, and rights related to premium rate increases. However, insurers are not required to disclose their business operating expenses. Exact extract: "At the request of the policyholder, the insurer shall disclose the insurer's right to increase premium rates, the renewability provisions, and all available benefits." Reference:
NEW QUESTION # 357
When a small employer health insurance plan is offered, it must be available:
Answer: A
Explanation:
Virginia Code § 38.2-3431 et seq., aligned with the ACA, requires small employer health plans (1-50 employees) to offer coverage to all eligible employees who apply, without discrimination based on health status or other factors. "Eligible" typically means full-time employees meeting the employer's criteria (e.g., 30+ hours/week). Option A reflects this guaranteed issue mandate, ensuring broad access. Option B (12-month waiting period) is false; Virginia and federal law cap waiting periods at 90 days (Virginia Code § 38.2-3445), not 12 months. Option C (evidence of insurability) contradicts guaranteed issue rules for small groups, which prohibit medical underwriting. Option D (under age 65) is incorrect; coverage extends to all eligible employees regardless of age, though Medicare coordination may apply post-65. The study guide likely stresses this inclusivity as a cornerstone of small group market reforms, making A the correct answer.
NEW QUESTION # 358
If an agent unknowingly violates insurance laws, what is the maximum aggregate penalty for similar violations occurring?
Answer: D
Explanation:
Detailed Answer in Step-by-Step Solution:
* In Virginia, unintentional violations by an agent can result in fines, with a maximum aggregate penalty of $10,000 (C) for similar violations, as set by state insurance regulations.
* Options A, B, and D deviate from this standard cap for unintentional acts.
The Virginia study guide, aligned with Virginia Code, specifies a $10,000 maximum aggregate penalty for unintentional violations, with higher penalties possible for willful acts. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Penalties and Enforcement."
NEW QUESTION # 359
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