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

SectionObjectives
Topic 1: Virginia-Specific Content- Virginia Statutes and Regulations Common to Life, Accident and Health Insurance
  • 1. Disciplinary actions
  • 2. State Corporation Commission's authority
  • 3. Continuing education
  • 4. Insurance Regulation
  • 5. Fair Credit Reporting Act
  • 6. Appointments
  • 7. Virginia licensing requirements
  • 8. ACA market reforms
Topic 2: General Insurance Knowledge (National)- Qualified Plans
  • 1. Qualification requirements
  • 2. Tax advantages
  • 3. SEPs, 401(k)s, and 403(b) plans
  • 4. Employer-sponsored retirement plans
- Types of Life Policies
  • 1. Traditional whole life products
  • 2. Interest/market-sensitive life products
  • 3. Combination plans and variations
  • 4. Term life
  • 5. Annuities
- Life Insurance Basics
  • 1. Agent sales responsibilities
  • 2. Policy classifications
  • 3. Personal and business uses of life insurance
  • 4. Premium determination factors
  • 5. Underwriting process
  • 6. Methods for determining coverage amounts
  • 7. Insurable interest
- Disability Income and Related Insurance
- Health Insurance Basics
  • 1. Underwriting processes
  • 2. Policy classifications
  • 3. Types of benefits
  • 4. Covered perils
  • 5. Common exclusions
  • 6. Limited policies
  • 7. Agent responsibilities
  • 8. Replacement considerations
- Federal Tax Considerations for Health Insurance
  • 1. Business disability insurance
  • 2. Personally-owned health insurance tax treatment
  • 3. HSAs, HRAs, and FSAs
  • 4. Employer-provided health insurance tax treatment
- Subrogation
- Workers Compensation
- Insurance for Senior Citizens and Special Needs Individuals
- Medical Plans
  • 1. Managed care
- Taxes, Retirement, and Other Life Insurance Concepts
  • 1. Tax treatment of insurance premiums, proceeds, and dividends
  • 2. Social Security benefits and taxes
  • 3. Group life insurance
  • 4. Third-party ownership
  • 5. Retirement plans
  • 6. Life insurance needs analysis/suitability
- Group Health Insurance
  • 1. Group health insurance characteristics
  • 2. Small employer plan requirements
  • 3. Continuation of coverage under COBRA
  • 4. Eligible groups
  • 5. Underwriting criteria
  • 6. Employee and dependent eligibility
- Annuities
  • 1. Fixed and variable annuities
  • 2. Payment options
  • 3. Annuity principles
  • 4. Uses for retirement income and tax-deferred growth
  • 5. Immediate versus deferred annuities
- Life Insurance Policy Provisions, Options and Riders
  • 1. Disability benefits and accelerated death benefits
  • 2. Policy riders
  • 3. Beneficiary designations
  • 4. Standard contract provisions
  • 5. Nonforfeiture provisions
  • 6. Dividend options
  • 7. Policy loans
  • 8. Settlement options
- Completing the Application, Underwriting, and Delivering the Life Policy
  • 1. Completing the application
  • 2. Delivering the policy
  • 3. Underwriting
- Individual Health Insurance Policy General Provisions
  • 1. Uniform required and optional provisions
  • 2. Renewability classifications
  • 3. Free look period
  • 4. Contract terms
  • 5. Claims procedures
  • 6. Grace periods
- Field Underwriting Procedures
  • 1. Initial premium payment and receipt
  • 2. Replacement
  • 3. Ensuring delivery of policy and related documents to client
  • 4. Completing application and obtaining necessary signatures
  • 5. Explaining policy provisions, riders, exclusions, and ratings
  • 6. Contract law
  • 7. Explaining sources of insurability information
  • 8. Submitting application to company for underwriting
- Types of Health Policies
  • 1. Accidental death and dismemberment
  • 2. Medical expense insurance
  • 3. Disability income
- Dental Insurance
  • 1. Indemnity plan structures
  • 2. Types of treatment
  • 3. Employer group dental plans
  • 4. Benefit categories
  • 5. Deductibles and coinsurance
- Federal Tax Considerations for Life Insurance and Annuities
  • 1. Section 1035 exchanges
  • 2. Non-qualified annuities
  • 3. Federal tax treatment of death benefits
  • 4. IRAs
  • 5. Modified endowment contracts
  • 6. Policy loans

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q84-Q89):

NEW QUESTION # 84
Which annuity would provide benefit payments for five years to the beneficiary if the annuitant died five years after the benefit payments began?

Answer: C

Explanation:
A five-year annuity certain provides guaranteed payments for a specific period (in this case, five years). If the annuitant dies before the end of the five-year period, the beneficiary will receive the remaining payments for the balance of the five years. This ensures the payment duration regardless of the annuitant's death.


NEW QUESTION # 85
In a noncancelable disability income policy:

Answer: C

Explanation:
Noncancelable policies guarantee both renewability and level premiums. The insurer cannot raise rates or cancel coverage as long as premiums are paid. Exact extract: "A noncancelable policy may not be canceled nor may premiums be increased by the insurer beyond what is stated in the contract." This makes noncancelable coverage the most consumer-friendly disability policy type.
Reference:


NEW QUESTION # 86
In long-term care insurance, the guarantee of insurability option provides the insured with the ability to:

Answer: A

Explanation:
Virginia Code § 38.2-5202 allows a guaranteed insurability option in LTC insurance, letting the insured buy additional coverage later (option A) without proving insurability, typically at set intervals or life events (e.g., inflation adjustment). Option B (replace with another insurer) isn't a policy feature; it's a market action.
Option C (lifetime extension) confuses with benefit periods, not insurability. Option D (fixed premium) relates to non-cancelable policies, not this rider. The study guide likely describes this with examples-e.g., adding $1,000 monthly benefit at age 70-emphasizing future flexibility, making A the correct ability.


NEW QUESTION # 87
Which one of the following statements about a decreasing term life insurance policy is true?

Answer: A

Explanation:
A decreasing term policy provides a declining death benefit over the policy term, while premiums remain level. These policies are often used for mortgage protection, as the insurance amount reduces in line with the declining loan balance.
Exact Extract (Virginia Life Insurance Study Guide): "Decreasing term insurance-provides a level premium and a decreasing face amount throughout the term of coverage, often used for debt protection." Reference (Virginia Documents / Study Guide):
- Virginia Life & Annuities Examination Outline, Term Insurance


NEW QUESTION # 88
Giving policyholders some part of the agent's commission as an inducement to purchase insurance is an unfair trade practice known as:

Answer: D

Explanation:
Rebating occurs when an agent gives part of their commission, money, or anything of value to induce a customer to purchase insurance. This practice is prohibited under Virginia's Unfair Trade Practices Act.
Exact Extract (Virginia Unfair Trade Practices Law): "Rebating includes paying, allowing, or giving any rebate of premium, commission, or other valuable consideration as an inducement to the purchase of insurance." Reference (Virginia Documents / Study Guide):
- Code of Virginia §38.2-509 (Rebates and inducements prohibited)


NEW QUESTION # 89
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