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

SectionObjectives
Life Insurance- Life insurance fundamentals
  • 1. Policy types and features
    • 2. Beneficiaries and policy ownership
      Accident and Health Insurance- Health insurance principles
      • 1. Disability and medical expense coverage
        • 2. Individual and group health plans
          Insurance Regulatory Environment- State insurance regulation and oversight
          • 1. Producer licensing requirements
            • 2. Virginia insurance laws and regulations
              Annuities- Annuity concepts
              • 1. Fixed and variable annuities
                • 2. Accumulation and payout options

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                  Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q393-Q398):

                  NEW QUESTION # 393
                  (The State Corporation Commission may suspend an agent's license when the agent:)

                  Answer: C

                  Explanation:
                  Rebating-the act of returning a portion of commission or offering inducements not specified in the policy-is prohibited under Virginia insurance law. Engaging in rebating is considered an unfair trade practice and is grounds for disciplinary action, including license suspension.
                  Sharing commissions with properly licensed agents is allowed. There is no requirement to report annual commission earnings, and administrative changes such as account location updates may require notice but are not suspension-level violations. Therefore, option B is correct.


                  NEW QUESTION # 394
                  Which is true about a joint and survivor annuity?

                  Answer: B

                  Explanation:
                  A joint and survivor annuity, as outlined in Virginia Code § 38.2-3100 et seq., is an annuity contract that pays benefits as long as at least one of the named annuitants (typically two, such as spouses) is alive. Option A accurately reflects this, stating benefits continue throughout their lifetimes, ceasing only upon the last survivor's death. Option B is false because payments aren't tied to life expectancy but to actual survival, per standard annuity terms in the study guide. Option C is incorrect; an annuity provides income, while whole life insurance offers a death benefit-combining them is a different product (e.g., a universal life policy), not a joint and survivor annuity. Option D is wrong because annuities, unlike life insurance, don't typically require evidence of insurability, as they're based on longevity, not mortality risk (Virginia Code § 38.2-3113). The study guide emphasizes the lifetime payment feature as the defining trait, confirming A.


                  NEW QUESTION # 395
                  A licensed agent must report a felony conviction to the Commission within how many calendar days?

                  Answer: B

                  Explanation:
                  Virginia Code § 38.2-1826(C) requires licensees, including insurance agents, to report any felony conviction to the State Corporation Commission's Bureau of Insurance within 30 calendar days of the final disposition (option C). "Final disposition" means the court's conclusive ruling-e.g., sentencing after a guilty plea. This rule ensures the Bureau can assess the agent's fitness to retain their license, protecting the public from untrustworthy practitioners. Option A (10 days) is too short and not specified in Virginia law for this purpose.
                  Option B (20 days) lacks statutory support and falls between standard reporting periods. Option D (60 days) exceeds the mandated timeline, delaying oversight. The study guide likely highlights this 30-day deadline in a licensing compliance section, with examples-e.g., an agent convicted of fraud on June 1 must report by July
                  1-aligning with Virginia's adoption of NAIC standards for licensee integrity (Virginia Code § 38.2-1800 et seq.), making C the precise requirement.


                  NEW QUESTION # 396
                  An agent convicted of a felony must report the conviction to the Commission:

                  Answer: B

                  Explanation:
                  Virginia requires licensees to report felony convictions within 30 days. Exact extract: "A licensed agent shall report to the Commission any felony conviction within 30 calendar days." Reference:


                  NEW QUESTION # 397
                  An individual may receive a penalty-free premature distribution from a traditional IRA for all of the following reasons EXCEPT:

                  Answer: C

                  Explanation:
                  Penalty-free withdrawals from a traditional IRA before age 59½ are permitted for disability, qualified first-time home purchase (up to $10,000), or certain unreimbursed medical expenses. Bankruptcy is not a qualifying exception.
                  Exact Extract (Virginia Retirement Study Guide): "Exceptions to early withdrawal penalty include disability, first-time home purchase, qualified education, or medical expenses. Bankruptcy is not included." Reference (Virginia Documents / Study Guide):
                  - Virginia Life & Annuities Examination Outline, Retirement Plans - Taxation Rules


                  NEW QUESTION # 398
                  ......

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