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

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

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q333-Q338):

NEW QUESTION # 333
The voluntary act of terminating an insurance contract is called:

Answer: C

Explanation:
Cancellation, per Virginia Code § 38.2-3106 (life) and § 38.2-3508 (health), is the voluntary termination of a policy by the insured or insurer. Options A, B, and C aren't standard terms for this action in Virginia insurance law. The study guide defines cancellation as a deliberate act, distinct from lapse (nonpayment) or nonrenewal, making D the correct term.


NEW QUESTION # 334
An agent learned that a client covered by a large employer group health plan has just suffered kidney failure. Which health plan will be primary during the months immediately following the onset of kidney failure?

Answer: B

Explanation:
For individuals with end-stage renal disease (ESRD), employer group coverage is primary for the first 30 months of treatment, even if the individual also qualifies for Medicare. After 30 months, Medicare becomes primary. Exact extract: "Employer group health plans are primary for 30 months for ESRD patients; thereafter Medicare assumes primary responsibility." Reference:


NEW QUESTION # 335
When payment of the initial premium does NOT accompany the application, the coverage under a life insurance policy normally begins:

Answer: B

Explanation:
If the initial premium is not paid at the time of application, the life insurance coverage typically begins when the agent delivers the policy to the insured and collects the required premium. This is known as the "delivery and premium collection" method, which ensures that the insurer receives payment before coverage becomes effective.


NEW QUESTION # 336
(Which one of the following statements about the paid-up life insurance nonforfeiture option is true?)

Answer: D

Explanation:
Under the paid-up life insurance nonforfeiture option, the policy's cash value is used to purchase a reduced amount of fully paid-up whole life insurance. Because no further premiums are due, the face amount is less than the original policy, making option C correct.
Term insurance is associated with the extended term option, not paid-up insurance. Riders such as accidental death benefits typically terminate at lapse.
Virginia exam materials emphasize reduced paid-up insurance as a permanent solution that preserves lifetime coverage at a lower death benefit.


NEW QUESTION # 337
A typical disability income insurance policy EXCLUDES benefits for which one of the following causes of loss?

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Disability income policies exclude benefits for intentional self-inflicted injuries (B) to prevent abuse or fraud.
* Permanent injuries (A), sporting accidents (C), and falls (D) are typically covered unless specifically excluded by the policy.
The Virginia study guide states that disability income insurance excludes self-inflicted injuries as a standard provision to ensure coverage applies to unforeseen events. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Disability Income Insurance."


NEW QUESTION # 338
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