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

Topic	Details
Topic 1	Dental Insurance: This domain addresses dental insurance including types of treatment, indemnity plan structures, benefit categories, deductibles and coinsurance, and employer group dental plans.
Topic 2	Individual Health Insurance Policy General Provisions: This domain covers uniform required and optional provisions in individual health policies including contract terms, claims procedures, grace periods, renewability classifications, and the free look period.
Topic 3	General Insurance: This domain introduces fundamental insurance concepts including risk management methods, types of insurers, agent authority, and the essential elements and characteristics of insurance contracts including legal doctrines governing agreements.
Topic 4	Annuities: This domain covers annuity principles, immediate versus deferred annuities, payment options, product types including fixed and variable annuities, and uses for retirement income and tax-deferred growth.
Topic 5	Federal Tax Considerations for Life Insurance and Annuities: This domain examines federal tax treatment of life insurance and annuities including death benefits, policy loans, modified endowment contracts, non-qualified annuities, IRAs, and Section 1035 exchanges.
Topic 6	Medical Plans: This domain examines medical insurance delivery systems including major medical, HMOs, PPOs, and POS plans, along with cost containment strategies, Virginia eligibility requirements, HIPAA provisions, and HSAs.
Topic 7	Group Health Insurance: This domain covers group health insurance characteristics, eligible groups, underwriting criteria, employee and dependent eligibility, continuation of coverage under COBRA, and small employer plan requirements.
Topic 8	Life Insurance Basics: This domain covers insurable interest, personal and business uses of life insurance, methods for determining coverage amounts, policy classifications, premium determination factors, agent sales responsibilities, and the underwriting process.
Topic 9	Health Insurance Basics: This domain introduces health insurance fundamentals including covered perils, types of benefits, policy classifications, limited policies, common exclusions, agent responsibilities, underwriting processes, and replacement considerations.
Topic 10	Life Insurance Policy Provisions, Options and Riders: This domain addresses standard contract provisions, beneficiary designations, settlement options, nonforfeiture provisions, policy loans, dividend options, and riders including disability benefits and accelerated death benefits.
Topic 11	Life Insurance Policies: This domain examines various life insurance products including term, whole life, universal life, specialized policies, and group life insurance, covering their characteristics, features, and appropriate applications.
Topic 12	Qualified Plans: This domain addresses employer-sponsored retirement plans including qualification requirements, tax advantages, and various plan types such as SEPs, 401(k)s, and 403(b) plans.

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q59-Q64):

NEW QUESTION # 59
(Under which type of retirement plan does the employer contribute to an individual retirement account (IRA) established by the employee?)

A. Simplified employee pension plan (SEP)
B. Savings incentive match plan for employees (SIMPLE)
C. 403(b) plan
D. HR-10 plan

Answer: A

Explanation:
A Simplified Employee Pension (SEP) plan allows employers to make contributions directly into IRAs owned by employees. The employer determines contributions, and employees are immediately vested.
HR-10 plans are Keogh plans for self-employed individuals. 403(b) plans are salary reduction plans for certain nonprofit and public employees. SIMPLE plans allow both employer and employee contributions but are structured differently. Virginia retirement plan exam content clearly identifies SEP plans as employer-funded IRAs, making option C correct.

NEW QUESTION # 60
If an insurer pays an individual health insurance claim during a policy's grace period:

A. A 10% service fee is charged
B. The policy is canceled automatically at the end of the grace period
C. The deductible is waived
D. The amount of unpaid premium may be subtracted from the reimbursement

Answer: D

Explanation:
Virginia Code § 38.2-3508 provides a 31-day grace period for individual health insurance premium payments, during which coverage remains active and claims are paid. If a claim arises, the insurer may deduct any unpaid premium from the reimbursement (option D), ensuring it recovers owed funds while honoring the claim. Option). Option A (deductible waived) is false; deductibles apply regardless of payment status. Option B (10% fee) is unsupported by Virginia law. Option C (automatic cancellation) is incorrect; cancellation requires notice post-grace period if unpaid (Virginia Code § 38.2-3510). The study guide likely explains this with examples-e.g., a $500 claim with a $100 unpaid premium nets $400-reflecting standard practice, making D the correct outcome.

NEW QUESTION # 61
If two group health insurance plans have coordination of benefits provisions, the plan that pays first is called the:

A. Master contract
B. Comprehensive major medical plan
C. Primary plan
D. Qualified plan

Answer: C

Explanation:
When an insured is covered under more than one group health plan, the primary plan pays first. The secondary plan pays remaining eligible expenses after the primary plan has paid.
Exact Extract (Virginia Group Health Insurance Study Guide): "The primary plan is responsible for paying benefits first under coordination of benefits. The secondary plan covers remaining eligible expenses." Reference (Virginia Documents / Study Guide):
- Virginia Health Insurance Examination Outline, Coordination of Benefits

NEW QUESTION # 62
Misrepresenting pertinent policy provisions relating to coverages after a loss is:

A. An unfair discrimination between individuals
B. A violation of the principle of adhesion
C. A concealment in insurance applications
D. An unfair claim settlement practice

Answer: D

Explanation:
Virginia's Unfair Claims Settlement Practices Act prohibits insurers or agents from misrepresenting facts or policy provisions relating to coverage. Doing so after a loss is classified as an unfair claims settlement practice.
Exact Extract (Virginia Unfair Claims Settlement Law): "Misrepresenting pertinent facts or policy provisions relating to coverages at issue is an unfair claim settlement practice." Reference (Virginia Documents / Study Guide):
- Code of Virginia §38.2-510 (Unfair claim settlement practices)

NEW QUESTION # 63
All of the following statements about tax-sheltered annuities (TSAs) are true EXCEPT:

A. An employee's rights under the contract are nonforfeitable
B. Only employees of certain tax-exempt organizations may participate
C. The employee is normally the applicant, owner, and annuitant under the contract
D. The employee issues periodic personal checks to purchase the contract

Answer: D

Explanation:
Tax-sheltered annuities (403(b) plans) are funded by employer salary reduction agreements, not personal checks written directly to the insurer. Eligible participants are employees of nonprofit or educational institutions. Exact extract: "Contributions to tax-sheltered annuities are made by salary reduction agreements; employees of public schools and nonprofit organizations are eligible." Reference:

NEW QUESTION # 64
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