Free PDF Virginia Insurance - Virginia-Life-Annuities-and-Health-Insurance - Virginia Life, Annuities, and Health Insurance Examination Series 11-01–Professional Latest Guide Files

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

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

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q256-Q261):

NEW QUESTION # 256
Ambulatory care centers are most often used by patients who require:

Answer: A

Explanation:
Virginia Code § 38.2-3407 et seq. covers health services, where ambulatory care centers (e.g., outpatient clinics) specialize in same-day procedures like outpatient surgical procedures (option C-e.g., cataract surgery). Option A (physical therapy) may occur there but isn't the primary use; therapy clinics differ. Option B (wellness centers) focuses on prevention, not procedures. Option D (overnight accommodations) contradicts "ambulatory," meaning walk-in/walk-out care. The study guide likely defines this in a health facilities section, with examples like knee arthroscopy, making C the most frequent use.


NEW QUESTION # 257
A person with dishonest tendencies may pose a:

Answer: C

Explanation:
Moral hazard refers to the increased chance of loss due to the insured's dishonesty or fraudulent intent. Examples include exaggerating claims or intentionally causing loss.
Exact Extract (Virginia Insurance Fundamentals Study Guide): "Moral hazard-hazard arising from dishonesty or lack of integrity of the insured, such as filing fraudulent claims." Reference (Virginia Documents / Study Guide):
- Virginia General Insurance Concepts Outline, Risk and Hazards


NEW QUESTION # 258
(An individual whose contract with an insurer allows the individual to represent ONLY one insurance company is:)

Answer: D

Explanation:
A captive agent represents only one insurance company under a contractual agreement. The agent sells only that insurer's products and acts as its exclusive representative.
Independent agents represent multiple insurers, brokers represent clients rather than insurers, and "free agent" is not a recognized licensing category. Virginia licensing materials clearly distinguish captive agents from other distribution roles, making option A correct.


NEW QUESTION # 259
What are long-term care insurance "ADL's"?

Answer: B

Explanation:
Virginia Code § 38.2-5200 defines ADLs (Activities of Daily Living, option C) as essential tasks-e.g., bathing, dressing, eating-used to determine LTC benefit eligibility (typically inability to perform 2 of 6).
Option A (aggregate dollar limits) refers to coverage caps, not ADLs. Option B(aggregate days limitation) might confuse with elimination periods, not ADLs. Option D (approved doctor lists) relates to provider networks, not functional criteria. The study guide likely details ADLs with examples-e.g., needing help with mobility-emphasizing their role in claims, making C the correct term.


NEW QUESTION # 260
A disability income insurance policy typically provides coverage for disabilities resulting from:

Answer: B

Explanation:
Individual disability income insurance policies are designed to provide coverage for both accident-related disabilities and sickness-related disabilities, unless otherwise excluded.
Exact Extract (Virginia Disability Insurance Study Guide): "Disability income insurance provides benefits for loss of income due to both accident and sickness." Reference (Virginia Documents / Study Guide):
- Virginia Health Insurance Examination Outline, Disability Income Insurance


NEW QUESTION # 261
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