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Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Exam Overview:

Certification Vendor:	Virginia State Corporation Commission (Bureau of Insurance)
Exam Name:	Virginia Life, Annuities, and Health Insurance Examination (Series 11-01)
Exam Number:	Series 11-01
Related Certifications:	Virginia Life Insurance License Virginia Annuities License Virginia Health Insurance License
Certificate Validity Period:	Varies (typically requires renewal every 2 years with continuing education requirements)
Available Languages:	English
Exam Format:	Multiple-choice, Computer-based testing
Recommended Training:	ExamFX Insurance Exam Prep Kaplan Financial Education (Insurance Licensing Prep)
Exam Registration:	Virginia Bureau of Insurance Licensing Information Pearson VUE Virginia Insurance Exams
Sample Questions:	Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Sample Questions
Exam Way:	Computer-based testing at approved testing centers (Pearson VUE)
Pre Condition:	Varies; candidates should check Virginia Bureau of Insurance requirements for pre-licensing education and eligibility rules
Official Syllabus URL:	https://www.scc.virginia.gov/boi/licensing

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SurePassExams Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Questions PDF Format

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

Topic	Details
Topic 1	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 2	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 3	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 4	Insurance for Senior Citizens and Special Needs Individuals: This domain covers Medicare Parts A-D, Medicare supplement insurance with standardized plans and Virginia regulations, other coverage options for Medicare-eligible individuals, and comprehensive long-term care insurance requirements.
Topic 5	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 6	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 7	Federal Tax Considerations for Health Insurance: This domain examines federal tax treatment of personally-owned and employer-provided health insurance, business disability insurance, and tax-advantaged accounts including HSAs, HRAs, and FSAs.
Topic 8	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 9	Disability Income and Related Insurance: This domain addresses disability income insurance including benefit qualifications, individual and group policy features, riders, underwriting considerations, business applications, and Social Security and workers compensation benefits.

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q370-Q375):

NEW QUESTION # 370
Which term in a disability income contract refers to two separate periods of disability that may be counted as one?

A. Renewable
B. Recurrent
C. Presumptive
D. Elimination

Answer: B

Explanation:
The recurrent disability provision allows a relapse of the same disability within a specified time (usually 6 months) to be treated as a continuation of the prior disability, avoiding a new elimination period. Exact extract: "Recurrent disability is one which results from the same cause as a prior disability and occurs within a stated period; it is considered a continuation of the prior claim." Reference:

NEW QUESTION # 371
Which one of the following statements about the accidental death benefit rider in life insurance is true?

A. It requires the payment of an additional premium
B. It increases the amount of nonforfeiture benefits
C. It is part of every life insurance policy
D. It is available only to preferred risks

Answer: A

Explanation:
Accidental death benefit (ADB) riders pay an additional death benefit if death results from accidental causes. It is not automatically included in every policy and requires an additional premium. Exact extract: "The accidental death benefit rider provides extra coverage in the event of accidental death and is available only by payment of an additional premium." It does not affect cash values or nonforfeiture options.
Reference:

NEW QUESTION # 372
All of the following statements about tax-sheltered annuities (TSAs) are true EXCEPT:

A. Accumulation payments often come from voluntary salary reductions.
B. They are also known as 403(b) plans.
C. The investment gain each year is included in the participant's gross income.
D. The annuitant may have an individual account or contract.

Answer: C

Explanation:
Tax-sheltered annuities (TSAs), per IRC § 403(b) and Virginia Code § 38.2-3100 et seq., are retirement plans for nonprofit employees. Option A is true; they're synonymous with 403(b) plans. Option B is true; contributions often come from voluntary salary reductions, tax-deferred until withdrawal. Option C is true; participants can have individual contracts or accounts. Option D is false; investment gains are tax-deferred, not included in gross income annually, only taxed upondistribution. The study guide highlights TSAs' tax advantages, making D the incorrect statement.

NEW QUESTION # 373
If a patient with a preferred provider organization (PPO) chooses to use a non-PPO provider, the patient usually can expect:

A. A one-year waiting period before re-enrolling in the PPO
B. To have higher out-of-pocket expenses
C. 100% reimbursement for the service provided
D. To pay the full cost of care

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* In a PPO, using a non-PPO provider (out-of-network) leads to higher out-of-pocket expenses (A) due to lower reimbursement rates and potential excess charges.
* Option B (full cost) is inaccurate; some coverage applies. Option C (100% reimbursement) is false.
Option D (waiting period) is unrelated.
The Virginia study guide reiterates that PPOs cover out-of-network care but at a reduced level, increasing the insured's costs compared to in-network use. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."

NEW QUESTION # 374
When a small employer health insurance plan is offered, it must be available:

A. To all eligible employees after a 12-month waiting period
B. Only to employees who provide evidence of insurability
C. Only to employees under age 65
D. To all eligible employees who apply

Answer: D

Explanation:
Virginia Code § 38.2-3431 et seq., aligned with the ACA, requires small employer health plans (1-50 employees) to offer coverage to all eligible employees who apply, without discrimination based on health status or other factors. "Eligible" typically means full-time employees meeting the employer's criteria (e.g.,
30+ hours/week). Option A reflects this guaranteed issue mandate, ensuring broad access. Option B (12- month waiting period) is false; Virginia and federal law cap waiting periods at 90 days (Virginia Code § 38.2-
3445), not 12 months. Option C (evidence ofinsurability) contradicts guaranteed issue rules for small groups, which prohibit medical underwriting. Option D (under age 65) is incorrect; coverage extends to all eligible employees regardless of age, though Medicare coordination may apply post-65. The study guide likely stresses this inclusivity as a cornerstone of small group market reforms, making A the correct answer.

NEW QUESTION # 375
......

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