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

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

>> Valid Virginia-Life-Annuities-and-Health-Insurance Test Sample <<

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q154-Q159):

NEW QUESTION # 154
Business overhead expense insurance:

Answer: A

Explanation:
Business overhead expense insurance is designed to cover the fixed business expenses, such as rent, utilities, and employee salaries, if the business owner becomes disabled and cannot work. This insurance ensures that the business can continue to operate in the owner's absence, covering regular business expenses but not providing a direct income replacement to the business owner.


NEW QUESTION # 155
Medicare Part B Medical Insurance pays benefits for:

Answer: D

Explanation:
Medicare Part B covers physician services, outpatient hospital treatment, preventive services, and certain medical supplies. Inpatient hospital services fall under Part A.
Exact Extract (Virginia Medicare Study Guide): "Part B-covers outpatient hospital services, physician services, and preventive care. Part A covers inpatient hospitalization." Reference (Virginia Documents / Study Guide):
- Virginia Health Insurance Examination Outline, Medicare Part A and B Benefits


NEW QUESTION # 156
An insurance contract that identifies individuals by relationship to a particular organization is called:

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Group insurance (B) covers individuals based on their affiliation with an organization (e.g., employees of a company), not as individuals.
* Contributory insurance (A) refers to group plans where employees pay part of the premium, but it's not the defining feature.
* Health insurance (C) is too broad, and COBRA (D) extends group coverage, not defines it.
The Virginia study guide defines group insurance as coverage tied to membership in an organization, such as an employer or association. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on
"Group Insurance."


NEW QUESTION # 157
Medical expense insurance typically EXCLUDES payment for treatment of injury or sickness resulting from:

Answer: D

Explanation:
Most medical expense policies contain a war exclusion, denying benefits for losses resulting from war or military action. Auto accidents, sporting accidents, and tropical diseases are generally covered if not otherwise excluded.
Exact Extract (Virginia Health Insurance Study Guide): "Common exclusions include war, military service, self-inflicted injury, and experimental procedures." Reference (Virginia Documents / Study Guide):
- Virginia Health Insurance Examination Outline, Common Exclusions


NEW QUESTION # 158
In dental insurance coverage, which one of the following typically is EXCLUDED?

Answer: D

Explanation:
Dental policies exclude treatment that begins before coverage starts, but generally cover preventive, diagnostic, and restorative care. Exact extract: "Dental insurance typically excludes expenses for treatment initiated before the insured's eligibility date." Reference:


NEW QUESTION # 159
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