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

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

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Virginia-Life-Annuities-and-Health-Insurance Practice Materials: Virginia Life, Annuities, and Health Insurance Examination Series 11-01 and Virginia-Life-Annuities-and-Health-Insurance Study Guide - PracticeTorrent

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q387-Q392):

NEW QUESTION # 387
(Under a group life insurance policy delivered in Virginia in which the employer is deemed to be the policyholder, which of the following is included in the term "employee" under the policy?)

Answer: D

Explanation:
Under Virginia group life insurance provisions, when an employer is the policyholder, the term "employee" includes individuals who work for the employer and may also include individual proprietors if they actively work in the business. This allows sole proprietors and working owners to be covered under group insurance arrangements. Credit unions, labor unions, and trade associations are not employees; they are organizational entities that may serve as policyholders under separate types of group insurance contracts. The question specifically asks which option is included within the definition of employee when the employer is the policyholder. An individual proprietor who performs services for the business qualifies, making that option correct.


NEW QUESTION # 388
(When an agent is acting within the scope of authority granted in the agency contract, the insurer:)

Answer: D

Explanation:
Virginia law treats a licensed agent as the agent of the insurer that issued the insurance sold, solicited, or negotiated by that agent in controversies between the insured (or beneficiary) and the insurer. This statutory framework reflects the principle that, when the agent is acting within the scope of authority granted by the insurer (the "agency contract" authority), the insurer is responsible to the consumer for those acts in the transaction. That is why option A is the best answer among the choices presented.
The other options are inconsistent with Virginia's allocation of responsibility. The insurer is not automatically "exempt" simply because an agent makes a misrepresentation; misrepresentations can create insurer responsibility in disputes with insureds, and the law's default is that the agent is the insurer's agent in such controversies. Nor does the insurer "transfer all liability" to the agent-agency status means the insurer can be bound by and accountable for authorized acts. Finally, limiting responsibility to "express authority only" is too narrow: agency authority in practice includes the authority actually granted and recognized in the insurer-agent relationship in the sale/solicitation/negotiation context addressed by Virginia statute. The statute's consumer-protection focus is to prevent insurers from avoiding responsibility when their agents act on their behalf in insurance transactions.


NEW QUESTION # 389
A life and health insurance agent licensed in the Commonwealth of Virginia is authorized to:

Answer: C

Explanation:
Agents act as representatives of insurers to solicit, receive, and forward applications. They cannot approve claims or unilaterally reinstate or replace contracts. Exact extract: "An agent is authorized to solicit, receive, and forward applications to the insurer but has no power to approve claims or reinstate policies." Reference:


NEW QUESTION # 390
(What factor allows some level term policies to provide level premiums?)

Answer: D

Explanation:
Level term life insurance provides a fixed premium for a specified period, even though the risk of death increases as the insured ages. This is possible because premiums are averaged over the term of the policy.
In the early years, the insured pays more than the actual mortality cost, while in later years the cost of insurance exceeds the premium paid. This averaging mechanism allows the premium to remain level throughout the term.
Evidence of insurability is not required annually, the face amount does not necessarily decrease, and no additional lump-sum premium is required. Virginia exam materials consistently emphasize premium averaging as the reason level premiums are possible, making option D correct.


NEW QUESTION # 391
If an agent misleads or fails to adequately disclose the title and true nature of a policy offered to a potential insured, it may be considered:

Answer: A

Explanation:
Virginia Code § 38.2-502 defines misrepresentation as an unfair practice, where an agent misstates or omits key policy details (e.g., calling a term policy "permanent") to mislead the insured. OptionC fits this legal breach. Option A (defamation) involves false reputational harm, not policy sales. Option B (unfair discrimination, § 38.2-211) involves unequal treatment, not misrepresentation. Option D (coercion) implies force, not deception. The study guide likely warns of misrepresentation penalties-e.g., an agent fined for hiding exclusions-making C the applicable violation.


NEW QUESTION # 392
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