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

Topic	Details
Topic 1	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 2	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.
Topic 3	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 4	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 5	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 6	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.
Topic 7	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 8	Insurance Regulation: This domain covers Virginia's regulatory framework for insurance agents and companies, including licensing, appointments, continuing education, disciplinary actions, and the State Corporation Commission's authority. It also addresses federal regulations like the Fair Credit Reporting Act and ACA market reforms.
Topic 9	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 10	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 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	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 13	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.

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q398-Q403):

NEW QUESTION # 398
Which doctor-ordered services can be performed by individuals without medical training?

A. Custodial care
B. Intermediate care
C. Therapeutic care
D. Rehabilitative care

Answer: A

Explanation:
Custodial care is non-medical assistance with daily living activities, requiring no professional medical training. Rehabilitative, therapeutic, and intermediate care require licensed or trained personnel. Exact extract: "Custodial care provides assistance with daily living activities and does not require medical skills." Reference:

NEW QUESTION # 399
A self-employed individual could use an annuity to fund any of the following retirement plans EXCEPT:

A. An individual retirement account (IRA)
B. A Keogh plan
C. A simplified employee pension (SEP)
D. A tax-sheltered annuity (TSA)

Answer: D

Explanation:
A self-employed individual can use an annuity to fund an IRA, SEP, or Keogh plan, but not a tax-sheltered annuity (TSA). A TSA is a type of retirement plan typically offered to employees of public schools, colleges, and certain nonprofit organizations (i.e., 403(b) plans), not for self-employed individuals.

NEW QUESTION # 400
A licensed agent must report a felony conviction to the Commission within how many calendar days?

A. 30 days
B. 60 days
C. 20 days
D. 10 days

Answer: A

Explanation:
Virginia Code § 38.2-1826(C) requires licensees, including insurance agents, to report any felony conviction to the State Corporation Commission's Bureau of Insurance within 30 calendar days of the final disposition (option C). "Final disposition" means the court's conclusive ruling-e.g., sentencing after a guilty plea. This rule ensures the Bureau can assess the agent's fitness to retain their license, protecting the public from untrustworthy practitioners. Option A (10 days) is too short and not specified in Virginia law for this purpose. Option B (20 days) lacks statutory support and falls between standard reporting periods. Option D (60 days) exceeds the mandated timeline, delaying oversight. The study guide likely highlights this 30-day deadline in a licensing compliance section, with examples-e.g., an agent convicted of fraud on June 1 must report by July 1-aligning with Virginia's adoption of NAIC standards for licensee integrity (Virginia Code § 38.2-1800 et seq.), making C the precise requirement.

NEW QUESTION # 401
Field underwriting usually differs from home office underwriting in that the agent:

A. Requires information on the applicant's health
B. Requires information on existing coverage
C. Attempts to reduce moral hazard
D. Has personal contact with the applicant

Answer: D

Explanation:
Field underwriting refers to the duties carried out by the insurance agent during the application process. Unlike home office underwriting, which relies on medical exams and reports, the agent is in personal contact with the applicant and is responsible for gathering correct information.
Exact Extract (Virginia Life & Health Insurance Study Guide): "Field underwriting-conducted by the agent, includes personal contact with the applicant, observing general character, and ensuring application completeness." Reference (Virginia Documents / Study Guide):
- Virginia Life & Health Insurance Examination Outline, Underwriting Principles

NEW QUESTION # 402
Medical expense Plan A pays up to $4,000. Plan B pays up to $3,000. If a person covered under both plans incurs $6,000 in expenses and Plan A is primary, which is true under the coordination of benefits provision?

A. Plan A pays up to $6,000.
B. Plan A pays an adjusted percentage and Plan B pays the remainder.
C. Plan A pays up to $3,000 and Plan B pays up to $3,000.
D. Plan A pays up to $4,000 and Plan B pays up to $2,000.

Answer: D

Explanation:
Under the coordination of benefits provision, when an individual is covered by more than one medical plan, the primary plan (Plan A) pays up to its limit first, and then the secondary plan (Plan B) pays any remaining covered expenses. In this case, since Plan A is primary, it will pay up to its maximum benefit of $4,000. After that, Plan B will pay up to its maximum benefit of $3,000, covering the remaining $2,000 in expenses.

NEW QUESTION # 403
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