Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Exam Questions For Greatest Achievement [Updated 2026]

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

SectionWeightObjectives
Topic 1: Senior and Special-Needs Markets11%- Long-Term Care
  • 1. Long-term care insurance requirements
  • 2. State and federal standards
- Medicare and Supplements
  • 1. Medicare parts and eligibility
  • 2. Medicare supplement policies (Medigap)
Topic 2: Life Insurance and Annuities33%- Life Insurance Basics
  • 1. Types of life policies
  • 2. Policy provisions, options and riders
- Annuities
  • 1. Taxation and distribution rules
  • 2. Fixed and variable annuity contracts
Topic 3: Health and Medical Insurance Core28%- Disability Income and Medical Plans
  • 1. Major medical and managed care plans
  • 2. Disability income policies
- Health Insurance Basics
  • 1. Individual health insurance regulations
  • 2. Policy structures and provisions
Topic 4: General Insurance Concepts6%- Fundamental principles
  • 1. Agency relationships and duties
  • 2. Contract law and policy structure
  • 3. Risk management and insurance purpose
Topic 5: Group and Dental Coverage6%- Dental Insurance
  • 1. Plan types and benefit structures
- Group Insurance
  • 1. Federal and state group regulations
  • 2. Group health eligibility and underwriting
Topic 6: Insurance Regulation10%- Virginia Insurance Regulatory Authority
  • 1. State Corporation Commission jurisdiction
  • 2. Unfair trade practices and compliance rules
  • 3. Licensing requirements and procedures
Topic 7: Life Taxation and Qualified Plans4%- Tax treatment
  • 1. Federal income tax rules for life and annuities
  • 2. Qualified retirement plans basics
Topic 8: Health Insurance Taxation2%- Tax rules
  • 1. Federal tax treatment of health benefits

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q239-Q244):

NEW QUESTION # 239
The employer who receives and holds the insurance policy is known as the:

Answer: C

Explanation:
The employer who receives and holds the group life insurance policy is referred to as the master policyholder. The master policyholder is responsible for overseeing the insurance plan for the employees, though the employees themselves are the policyholders for their individual benefits. The insurer provides the master policy to the employer, and employees receive certificates of insurance.


NEW QUESTION # 240
(A single premium whole life insurance policy may be defined as a policy that provides:)

Answer: B

Explanation:
A single premium whole life insurance policy is a form of permanent life insurance in which the policyowner pays the entire premium in one lump sum at policy issuance. In exchange for this single payment, the policy provides lifetime protection and is immediately paid-up, meaning no additional premiums are required. The policy accumulates cash value and provides a guaranteed death benefit for the insured's entire life. It does not provide coverage for a limited term, nor does it feature a decreasing face amount. While annuities provide income benefits, a single premium whole life policy remains primarily a life insurance contract. Therefore, the defining feature of this policy is that it provides protection for life as a paid-up policy.


NEW QUESTION # 241
(In which situation could the agent of an insurer be personally liable?)

Answer: A

Explanation:
In Virginia, an insurance agent is treated as the insurer's agent when selling/soliciting/negotiating insurance, which is why insurers are generally accountable to insureds for authorized acts of their agents in those transactions. However, that does not mean the agent is immune from personal responsibility. When an agent goes beyond the authority granted by the insurer-especially by doing something the agency agreement expressly forbids-the agent is acting outside the scope of the contractually granted authority and may face personal consequences (including civil liability exposure depending on the harm caused and the legal theory asserted). Virginia regulatory guidance also warns that exceeding authority is a violation of Virginia law, underscoring that an agent's actions are constrained by the authority they've been granted. By contrast, "oral but unwritten authority" can still be actual authority if the insurer granted it, and using insurer-provided materials (even if problematic) typically implicates the insurer's oversight and advertising compliance duties rather than automatically shifting liability to the agent. The "never" option is incorrect because liability can arise when authority is exceeded or prohibited conduct occurs.


NEW QUESTION # 242
Which is an example of an endodontic service?

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* Endodontic services involve treatment of the tooth's interior (pulp and roots), with root canals (C) being a primary example.
* Crowns (A) and fillings (D) are restorative, not endodontic. Dentures (B) are prosthetic, unrelated to endodontics.
The Virginia study guide classifies root canals as an endodontic procedure, distinct from restorative or prosthetic dental services, per standard dental insurance definitions. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Dental Insurance."


NEW QUESTION # 243
The "free look" provision in individual health insurance allows the insured a period of time to:

Answer: B

Explanation:
The free-look provision ensures policyholders may review their contract and, if dissatisfied, return it for a full refund. Exact extract: "The insured may return the policy within 10 days of delivery for a full refund of all premiums." Reference:


NEW QUESTION # 244
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