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| Certification Vendor: | Virginia State Corporation Commission - Bureau of Insurance |
|---|---|
| Exam Name: | Virginia Life, Annuities, and Health Insurance Examination Series 11-01 |
| Exam Number: | 11-01 |
| Related Certifications: | Virginia Personal Lines Insurance (Series 11-04) Virginia Property & Casualty Insurance (Series 11-03) |
| Exam Duration: | 150 minutes |
| Exam Format: | Multiple Choice |
| Passing Score: | 70% |
| Certificate Validity Period: | 2 years (renewable) |
| Exam Price: | $35 USD |
| Real Exam Qty: | 150 |
| Available Languages: | English |
| Recommended Training: | Virginia Bureau of Insurance Study Materials |
| Exam Registration: | Virginia SCC Licensing Portal Prometric Registration |
| Sample Questions: | Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Sample Questions |
| Exam Way: | Computer-based, delivered at Prometric test centers; online proctoring available |
| Pre Condition: | No formal education or experience prerequisites; must be at least 18 years old, resident or non-resident applying for Virginia license; no prior exam required |
| Official Syllabus URL: | https://www.scc.virginia.gov/pages/Bureau-of-Insurance |
>> Virginia-Life-Annuities-and-Health-Insurance 100％시험패스 덤프문제 <<
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질문 # 255
When may a person insured under a group term insurance policy exercise the conversion option?
정답：B
설명：
Virginia Code § 38.2-3330 mandates a conversion privilege in group term life policies, allowing insureds to convert to an individual policy without evidence of insurability within 31 days after losing group eligibility (e.
g., employment termination). Option C matches this precisely. Option A is false; conversion is a legal requirement. Option B is incorrect; conversion applies post-eligibility, not during active membership while still insurable. Option D (five years) is arbitrary and unsupported by law. The study guide likely details this
31-day window with examples-e.g., an employee converting to whole life after layoffs-emphasizing its protective role, making C the correct timing.
질문 # 256
Most individuals become eligible for Medicare at age:
정답：D
설명：
Medicare eligibility begins at age 65 for most individuals. Earlier eligibility is available only for certain disabilities or end-stage renal disease, but the standard eligibility age is 65.
Exact Extract (Virginia Health Insurance Study Guide): "Medicare is a federal program providing health insurance to individuals age 65 or older and certain disabled individuals under age 65." Reference (Virginia Documents / Study Guide):
- Virginia Health Insurance Examination Outline, Medicare Overview
질문 # 257
Which is true about disability buy-sell insurance policies?
정답：D
설명：
Disability buy-sell insurance funds a business partner's buyout if one becomes disabled, per Virginia Code §
38.2-3100 et seq. Option C is true; proceeds are typically tax-free under IRC § 104(a)(3) as insurance benefits, not income, if premiums aren't deducted. Option A is false; the policyowner (e.g., a partner or business) is often the beneficiary to fund the buyout. Option B is false; benefits go to the business or partner, not the disabled individual, who may receive separate disability income coverage. Option D is false; premiums aren't tax-deductible (IRC § 265), preserving tax-free proceeds. The study guide likely explains this with scenarios-e.g., $500,000 paid tax-free to buy out a disabled partner-highlighting tax treatment, making C the true statement.
질문 # 258
Which one of the following statements about a decreasing term life insurance policy is true?
정답：C
설명：
A decreasing term policy provides a declining death benefit over the policy term, while premiums remain level. These policies are often used for mortgage protection, as the insurance amount reduces in line with the declining loan balance.
Exact Extract (Virginia Life Insurance Study Guide): "Decreasing term insurance-provides a level premium and a decreasing face amount throughout the term of coverage, often used for debt protection." Reference (Virginia Documents / Study Guide):
- Virginia Life & Annuities Examination Outline, Term Insurance
질문 # 259
When the business of insurance is no longer conducted under an assumed name, an agent must notify:
정답：A
설명：
Detailed Answer in Step-by-Step Solution:
* Agents must notify the Virginia Bureau of Insurance (A) of changes like discontinuing an assumed name, as it regulates licensing and business conduct.
* The NAIC (B), Chamber (C), and Surety Organization (D) have no direct authority over this requirement.
The Virginia study guide mandates that agents report significant business changes, including assumed name cessation, to the Bureau of Insurance per state law. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Agent Responsibilities."
질문 # 260
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