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

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

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최신 Virginia Insurance License Virginia-Life-Annuities-and-Health-Insurance 무료샘플문제 (Q182-Q187):

질문 # 182
(At the death of one annuitant, the benefit payments to the surviving annuitant under a joint and survivor annuity normally will:)

정답：D

설명：
A joint and survivor annuity is designed to provide income for two individuals, typically for retirement planning. When one annuitant dies, payments continue to the surviving annuitant, either at the same amount or at a reduced percentage, depending on the contract terms selected at issue.
Payments do not cease at the first death, and refund or period-certain options apply only if specifically elected. Virginia annuity education emphasizes joint and survivor annuities as a way to protect surviving spouses from loss of income, making option C correct.


질문 # 183
An agreement attached to a health insurance policy which alters either the terms of the policy or the coverage is called:

정답：A

설명：
Virginia Code § 38.2-3500 et seq. allows health insurance policies to include riders-supplemental agreements modifying coverage or terms (e.g., adding dental benefits or exclusions). Option D (rider) is the standard term. Option A (limit clause) isn't a distinct attachment; limits are within thepolicy. Option B (attachment) is vague and not insurance-specific. Option C (insuring clause) is the core promise of coverage, not an alteration. The study guide likely defines riders with examples-e.g., a maternity rider increasing premiums-distinguishing them from policy staples, confirming D as the answer.


질문 # 184
A licensed agent must report a felony conviction to the Commission within how many calendar days?

정답：D

설명：
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.


질문 # 185
A mandatory second surgical opinion provision typically requires the insured to do which one of the following?

정답：B

설명：
A second surgical opinion provision in health insurance policies typically requires the insured to seek a second opinion before undergoing certain elective surgeries. This provision is meant to ensure that the surgery is medically necessary and that there are no alternative treatments. The cost of the second opinion may or may not be covered depending on the policy, but the key requirement is that a second opinion must be obtained for elective procedures.


질문 # 186
All of the following statements about independent agents are true EXCEPT:

정답：D

설명：
Independent agents are not employees of any single insurer. They work independently, representing multiple insurance companies and are responsible for their own expenses. They earn compensation based on commissions from sales, and they typically own the renewal business, meaning they retain the commissions from renewing policies.


질문 # 187
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