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

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

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Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Valid Exam Format & Virginia-Life-Annuities-and-Health-Insurance Latest Practice Questions & Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Free Updated Training

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q318-Q323):

NEW QUESTION # 318
Who normally bears the cost of excess charges in a Medicare claim?

Answer: B

Explanation:
Detailed Answer in Step-by-Step Solution:
* Excess charges in Medicare occur when a provider charges more than the Medicare-approved amount, and the insured (D) is responsible for the difference unless covered by supplemental insurance.
* The Social Security Administration (A) and CMS (B) administer Medicare, not pay claims.
* Providers (C) may charge excess but don't absorb it unless they accept assignment.
The Virginia study guide explains that Medicare beneficiaries bear excess charges unless a provider accepts Medicare assignment or a Medigap policy covers them. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Basics."


NEW QUESTION # 319
Which of the following terms may NOT be used in the advertisement of Accident and Sickness Insurance?

Answer: C

Explanation:
Virginia Code § 38.2-503 prohibits unfair or deceptive advertising in insurance, including Accident and Sickness policies. Terms like "reductions" (option A), "exclusions" (option B), and "pre-existing conditions" (option C) are factual policy features that must be disclosed clearly under Virginia Administrative Code 14VAC5-41-10 et seq., ensuring transparency. However, "unlimited benefits" (option D) is misleading if untrue, as all policies have limits (e.g., maximum benefits or coverage caps). Advertising "unlimited benefits" without substantiation violates Virginia's rules against exaggerated or false claims, risking consumer deception. The study guide likely warns against such terms, citing examples where insurers faced penalties for overstating coverage, making D the prohibited choice.


NEW QUESTION # 320
Since HMOs negotiate provider networks in advance of care, HMO members:

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* HMOs limit members to a pre-negotiated network of providers (B), restricting choice to control costs.
* Non-network care (A) may be covered in emergencies, not always fully out-of-pocket. Options C (waive re-enrollment) and D (individual coverage) are not HMO features.
The Virginia study guide describes HMOs as managed care plans with a restricted provider network, emphasizing cost control through limited choice. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."


NEW QUESTION # 321
Which statement about a decreasing term life insurance policy is true?

Answer: B

Explanation:
With a decreasing term life insurance policy, the premium remains level, but the amount of coverage decreases annually. This type of policy is often used to cover debts that decrease over time, such as a mortgage. Since the coverage amount drops each year, premiums are not reduced - they remain the same throughout the policy term.


NEW QUESTION # 322
An individual purchased a life annuity ten-years certain with benefits paid monthly. What would the beneficiary receive if the annuitant died one day after receiving the 119th monthly benefit payment?

Answer: C

Explanation:
A 10-year certain annuity guarantees payments for 120 months. If the annuitant dies after receiving 119 payments, only one more payment remains for the beneficiary. Exact extract: "Life with 10-year certain annuities guarantee at least 120 payments; if the annuitant dies before that period, remaining payments go to the beneficiary." After 120 months, no benefits continue.


NEW QUESTION # 323
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