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

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

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q363-Q368):

NEW QUESTION # 363
All of the following are basic underwriting actions in health insurance EXCEPT:

Answer: D

Explanation:
Uniform policy provisions are mandated by law and cannot be deleted. Underwriting actions include issuing, rejecting, or adding riders. Exact extract: "Insurers may not delete or alter mandatory uniform provisions." Reference:


NEW QUESTION # 364
Which one of the following determines the amount of loss that the insured must pay before a major medical expense policy begins to pay for a covered loss?

Answer: B

Explanation:
The deductible is the initial portion of covered expenses the insured must pay before the insurer pays benefits. Coinsurance applies only after the deductible has been met. Exact extract: "The deductible is the amount of covered expenses an insured must pay out of pocket before the insurer is obligated to pay under the major medical policy." This provision ensures cost-sharing and discourages excessive claims.
Reference:


NEW QUESTION # 365
Which is true about an adjustable life insurance policy?

Answer: D

Explanation:
Adjustable life insurance (Virginia Code § 38.2-3113.1) allows flexibility in face amount and premiums, effectively shifting between term (lower cost, no cash value) and whole life (higher cost, cash value) features while in force (option A). Option B is false; nonforfeiture options include cash, reduced paid-up, or extended term. Option C is false; settlement options (e.g., lump sum) apply as with other policies. Option D is wrong; it' s life insurance, not an annuity. The study guide likely explains this adaptability-e.g., increasing premiums to build cash value (whole life)-making A the true statement.


NEW QUESTION # 366
Which concept states that the insured is entitled to the coverage under a policy that a sensible and prudent buyer would expect it to provide?

Answer: B

Explanation:
The concept of "reasonable expectations" states that the insured is entitled to the coverage under a policy that a sensible and prudent buyer would expect it to provide. This means that the insurer must honor the expectations of the insured based on the policy's terms, even if the wording is unclear or ambiguous, as long as those expectations are reasonable.


NEW QUESTION # 367
All of the following statements about the installments for a fixed period settlement option in life insurance policies are true EXCEPT:

Answer: B

Explanation:
The fixed period settlement option in life insurance, per Virginia Code § 38.2-3115, pays the death benefit in equal installments over a set time (e.g., 10 years), determined by the policyowner or beneficiary if not restricted. Option B is true; a longer period spreads the principal and interest over more payments, reducing each installment (e.g., $100,000 over 20 years yields smaller paymentsthan over 5 years). Option C is true; payments blend principal and interest earned on the remaining proceeds held by the insurer. Option D is true; Virginia law allows beneficiaries to choose settlement options unless the policyowner locks in a method (e.g., via a policy endorsement). Option A is false; the payment amount depends on the proceeds, interest rate, and period length-not the beneficiary's age, which might influence a life income option instead. The study guide likely contrasts fixed period (time-based) with life annuity (age-based) options, using examples like $500 monthly for 10 years, making A the exception.


NEW QUESTION # 368
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