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Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Exam Overview:

Certification Vendor:	Virginia State Corporation Commission (Bureau of Insurance)
Exam Name:	Virginia Life, Annuities, and Health Insurance Examination (Series 11-01)
Exam Number:	Series 11-01
Exam Format:	Multiple-choice, Computer-based testing
Certificate Validity Period:	Varies (typically requires renewal every 2 years with continuing education requirements)
Related Certifications:	Virginia Health Insurance License Virginia Annuities License Virginia Life Insurance License
Available Languages:	English
Recommended Training:	ExamFX Insurance Exam Prep Kaplan Financial Education (Insurance Licensing Prep)
Exam Registration:	Virginia Bureau of Insurance Licensing Information Pearson VUE Virginia Insurance Exams
Sample Questions:	Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Sample Questions
Exam Way:	Computer-based testing at approved testing centers (Pearson VUE)
Pre Condition:	Varies; candidates should check Virginia Bureau of Insurance requirements for pre-licensing education and eligibility rules
Official Syllabus URL:	https://www.scc.virginia.gov/boi/licensing

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

Topic	Details
Topic 1	Life Insurance Policy Provisions, Options and Riders: This domain addresses standard contract provisions, beneficiary designations, settlement options, nonforfeiture provisions, policy loans, dividend options, and riders including disability benefits and accelerated death benefits.
Topic 2	Life Insurance Policies: This domain examines various life insurance products including term, whole life, universal life, specialized policies, and group life insurance, covering their characteristics, features, and appropriate applications.
Topic 3	Insurance Regulation: This domain covers Virginia's regulatory framework for insurance agents and companies, including licensing, appointments, continuing education, disciplinary actions, and the State Corporation Commission's authority. It also addresses federal regulations like the Fair Credit Reporting Act and ACA market reforms.
Topic 4	Insurance for Senior Citizens and Special Needs Individuals: This domain covers Medicare Parts A-D, Medicare supplement insurance with standardized plans and Virginia regulations, other coverage options for Medicare-eligible individuals, and comprehensive long-term care insurance requirements.
Topic 5	Group Health Insurance: This domain covers group health insurance characteristics, eligible groups, underwriting criteria, employee and dependent eligibility, continuation of coverage under COBRA, and small employer plan requirements.
Topic 6	Individual Health Insurance Policy General Provisions: This domain covers uniform required and optional provisions in individual health policies including contract terms, claims procedures, grace periods, renewability classifications, and the free look period.
Topic 7	Life Insurance Basics: This domain covers insurable interest, personal and business uses of life insurance, methods for determining coverage amounts, policy classifications, premium determination factors, agent sales responsibilities, and the underwriting process.
Topic 8	Federal Tax Considerations for Health Insurance: This domain examines federal tax treatment of personally-owned and employer-provided health insurance, business disability insurance, and tax-advantaged accounts including HSAs, HRAs, and FSAs.
Topic 9	General Insurance: This domain introduces fundamental insurance concepts including risk management methods, types of insurers, agent authority, and the essential elements and characteristics of insurance contracts including legal doctrines governing agreements.

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q397-Q402):

NEW QUESTION # 397
In health insurance, the insured must furnish written proof of loss to the insurer within:

A. 30 days of the occurrence of the loss
B. 15 days of the occurrence of the loss
C. 60 days of the occurrence of the loss
D. 90 days of the occurrence of the loss

Answer: A

Explanation:
Under most health insurance policies, the insured is required to provide written proof of loss within 30 days of the occurrence of the loss. This allows the insurer to promptly evaluate the claim and ensure that it is processed without unnecessary delays. Some policies may allow extensions under special circumstances, but the general rule is that proof of loss must be provided within 30 days.
Reference:

NEW QUESTION # 398
Group term insurance coverage can usually be converted to:

A. A permanent individual life insurance policy
B. Another group term policy
C. A yearly renewable term policy
D. A decreasing term policy

Answer: A

Explanation:
Group term insurance can typically be converted to a permanent individual life insurance policy without the need for a medical exam or evidence of insurability. This option is especially valuable when an employee leaves a company or the group plan ends, as it allows them to retain coverage without having to go through underwriting.

NEW QUESTION # 399
When a five-year renewable term life insurance policy issued at age 35 is renewed, the premium rate will be the current rate for:

A. Five-year term insurance for a person aged 35
B. Yearly renewable term insurance for a person aged 40
C. Five-year term insurance for a person aged 40
D. Yearly renewable term insurance for a person aged 35

Answer: C

Explanation:
Renewable term insurance renews at the insured's attained age, not the original issue age. Thus, at renewal after five years, the premium is based on age 40 rates.
Exact Extract (Virginia Life Insurance Study Guide): "Renewable term-premiums increase at renewal based on the insured's attained age." Reference (Virginia Documents / Study Guide):
- Virginia Life Insurance Examination Outline, Term Insurance Features

NEW QUESTION # 400
If a patient with a preferred provider organization (PPO) chooses to use a non-PPO provider, the patient usually can expect:

A. To pay the full cost of care
B. A one-year waiting period before re-enrolling in the PPO
C. 100% reimbursement for the service provided
D. To have higher out-of-pocket expenses

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
* In a PPO, using a non-PPO provider (out-of-network) leads to higher out-of-pocket expenses (A) due to lower reimbursement rates and potential excess charges.
* Option B (full cost) is inaccurate; some coverage applies. Option C (100% reimbursement) is false.
Option D (waiting period) is unrelated.
The Virginia study guide reiterates that PPOs cover out-of-network care but at a reduced level, increasing the insured's costs compared to in-network use. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Managed Care Plans."

NEW QUESTION # 401
What is the agent's primary role in underwriting life insurance?

A. Issuing the policy if all underwriting information is satisfactory
B. Securing information from the Medical Information Bureau
C. Binding coverage immediately without home office approval
D. Assuring that the application provides proper information to the insurer

Answer: D

Explanation:
In the underwriting process for life insurance, as governed by Virginia Code § 38.2-1800 et seq., the agent's primary role is to act as a field underwriter, ensuring the application provides accurate and complete information to the insurer (option A). This includes collecting personal data (e.g., age, health history) and verifying its correctness-e.g., asking about smoking habits or past surgeries-to enable the home office underwriter to assess risk properly. Option B (binding coverage immediately) is incorrect; agents typically lack authority to bind life insurance without insurer approval, unlike some property/casualty lines, unless a conditional receipt with premium is issued (Virginia Code § 38.2-3106), which isn't "immediate" or primary. Option C (issuing the policy) is false; only the insurer's home office issues policies after underwriting approval, not the agent. Option D (securing MIB information) is an underwriter's task; agents don't directly access the Medical Information Bureau-though they may note MIB codes if disclosed, their role is data collection, not retrieval. The study guide likely emphasizes the agent's frontline duty with examples-e.g., ensuring a 45-year-old applicant discloses diabetes-making A the primary role, aligning with Virginia's agency framework where agents facilitate, not finalize, underwriting.

NEW QUESTION # 402
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