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| Certification Vendor: | Virginia Bureau of Insurance |
|---|---|
| Exam Name: | VA Life, Annuities & Health Insurance |
| Exam Number: | 11-01 |
| Available Languages: | English |
| Related Certifications: | Virginia Life and Health Insurance License |
| Real Exam Qty: | 150 |
| Exam Format: | Multiple Choice |
| Exam Duration: | 150 minutes |
| Exam Price: | $35 USD |
| Passing Score: | 70% |
| Sample Questions: | Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Sample Questions |
| Exam Way: | Computer-based testing at Prometric test centers. Two sections: General Knowledge (100 scoreable + 5 pretest questions) and Virginia-Specific (40 scoreable + 5 pretest questions). Must achieve 70% on both sections to pass. Section 1 must be completed before Section 2 begins. |
| Pre Condition: | None specified. No requirement to be hired or sponsored by an insurance company before taking the exam. |
| Official Syllabus URL: | https://www.prometric.com/virginia/insurance |
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NEW QUESTION # 392
All of the following are basic underwriting actions in health insurance EXCEPT:
Answer: C
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 # 393
When delivering a life insurance policy, an agent's responsibilities may include all of the following EXCEPT:
Answer: D
Explanation:
Agents may collect premiums but cannot personally cash or deposit checks as if they were funds of their own. Exact extract: "Agents must forward funds promptly to insurers and may not treat premiums as personal assets." Reference:
NEW QUESTION # 394
A penalty tax sometimes applies to "premature" distributions of gains under a modified endowment contract (MEC). What is the amount of the penalty tax?
Answer: D
Explanation:
A 10% penalty tax applies to "premature" distributions of gains from a modified endowment contract (MEC) before the policyholder reaches the age of 59½. This penalty is applied in addition to regular income taxes on the distribution. The MEC rules were established to prevent the use of life insurance policies as tax shelters.
NEW QUESTION # 395
All the following are considered Essential Health Benefits under the ACA, EXCEPT:
Answer: B
Explanation:
Detailed Answer in Step-by-Step Solution:
* The Affordable Care Act (ACA) mandates 10 Essential Health Benefits, including hospitalization (A), laboratory services (B), and preventive care (D), but adult dental services (C) are not included (pediatric dental care is, however).
* Adult dental is often an optional or separate coverage, not a required benefit.
The Virginia study guide, aligned with ACA regulations, lists the 10 Essential Health Benefits, excluding adult dental services while including pediatric dental and vision as distinct categories. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Affordable Care Act."
NEW QUESTION # 396
A life insurance agent who receives a premium payment from an applicant must:
Answer: B
Explanation:
Virginia law obligates agents to act as fiduciaries with premiums collected and to promptly remit payments to the insurer. Exact extract: "An agent who accepts funds from an applicant shall hold such funds in a fiduciary capacity and shall promptly remit them to the insurer." Reference:
NEW QUESTION # 397
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