Virginia-Life-Annuities-and-Health-Insurance Latest Exam Questions & Virginia-Life-Annuities-and-Health-Insurance Reliable Exam Vce

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

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

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q358-Q363):

NEW QUESTION # 358
All of the following statements about tax-sheltered annuities (TSAs) are true EXCEPT:

Answer: B

Explanation:
The investment gain in a tax-sheltered annuity (TSA), which is also known as a 403(b) plan, is not included in the participant's gross income until it is withdrawn. This allows the participant to defer taxes on the investment growth until retirement, when distributions are taken. The other statements about TSAs are accurate: they are funded through voluntary salary reductions, and the annuitant can have an individual account or contract.


NEW QUESTION # 359
A certificate of insurance in a group health plan is:

Answer: D

Explanation:
A certificate of insurance in a group health plan is evidence of the employee's insurance coverage. It provides a summary of the coverage, terms, and benefits the employee is entitled to under the group policy. It is not a contract between the employee and the insurer or between the employer and the insurer. The employer typically holds the master policy, while the certificate is issued to each employee covered under the plan.


NEW QUESTION # 360
The preventive medical care benefit sometimes provided in a Medicare supplement policy covers:

Answer: A

Explanation:
Certain Medicare supplement policies in Virginia may include preventive benefits not fully covered by Medicare, such as annual physical exams. These benefits are limited and distinct from core Medicare Part A (hospitalization) and Part B (medical) services.
Exact Extract (Virginia Medicare Supplement Study Guide): "Preventive medical care benefit may include annual physical exams and preventive screening tests, which are not part of basic Medicare coverage." Reference (Virginia Documents / Study Guide):
- Virginia Health Insurance Examination Outline, Medicare Supplement Provisions


NEW QUESTION # 361
Which of the following statements is true regarding an insurance agent's license?

Answer: D

Explanation:
In Virginia, an insurance agent's license is governed by the State Corporation Commission's Bureau of Insurance under Title 38.2 of the Virginia Code. According to Virginia Code § 38.2-1819, once issued, the license authorizes the agent to transact insurance business on behalf of appointed insurers until it is terminated, suspended, or revoked by the Bureau. The license fee is paid to the Bureau of Insurance, not the insurance company (Virginia Code § 38.2-1818), making option A incorrect. Virginia Code § 38.2-1822 specifies that licenses are renewed biennially (every two years), not annually, rendering option C false. Finally, Virginia Code § 38.2-1833 clarifies that an agent needs only one license but must secure an appointment for each insurer they represent, not a separate license per insurer, making option D incorrect. Option B is the only statement consistent with Virginia law, reflecting the license's ongoing authority unless altered by regulatory action.


NEW QUESTION # 362
All of the following statements about tax-sheltered annuities (TSAs) are true EXCEPT:

Answer: B

Explanation:
Tax-sheltered annuities (TSAs), per IRC § 403(b) and Virginia Code § 38.2-3100 et seq., are retirement plans for nonprofit employees. Option A is true; they're synonymous with 403(b) plans. Option B is true; contributions often come from voluntary salary reductions, tax-deferred until withdrawal. Option C is true; participants can have individual contracts or accounts. Option D is false; investment gains are tax-deferred, not included in gross income annually, only taxed upondistribution. The study guide highlights TSAs' tax advantages, making D the incorrect statement.


NEW QUESTION # 363
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