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| Certification Vendor: | Virginia State Corporation Commission - Bureau of Insurance |
|---|---|
| Exam Name: | Virginia Life, Annuities, and Health Insurance Examination Series 11-01 |
| Exam Number: | 11-01 |
| Passing Score: | 70% |
| Real Exam Qty: | 150 |
| Exam Duration: | 150 minutes |
| Certificate Validity Period: | 2 years (renewable) |
| Exam Format: | Multiple Choice |
| Available Languages: | English |
| Related Certifications: | Virginia Personal Lines Insurance (Series 11-04) Virginia Property & Casualty Insurance (Series 11-03) |
| Exam Price: | $35 USD |
| Recommended Training: | Virginia Bureau of Insurance Study Materials |
| Exam Registration: | Virginia SCC Licensing Portal Prometric Registration |
| Sample Questions: | Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance Sample Questions |
| Exam Way: | Computer-based, delivered at Prometric test centers; online proctoring available |
| Pre Condition: | No formal education or experience prerequisites; must be at least 18 years old, resident or non-resident applying for Virginia license; no prior exam required |
| Official Syllabus URL: | https://www.scc.virginia.gov/pages/Bureau-of-Insurance |
>> Virginia-Life-Annuities-and-Health-Insurance Certification Test Answers <<
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NEW QUESTION # 217
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 # 218
What is the primary role of medical expense and disability insurance?
Answer: D
Explanation:
Detailed Answer in Step-by-Step Solution:
* Medical expense insurance covers healthcare costs, while disability insurance replaces lost income, together protecting against medical costs and earning power loss (B).
* Death benefits (A) are for life insurance. Dismemberment (C) is specific to AD&D. Rehabilitation (D) may be included but isn't primary.
The Virginia study guide defines the core purpose of medical expense and disability insurance as mitigating financial loss from healthcare and income interruption. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Basics."
NEW QUESTION # 219
An application for individual health insurance must be:
Answer: A
Explanation:
An application for individual health insurance must be in writing and becomes part of the insurance contract. The information provided in the application, along with any attachments, helps form the basis of the policy. If any statements or answers in the application are found to be false or misrepresented, the insurer may have grounds for denying a claim.
NEW QUESTION # 220
(Each licensee shall adjust, as appropriate, the information security program consistent with the following EXCEPT:)
Answer: B
Explanation:
Virginia's insurance data security requirements mandate that licensees maintain and update an information security program based on risk assessment. Adjustments are required when there are changes in technology, evolving internal or external threats, or changes in the sensitivity of nonpublic personal information.
The appointment of a new Insurance Commissioner has no direct impact on a licensee's cybersecurity risk profile and does not require modification of the information security program. Therefore, option D is the correct answer.
Virginia exam materials emphasize that cybersecurity obligations are risk-based and operational, not political or administrative in nature.
NEW QUESTION # 221
A licensee must report an administrative action taken by another state or governmental agency tothe Bureau of Insurance within how many calendar days after final disposition?
Answer: A
Explanation:
Virginia Code § 38.2-1826(C) mandates that licensees (agents, brokers, etc.) report administrative actions- such as license revocation or fines by another state or agency-to the Bureau of Insurance within 30 calendar days of the final disposition. "Final disposition" means the conclusion of the action (e.g., final order or settlement). This requirement ensures Virginia regulators can assess the licensee's fitness to hold a license and protect consumers. Option C (30 days) matches this statutory timeline precisely. Option A (10 days) is too short and not supported by Virginia law. Option B (20 days) lacks a basis in the Code or study materials.
Option D (45 days) exceeds the mandated period, risking delayed oversight. The study guide likely emphasizes this 30-day rule as a critical compliance deadline, reinforced by Virginia's alignment with NAIC standards for licensee reporting, making C the definitive answer.
NEW QUESTION # 222
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