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

Certification Vendor:Virginia Bureau of Insurance
Exam Name:VA Life, Annuities & Health Insurance
Exam Number:11-01
Related Certifications:Virginia Life and Health Insurance License
Available Languages:English
Exam Price:$35 USD
Passing Score:70%
Real Exam Qty:150
Exam Format:Multiple Choice
Exam Duration:150 minutes
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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Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance 認定試験の出題範囲：

トピック出題範囲
トピック 1
  • 生命保険商品：この分野では、定期保険、終身保険、ユニバーサル生命保険、専門保険、団体生命保険など、さまざまな生命保険商品を、その特徴、機能、適切な適用方法について解説します。
トピック 2
  • 生命保険の基礎知識：この分野では、被保険利益、生命保険の個人および事業用途、保障額の決定方法、保険契約の分類、保険料決定要因、代理店の販売責任、および引受プロセスについて説明します。
トピック 3
  • 個人健康保険契約の一般規定：この項目では、契約条件、請求手続き、猶予期間、更新区分、クーリングオフ期間など、個人健康保険契約における統一的な必須規定および任意規定を網羅します。
トピック 4
  • 高齢者および特別なニーズを持つ個人のための保険：この分野では、メディケアのパートAD、標準化されたプランとバージニア州の規制に基づくメディケア補足保険、メディケア受給資格のある個人のためのその他の補償オプション、および包括的な長期介護保険の要件について説明します。
トピック 5
  • 健康保険の基礎知識：この分野では、補償対象となる危険、給付の種類、保険契約の分類、限定的な保険契約、一般的な除外事項、代理店の責任、引受プロセス、代替保険に関する考慮事項など、健康保険の基礎知識を紹介します。
トピック 6
  • 生命保険契約の条項、オプション、および特約：この分野では、標準契約条項、受取人指定、保険金支払オプション、失効防止条項、保険契約者貸付、配当オプション、および障害給付金や早期死亡給付金を含む特約について説明します。
トピック 7
  • 健康保険に関する連邦税上の考慮事項：この分野では、個人所有および雇用主提供の健康保険、事業障害保険、およびHSA、HRA、FSAなどの税制優遇口座に対する連邦税上の取り扱いについて検討します。
トピック 8
  • 適格退職年金制度：この分野では、雇用主が提供する退職年金制度について、加入資格要件、税制上の優遇措置、SEP、401(k)プラン、403(b)プランなどの様々な制度の種類を含めて解説します。
トピック 9
  • 生命保険および年金に関する連邦税上の考慮事項：この分野では、死亡給付金、保険契約者貸付、修正終身保険契約、非適格年金、IRA、およびセクション1035交換を含む、生命保険および年金の連邦税上の取り扱いについて検討します。

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 認定 Virginia-Life-Annuities-and-Health-Insurance 試験問題 (Q258-Q263):

質問 # 258
(In which situation could the agent of an insurer be personally liable?)

正解：D

解説：
In Virginia, an insurance agent is treated as the insurer's agent when selling/soliciting/negotiating insurance, which is why insurers are generally accountable to insureds for authorized acts of their agents in those transactions. However, that does not mean the agent is immune from personal responsibility. When an agent goes beyond the authority granted by the insurer-especially by doing something the agency agreement expressly forbids-the agent is acting outside the scope of the contractually granted authority and may face personal consequences (including civil liability exposure depending on the harm caused and the legal theory asserted). Virginia regulatory guidance also warns that exceeding authority is a violation of Virginia law, underscoring that an agent's actions are constrained by the authority they've been granted. By contrast, "oral but unwritten authority" can still be actual authority if the insurer granted it, and using insurer-provided materials (even if problematic) typically implicates the insurer's oversight and advertising compliance duties rather than automatically shifting liability to the agent. The "never" option is incorrect because liability can arise when authority is exceeded or prohibited conduct occurs.


質問 # 259
If an employee in poor health is part of a large group that is acceptable for group life insurance, that employee is:

正解：D

解説：
Group life insurance in Virginia, governed by Virginia Code § 38.2-3318 et seq., operates on a "group underwriting" basis, meaning coverage is issued to the group as a whole without individual health assessments. For large groups (typically over 10 employees, though Virginia defines "large" contextually), insurers accept the entire eligible group without requiring evidence of insurability, provided the group meets participation and eligibility standards (e.g., active employees). Option C reflects this: an employee in poor health, as part of an acceptable group, receives the same coverage as others, as health status doesn't affect eligibility or terms. Option A (ineligible) is false; group plans don't exclude based on individual health. Option B (rated basis) applies to individual policies where substandard risks increase premiums, not group plans where risk is pooled. Option D (limited coverage) contradicts the uniformity of group coverage terms. The study guide likely highlights this non-discriminatory feature of group life, ensuring equal benefits for all eligible members, making C the correct answer per Virginia's legal and practical framework.


質問 # 260
Which is a restorative dental procedure?

正解：C

解説：
A restorative dental procedure refers to treatments that restore the function and integrity of a tooth, typically after damage or decay. A filling is a common restorative procedure, where the dentist repairs a cavity. An extraction removes a tooth, while a root canal treats infection within the tooth, and fitting dentures replaces missing teeth, all of which are not categorized as restorative procedures but are considered reparative or replacement treatments.


質問 # 261
Which is true about a term life insurance policy?

正解：A

解説：
A term life insurance policy provides temporary protection for a specified period, such as 10, 20, or 30 years, and does not accumulate cash value like whole life policies. Term life insurance is often renewable, but premiums typically increase with each renewal. It is designed to provide coverage for a set period, offering financial protection if the insured passes away within that term.


質問 # 262
What is a situation or condition that increases the likelihood of an insured loss occurring?

正解：C

解説：
In insurance terminology, per Virginia Code § 38.2-100 et seq., a hazard (option A) is a condition increasing the likelihood or severity of a loss from a covered peril (e.g., smoking increases fire risk). Option B (peril) is the cause of loss (e.g., fire, theft). Option C (exposure) is the extent of potential loss, not the condition itself. Option D (risk) is the broader uncertainty of loss, encompassing hazards and perils. The study guide likely differentiates these with examples-e.g., icy roads (hazard) causing a crash (peril)-highlighting hazard's role in amplifying loss probability, making A the exact match.


質問 # 263
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