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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
Passing Score:	70%
Exam Price:	$35 USD
Real Exam Qty:	150
Related Certifications:	Virginia Life and Health Insurance License
Exam Duration:	150 minutes
Available Languages:	English
Exam Format:	Multiple Choice
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 Exam Syllabus Topics:

Topic	Details
Topic 1	Annuities: This domain covers annuity principles, immediate versus deferred annuities, payment options, product types including fixed and variable annuities, and uses for retirement income and tax-deferred growth.
Topic 2	Health Insurance Basics: This domain introduces health insurance fundamentals including covered perils, types of benefits, policy classifications, limited policies, common exclusions, agent responsibilities, underwriting processes, and replacement considerations.
Topic 3	Dental Insurance: This domain addresses dental insurance including types of treatment, indemnity plan structures, benefit categories, deductibles and coinsurance, and employer group dental plans.
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	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 6	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 7	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 8	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 (Q417-Q422):

NEW QUESTION # 417
Which life insurance policy provision has the potential to reduce the death benefit?

A. Spendthrift clause
B. Conversion privilege
C. Disability premium waiver
D. Accelerated benefit

Answer: D

Explanation:
The "accelerated benefit" provision allows a policyholder to access a portion of the life insurance death benefit while still alive, typically due to a terminal illness or other qualifying condition. This means that the amount advanced as an accelerated benefit will be subtracted from the total death benefit that will be paid to the beneficiaries after the insured's death.

NEW QUESTION # 418
Monthly life annuity benefit payments received from a tax-sheltered annuity (TSA) are:

A. Tax free until the investment is recovered
B. Tax free to the annuitant but taxable to the beneficiary
C. Tax free to all recipients
D. Taxed as ordinary income in the year received

Answer: D

Explanation:
Monthly life annuity benefit payments received from a tax-sheltered annuity (TSA) are taxed as ordinary income in the year received. While contributions to a TSA may be made on a tax-deferred basis, the income received upon distribution is subject to income tax, as it represents earnings on the original tax-deferred contributions.

NEW QUESTION # 419
Nearly all citizens of the U.S.A., regardless of age, are eligible for Medicare Part B if they are:

A. "Fully insured" under Social Security
B. Uninsurable through commercial insurers
C. Retired permanently
D. Eligible for Medicare Part A

Answer: D

Explanation:
Detailed Answer in Step-by-Step Solution:
Medicare Part B eligibility generally requires enrollment in or eligibility for Part A (B), which covers hospital insurance and is tied to age (65+) or disability status, not just retirement (A) or insurability (C).
"Fully insured" under Social Security (D) relates to benefits but isn't a direct Part B requirement.
The Virginia study guide states that Medicare Part B is available to those eligible for Part A, typically U.S. citizens or residents aged 65 or disabled, regardless of other factors. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Medicare Eligibility."

NEW QUESTION # 420
The purchaser of a deferred annuity normally intends that the income benefits will begin:

A. Within several weeks after the annuity is purchased
B. Upon the death of the annuitant
C. Upon request of the designated beneficiary
D. On a specified date often years after issuance

Answer: D

Explanation:
The purchaser of a deferred annuity typically intends for the income benefits to begin on a specified date, often years after issuance. The purpose of a deferred annuity is to allow the policyholder to accumulate funds during the deferral period, and then begin receiving periodic payments at a later date, such as retirement. This is in contrast to immediate annuities, which start paying out shortly after the annuity is purchased.

NEW QUESTION # 421
The insurance with other insurers provision in an individual health insurance policy allows an insurer to pay benefits to the insureds on a pro-rata basis when the:

A. Insurer was not notified prior to the claim that the insured has other health coverage
B. Insured has submitted claims in excess of $2,000 during the policy year
C. Policy has entered into the grace period for premium payment
D. Policy is within 31 days of the renewal date

Answer: A

Explanation:
The "insurance with other insurers" provision, addressed in Virginia Code § 38.2-3514, is a coordination of benefits (COB) mechanism in individual health insurance policies designed to prevent over-insurance and duplicate payments when an insured has multiple policies covering the same loss. This provision allows the insurer to prorate benefits-paying a share based on the total coverage-when certain conditions are met.
Option C states that the insurer wasn't notified prior to the claim of other coverage, which triggers proration.
This aligns with standard COB rules: if the insurer isn't informed of other policies, it may assume primary liability initially but adjust to a pro-rata share upon discovery, ensuring equitable payment across insurers.
Option A (within 31 days of renewal) is irrelevant; renewal proximity doesn't affect benefit coordination.
Option B (grace period) relates to premium payment timing, not other insurance, and doesn't trigger proration.
Option D ($2,000 claim threshold) is arbitrary and not a standard condition in Virginia law or study materials for this provision. The study guide likely emphasizes notification as key to COB, as Virginia follows NAIC model regulations requiring disclosure of other coverage (e.g., via application or claim forms). Without prior notice, the insurer applies proration retroactively, making C the correct choice.

NEW QUESTION # 422
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