2026 Virginia Insurance Virginia-Life-Annuities-and-Health-Insurance High Hit-Rate Examinations Actual Questions

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

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
Certificate Validity Period:2 years (renewable)
Passing Score:70%
Available Languages:English
Exam Price:$35 USD
Exam Duration:150 minutes
Real Exam Qty:150
Exam Format:Multiple Choice
Related Certifications:Virginia Personal Lines Insurance (Series 11-04)
Virginia Property & Casualty Insurance (Series 11-03)
Recommended Training:Virginia Bureau of Insurance Study Materials
Exam Registration:Prometric Registration
Virginia SCC Licensing Portal
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

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

TopicDetails
Topic 1
  • 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 2
  • Insurance Regulation: This domain covers Virginia's regulatory framework for insurance agents and companies, including licensing, appointments, continuing education, disciplinary actions, and the State Corporation Commission's authority. It also addresses federal regulations like the Fair Credit Reporting Act and ACA market reforms.
Topic 3
  • Life Insurance Policies: This domain examines various life insurance products including term, whole life, universal life, specialized policies, and group life insurance, covering their characteristics, features, and appropriate applications.
Topic 4
  • Life Insurance Basics: This domain covers insurable interest, personal and business uses of life insurance, methods for determining coverage amounts, policy classifications, premium determination factors, agent sales responsibilities, and the underwriting process.
Topic 5
  • 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 6
  • 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 7
  • Qualified Plans: This domain addresses employer-sponsored retirement plans including qualification requirements, tax advantages, and various plan types such as SEPs, 401(k)s, and 403(b) plans.
Topic 8
  • Federal Tax Considerations for Life Insurance and Annuities: This domain examines federal tax treatment of life insurance and annuities including death benefits, policy loans, modified endowment contracts, non-qualified annuities, IRAs, and Section 1035 exchanges.
Topic 9
  • Disability Income and Related Insurance: This domain addresses disability income insurance including benefit qualifications, individual and group policy features, riders, underwriting considerations, business applications, and Social Security and workers compensation benefits.
Topic 10
  • 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 11
  • 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 (Q39-Q44):

NEW QUESTION # 39
An example of the unfair trade practice known as twisting is:

Answer: B

Explanation:
Twisting involves misrepresenting or making incomplete comparisons to induce a policyholder to replace an existing policy with one from another insurer, often to the client's detriment.
Exact Extract (Virginia Unfair Trade Practices Law): "Twisting-making incomplete or misleading comparisons of policies to induce replacement." Reference (Virginia Documents / Study Guide):
- Code of Virginia §38.2-503 (Twisting prohibited)


NEW QUESTION # 40
Which contract provides an income benefit until the first of two annuitants dies?

Answer: B

Explanation:
Virginia Code § 38.2-3100 et seq. governs annuities. A joint life annuity (option C) pays income until the first of two annuitants dies, then ceases-ideal for temporary dual coverage. Option A (joint and survivor annuity) continues payments until the last survivor dies, not stopping at the first death. Option B (temporary annuity) pays for a fixed term (e.g., 10 years), regardless of death, and isn't tied to two lives. Option D (single life annuity) covers one person until their death, not two. The study guide likely defines these with examples-e.g., a couple receiving $1,000 monthly until one dies (joint life) versus until both die (joint and survivor)-highlighting C's "first death" cutoff, making it the correct answer.


NEW QUESTION # 41
All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:

Answer: C

Explanation:
Virginia Code § 38.2-4306 requires HMOs to offer preventive care, coordinated by primary care physicians (PCPs), focusing on health maintenance. Option A (well-baby checkups), option B (immunizations for children), and option D (physical examinations) are standard preventive services-e.g., growth monitoring, vaccines, and annual exams-covered at no cost under ACA-aligned plans (Virginia Code § 38.2-3440). Option C (experimental surgery) is not preventive; it's a treatment, often excluded or requiring special approval due to its unproven nature, not a PCP's routine role. The study guide likely lists HMO preventive benefits with examples (e.g., flu shots), contrasting them with non-preventive interventions like surgery, making C the exception.


NEW QUESTION # 42
The employer who receives and holds the insurance policy is known as the:

Answer: A

Explanation:
The employer who receives and holds the group life insurance policy is referred to as the master policyholder. The master policyholder is responsible for overseeing the insurance plan for the employees, though the employees themselves are the policyholders for their individual benefits. The insurer provides the master policy to the employer, and employees receive certificates of insurance.


NEW QUESTION # 43
The interest that an insurance company earns on life insurance premiums paid helps to:

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
Life insurance premiums are calculated based on three factors: mortality (death rates), interest (investment earnings), and expenses (operating costs).
When an insurer earns interest on premiums invested, it increases the funds available to pay claims, reducing the amount needed from policyholders.
This results in a decrease in the premium rate (C), as higher interest earnings offset the cost of coverage.
Option A (increase premium rate) would occur if interest earnings decreased.
Options B and D (mortality rate changes) are unrelated to interest, as mortality is a statistical factor, not a financial one.
The Virginia study guide explains that interest earned on premiums is a key component of pricing life insurance, allowing insurers to lower premium rates when investment returns are favorable. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Premium Determination."


NEW QUESTION # 44
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