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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 |
| Exam Price: | $35 USD |
| Certificate Validity Period: | 2 years (renewable) |
| Passing Score: | 70% |
| Related Certifications: | Virginia Personal Lines Insurance (Series 11-04) Virginia Property & Casualty Insurance (Series 11-03) |
| Available Languages: | English |
| Exam Format: | Multiple Choice |
| Exam Duration: | 150 minutes |
| Real Exam Qty: | 150 |
| 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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NEW QUESTION # 179
An individual currently owns a long-term care policy. At the time of application for similar coverage, which item must be signed by the applicant and retained by the insurer?
Answer: C
Explanation:
Virginia Code § 38.2-5207.1 and 14VAC5-200-75 regulate replacement of long-term care (LTC) insurance, requiring a replacement notice when an applicant with existing coverage applies for a new policy that may replace it. This signed notice, provided to the applicant and retained by the insurer, ensures transparency about potential duplication or lapse of the original policy, protecting consumers from unintended coverage gaps or costs. Option C (replacement notice) fits this requirement. Option A (cancellation notice) relates to terminating a policy, not applying for a new one. Option B (substitution notice) isn't a standard term;
"replacement" is the legal phrase. Option D (duplication notice) might imply overlap but lacks regulatory specificity. The study guide likely includes a sample replacement form, stressing its role in LTC sales compliance, confirming C as the correct choice.
NEW QUESTION # 180
An agent learned that a client covered by a large employer group health plan has just suffered kidney failure. Which health plan will be primary during the months immediately following the onset of kidney failure?
Answer: B
Explanation:
For individuals with end-stage renal disease (ESRD), employer group coverage is primary for the first 30 months of treatment, even if the individual also qualifies for Medicare. After 30 months, Medicare becomes primary. Exact extract: "Employer group health plans are primary for 30 months for ESRD patients; thereafter Medicare assumes primary responsibility." Reference:
NEW QUESTION # 181
If an individual health contract is issued on a conditionally renewable basis, the insurer has a right to refuse renewal:
Answer: D
Explanation:
"Conditionally renewable" policies guarantee renewal as long as certain conditions listed in the contract are met. These conditions may include factors such as reaching a certain age or maintaining occupation class, but not health status or claims history. Exact extract: "A conditionally renewable policy may be nonrenewed only on grounds stated in the policy; health deterioration or claims experience may not be a reason for nonrenewal." This gives insurers some flexibility while protecting consumers from arbitrary termination.
Reference:
NEW QUESTION # 182
(Which group forms the membership of the Medical Information Bureau?)
Answer: C
Explanation:
The Medical Information Bureau (MIB) is an organization whose members are insurance companies, primarily life and health insurers. Its purpose is to help insurers detect misrepresentation and fraud during underwriting by sharing coded medical and application history data.
Consumers, agents, and physicians are not members of MIB. However, consumers have rights to access and correct their MIB records under privacy laws.
Virginia exam content emphasizes the role of MIB in underwriting accuracy and risk management while also stressing consumer privacy protections and disclosure requirements.
NEW QUESTION # 183
What is a situation or condition that increases the likelihood of an insured loss occurring?
Answer: C
Explanation:
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.
NEW QUESTION # 184
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