Virginia Life, Annuities, and Health Insurance Examination Series 11-01
Last Update Oct 15, 2025
Total Questions : 150
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All of the following are underwriting criteria for individual life insurance EXCEPT:
False advertising regarding insurance policies would be found in all of the following EXCEPT:
In long-term care insurance, the guarantee of insurability option provides the insured with the ability to:
All of the following statements about the installments for a fixed period settlement option in life insurance policies are true EXCEPT:
A coordination of benefits provision is included in group health insurance to reduce:
One premium payment covers which period of time in a single premium whole life policy?
At the request of a small group medical plan policyholder the insurer must disclose all of the following EXCEPT:
An agreement attached to a health insurance policy which alters either the terms of the policy or the coverage is called:
All of the following statements about straight whole life insurance policies are true EXCEPT:
Assuming no indebtedness or dividend accumulations, how much will the insurer pay under a life insurance policy if the insured dies during the grace period without having paid the premium?
An insurance agent who fails to handle premiums received in a trustworthy manner may be guilty of:
When the business of insurance is no longer conducted under an assumed name, an agent must notify:
To be complete, an application for health insurance must contain all of the following EXCEPT:
If two group health insurance plans have coordination of benefits provisions, the plan that pays first is called the:
If a long-term care insurance policy is canceled, which benefit would reimburse the insured with a portion of the premiums paid?
When a Medicare Supplement policy is purchased during the open enrollment period:
The "free look" provision in individual health insurance allows the insured a period of time to:
On an application for individual health insurance, all of the following are typically included on the agent’s report EXCEPT:
Including a guaranteed insurability rider on a life insurance policy means that:
Preferred provider organizations (PPOs) encourage patients to use specified hospitals by:
How long does an agent have to report administrative actions by other states to the Bureau of Insurance?
All of the following are dividend options in life insurance policies EXCEPT:
Which is true when a corporation purchases and is the beneficiary of an individual disability income insurance policy on a key employee?
An insured has a $35,000 whole life insurance policy with the full $16,000 cash value available. The amount of insurance available to the insured under the extended term insurance nonforfeiture option of this policy is:
A health insurer must generally pay for all of the following types of claims EXCEPT:
A function performed by both the life insurance agent and the home office underwriter is:
Which term refers to the period of time from the beginning of confinement to the beginning of benefits under a long-term care insurance policy?
If a premium on a life insurance policy is paid under an automatic premium loan provision:
All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:
What does the annuitant usually receive during the distribution phase of an annuity?
In dental insurance coverage, which one of the following typically is EXCLUDED?
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:
Which of the following terms may NOT be used in the advertisement of Accident and Sickness Insurance?
Which doctor-ordered services can be performed by individuals without medical training?
Which of the following statements is true regarding an insurance agent’s license?
After an insured’s death, the insurer learned that the age on the application for a whole life insurance policy was understated by five years. The rate per $1,000 for the applicant’s actual age was $18, and the rate for the understated age was $15. How much will the insurer pay?
All the following are considered Essential Health Benefits under the ACA, EXCEPT:
Which type of health insurance helps to pay for the cost of care in cases where hospitalization is not required but the individuals are unable to care for themselves?
The Medicare "home health care" benefit is intended to cover the cost of certain health care services for insureds who are:
When an HIV test is requested by a health insurer, who signs the consent form?
The document given to employees under a group life insurance plan that describes the basic features of the life insurance coverage is:
The benefit supplement attached to a life insurance policy which insures all members of a family is called a:
When a five-year renewable term life insurance policy issued at age 35 is renewed, the premium rate will be the current rate for:
Under Medicare Supplement insurance, what form provides information about services, benefits, copayments, deductibles, exclusions, premiums, and the insurer?
All of the following have a restricted ability to enter into a contract EXCEPT:
All changes and corrections made to an application for health insurance by an agent must be initialed by the:
What is a situation or condition that increases the likelihood of an insured loss occurring?
If a claim payment is delayed under a health policy, the insurer must pay:
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?
If an individual health contract is issued on a conditionally renewable basis, the insurer has a right to refuse renewal:
Medical expense insurance typically EXCLUDES payment for treatment of injury or sickness resulting from:
The designation of a beneficiary by class in a life insurance policy means that:
The prevention and correction of dental and oral irregularities through the use of mechanical corrective devices is called:
An insured died six months after a life insurance policy was issued. The full death benefit will NOT be paid if the cause of death was:
When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:
What kind of rider may be added to an individual disability income insurance policy to increase benefits during periods of price inflation?
Under the notice of claim provision, notice given to a health insurance company’s agent is:
Which concept states that the insured is entitled to the coverage under a policy that a sensible and prudent buyer would expect it to provide?
Under which type of policy are benefit payments treated as taxable income?
What is often payable to a life insurance policyowner when a medical condition drastically limits the insured’s life expectancy?
Giving policyholders some part of the agent's commission as an inducement to purchase insurance is an unfair trade practice known as:
TESTED 15 Oct 2025
