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Virginia Life & Health Study Guide

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Section 1 Virginia Series 11-01 — Insurance Regulation: SCC and Bureau of Insurance authority Preview

Preview: Insurance Regulation

Preview includes
  • 4 of 5 lesson topics
  • 1 overview segment
  • 3 core concepts
  • 2 exam tips

Lesson Topics

  • SCC regulatory duties
  • Bureau of Insurance
  • Regulatory framework
  • Authority delineation

Overview

SCC and Bureau of Insurance authority: Virginia insurance is regulated by the State Corporation Commission (SCC); the Bureau of Insurance carries out insurance regulatory functions under the SCC.

Core Concepts

  • Virginia insurance is regulated by the State Corporation Commission (SCC); the Bureau of Insurance carries out insurance regulatory functions under the SCC.
  • For exam questions, enforcement, licensing, forms, market conduct, and insurer compliance point to Virginia state authority.
  • Exam focus: SCC = Virginia regulator; Bureau = insurance arm.

Exam Tips

  • Memorize this exam cue: SCC = Virginia regulator; Bureau = insurance arm.
  • Read timing words, ownership roles, premium mode, and policy type before choosing an answer.
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Section 2 Virginia Series 11-01 — Insurance Regulation: license versus insurer appointment Pro
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Section 3 Virginia Series 11-01 — Insurance Regulation: nonresident producer licensing Pro
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Section 4 Virginia Series 11-01 — Insurance Regulation: business entity licensing Pro
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Section 5 Virginia Series 11-01 — Insurance Regulation: license maintenance and reporting Pro
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Section 6 Virginia Series 11-01 — Insurance Regulation: continuing education Pro
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Section 7 Virginia Series 11-01 — Insurance Regulation: acting for an unlicensed insurer Pro
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Section 8 Virginia Series 11-01 — Insurance Regulation: producer record retention Pro
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Section 9 Virginia Series 11-01 — Insurance Regulation: commission sharing Pro
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Section 10 Virginia Series 11-01 — Insurance Regulation: fiduciary handling of premiums Pro
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Section 11 Virginia Series 11-01 — Insurance Regulation: misrepresentation Pro
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Section 12 Virginia Series 11-01 — Insurance Regulation: rebating Pro
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Section 13 Virginia Series 11-01 — Insurance Regulation: twisting Pro
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Section 14 Virginia Series 11-01 — Insurance Regulation: unfair discrimination Pro
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Section 15 Virginia Series 11-01 — Insurance Regulation: adverse underwriting decision notice Pro
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Section 16 Virginia Series 11-01 — Insurance Regulation: insurance information and privacy Pro
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Section 17 Virginia Series 11-01 — Insurance Regulation: Fair Credit Reporting Act Pro
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Section 18 Virginia Series 11-01 — Insurance Regulation: fraud and false statements in insurance Pro
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Section 19 Virginia Series 11-01 — Insurance Regulation: ACA market reforms Pro
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Section 20 Virginia Series 11-01 — Insurance Regulation: NAIC role versus state regulator Pro
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Section 21 Virginia Series 11-01 — General Insurance: risk, peril, and hazard Pro
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Section 22 Virginia Series 11-01 — General Insurance: methods of handling risk Pro
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Section 23 Virginia Series 11-01 — General Insurance: adverse selection Pro
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Section 24 Virginia Series 11-01 — General Insurance: law of large numbers Pro
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Section 25 Virginia Series 11-01 — General Insurance: reinsurance Pro
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Section 26 Virginia Series 11-01 — General Insurance: stock versus mutual insurers Pro
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Section 27 Virginia Series 11-01 — General Insurance: domestic foreign and alien insurers Pro
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Section 28 Virginia Series 11-01 — General Insurance: admitted versus nonadmitted insurers Pro
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Section 29 Virginia Series 11-01 — General Insurance: express implied and apparent authority Pro
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Section 30 Virginia Series 11-01 — General Insurance: contract of adhesion Pro
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Section 31 Virginia Series 11-01 — General Insurance: aleatory and unilateral contracts Pro
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Section 32 Virginia Series 11-01 — General Insurance: waiver and estoppel Pro
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Section 33 Virginia Series 11-01 — Life Insurance Basics: insurable interest at policy inception Pro
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Section 34 Virginia Series 11-01 — Life Insurance Basics: human life value approach Pro
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Section 35 Virginia Series 11-01 — Life Insurance Basics: needs approach Pro
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Section 36 Virginia Series 11-01 — Life Insurance Basics: key person life insurance Pro
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Section 37 Virginia Series 11-01 — Life Insurance Basics: buy-sell agreement funding Pro
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Section 38 Virginia Series 11-01 — Life Insurance Basics: executive bonus arrangement Pro
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Section 39 Virginia Series 11-01 — Life Insurance Basics: participating versus nonparticipating policies Pro
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Section 40 Virginia Series 11-01 — Life Insurance Basics: fixed versus variable life products Pro
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Section 41 Virginia Series 11-01 — Life Insurance Basics: premium determination factors Pro
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Section 42 Virginia Series 11-01 — Life Insurance Basics: field underwriting and application completeness Pro
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Section 43 Virginia Series 11-01 — Life Insurance Basics: underwriting information sources Pro
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Section 44 Virginia Series 11-01 — Life Insurance Basics: risk classifications Pro
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Section 45 Virginia Series 11-01 — Life Insurance Policies: level term insurance Pro
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Section 46 Virginia Series 11-01 — Life Insurance Policies: annual renewable term Pro
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Section 47 Virginia Series 11-01 — Life Insurance Policies: decreasing term insurance Pro
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Section 48 Virginia Series 11-01 — Life Insurance Policies: increasing term insurance Pro
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Section 49 Virginia Series 11-01 — Life Insurance Policies: return-of-premium term Pro
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Section 50 Virginia Series 11-01 — Life Insurance Policies: straight whole life Pro
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Section 51 Virginia Series 11-01 — Life Insurance Policies: limited-pay whole life Pro
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Section 52 Virginia Series 11-01 — Life Insurance Policies: single-premium whole life Pro
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Section 53 Virginia Series 11-01 — Life Insurance Policies: universal life Pro
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Section 54 Virginia Series 11-01 — Life Insurance Policies: adjustable life Pro
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Section 55 Virginia Series 11-01 — Life Insurance Policies: variable whole life Pro
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Section 56 Virginia Series 11-01 — Life Insurance Policies: variable universal life Pro
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Section 57 Virginia Series 11-01 — Life Insurance Policies: indexed life Pro
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Section 58 Virginia Series 11-01 — Life Insurance Policies: joint life first-to-die Pro
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Section 59 Virginia Series 11-01 — Life Insurance Policies: survivorship life second-to-die Pro
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Section 60 Virginia Series 11-01 — Life Insurance Policies: group life master contract and certificates Pro
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Section 61 Virginia Series 11-01 — Life Insurance Policies: group life conversion Pro
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Section 62 Virginia Series 11-01 — Life Insurance Policies: contributory versus noncontributory group life Pro
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Section 63 Virginia Series 11-01 — Life Insurance Policies: credit life insurance Pro
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Section 64 Virginia Series 11-01 — Life Insurance Policies: separate accounts for variable products Pro
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Section 65 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: assignment of life insurance Pro
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Section 66 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: entire contract provision Pro
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Section 67 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: life insurance free look Pro
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Section 68 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: life grace period Pro
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Section 69 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: life reinstatement Pro
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Section 70 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: life incontestability Pro
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Section 71 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: misstatement of age Pro
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Section 72 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: suicide clause Pro
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Section 73 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: backdating limitation Pro
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Section 74 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: revocable versus irrevocable beneficiary Pro
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Section 75 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: interest-only settlement option Pro
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Section 76 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: fixed-period settlement option Pro
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Section 77 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: fixed-amount settlement option Pro
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Section 78 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: life income settlement Pro
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Section 79 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: cash surrender nonforfeiture option Pro
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Section 80 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: extended term nonforfeiture option Pro
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Section 81 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: reduced paid-up nonforfeiture option Pro
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Section 82 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: policy loans Pro
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Section 83 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: dividend options Pro
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Section 84 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: waiver of premium rider Pro
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Section 85 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: guaranteed insurability rider Pro
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Section 86 Virginia Series 11-01 — Life Insurance Policy Provisions, Options and Riders: accelerated death benefit Pro
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Section 87 Virginia Series 11-01 — Annuities: accumulation versus annuity period Pro
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Section 88 Virginia Series 11-01 — Annuities: owner annuitant beneficiary roles Pro
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Section 89 Virginia Series 11-01 — Annuities: immediate versus deferred annuity Pro
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Section 90 Virginia Series 11-01 — Annuities: fixed annuity general account Pro
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Section 91 Virginia Series 11-01 — Annuities: variable annuity investment risk Pro
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Section 92 Virginia Series 11-01 — Annuities: indexed annuity crediting Pro
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Section 93 Virginia Series 11-01 — Annuities: market value adjusted annuity Pro
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Section 94 Virginia Series 11-01 — Annuities: life-only annuity payout Pro
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Section 95 Virginia Series 11-01 — Annuities: life with period certain Pro
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Section 96 Virginia Series 11-01 — Annuities: joint and survivor annuity Pro
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Section 97 Virginia Series 11-01 — Annuities: annuity surrender charges Pro
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Section 98 Virginia Series 11-01 — Annuities: annuity suitability and best-interest process Pro
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Section 99 Virginia Series 11-01 — Federal Tax Considerations for Life Insurance and Annuities: life insurance death-benefit taxation Pro
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Section 100 Virginia Series 11-01 — Federal Tax Considerations for Life Insurance and Annuities: MEC seven-pay test Pro
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Section 101 Virginia Series 11-01 — Federal Tax Considerations for Life Insurance and Annuities: MEC distribution taxation Pro
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Section 102 Virginia Series 11-01 — Federal Tax Considerations for Life Insurance and Annuities: Section 1035 exchange Pro
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Section 103 Virginia Series 11-01 — Qualified Plans: 401(k) plan Pro
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Section 104 Virginia Series 11-01 — Qualified Plans: 403(b) plan Pro
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Section 105 Virginia Series 11-01 — Qualified Plans: SEP and SIMPLE retirement plans Pro
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Section 106 Virginia Series 11-01 — Qualified Plans: qualified-plan tax deferral Pro
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Section 107 Virginia Series 11-01 — Health Insurance Basics: medical expense versus disability income loss Pro
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Section 108 Virginia Series 11-01 — Health Insurance Basics: limited versus comprehensive health policies Pro
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Section 109 Virginia Series 11-01 — Health Insurance Basics: accident-only policy Pro
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Section 110 Virginia Series 11-01 — Health Insurance Basics: specified disease and critical illness coverage Pro
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Section 111 Virginia Series 11-01 — Health Insurance Basics: short-term medical coverage Pro
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Section 112 Virginia Series 11-01 — Health Insurance Basics: common health exclusions Pro
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Section 113 Virginia Series 11-01 — Health Insurance Basics: field underwriting in health insurance Pro
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Section 114 Virginia Series 11-01 — Health Insurance Basics: MIB and underwriting sources Pro
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Section 115 Virginia Series 11-01 — Health Insurance Basics: HIV testing consent and underwriting Pro
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Section 116 Virginia Series 11-01 — Health Insurance Basics: genetic information privacy Pro
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Section 117 Virginia Series 11-01 — Health Insurance Basics: health insurance replacement Pro
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Section 118 Virginia Series 11-01 — Health Insurance Basics: ACA pre-existing-condition protection Pro
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Section 119 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: entire contract and changes Pro
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Section 120 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: time limit on certain defenses Pro
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Section 121 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: health grace period Pro
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Section 122 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: health reinstatement by premium acceptance Pro
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Section 123 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: conditional receipt reinstatement timing Pro
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Section 124 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: reinstated policy sickness waiting period Pro
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Section 125 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: notice of claim Pro
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Section 126 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: claim forms Pro
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Section 127 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: proofs of loss Pro
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Section 128 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: time of payment of claims Pro
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Section 129 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: physical examinations and autopsy Pro
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Section 130 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: legal actions Pro
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Section 131 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: change of beneficiary Pro
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Section 132 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: cancellation by insured Pro
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Section 133 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: change of occupation optional provision Pro
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Section 134 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: misstatement of age optional health provision Pro
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Section 135 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: relation of earnings to insurance Pro
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Section 136 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: unpaid premium optional provision Pro
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Section 137 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: conformity with state statutes Pro
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Section 138 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: illegal occupation optional provision Pro
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Section 139 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: health policy free look Pro
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Section 140 Virginia Series 11-01 — Individual Health Insurance Policy General Provisions: renewability classifications Pro
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Section 141 Virginia Series 11-01 — Disability Income and Related Insurance: own-occupation disability Pro
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Section 142 Virginia Series 11-01 — Disability Income and Related Insurance: any-occupation disability Pro
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Section 143 Virginia Series 11-01 — Disability Income and Related Insurance: partial disability Pro
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Section 144 Virginia Series 11-01 — Disability Income and Related Insurance: residual disability Pro
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Section 145 Virginia Series 11-01 — Disability Income and Related Insurance: elimination and benefit periods Pro
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Section 146 Virginia Series 11-01 — Disability Income and Related Insurance: COLA rider Pro
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Section 147 Virginia Series 11-01 — Disability Income and Related Insurance: future increase option Pro
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Section 148 Virginia Series 11-01 — Disability Income and Related Insurance: business overhead expense disability Pro
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Section 149 Virginia Series 11-01 — Disability Income and Related Insurance: Social Security disability waiting period Pro
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Section 150 Virginia Series 11-01 — Disability Income and Related Insurance: workers compensation versus disability income Pro
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Section 151 Virginia Series 11-01 — Medical Plans: deductible and coinsurance Pro
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Section 152 Virginia Series 11-01 — Medical Plans: stop-loss out-of-pocket protection Pro
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Section 153 Virginia Series 11-01 — Medical Plans: usual reasonable customary charges Pro
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Section 154 Virginia Series 11-01 — Medical Plans: HMO gatekeeper concept Pro
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Section 155 Virginia Series 11-01 — Medical Plans: PPO out-of-network access Pro
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Section 156 Virginia Series 11-01 — Medical Plans: POS plan Pro
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Section 157 Virginia Series 11-01 — Medical Plans: prospective utilization review Pro
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Section 158 Virginia Series 11-01 — Medical Plans: concurrent utilization review Pro
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Section 159 Virginia Series 11-01 — Medical Plans: newborn child coverage Pro
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Section 160 Virginia Series 11-01 — Medical Plans: adopted child coverage Pro
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Section 161 Virginia Series 11-01 — Medical Plans: HSA eligibility and HDHP Pro
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Section 162 Virginia Series 11-01 — Medical Plans: HRA funding Pro
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Section 163 Virginia Series 11-01 — Group Health Insurance: group master policy and certificate Pro
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Section 164 Virginia Series 11-01 — Group Health Insurance: defined group eligibility Pro
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Section 165 Virginia Series 11-01 — Group Health Insurance: experience versus community rating Pro
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Section 166 Virginia Series 11-01 — Group Health Insurance: coordination of benefits Pro
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Section 167 Virginia Series 11-01 — Group Health Insurance: no-loss no-gain principle Pro
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Section 168 Virginia Series 11-01 — Group Health Insurance: COBRA termination or reduction in hours Pro
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Section 169 Virginia Series 11-01 — Group Health Insurance: COBRA premium Pro
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Section 170 Virginia Series 11-01 — Group Health Insurance: Virginia continuation rules Pro
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Section 171 Virginia Series 11-01 — Group Health Insurance: small employer plans Pro
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Section 172 Virginia Series 11-01 — Group Health Insurance: group health termination events Pro
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Section 173 Virginia Series 11-01 — Dental Insurance: dental benefit categories Pro
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Section 174 Virginia Series 11-01 — Dental Insurance: predetermination of dental benefits Pro
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Section 175 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Medicare Part A covered services Pro
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Section 176 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Medicare Part B covered services Pro
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Section 177 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Medicare Advantage (Part C) Pro
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Section 178 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Medicare Part D prescription drug coverage Pro
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Section 179 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Original Medicare versus Medicare Advantage Pro
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Section 180 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Medicare and Medicaid coordination Pro
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Section 181 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Medigap relationship to Original Medicare Pro
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Section 182 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Federal Medigap open enrollment Pro
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Section 183 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Virginia Medigap free-look period Pro
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Section 184 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Virginia Medigap preexisting-condition limitation Pro
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Section 185 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Standardized Medigap plans Pro
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Section 186 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Virginia Medigap for Medicare beneficiaries under age 65 due to disability Pro
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Section 187 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Virginia annual Medigap birthday open enrollment Pro
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Section 188 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Virginia Medicaid eligibility determination Pro
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Section 189 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Virginia Medicaid long-term services and supports Pro
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Section 190 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Long-term care levels of care Pro
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Section 191 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Virginia long-term care benefit triggers Pro
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Section 192 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Virginia long-term care free-look period Pro
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Section 193 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Virginia long-term care preexisting conditions Pro
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Section 194 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Virginia long-term care prior hospitalization restrictions Pro
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Section 195 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Long-term care inflation protection Pro
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Section 196 Virginia Series 11-01 — Insurance for Senior Citizens and Special Needs Individuals: Virginia long-term care nonforfeiture offer Pro
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Section 197 Virginia Series 11-01 — Federal Tax Considerations for Health Insurance: Personally paid disability-income premiums and benefits Pro
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Section 198 Virginia Series 11-01 — Federal Tax Considerations for Health Insurance: Employer-paid disability-income benefits Pro
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Section 199 Virginia Series 11-01 — Federal Tax Considerations for Health Insurance: HSA, HRA, and FSA federal tax distinctions Pro
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Section 200 Virginia Series 11-01 — Federal Tax Considerations for Health Insurance: business overhead expense disability premium deductibility Pro
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