Skip to main content
Elite Training Academy
Virginia · Health

Virginia Health Producer — Exam Prep

Accident & sickness, disability, LTC, Medicare supplement, HMO — no Life or Annuities. 90-question practice exam aligned to Prometric Series 11-06.

14
Sections
99
Lessons
500+
Practice questions
70%
Passing score

What you'll learn

Every section below is aligned with the Virginia content outline.

Section 1
I. Insurance Regulation
9 lessons
+
  • Virginia Insurance Code Structure and SCC Bureau of Insurance Authority
  • Virginia Producer Licensing — Health Insurance Requirements
  • Virginia Unfair Trade and Claims Settlement Practices in Health Insurance
  • Virginia Life, Accident, and Sickness Insurance Guaranty Association — Health Coverage Limits
  • HIPAA — Privacy, Security, Portability, and Nondiscrimination
  • The ACA Marketplace and Essential Health Benefits — Metal Tiers, Premium Tax Credits, and Cost-Sharing Reductions
  • Industrial Life vs. Ordinary Life — Distribution and Premium Mechanics
  • Group Life Insurance — Master Contracts, Certificates, and Conversion
  • Credit Life Insurance — Loan-Linked Coverage and Regulatory Limits
Section 2
II. General Insurance
11 lessons
+
  • Risk Management Concepts and Elements of an Insurable Risk
  • Types of Insurers, Marketing Systems, and Agent Authority
  • Insurance Contracts — Elements, Distinct Characteristics, and Legal Doctrines
  • Family Riders — Adding Coverage for Spouse and Children
  • Required Life Policy Provisions — Insuring Clause, Free Look, Ownership, Assignment
  • Beneficiary Designations — Primary, Contingent, Revocable, and Common-Disaster Rules
  • Premium Provisions — Grace Period, Automatic Premium Loan, and Reinstatement
  • Contestability, Suicide Clause, and Common Life Exclusions
  • Settlement Options — How Death Benefit Proceeds Are Paid
  • Dividend Options on Participating Policies
  • Nonforfeiture Options — Cash Surrender, Reduced Paid-Up, Extended Term
Section 3
III. Health Insurance Basics
9 lessons
+
  • Perils, Principal Types of Losses, and Classes of Health Policies
  • Hospital Indemnity, Critical Illness, and Other Supplemental Products — Limited-Benefit Coverage Done Right
  • Agent Responsibilities and Field Underwriting in Individual Health Insurance
  • Individual Underwriting by the Insurer — Sources, Privacy, and Risk Classification
  • Risk Classification and STOLI
  • USA PATRIOT Act and AML Compliance for Life Producers
  • HIPAA, GLBA, and Privacy in Life Underwriting
  • Life Insurance Policy Delivery — Mechanics and Free-Look
  • Replacement of Life Insurance — Notice, Comparison Forms, and Producer Duties
Section 4
IV. Individual Health Insurance Policy General Provisions
7 lessons
+
  • The Insuring Clause and Covered Benefits — What Major Medical Actually Promises to Pay
  • Virginia Health Policy Provisions — Free Look, Required Clauses, Renewability
  • Pre-Existing Conditions, Pre-Authorization, and the Appeals Process — Underwriting and Utilization Management
  • Virginia Mandated Health Benefits and Accident-and-Sickness Standards
  • Income Tax Treatment of Life Insurance Proceeds
  • Estate and Gift Tax Treatment of Life Insurance
  • Modified Endowment Contracts — 7-Pay Test and Tax Consequences
Section 5
V. Disability Income and Related Insurance
9 lessons
+
  • Short-Term vs. Long-Term Disability — Product Structure, Group vs. Individual, and Employer-Sponsored Coverage
  • Definitions of Disability — Own-Occupation, Any-Occupation, Residual, and Presumptive
  • Elimination Period, Benefit Period, COLA, and the Renewability Provisions
  • Business Overhead Expense, Disability Buy-Sell, Key Person Disability, and Group Plan Structures
  • Taxation of Disability Premiums and Benefits, Social Security Disability, Workers' Compensation, and Benefit Integration
  • Fixed-Indexed Annuities — Index-Linked Crediting on a General-Account Chassis
  • Annuity Payout Options
  • Annuity Taxation — Accumulation, Withdrawals, Annuitization
  • Annuity Uses and Suitability Requirements
Section 6
VI. Medical Plans
7 lessons
+
  • Managed Care vs. Fee-for-Service — How Health Plans Organize Providers and Payment
  • Health Maintenance Organizations — Gatekeepers, Networks, and Capitation
  • PPO and POS Plans — In-Network vs. Out-of-Network Mechanics
  • EPO, Indemnity, and Supplemental Health Plan Types
  • Deductibles, Coinsurance, and Copays — How Cost-Sharing Actually Works
  • Out-of-Pocket Maximums, Annual Limits, and the MLR — How the ACA Capped Catastrophic Exposure
  • High-Deductible Health Plans and Health Savings Accounts
Section 7
VII. Group Health Insurance
6 lessons
+
  • Employer-Sponsored Group Health — Structure, Master Policy, and the ERISA Frame
  • COBRA Continuation Coverage — Triggers, Durations, Premiums, and Notices
  • ERISA and Fiduciary Rules — Scope, Preemption, SPDs, and Form 5500
  • Nondiscrimination and Section 125 — Cafeteria Plans, FSAs, and HRAs
  • Small Group, Large Group, and Self-Funded — Rating, Underwriting, and Funding Choices
  • ADA, FMLA, and Mental Health Parity — The Workplace Health-Benefits Framework
Section 8
VIII. Dental Insurance
5 lessons
+
  • Dental Insurance — Treatment Types, Indemnity Plans, and Plan Mechanics
  • Employer Group Dental — Integrated Deductibles, Adverse Selection, and Plan Design
  • PPO and POS Plans — In-Network vs. Out-of-Network Mechanics
  • High-Deductible Health Plans and Health Savings Accounts
  • EPO, Indemnity, and Supplemental Health Plan Types
Section 9
IX. Insurance for Senior Citizens and Special Needs Individuals
11 lessons
+
  • Medicare Parts A and B — Eligibility, Hospital Benefits, and Medical Benefits Under Original Medicare
  • Medicare Parts C and D — Medicare Advantage and Prescription Drug Coverage
  • Medicare Enrollment Periods and Late-Enrollment Penalties — IEP, AEP, SEP, Medigap OEP, and the Cost of Waiting
  • Medicare Supplement (Medigap) — Standardized Plans A through N, MACRA, and Guaranteed-Issue Rights
  • Virginia Continuation, Conversion, Medicare Supplement, and Long-Term Care Rules
  • Medicaid and Dual-Eligibility — The State-Administered Federal Program and Its Coordination with Medicare
  • LTC Basics — ADLs, Cognitive Impairment, and the Levels of Care
  • Benefit Amounts, Elimination Periods, and Benefit Periods — How an LTC Policy Pays
  • Tax-Qualified vs. Non-Tax-Qualified LTC — HIPAA, IRC §7702B, and the Benefit Triggers
  • LTC Riders and Inflation Protection — Keeping the Benefit Whole Over a 30-Year Horizon
  • Hybrid Life/LTC, Annuity/LTC Combinations, and the Partnership for Long-Term Care
Section 10
X. Federal Tax Considerations for Health Insurance
5 lessons
+
  • Section 125 Cafeteria Plans — POPs, FSAs, and the Mid-Year Election Rules
  • HSA Eligibility and Contribution Limits — IRC §223 in Practice
  • Elimination Period, Benefit Period, COLA, and the Renewability Provisions
  • Business Overhead Expense, Disability Buy-Sell, Key Person Disability, and Group Plan Structures
  • Taxation of Disability Premiums and Benefits, Social Security Disability, Workers' Compensation, and Benefit Integration
Section 11
XI. Long-Term Care Insurance
5 lessons
+
  • LTC Basics — ADLs, Cognitive Impairment, and the Levels of Care
  • Tax-Qualified vs. Non-Tax-Qualified LTC — HIPAA, IRC §7702B, and the Benefit Triggers
  • Benefit Amounts, Elimination Periods, and Benefit Periods — How an LTC Policy Pays
  • LTC Riders and Inflation Protection — Keeping the Benefit Whole Over a 30-Year Horizon
  • Hybrid Life/LTC, Annuity/LTC Combinations, and the Partnership for Long-Term Care
Section 12
XII. Group Health Insurance
5 lessons
+
  • Employer-Sponsored Group Health — Structure, Master Policy, and the ERISA Frame
  • COBRA Continuation Coverage — Triggers, Durations, Premiums, and Notices
  • ERISA and Fiduciary Rules — Scope, Preemption, SPDs, and Form 5500
  • Nondiscrimination and Section 125 — Cafeteria Plans, FSAs, and HRAs
  • Small Group, Large Group, and Self-Funded — Rating, Underwriting, and Funding Choices
Section 13
XIII. Medicare and Medicare Supplement
5 lessons
+
  • Medicare Parts A and B — Eligibility, Hospital Benefits, and Medical Benefits Under Original Medicare
  • Medicare Parts C and D — Medicare Advantage and Prescription Drug Coverage
  • Medicare Supplement (Medigap) — Standardized Plans A through N, MACRA, and Guaranteed-Issue Rights
  • Medicaid and Dual-Eligibility — The State-Administered Federal Program and Its Coordination with Medicare
  • Medicare Enrollment Periods and Late-Enrollment Penalties — IEP, AEP, SEP, Medigap OEP, and the Cost of Waiting
Section 14
XIV. ACA and Federal Health Regulation
5 lessons
+
  • The ACA Marketplace and Essential Health Benefits — Metal Tiers, Premium Tax Credits, and Cost-Sharing Reductions
  • HIPAA — Privacy, Security, Portability, and Nondiscrimination
  • ADA, FMLA, and Mental Health Parity — The Workplace Health-Benefits Framework
  • Section 125 Cafeteria Plans — POPs, FSAs, and the Mid-Year Election Rules
  • HSA Eligibility and Contribution Limits — IRC §223 in Practice

How it works

1

Enroll

One-time payment of $49.99. Secure checkout powered by Stripe.

2

Study on your schedule

Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.

3

Pass the real exam

Take the official Virginia exam with confidence. Most students finish the course in 2-4 weeks of casual study.

FAQ

How long is the Virginia Health licensing exam?+
The Virginia Health licensing exam typically runs 90 scored questions. You will have roughly 2-2.5 hours of seat time at the test center, and a passing score is 70%.
Does Virginia require state-approved pre-licensing education?+
Virginia does not require state-approved pre-licensing education for this line. You can study independently with this course and sit for the exam directly -- no separate PLE certificate is required.
How many practice questions does this course include?+
This course includes 500+ practice questions across section quizzes and a full-length 90-question final exam simulator that mirrors the real Virginia Health exam format. You can retake every quiz as many times as you want -- there is no cap.
How long do I have access to the course?+
Lifetime. After purchase you are enrolled immediately and can log in from any device -- laptop, tablet, or phone. Your progress syncs automatically and access never expires.
What if I fail the real Virginia exam?+
You can reschedule and retake the real exam through your state's testing vendor (typically Pearson VUE or PSI) -- you will pay the exam fee again. Your course access stays with you the whole time, so you can review the sections you missed and try again. Most students who fail on the first attempt pass on the second after a focused review of the weakest section.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.

Ready to start studying?

Enroll once, keep access forever, pass your exam with confidence.

$49.99 · 7-day money-back · Lifetime access