[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-573764-105":53,"doc-detail-573764-en":120},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":113,"head_meta":115,"extra_data":117,"updated_unix":119},105,"en","virginia-life-and-annuities-insurance-examination-series-11-05-exam-content-outline","Virginia Life and Annuities Insurance Examination - Series 11-05 - Exam content outline","","Virginia Life and Annuities Insurance Examination Series 11-05 outlines a two-hour, 90-question test covering insurance regulation, licensing, agent oversight, and enforcement topics such as misrepresentation, unfair trade practices, and privacy protections. It includes sections on general insurance concepts (risk, exposure, hazard, loss, handling methods), insurer and agency structures, contract fundamentals, and life insurance basics. Life coverage content covers insurable interest, underwriting, policy types, premiums, and underwriting duties including variable product rules and required application procedures.",{"@graph":63,"@context":112},[64,80,95],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":11,"@type":70,"position":76},"https://docshare.wps.com/template/presentations/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/virginia-life-and-annuities-insurance-examination-series-11-05-exam-content-outline/573764/",4,{"url":78,"name":59,"@type":81,"author":82,"headline":59,"publisher":85,"fileFormat":88,"inLanguage":57,"description":61,"dateModified":89,"datePublished":89,"encodingFormat":88,"isAccessibleForFree":90,"interactionStatistic":91},"DigitalDocument",{"name":83,"@type":84},"Jiven","Person",{"url":68,"name":86,"@type":87},"DocShare","Organization","application/pdf","2026-10-14",true,{"@type":92,"interactionType":93,"userInteractionCount":4},"InteractionCounter",{"@type":94},"ViewAction",{"@type":96,"mainEntity":97},"FAQPage",[98,104,108],{"name":99,"@type":100,"acceptedAnswer":101},"What is covered under Virginia Life and Annuities Insurance Examination Series 11-05?","Question",{"text":102,"@type":103},"The outline covers Virginia insurance regulation, licensing requirements, state regulation duties and powers, general insurance concepts, insurer types, agency rules, contract principles, and life insurance basics including underwriting and premiums.","Answer",{"name":105,"@type":100,"acceptedAnswer":106},"How are licensing topics structured in the examination outline?",{"text":107,"@type":103},"Licensing is organized into general provisions and definitions, process and types of licensees, including agents, consultants, nonresidents, business entities, and viatical settlements, followed by maintenance requirements such as duration, reporting obligations, and continuing education.",{"name":109,"@type":100,"acceptedAnswer":110},"What core life insurance subjects appear in the life insurance section?",{"text":111,"@type":103},"Life insurance topics include insurable interest, personal and business uses (survivor protection, estate creation, cash accumulation), determining coverage amounts using needs and human life value approaches, policy classes, premium factors, agent responsibilities, and insurer underwriting procedures and information sources.","https://schema.org",{"og:url":78,"og:type":114,"og:title":59,"og:site_name":86,"og:description":61},"article",{"robots":116,"canonical":78},"index,follow",{"doc_id":118,"site_id":56},573764,1791945378,{"code":4,"msg":5,"data":121},{"doc_id":118,"user_id":122,"nickname":83,"user_avatar":123,"doc_module":9,"category_id":8,"category_name":11,"doc_title":59,"doc_description":61,"doc_content":124,"file_id":125,"file_url":126,"file_type":127,"file_size":128,"view_count":4,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":129,"language":130,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":131,"faqs":132,"seo_title":133,"seo_description":61,"update_tm":119,"read_time":76},1099513958607,"https://ap-avatar.wpscdn.com/avatar/100002390cf8733938c?x-image-process=image/resize,m_fixed,w_180,h_180&k=1778829742770036399","Virginia Life and Annuities Insurance Examination  \nSeries 11-05  \n90 scored (15 pre-test) questions – Two-hour time limit  \n1.0 Insurance Regulation 17%(15 items)  \n1.1 Licensing  \nGeneral Provisions and Definitions (38.2-1800 )  \nProcess (38.2-1819)  \nTypes of licensees  \nAgents (38.2-1800.1(A), 1801, 1814–1815.1, 1817–1818, 1822(A),(B), 1824)  \nConsultants (38.2-1837–1839)  \nNonresidents (38.2-1836, 1845)  \nBusiness entities (38.2-1800.1(B), 1820, 1822(C), (D))  \nViatical Settlements (38.2-1865.1; 6000; 14VAC5-71-20)  \nExceptions (38.2-1821.1, 1822 (G))  \nMaintenance  \nDuration and termination (38.2-1825, 1826)  \nAddress and/or name changes (38.2-1826(A))  \nAssumed names (38.2-1822(E),(F))  \nRequirement to report felony convictions (38.2-1826(B))  \nRequirement to report other states actions (38.2-1826(C))  \nContinuing education (38.2-1866, 1868.1–1871)  \nAppointment procedures (38.2-1825, 1833–1834.1)  \nAgent's contract with insurer versus agent's appointment with insurer  \nAgent's appointment versus agency's appointment  \nSolicitation prior to appointment  \nAppointment requirement after becoming licensed  \nAcknowledgment of appointment/notice to agent  \nRequirement to cease solicitation  \nTermination of appointment/notice to agent  \nTermination of license without active appointment  \nDisciplinary actions  \nProbation, suspension, revocation or refusal to issue or renew (38.2-1821, 1831, 1832)  \nCease and desist order (38.2-219)  \nPenalties (38.2-218, 1823)  \n1.2 State regulation  \nState Corporation Commission's general duties and powers (38.2-200)  \nAgent regulation  \nActing for an unlicensed insurer (38.2-1802)  \nRecord retention (38.2-1809(B))  \nActivities of unlicensed individuals (38.2-1821.1(B), 1822(G); AL 2002-9)  \nPayment and sharing of commissions (38.2-1812)  \nCharging of fees (38.2-310)  \nIllegal compensation; exceptions (38.2-1812.2)  \nFiduciary capacity (38.2-1813)  \nResponsibility of trust accounts (38.2-1813)  \nUnfair trade practices  \nMisrepresentation (38.2-502, 512)  \nFalse advertising (38.2-503)  \nDefamation (38.2-504)  \nBoycott, coercion and intimidation (38.2-505)  \nNotice of Adverse Underwriting Decisions (38.2-610)  \nFalse statements and entries (38.2-506)  \nUnfair discrimination (38.2-508, 38.2-508.1, 38.2-508.2)  \nRebating (38.2-509)  \nTwisting (38.2-1831(5))  \nReferrals (38.2-1821.1 (B) 8)  \nInsurance information and privacy protection (38.2-604, 613)  \nNotice of information practices (38.2-604, 608, 609, 613; 38.2-604.1)  \n2.0 General Insurance 10%(9 items)  \n2.1 Concepts  \nRisk management key terms  \nRisk  \nExposure  \nHazard  \nPeril  \nLoss  \nMethods of handling risk  \nAvoidance  \nRetention  \nSharing  \nReduction  \nTransfer  \nElements of insurable risks  \nAdverse selection  \nLaw of large numbers  \nReinsurance  \n2.2 Insurers  \nTypes of insurers  \nStock companies  \nMutual assessment insurers  \nFraternal benefit societies  \nPrivate versus government insurers  \nAdmitted versus nonadmitted insurers  \nDomestic, foreign and alien insurers  \nFinancial status (independent rating services) and operating results  \nMarketing (distribution) systems  \n2.3 Agents and general rules of agency  \nTypes  \nCaptive  \nIndependent  \nInsurer as principal  \nAgent of insurer  \nAuthority and powers of agents  \nExpress  \nImplied  \nApparent  \nResponsibilities to the applicant/insured  \n2.4 Contracts  \nElements of a legal contract  \nOffer and acceptance  \nConsideration  \nCompetent parties  \nLegal purpose  \nDistinct characteristics of an insurance contract  \nContract of adhesion  \nAleatory contract  \nPersonal contract  \nUnilateral contract  \nConditional contract  \nLegal interpretations affecting contracts  \nAmbiguities in a contract of adhesion  \nReasonable expectations  \nIndemnity  \nUtmost good faith  \nRepresentations/misrepresentations  \nWarranties  \nConcealment  \nFraud  \nWaiver and estoppel  \n3.0 Life Insurance Basics 15%(14 items)  \n3.1 Insurable interest (38.2-301, 302, 3105)  \n3.2 Personal uses of life insurance  \nSurvivor ","cbCaiudNfq8dzsNx","https://ap.wps.com/l/cbCaiudNfq8dzsNx","pdf",135262,8,"English","# 1.0 Insurance Regulation (17%)\n## 1.1 Licensing\n## 1.2 State regulation\n# 2.0 General Insurance (10%)\n## 2.1 Concepts\n## 2.2 Insurers\n## 2.3 Agents and general rules of agency\n## 2.4 Contracts\n# 3.0 Life Insurance Basics (15%)\n## 3.1 Insurable interest\n## 3.2 Personal uses of life insurance\n## 3.3 Determining amount of personal life insurance\n## 3.4 Business uses of life insurance\n## 3.5 Classes of life insurance policies\n## 3.6 Premiums\n## 3.7 Agent responsibilities\n## 3.8 Individual underwriting by the insurer","[{\"question\":\"What is covered under Virginia Life and Annuities Insurance Examination Series 11-05?\",\"answer\":\"The outline covers Virginia insurance regulation, licensing requirements, state regulation duties and powers, general insurance concepts, insurer types, agency rules, contract principles, and life insurance basics including underwriting and premiums.\"},{\"question\":\"How are licensing topics structured in the examination outline?\",\"answer\":\"Licensing is organized into general provisions and definitions, process and types of licensees, including agents, consultants, nonresidents, business entities, and viatical settlements, followed by maintenance requirements such as duration, reporting obligations, and continuing education.\"},{\"question\":\"What core life insurance subjects appear in the life insurance section?\",\"answer\":\"Life insurance topics include insurable interest, personal and business uses (survivor protection, estate creation, cash accumulation), determining coverage amounts using needs and human life value approaches, policy classes, premium factors, agent responsibilities, and insurer underwriting procedures and information sources.\"}]","Virginia Life and Annuities Insurance Examination - Series 11-05 - Exam content outline | PDF"]