Key Takeaways
- Virginia has NO mandatory pre-licensing education requirement for Life & Health insurance
- The exam is administered by Prometric with a 70% passing score required
- After third exam failure, Virginia requires a 30-day waiting period
- Virginia Bureau of Insurance regulates all insurance activities under Virginia Code Title 38.2
- License renewal requires 16 hours of CE every 2 years
Virginia Life & Health Insurance Exam
Welcome to the Virginia Life & Health Insurance Exam study guide. This comprehensive resource covers Virginia-specific insurance laws, regulations, and practices required for your state licensing exam.
About Virginia's Life & Health License
Virginia requires insurance producers to pass the Life and Health examination to sell life and health insurance products in the state. The license is regulated by the Virginia Bureau of Insurance (part of the State Corporation Commission), which oversees all insurance activities in Virginia under Virginia Code Title 38.2.
What This Exam Covers
This guide focuses exclusively on Virginia state law and regulations:
- Virginia Bureau of Insurance structure and authority
- State licensing requirements and procedures
- Virginia Code Title 38.2 provisions
- Life insurance laws and policy requirements in Virginia
- Health insurance regulations specific to Virginia
- State consumer protections and disclosures
- Virginia-specific policy provisions and endorsements
- Ethics and professional conduct under Virginia law
national Life & Health exam preparationFree exam prep with practice questions & AI tutor
Exam Structure
| Exam Detail | Requirement |
|---|---|
| Passing Score | 70% |
| Format | Multiple choice, computer-based |
| Test Provider | Prometric |
| Exam Fee | $35 |
Pre-License Education Requirements
Virginia has NO mandatory pre-licensing education requirement:
- No required classroom hours
- No mandated online courses
- Studying for your exam is 100% up to you
Recommended Preparation
Although not required, successful candidates typically:
- Complete a comprehensive study course
- Study 40-60 hours of exam content
- Take multiple practice exams
- Review Virginia insurance laws thoroughly
Exam Registration
Schedule your exam with Prometric:
- Online: prometric.com
- Phone: (866) 891-6396
- Options: Physical testing center or remote testing using ProProctor application
Exam Day Requirements
On exam day, you must bring:
- Two valid forms of government-issued ID (driver's license, passport, military ID)
- One ID must contain a photograph AND a signature
You will NOT be able to take the exam without these requirements.
Retake Policy
Virginia has specific waiting periods after failed attempts:
| Attempt | Waiting Period |
|---|---|
| First Failure | 24 hours |
| Second Failure | 24 hours |
| Third and Subsequent Failures | 30 calendar days |
Fingerprinting Requirements
Virginia requires fingerprint-based background check:
| Requirement | Details |
|---|---|
| Provider | Fieldprint |
| Fee | $35.72 |
| Purpose | Background check for license application |
License Application Process
After passing the exam:
- Pass Exam: Complete exam with Prometric
- Submit Application: Through Vertafore/Sircon
- Complete Background Check: Fingerprinting through Fieldprint
- Pay Application Fee: $15
- License Issued: After Bureau review
Estimated Total Costs
| Item | Cost |
|---|---|
| Pre-license Education (optional) | $149+ |
| Exam Fee | $35 |
| Fingerprint Background Check | $35.72 |
| Application Fee | $15 |
Continuing Education Requirements
To maintain your Virginia Life & Health license:
| Requirement | Details |
|---|---|
| Total Hours | 16 hours every 2 years |
| Renewal Cycle | Every 2 years |
Note: Virginia requires fewer CE hours (16) than many other states (typically 24).
Virginia Bureau of Insurance
The Bureau of Insurance regulates insurance in Virginia as part of the State Corporation Commission:
Contact Information
- Website: scc.virginia.gov/pages/Bureau-of-Insurance
- Phone: (804) 371-9741
- Address: P.O. Box 1157, Richmond, VA 23218
What This Study Guide Covers
This guide is organized into the following chapters:
- Chapter 1: Virginia Insurance Regulation & Licensing
- Chapter 2: Virginia Life Insurance Laws
- Chapter 3: Virginia Health Insurance Laws
- Chapter 4: Virginia Policy Provisions & Consumer Protections
- Chapter 5: Ethics & Professional Conduct
- Chapter 6: Virginia Guaranty Associations & Special Programs
Work through each chapter systematically, complete all practice questions, and review key takeaways until you can recall them confidently.
Study Recommendations
Timeline
6-8 Weeks Before Exam:
- Begin studying Virginia insurance law and Virginia Code Title 38.2
- Review national Life & Health concepts
- Take diagnostic practice tests
4 Weeks Before Exam:
- Focus on weak areas identified
- Complete practice quizzes daily
- Memorize key Virginia requirements
2 Weeks Before Exam:
- Take full-length practice exams
- Review Virginia-specific regulations
- Schedule your exam with Prometric
1 Week Before Exam:
- Final review of key topics
- Focus on Virginia laws and rules
- Get adequate rest
Test-Taking Tips
Before the Exam
- Schedule exam with Prometric online or by phone
- Choose in-person or remote testing (ProProctor)
- Arrive early at the test center (if in-person)
- Bring TWO valid forms of government-issued ID
- One ID must have photo AND signature
During the Exam
- Read carefully: Every word matters
- Watch for negatives: "NOT", "EXCEPT", "LEAST"
- Eliminate wrong answers: Narrow choices
- Flag difficult questions: Return later
- Manage time: Monitor your pace
- Don't overthink: Trust your preparation
After the Exam
- Results provided immediately
- Passing: Complete application through Vertafore/Sircon
- Failing: Wait required period (24 hours or 30 days after 3rd failure), then reschedule
Disclaimer: This study guide is for educational purposes only and does not guarantee exam success. Always verify current regulations with the Virginia Bureau of Insurance, as laws and requirements may change.
Does Virginia require pre-licensing education before taking the Life & Health insurance exam?
What is the waiting period after failing the Virginia insurance exam for the third time?
What is the passing score for Virginia insurance licensing exams?
How many hours of continuing education does Virginia require for license renewal?
What identification must you bring to your Virginia insurance licensing exam?