Virginia Life & Health
Insurance Exam
Don't leave your insurance license to chance. Join 25K+ students using our state-specific question bank to pass the Life-only, Health-only and Life & Health exam. Same format, same difficulty, same tricky answer choices.
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How to Pass the VA Prometric Insurance Licensing Exam
Passing the Virginia Life, Accident & Health insurance exam requires mastering life insurance, health insurance, annuities, and Virginia-specific regulations from the Bureau of Insurance (SCC). Our comprehensive study system helps you prepare with realistic practice questions and detailed explanations aligned with the Prometric exam format.
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Life, Accident & Health insurance license in Virginia must pass this state licensing exam administered by Prometric.
Pre-Licensing Requirements
You must be 18+, complete pre-licensing education requirements, and submit any required documentation before your Virginia insurance license can be issued.
Local Testing Centers
Take your Prometric exam in-person at authorized testing locations across Virginia, including:
Official Licensing Resources
Access official state contacts, exam guides, and scheduling portals:
Master Your Virginia Insurance Licensing Exam
Learn from expert insights and avoid the most common pitfalls that trip up test-takers in Virginia, and master key terms in our Glossary.
Study Tips
Expert strategies for success
Focus on Virginia Insurance Code
Virginia has unique regulations that differ from other states. Pay special attention to Bureau of Insurance rules on licensing, unfair trade practices, and the Guaranty Association.
Master annuity concepts thoroughly
Annuities are heavily tested. Understand the differences between fixed, variable, and indexed annuities, as well as surrender charges, suitability requirements, and tax implications.
Practice with exam-style questions
The Virginia insurance exam uses scenario-based multiple choice questions. Practice with realistic questions to build familiarity with the Prometric exam format.
Study life and health insurance together
The combined exam covers both lines. Aim for consistently scoring 80% or higher on practice tests before taking the real exam to ensure a comfortable margin above the 70% pass threshold.
Common Mistakes
Pitfalls to avoid on test day
Virginia replacement regulations
Virginia has stringent rules on replacing life insurance, requiring proper notice to the applicant and existing insurers to protect the consumer.
Grace period differences between life and health
Candidates often confuse the standard 30-day grace period for life insurance with the 7, 10, or 31-day grace periods for health policies depending on premium frequency.
Annuity taxation rules
Many test-takers confuse the tax treatment of qualified vs. non-qualified annuities, and the LIFO vs. FIFO rules for withdrawals from non-qualified annuities.
Free-look period specifics
Virginia mandates a standard 10-day free-look period for most policies, but longer periods for seniors or replacement policies. Candidates often miss these distinctions.
Ready to put these tips into practice?
Start with our free practice questions and see how you perform, then upgrade to access our complete study system.
Free VA Insurance Exam Practice PDF
Download our comprehensive practice test with 50 Virginia-specific insurance exam questions with answers. Perfect for offline study!
Instant download • No email required • Updated for 2026
Free VA Cram Cheat Sheet & Guide
Access our comprehensive study cheat sheet covering essential Virginia insurance licensing timelines, grace periods, and exam metrics.
Your Questions Answered
Quick answers to the most common questions about the Virginia insurance licensing exam
How many questions are on the Virginia insurance exam?
The combined Virginia Life, Annuities and Health insurance exam generally contains around 150 questions. You have 2 hours and 30 minutes to complete the combined exam.
What is the passing score for the Virginia insurance exam?
To pass the Virginia insurance licensing exam, you must achieve a score of 70% or higher.
How much does the Virginia insurance exam cost?
The exam fee is $35 per attempt, paid directly to Prometric when you schedule.
How long do I have to complete the Virginia insurance exam?
You have 2 hours and 30 minutes to complete the combined Life and Health exam in Virginia.
What happens if I fail the Virginia insurance exam?
If you fail the exam, you must wait 24 hours before scheduling a re-examination. If you fail the exam three times, Virginia law requires a 30-calendar day waiting period before you can test again.
Do I need pre-licensing education for a Virginia insurance license?
No, Virginia does not mandate any pre-licensing education hours. However, taking a comprehensive study program or practice tests is highly recommended to pass.
Who administers the Virginia insurance exam?
The Virginia insurance exams are administered by Prometric.
How long does it take to get a Virginia insurance license?
Once you pass the exam, submit your fingerprints to Fieldprint, and apply online, the Bureau of Insurance typically processes the license application within a few days to a couple of weeks, provided there are no background issues.
Your First Step to Getting Licensed
Questions are manually curated by our content team using official Virginia Bureau of Insurance exam outlines and study materials. We adhere to strict Editorial Standards to ensure accuracy. Each question covers topics from the Life, Accident & Health exam — so you practice with questions that closely mirror the actual Prometric licensing exam.
Life Insurance
315 questions
Health Insurance
314 questions
General Insurance
165 questions
Annuities
147 questions
VA Law & Ethics
145 questions
Free Full-Length Line Practice Exams (25 Qs Each)
Life & Annuities Practice Exams
Realistic practice tests covering general principles, policy provisions, riders, annuities, and Virginia life insurance laws.
Accident & Health Practice Exams
Realistic practice tests covering medical expense plans, disability income, Medicare, and Virginia health insurance laws.
Flashcards
500+ Flashcards
Full Question Bank
1050+ exam-like questions
Hard Questions
Tricky questions people miss
Built for One Goal: Pass the Insurance Exam on Your First Try
Practice what the exam actually tests — life, health, annuities, and Virginia state law.
3 Full-Length Practice Tests Included
Get instant access to our printable 450-question practice exam book. Includes 3 complete Life & Health insurance practice tests — each with a 75-question Life section and a 75-question Health section — plus detailed answer keys with explanations. Perfect for timed practice sessions that mirror the real exam.
