Virginia Life & Health Insurance License Exam Guide (2026)
Virginia is the only state in this guide whose exams are delivered by Prometric rather than PSI or Pearson VUE — which matters operationally, since registration, test centers and remote options all run on Prometric’s platform. Virginia requires no pre-licensing education.
The only top-16 state delivered by Prometric — registration, test centers and remote options all run on Prometric’s platform.
At a glance
Verified against official sources as of 2026-09-02. Question formats and fees change — always confirm details in the current official candidate handbook (linked below) before scheduling.
Exam format, question counts and fees
| Exam | Scored | Unscored (pretest) | Time limit | Passing score | Fee |
|---|---|---|---|---|---|
| Life Insurance (Life-Only) | 90 | 15 unscored | 120 min | 70% (not officially published) | $35 |
| Accident & Health | 90 | 15 unscored | 120 min | 70% (not officially published) | $35 |
| Life, Accident & Health (Combined) | 140 | 10 unscored | 150 min | 70% (not officially published) | $35 |
Unscored pretest questions are mixed in with scored questions and are not identified. Where a state reports a scaled score, the passing value is not a percentage of questions answered correctly.
What the official 2024 pass-rate data says
In 2024, the first-attempt pass rate for Virginia insurance exams (all lines) was 60.1%.
Nationwide, the overall first-attempt pass rate for state insurance licensing exams was 59.4% in 2024 (all lines).
Pre-licensing education in Virginia
Virginia mandates no pre-licensing education for Life & Health lines (a 16-hour course exception exists only for the Title line, Va. Code §38.2-1814.1). You may register directly with Prometric for the exam.
If you fail: retake rules
A failed candidate must wait 24 hours to rebook; after three failed attempts, a 30-day wait applies (Va. Code §38.2-1817).
Total cost to get licensed
- Exam fee: $35 per attempt (Prometric) — among the cheapest in the top 16
- License application: $15 per qualification
- Fingerprints: $34.95
Practice the national core — free
Roughly 70–80% of every state’s L&H exam is national content: policy types, contract law, annuities, tax treatment, Medicare, PPACA, LTC. Our national core question bank covers exactly that layer — 2,180 questions, every one free with a 3-part explanation, no account required. Virginia state-specific drills ship as we build each state’s question bank.
Try a national-core question right now
Free forever — click a question, answer it, and read the full 3-part explanation.
- In a group life insurance arrangement, the 'master policy' is:Answer free →Beneficiaries·Difficulty 1/5·National content
- Which statement correctly contrasts beneficiary designation in group life insurance versus an ind…Answer free →Beneficiaries·Difficulty 2/5·National content
- Which statement correctly compares how a partial withdrawal from a non-MEC life insurance policy …Answer free →Taxation·Difficulty 3/5·National content
National-core practice domains
The nationally reusable layer of the Virginia exam — organized by official content domain.
Frequently asked questions
How many questions are on the Virginia life and health insurance exam?
Scored question counts by exam: Life Insurance (Life-Only) — 90 scored questions (plus 15 unscored); Accident & Health — 90 scored questions (plus 15 unscored); Life, Accident & Health (Combined) — 140 scored questions (plus 10 unscored). Unscored pretest questions may be mixed in and are not identified.
How long is the Virginia insurance licensing exam?
Time limits by exam: Life Insurance (Life-Only) — 120 minutes; Accident & Health — 120 minutes; Life, Accident & Health (Combined) — 150 minutes.
What score do you need to pass the Virginia exam?
Passing scores by exam: Life Insurance (Life-Only) — 70% (not officially published); Accident & Health — 70% (not officially published); Life, Accident & Health (Combined) — 70% (not officially published). The figures come from the current official candidate handbook.
How much does the Virginia insurance exam cost?
Current exam fees: Life Insurance (Life-Only) — $35; Accident & Health — $35; Life, Accident & Health (Combined) — $35. Fees are paid at registration and are generally non-refundable.
Does Virginia require pre-licensing education for a life & health license?
No. Virginia mandates no pre-licensing education for Life & Health lines (a 16-hour course exception exists only for the Title line, Va. Code §38.2-1814.1).
What happens if I fail the Virginia insurance exam?
A failed candidate must wait 24 hours to rebook; after three failed attempts, a 30-day wait applies (Va. See the retake section above for the full policy.
The optional $49 Exam Engine (one-time) adds unlimited randomized practice, full exam simulations, timed quizzes and a wrong-answer book around the national core plus California state law — other states’ drills ship as their banks are built.
Official sources for this page
- https://www.prometric.com/virginia/insurance
- https://www.prometric.com/files/virginia/INSVA-CIB-FINAL.pdf
- https://www.prometric.com/files/virginia/1101-Life-and-Health-Insurance.pdf
- https://www.prometric.com/files/virginia/1105-Life-and-Annuities-Insurance.pdf
- https://www.prometric.com/files/virginia/1106-Health-Insurance.pdf
- https://www.scc.virginia.gov/pages/Applying-for-a-Individual-VA-Insurance-License
- https://www.scc.virginia.gov/pages/Application-Fees
- https://law.lis.virginia.gov/vacode/title38.2/chapter18/article3/section38.2-1817/
This page is maintained by PassSprint. Data current as of 2026-09-02; report discrepancies to us and we will re-verify against the official document.
L&H exam guides by state
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