Key Takeaways
- Virginia does not require pre-license education but strongly recommends completing a prep course
- Prometric administers Virginia insurance exams at testing centers and via remote proctoring (ProProctor)
- The Virginia Life & Health exam requires a 70% passing score
- All applicants must submit a Criminal History Record Report (CHRR) from Virginia State Police
- License applications must be submitted within 12 months of passing the exam
Virginia Producer Licensing Requirements
Virginia has specific requirements for obtaining a Life & Health insurance producer license. Notably, Virginia does not require pre-license education.
Pre-License Education
Virginia does not require pre-license education for insurance licenses:
- No mandatory classroom hours
- No specific courses required
- However, preparation courses are strongly recommended
- Most candidates complete 20-40 hours of study
- Many exam prep providers offer Virginia-specific courses
Exam Tip: Virginia is one of the states that does not require pre-license education. However, the exam still requires substantial preparation to pass.
Examination Requirements
The Virginia Life & Health examination:
| Exam Detail | Requirement |
|---|---|
| Testing Provider | Prometric |
| Passing Score | 70% |
| Remote Testing | Available via ProProctor |
| Exam Fee | Approximately $44 |
| Results | Immediate (at testing center) |
| Retake Policy | No waiting period, pay new fee |
Exam Content Areas
| Content Area | Topics Covered |
|---|---|
| General Insurance | Basic concepts and terminology |
| Life Insurance | Types, provisions, underwriting |
| Annuities | Fixed, variable, indexed products |
| Health Insurance | Types, provisions, benefits |
| Virginia Laws | State-specific regulations |
Examination Options
Testing Center
- Multiple Prometric locations across Virginia
- Computer-based testing
- Photo ID required
- Results provided immediately
Remote Proctoring (ProProctor)
Virginia allows remote proctored exams:
- Take the exam from home or office
- Webcam and microphone required
- Secure browser installed
- Government-issued photo ID required
- Same exam as testing center
Background Check Requirements
Virginia requires a Criminal History Record Report (CHRR) for all license applicants:
CHRR Process
| Step | Requirement |
|---|---|
| Where | Virginia State Police |
| Method | Fingerprint submission |
| Cost | Approximately $52 |
| Validity | 180 days |
| Timing | Before or after exam |
Disqualifying Factors
The Bureau of Insurance considers criminal history when evaluating applications:
- Felony convictions
- Crimes involving fraud, dishonesty, or breach of trust
- Insurance-related offenses
- Recent criminal activity
Note: A criminal record does not automatically disqualify an applicant. The Bureau considers the nature of the offense, time elapsed, and evidence of rehabilitation.
License Application
After passing the exam:
Timeline
- Must submit application within 12 months of passing exam
- If you wait longer, you must retake the exam
- Application processed through NIPR or state system
Required Documents
| Document | Purpose |
|---|---|
| Application | Personal and business information |
| CHRR | Criminal history check |
| Exam Score | Proof of passing |
| Fee | Application fee |
License Types and Authority
| License Type | What You Can Sell |
|---|---|
| Life Insurance | Life insurance and annuities |
| Health Insurance | Accident and sickness insurance |
| Life and Health | All life and health products |
| Variable Products | Requires securities license |
Appointments
After obtaining a license:
- Must be appointed by an insurer to sell their products
- Appointment filed with the Bureau
- Can hold multiple appointments
- Insurers pay appointment fees
Who administers insurance licensing exams in Virginia?
What is the passing score for Virginia insurance licensing exams?
What criminal history report is required for Virginia insurance license applicants?