The Old Dominion State Insurance Licensing Guide
Getting a Virginia insurance license is the first official step toward building a career as an insurance producer in the Old Dominion. Whether you want to sell life insurance, health insurance, annuities, auto insurance, homeowners insurance, commercial coverage, or other insurance products, Virginia has a structured licensing process you must follow before you can legally transact insurance.
The good news is that the process is very manageable when you understand the steps. In Virginia, most major insurance producer license types require you to pass a state licensing exam, submit an application, complete fingerprinting, and receive approval from the Virginia State Corporation Commission Bureau of Insurance.
The more important truth? Passing the exam is usually the biggest hurdle.
Virginia uses Prometric as its insurance licensing exam vendor, which means your study plan should be built around the way Prometric writes and structures questions. Generic insurance study material may help you learn definitions, but it may not prepare you for the actual rhythm, wording, and topic emphasis of the Virginia exam.
TESTivity’s Virginia-specific insurance exam prep tools are built from the ground up with Virginia in mind. That means your study manual, practice questions, exam simulator, flashcards, audio course, video instruction, mind maps, learning games, cheat sheet, and AI Tutor are designed to help you prepare for the exam you are actually going to face, not a generic insurance quiz in a borrowed costume.
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Quick Facts About Getting a Virginia Insurance License
| Requirement | Virginia Licensing Detail |
|---|---|
| State licensing authority | Virginia State Corporation Commission Bureau of Insurance |
| Testing vendor | Prometric |
| Major resident producer exams | Life & Annuities, Health, Life/Annuities/Health, Property & Casualty, Personal Lines, Title |
| Prelicensing education | Not listed as required for standard Life, Health, or Property & Casualty producer applicants; Title applicants have a separate 16-hour requirement |
| Application method | Online through Sircon or NIPR |
| Resident fingerprinting | Required for new resident insurance license applicants |
| Fingerprint vendor | Fieldprint |
| Fingerprint fee | $34.95 |
| Application fee | $15 per qualification per application |
| Renewal fee | $10 per line of authority |
| CE requirement | 16 or 24 hours depending on license mix, including 3 ethics hours |
Virginia’s Bureau of Insurance states that applicants who are required to pass an exam must pass the appropriate licensing exam before applying, and resident applicants apply online through Sircon or NIPR. The SCC also lists fingerprinting requirements for individuals applying for a resident insurance license.
How to Get an Insurance License in Virginia
The exact steps depend on the license type you want, but most Virginia resident producer applicants follow the same general path.
Step 1: Choose the Virginia Insurance License Type You Need
Before you begin studying, decide which license type matches the insurance products you want to sell.
Common Virginia insurance license options include:
- Life and Annuities
- Health
- Life, Annuities, and Health
- Property and Casualty
- Personal Lines
- Title
- Public Adjuster
For many new agents, the two most common paths are:
- Life and Health, for applicants who want to sell life insurance, annuities, health insurance, Medicare-related products, disability income, and similar products.
- Property and Casualty, for applicants who want to sell auto, homeowners, renters, commercial property, liability, workers compensation, and related insurance products.
Virginia also has a Personal Lines license, but the Virginia licensing bulletin notes that Property and Casualty includes Personal Lines, so applicants should be careful not to apply for both unnecessarily.
For a deeper dive into those specific paths, use these related guides:
- How to Get a Property and Casualty Insurance License in Virginia
- How to Get a Life and Health Insurance License in Virginia
- How to Pass the Insurance Licensing Exam in Virginia
Step 2: Prepare for the Virginia Prometric Insurance Exam
Virginia insurance licensing exams are administered by Prometric. Prometric provides the Virginia insurance testing portal, license information bulletin, and exam content outlines for Virginia candidates.
This matters more than many students realize.
The worst thing you can do is prepare with study material that does not look, feel, or behave like the exam you will actually see at the testing center. Over the past 20+ years, TESTivity has learned that Prometric exams do not feel exactly like Pearson VUE exams, Pearson VUE exams do not feel exactly like PSI exams, and generic test prep often misses the subtle patterns that matter on exam day.
A good Virginia insurance exam prep plan should help you:
- Understand Virginia-specific insurance laws and regulations
- Learn the national insurance concepts tested on your exam
- Practice applied multiple-choice questions
- Build confidence with Prometric-style wording
- Identify weak areas before exam day
- Take timed practice exams that mimic the testing experience
That is why TESTivity’s Virginia study tools are state specific. The Virginia Exam Simulator is designed to help students practice questions that better reflect the structure, rhythm, and recurring traps of the Virginia Prometric exam.
Why Exam Prep Matters in Virginia
Virginia gives candidates flexibility by not requiring mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The Virginia insurance exam is a content-heavy multiple-choice exam. You are not just memorizing definitions. You need to recognize policy language, understand how coverages work, identify exclusions and conditions, and apply insurance law to exam-style scenarios.
That is why TESTivity uses a multi-tool study system instead of relying on one flat textbook.
The TESTivity Platinum Study Package includes:
Step 3: Pass the Required Virginia Insurance Licensing Exam
After choosing your license type and preparing for the exam, you will schedule your licensing exam through Prometric.
Prometric lists several Virginia insurance exam series, including:
| Exam | Prometric Series |
|---|---|
| VA Life & Annuities / Health | 11-01 |
| VA Property & Casualty | 11-03 |
| VA Title | 11-04 |
| VA Life & Annuities | 11-05 |
| VA Health | 11-06 |
| VA Personal Lines | 11-07 |
| VA Public Adjuster | 11-08 |
Prometric directs Virginia candidates to review the test content outlines before taking the exam. Those outlines show the subject areas that can appear on the test and help students understand how the exam is weighted.
The Virginia licensing bulletin also explains that the content outlines show the relative weight assigned to each exam section, which means students should not treat every topic as equally important.
Virginia Insurance Exam Details
Virginia’s major producer exams are state-specific and administered through Prometric. Here are two of the most common exam paths.
Virginia Life, Annuities, and Health Exam
The Virginia Life, Annuities, and Health exam is commonly used by applicants who want authority to sell life insurance, annuities, and health insurance products.
The Prometric Virginia exam information identifies VA Life & Annuities / Health as Series 11-01.
This exam can include topics such as:
- Virginia insurance regulation
- General insurance concepts
- Life insurance basics
- Life policies
- Policy provisions, options, and riders
- Annuities
- Federal tax considerations
- Health insurance basics
- Disability income insurance
- Medical plans
- Group health insurance
- Insurance for senior citizens and special needs individuals
Virginia Property and Casualty Exam
The Virginia Property and Casualty exam is commonly used by applicants who want to sell property, liability, auto, homeowners, commercial, and related insurance products.
The Prometric Virginia exam information identifies VA Property & Casualty as Series 11-03.
This exam can include topics such as:
- Virginia insurance regulation
- General insurance concepts
- Property and casualty insurance basics
- Dwelling policies
- Homeowners policies
- Auto insurance
- Commercial package policies
- Businessowners policies
- State-specific rules and insurance laws
For a more detailed exam strategy, visit How to Pass the Insurance Licensing Exam in Virginia.
Step 4: Apply for Your Virginia Insurance License
After passing the required exam, you must apply for your license online.
Virginia resident applicants can apply through:
- Sircon
- NIPR
The Virginia SCC says the Bureau normally processes a complete application within 15 business days, though applications involving misdemeanor or felony convictions may require 30 to 60 business days. The Bureau may close an application if required documentation is not submitted within 30 calendar days.
Virginia’s application fee is generally $15 per qualification per application for exam-required producer license qualifications.
This is one of those details that sounds small until it becomes an avoidable delay. Before submitting your application, make sure your exam information, selected license type, background questions, and required documents are accurate.
Step 5: Complete Fingerprinting and Background Check Requirements
Virginia requires individuals applying for a resident insurance license to be fingerprinted. Fingerprinting is completed through Fieldprint using live scan technology, and the results are transmitted for background check review.
The SCC lists the fingerprinting cost as $34.95, which includes Virginia State Police and FBI fees. Fingerprints must be no older than 90 days for use with an application.
Virginia resident producer applicants should use the appropriate Fieldprint process and make sure their fingerprint timing lines up with their application. If fingerprints expire before the application is processed, that can create a paperwork gremlin nobody invited to the party.
Virginia Insurance License Fees
Virginia’s insurance licensing costs are relatively straightforward, but you should budget for testing, application, fingerprinting, and renewal.
| Item | Fee |
|---|---|
| Resident license application fee | $15 per qualification per application |
| Fingerprinting fee | $34.95 |
| Renewal fee | $10 per line of authority |
| Reinstatement | Renewal fee plus additional reinstatement fee if applicable |
The Virginia SCC lists a non-refundable $15 per qualification per application processing fee for exam-required license qualifications.
For renewals, Virginia lists the renewal fee as $10 per line of authority, and Sircon also notes that renewal notices are emailed 90 days before license expiration.
Exam fees may vary by exam type and vendor rules, so candidates should confirm current Prometric fees when scheduling.
Does Virginia Require Prelicensing Education?
Virginia does not list a state-mandated prelicensing education requirement for standard resident Life, Health, or Property and Casualty producer applicants on its individual licensing application page. However, Virginia does require applicants to pass the appropriate licensing exam when an exam is required for that license type.
There is an important exception: Title applicants have a separate 16-hour prelicensing course requirement listed by the SCC.
Even when prelicensing education is not mandated, serious exam prep still matters. Not being required to sit through a state-approved prelicensing course does not mean the exam is easy. It simply means the responsibility for choosing effective study material falls on you.
That is where Virginia-specific TESTivity tools can help. Instead of studying from one-size-fits-all material, you can prepare with tools designed around Virginia’s exam structure, Prometric-style questions, and the state-specific rules that can appear on exam day.
Virginia Insurance License Renewal and Continuing Education
Virginia individual insurance license renewals are based on the licensee’s birth month and odd or even year of birth. The SCC notes that individual license renewals are based on the end of the birth month and odd/even year-of-birth schedule.
Virginia resident agents must also complete continuing education before renewal.
Virginia CE requirements include:
| License Situation | CE Requirement |
|---|---|
| One license type | 16 credit hours |
| Life & Annuities plus Health | 16 credit hours |
| Two or more license types | 24 credit hours |
| Ethics requirement | At least 3 ethics hours |
The SCC states that resident agents holding one license type, or holding both Life & Annuities and Health, must complete 16 credit hours of CE. Resident agents holding two or more license types must complete 24 credit hours, with at least 8 hours applicable to each license type held.
Resident agents must also complete at least 3 hours of Ethics during the renewal cycle.
Virginia-Specific Licensing Quirks to Know
Virginia has a few state-specific details that applicants should keep in mind.
Virginia Uses Prometric
This is a big deal for exam prep. Prometric has its own testing style, question structure, exam outline format, and candidate process. If you are studying with generic material that was not designed around Virginia and Prometric, you may be practicing in the wrong weather.
Property and Casualty Includes Personal Lines
Virginia’s licensing bulletin notes that Property and Casualty includes Personal Lines. Applicants should avoid applying for both unless they have a specific reason to do so.
Fingerprints Must Be Timed Correctly
Resident applicants must complete fingerprinting through Fieldprint, and fingerprints must be no older than 90 days for use with an application.
Renewal Is Based on Birth Month and Birth Year
Virginia does not use one universal renewal date for every insurance producer. Individual license renewal timing is based on the end of the licensee’s birth month and odd/even year-of-birth schedule.
Title Is Different
Standard Life, Health, and P&C producer applicants do not appear to have a Virginia prelicensing education requirement listed by the SCC, but Title applicants do have a 16-hour prelicensing course requirement.
Why Virginia Insurance Exam Prep Should Be State Specific
A Virginia insurance license starts with understanding the state process, but it is usually won or lost during exam prep.
Many students make the mistake of assuming all insurance licensing exams are basically the same. They are not.
A Prometric exam has a different feel than a Pearson VUE exam. A PSI exam has a different rhythm than Prometric. Even when the broad insurance concepts overlap, the way questions are worded, the way answer choices are built, and the way topics are emphasized can vary from one testing vendor to another.
That is why TESTivity builds state-specific insurance exam prep tools and packages.
TESTivity’s Virginia materials are designed for Virginia applicants, not recycled from a generic national course with a state name stapled to the cover. Our tools help students prepare for both the insurance concepts and the Virginia/Prometric testing experience.
With TESTivity, Virginia students can use:
- Virginia Insurance Exam Study Guide / Study Manual
- Virginia Insurance Exam Practice Questions / Exam Simulator
- Insurance Exam Flashcards
- Insurance Exam Audio Course
- Insurance Exam Video Course
- AI Insurance Exam Tutor
- Insurance Exam Cheat Sheet
- Insurance Exam Mind Maps
- Insurance Exam Learning Games
- TESTivity Platinum Study Package
The goal is not just to “study more.” The goal is to study smarter, expose weak areas early, reinforce the material repeatedly, and walk into the testing center already familiar with the exam’s logic.
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FAQ: Virginia Insurance License
About This Virginia Insurance License Guide
This guide was created by the TESTivity insurance licensing education team to help Virginia applicants understand the licensing process and prepare for the state insurance exam. TESTivity has spent more than 20 years helping insurance licensing candidates study for state exams, understand testing vendor patterns, and improve exam readiness through focused, multi-modal learning tools.
Licensing requirements can change. Always confirm current requirements with the Virginia State Corporation Commission Bureau of Insurance and Prometric before scheduling your exam or submitting your application.
About the author
Matt Williams
Matt Williams has been teaching insurance pre-licensing curriculum for over 20 years and has helped thousands of people pass their exams on their first attempt. Matt holds Life & Health, Property & Casualty, and Adjuster insurance licenses along with the Series 7, 8, 24, 63, and 65 FINRA/NASAA designations, and the CLU, ChFC, and CFP® professional credentials. He is a certified trainer in adult education and the founder of TESTivity.
The TESTivity Platinum Study Package is built around exactly this map: video lessons weighted to the actual exam outline, mind maps that show how coverage types relate to each other, a full-length exam simulator that mirrors the Virginia Prometric format, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to get your Virginia insurance license?
Start with a study system built for the exam you are actually taking.
The TESTivity Platinum Study Package gives Virginia insurance licensing students a complete, multi-modal study experience that includes the study manual, exam simulator, audio course, video instruction, flashcards, mind maps, learning games, cheat sheet, AI Tutor, and readiness tools.
Instead of relying on generic material, prepare with Virginia-specific tools built around the Prometric exam experience.
Study for Virginia. Practice for Prometric. Walk in ready.
Put yourself on the fast track to your Virginia insurance license with the TESTivity Platinum Study Package
93% pass rate · Video, Mind Maps, Audio, Textbook, Learning Games, Flashcards, Cheat Sheet, Exam Simulator & AI Tutor · Pass guarantee included