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Virginia insurance license requirements

Do you want to become an insurance agent and get your Virginia insurance license? XCEL has taught thousands of aspiring insurance professionals in Virginia and we make it easy for you to get up to speed on the Virginia insurance requirements.

Virginia Insurance License SchoolVirginia Insurance License School

How To Obtain a Virginia Insurance Producer License  

The state of Virginia has no formal pre-licensing education requirement however it is recommended as the prelicensing course is designed to prepare candidates for the State Licensing Examination. 

1. Complete the Pre-Licensing course

  • Life Only 
  • Accident & Health Only 
  • Life, Accident & Health  
  • Casualty Insurance  
  • Property Insurance  
  • Property and Casualty  
  • Personal lines  

Course Requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter. 
  • Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter. 

2. Schedule the Virginia State Examination

Online Proctored Exams

  • You must check the compatibility of your computer before registering for the exam. https://rpcandidate.prometric.com/
  • If your computer is not compatible with the online software, you will need to schedule your examination at the Prometric test center.
Limitation on Repeat Examinations
  • Candidates must wait 24 hours before making a reservation for re-examination. After the third time of failing the exam, Virginia law requires a 30-calendar day waiting period before retaking the exam. 

3. Pass the State Exam

  • Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period.
    • Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam. 
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind.” 
  • On the day of testing, you must present two (2) forms of identification bearing your signature, one of which must be a valid government issued photo id. 

4. Apply for License

  • AFTER you pass the exam, you must complete your license and fingerprints at PROMETRIC.
  • Submit license application online through www.nipr.com using the kiosks at the Prometric test center.
  • Application fee $15 plus processing fee
  • If you answer “Yes” to a background question on the application, submit your written statement accompanied by corresponding court documents (printouts from a court’s web site are not acceptable) as part of your NIPR electronic license application using the Attachments Warehouse
  • If you need to submit other additional documents as part of your NIPR electronic license application, use the Attachments Warehouse.
  • NIPR does not verify exams prior to allowing submission of an application.

5. Submit Fingerprints

Prometric Exam Outlines

DESCRIPTION Question Count % of Exam Questions
Life Health L&H Life Health L&H
Life Insurance
Insurance Regulations 15 15 15 17% 17% 10%
General Insurance 9 9 9 10% 10% 6%
Life Insurance Basics 14 0 9 15% 0% 6%
Life Insurance Policies 18 0 15 20% 0% 10%
Life Insurance Policy Provisions, Options and Riders 16 0 17 18% 0% 11%
Annuities 11 0 9 12% 0% 6%
Federal Tax Considerations for Life Insurance and Annuities 4 0 3 4% 0% 2%
Qualified Plans 4 0 3 4% 0% 2%
Health Insurance
Health Insurance Basics 0 12 9 0% 12% 6%
Individual Health Insurance Policy General Provisions 0 12 17 0% 16% 11%
Disability Income and Related Insurance 0 8 8 0% 9% 5%
Medical Plans 0 9 9 0% 10% 6%
Group Health Insurance 0 7 8 0% 8% 5%
Dental Insurance 0 2 2 0% 2% 1%
Insurance for Senior Citizens and Special Needs Individuals 0 13 17 0% 14% 11%
Federal Tax Considerations for Health Insurance 0 2 3 0% 2% 2%
Total for all parts
Total Scored Questions on Exam 90 90 150
Maximum Time allowed to complete exam in minutes 120 120 150
Passing Score 70 70 70
DESCRIPTION Question Count % of Exam Questions
Personal Lines P&C Personal Lines P&C
Casualty | Property Insurance
Insurance Regulations 18 20 18% 15%
General Insurance 12 12 12% 9%
Property and Casualty Insurance Basics 20 18 20% 13%
Dwelling Policy 8 7 8% 5%
Homeowners Policy 17 18 17% 13%
Auto Insurance 20 21 20% 16%
Commercial Package Policy (CPP) 0 16 0% 12%
Business Owner Policy 0 7 0% 5%
Workers Compensation Insurance 0 9 0% 7%
Other Coverages and Options 5 7 5% 5%
Total for all parts
Total Scored Questions on Exam 100 135
Maximum Time allowed to complete exam in minutes 120 150
Passing Score 70 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Register for exam
3. Pass exam
4. Apply for license
5. Submit Fingerprints

Governing Agency

Name: Virginia State Corporation Commission Bureau of Insurance
Phone: 804-371-9631
Website: https://scc.virginia.gov/pages/Bureau-of-Insurance
Address: P.O. Box 1157 Richmond, VA 23218-1157

Virginia Insurance License Renewal and Compliance Requirements

XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.

License Renewal Timelines 

Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years. 

  • On-going renewal periods are the last day of the agent’s birth month and odd/even year of birth every two (2) years thereafter. 

Continuing education requirements must be met before submitting the license renewal application. 

Complete Required Continuing Education

Requirements per License 

Licensees renewing a Single Line of Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 16 hours of approved continuing education, three (3) of which must be approved as ethics, before submitting their renewal application. 

Licensees renewing Multi-Line Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license of 24 hours of approved continuing education, three (3) of which must be approved as ethics, before submitting their renewal application. 

Specific Product Training Requirements

The Virginia Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.

Long-Term Care Training Requirements

  • Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance. 
  • Agents must also complete an approved 4-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance. 
  • The initial and refresher LTC course credits count towards the agent's CE requirement. 
  • Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course. 
  • Non-resident agents may complete these training requirements in any state. 

Annuity Best Interest Training Requirements

  • Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Best Interest course before selling, soliciting, or negotiating annuity products. 
  • The initial and refresher LTC course credits count towards the agent's CE requirement. 
  • Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Virginia. 

Flood Insurance (NFIP) Training Requirements

  • Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance. 
  • The National Flood Insurance Program course credits count towards the agent's CE requirement. 

Course Requirements 

  • Licensees can use independent self-study courses to fill all requirements. 
  • Licensees must take courses in which the licensed is held.
  • Self-study exams are closed book and require a monitor/proctor. 
  • Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles. 
  • Excess credit hours earned in the previous biennial renewal period can be carried over to the next reporting period. (This does not apply for Public Adjusters) 

Reporting to your State

  • Students must provide their National Producer Number (NPN) to report on course completion. 
  • $1.00 per credit hour is required to report course completions to your state. 
  • Course completions are reported within one business day. 

Renew your License

Resident and nonresident license renewal applications are processed through NIPR. A $10 renewal fee is required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.

Helpful resources