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Virginia Life Insurance — License Examination Requirements

US-VA · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Limited lines credit insurance agent

Limited credit-insurance authority, including credit life and mortgage redemption; insurer instruction is required under § 38.2-1800.

Licensing authority: Virginia State Corporation Commission, Bureau of Insurance · Application information

Business entity biennial renewal
No examination is required for this applicant pathway.
Deadline
Submit the biennial renewal application and nonrefundable fee in the Commission-prescribed manner; the statute specifies May 1, 2021, and biennially thereafter.
Designated Producer
Maintain the required designated licensed producer and satisfy all other applicable licensing provisions.
Home Authority
For nonresidents, preserve corresponding home-jurisdiction authority.
License Held
Hold the corresponding business-entity agent license.

Official no-examination sources

Effective from 2026-09-22.

Individual reinstatement within 12 months after failure to renew
No examination is required for this applicant pathway.
Application
Submit a renewal application and reinstatement fee equal to twice the renewal application processing fee.
Continuing Education
Satisfy relevant continuing-education requirements; statutory waiver procedures remain available.
Deadline
Apply within 12 months of the renewal date.
Existing Authority
Retain applicable underlying-license and home-jurisdiction authority conditions.
Termination
License terminated for failure to renew.

Official no-examination sources

Effective from 2026-09-22.

Individual license biennial renewal
No examination is required for this applicant pathway.
License Held
Hold the corresponding individual agent license.
Renewal
Submit the biennial renewal application and nonrefundable fee by the end of the birth month in the applicable odd/even birth year; satisfy all applicable licensing provisions.
Waiver
Military service or another extenuating circumstance may support a Commission-approved renewal or reinstatement waiver under § 38.2-1825.1 F; it is not automatic.

Official no-examination sources

Effective from 2026-09-22.

Nonresident entity limited line licensure
No examination is required for this applicant pathway.
Application
Submit the required application or completed Uniform Application and pay the application processing fee.
Continuing Authority
The Virginia nonresident authority terminates if corresponding home-jurisdiction authority terminates, is suspended, or is revoked.
Designated Licensed Producer
Designate an employee, officer, director, manager, member, or partner who is a licensed producer responsible for compliance. The entity's license is distinct from that individual's license.
Home License
Currently hold the corresponding resident license in good standing in the home jurisdiction; the Commission may verify NAIC Producer Database status.
Insurer Instruction
The insurer must provide an instruction program to each individual whose duties include these coverages; the Commission may approve or review that program.
Organization
The entity must legally exist; comply with the SCC Clerk's registration requirements. Sole proprietors use the individual application.
Reciprocity
The home jurisdiction must grant a corresponding nonresident license to Virginia residents on the same basis.
Restricted Authority
Only classes within the limited line defined in § 38.2-1800 may be sold, solicited, or negotiated.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual limited line licensure
No examination is required for this applicant pathway.
Application
Submit the required application or completed Uniform Application and pay the application processing fee.
Continuing Authority
The Virginia nonresident authority terminates if corresponding home-jurisdiction authority terminates, is suspended, or is revoked.
Home License
Currently hold the corresponding resident license in good standing in the home jurisdiction; the Commission may verify NAIC Producer Database status.
Insurer Instruction
The insurer must provide an instruction program to each individual whose duties include these coverages; the Commission may approve or review that program.
Reciprocity
The home jurisdiction must grant a corresponding nonresident license to Virginia residents on the same basis.
Restricted Authority
Only classes within the limited line defined in § 38.2-1800 may be sold, solicited, or negotiated.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual reapplication after termination or revocation
No examination is required for this applicant pathway.
Application
Submit the required application or completed Uniform Application and pay the application processing fee.
Continuing Authority
The Virginia nonresident authority terminates if corresponding home-jurisdiction authority terminates, is suspended, or is revoked.
Home License
Currently hold the corresponding resident license in good standing in the home jurisdiction; the Commission may verify NAIC Producer Database status.
Prior Order
If refused after a hearing or revoked, wait five years or the other period in the Commission's order before reapplying.
Reciprocity
The home jurisdiction must grant a corresponding nonresident license to Virginia residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Resident entity limited line licensure
No examination is required for this applicant pathway.
Application
Apply using the Uniform Business Entity Application or another Commission-accepted application and pay the prescribed nonrefundable fee.
Designated Licensed Producer
Designate an employee, officer, director, manager, member, or partner who is a licensed producer responsible for compliance. The entity's license is distinct from that individual's license.
Insurer Instruction
The insurer must provide an instruction program to each individual whose duties include these coverages; the Commission may approve or review that program.
Organization
The entity must legally exist; comply with the SCC Clerk's registration requirements. Sole proprietors use the individual application.
Restricted Authority
Only classes within the limited line defined in § 38.2-1800 may be sold, solicited, or negotiated.

Official no-examination sources

Effective from 2026-09-22.

Resident individual limited line licensure
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Submit the Commission-prescribed application online through Sircon or NIPR, pay the nonrefundable fee, and attach required supporting documents.
Character
The Commission must be satisfied as to good character and reputation for honesty.
Criminal History
Disclose applicable criminal history and supply the Commission's requested supporting documents; the SCC reviews relevant convictions individually.
Fingerprints
Resident individuals applying for a new license must be fingerprinted under § 38.2-1819 B; the SCC requires usable fingerprints no older than 90 days, with its stated same-license/current-license exception within 12 months.
Insurer Instruction
The insurer must provide an instruction program to each individual whose duties include these coverages; the Commission may approve or review that program.
Restricted Authority
Only classes within the limited line defined in § 38.2-1800 may be sold, solicited, or negotiated.

Official no-examination sources

Effective from 2026-09-22.

Limited lines life and health insurance agent

Restricted authority including limited burial and mutual assessment life and health, as defined in § 38.2-1800; the limited license excludes the ordinary major lines.

Licensing authority: Virginia State Corporation Commission, Bureau of Insurance · Application information

Business entity biennial renewal
No examination is required for this applicant pathway.
Deadline
Submit the biennial renewal application and nonrefundable fee in the Commission-prescribed manner; the statute specifies May 1, 2021, and biennially thereafter.
Designated Producer
Maintain the required designated licensed producer and satisfy all other applicable licensing provisions.
Home Authority
For nonresidents, preserve corresponding home-jurisdiction authority.
License Held
Hold the corresponding business-entity agent license.

Official no-examination sources

Effective from 2026-09-22.

Individual reinstatement within 12 months after failure to renew
No examination is required for this applicant pathway.
Application
Submit a renewal application and reinstatement fee equal to twice the renewal application processing fee.
Continuing Education
Satisfy relevant continuing-education requirements; statutory waiver procedures remain available.
Deadline
Apply within 12 months of the renewal date.
Existing Authority
Retain applicable underlying-license and home-jurisdiction authority conditions.
Termination
License terminated for failure to renew.

Official no-examination sources

Effective from 2026-09-22.

Individual license biennial renewal
No examination is required for this applicant pathway.
License Held
Hold the corresponding individual agent license.
Renewal
Submit the biennial renewal application and nonrefundable fee by the end of the birth month in the applicable odd/even birth year; satisfy all applicable licensing provisions.
Waiver
Military service or another extenuating circumstance may support a Commission-approved renewal or reinstatement waiver under § 38.2-1825.1 F; it is not automatic.

Official no-examination sources

Effective from 2026-09-22.

Nonresident entity limited line licensure
No examination is required for this applicant pathway.
Application
Submit the required application or completed Uniform Application and pay the application processing fee.
Continuing Authority
The Virginia nonresident authority terminates if corresponding home-jurisdiction authority terminates, is suspended, or is revoked.
Designated Licensed Producer
Designate an employee, officer, director, manager, member, or partner who is a licensed producer responsible for compliance. The entity's license is distinct from that individual's license.
Home License
Currently hold the corresponding resident license in good standing in the home jurisdiction; the Commission may verify NAIC Producer Database status.
Organization
The entity must legally exist; comply with the SCC Clerk's registration requirements. Sole proprietors use the individual application.
Reciprocity
The home jurisdiction must grant a corresponding nonresident license to Virginia residents on the same basis.
Restricted Authority
Only classes within the limited line defined in § 38.2-1800 may be sold, solicited, or negotiated.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual limited line licensure
No examination is required for this applicant pathway.
Application
Submit the required application or completed Uniform Application and pay the application processing fee.
Continuing Authority
The Virginia nonresident authority terminates if corresponding home-jurisdiction authority terminates, is suspended, or is revoked.
Home License
Currently hold the corresponding resident license in good standing in the home jurisdiction; the Commission may verify NAIC Producer Database status.
Reciprocity
The home jurisdiction must grant a corresponding nonresident license to Virginia residents on the same basis.
Restricted Authority
Only classes within the limited line defined in § 38.2-1800 may be sold, solicited, or negotiated.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual reapplication after termination or revocation
No examination is required for this applicant pathway.
Application
Submit the required application or completed Uniform Application and pay the application processing fee.
Continuing Authority
The Virginia nonresident authority terminates if corresponding home-jurisdiction authority terminates, is suspended, or is revoked.
Home License
Currently hold the corresponding resident license in good standing in the home jurisdiction; the Commission may verify NAIC Producer Database status.
Prior Order
If refused after a hearing or revoked, wait five years or the other period in the Commission's order before reapplying.
Reciprocity
The home jurisdiction must grant a corresponding nonresident license to Virginia residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Resident entity limited line licensure
No examination is required for this applicant pathway.
Application
Apply using the Uniform Business Entity Application or another Commission-accepted application and pay the prescribed nonrefundable fee.
Designated Licensed Producer
Designate an employee, officer, director, manager, member, or partner who is a licensed producer responsible for compliance. The entity's license is distinct from that individual's license.
Organization
The entity must legally exist; comply with the SCC Clerk's registration requirements. Sole proprietors use the individual application.
Restricted Authority
Only classes within the limited line defined in § 38.2-1800 may be sold, solicited, or negotiated.

Official no-examination sources

Effective from 2026-09-22.

Resident individual limited line licensure
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Submit the Commission-prescribed application online through Sircon or NIPR, pay the nonrefundable fee, and attach required supporting documents.
Character
The Commission must be satisfied as to good character and reputation for honesty.
Criminal History
Disclose applicable criminal history and supply the Commission's requested supporting documents; the SCC reviews relevant convictions individually.
Fingerprints
Resident individuals applying for a new license must be fingerprinted under § 38.2-1819 B; the SCC requires usable fingerprints no older than 90 days, with its stated same-license/current-license exception within 12 months.
Restricted Authority
Only classes within the limited line defined in § 38.2-1800 may be sold, solicited, or negotiated.

Official no-examination sources

Effective from 2026-09-22.

Restricted nonresident life and annuities insurance agent

Nonresident license restricted to the life and annuity authority held in the applicant's home jurisdiction.

Licensing authority: Virginia State Corporation Commission, Bureau of Insurance · Application information

Nonresident business entity licensure with restricted authority
No examination is required for this applicant pathway.
Application
Submit the required application or completed Uniform Application and pay the application processing fee.
Authority Restriction
Only life and annuity classes held under the home-jurisdiction license may be transacted.
Continuing Authority
The Virginia nonresident authority terminates if corresponding home-jurisdiction authority terminates, is suspended, or is revoked.
Designated Licensed Producer
Designate an employee, officer, director, manager, member, or partner who is a licensed producer responsible for compliance. The entity's license is distinct from that individual's license.
Home License
Currently hold the corresponding resident license in good standing in the home jurisdiction; the Commission may verify NAIC Producer Database status.
Organization
The entity must legally exist; comply with the SCC Clerk's registration requirements. Sole proprietors use the individual application.
Reciprocity
The home jurisdiction must grant a corresponding nonresident license to Virginia residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Business entity biennial renewal
No examination is required for this applicant pathway.
Deadline
Submit the biennial renewal application and nonrefundable fee in the Commission-prescribed manner; the statute specifies May 1, 2021, and biennially thereafter.
Designated Producer
Maintain the required designated licensed producer and satisfy all other applicable licensing provisions.
Home Authority
For nonresidents, preserve corresponding home-jurisdiction authority.
License Held
Hold the corresponding business-entity agent license.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual licensure with restricted authority
No examination is required for this applicant pathway.
Application
Submit the required application or completed Uniform Application and pay the application processing fee.
Authority Restriction
The home resident license is unrestricted there but grants less than the complete Virginia major-line authority; the Virginia license grants only equivalent home-jurisdiction authority.
Continuing Authority
The Virginia nonresident authority terminates if corresponding home-jurisdiction authority terminates, is suspended, or is revoked.
Home License
Currently hold the corresponding resident license in good standing in the home jurisdiction; the Commission may verify NAIC Producer Database status.
Reciprocity
The home jurisdiction must grant a corresponding nonresident license to Virginia residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Individual reinstatement within 12 months after failure to renew
No examination is required for this applicant pathway.
Application
Submit a renewal application and reinstatement fee equal to twice the renewal application processing fee.
Continuing Education
Satisfy relevant continuing-education requirements; statutory waiver procedures remain available.
Deadline
Apply within 12 months of the renewal date.
Existing Authority
Retain applicable underlying-license and home-jurisdiction authority conditions.
Termination
License terminated for failure to renew.

Official no-examination sources

Effective from 2026-09-22.

Individual license biennial renewal
No examination is required for this applicant pathway.
Application
Submit the required application or completed Uniform Application and pay the application processing fee.
Continuing Authority
The Virginia nonresident authority terminates if corresponding home-jurisdiction authority terminates, is suspended, or is revoked.
Home License
Currently hold the corresponding resident license in good standing in the home jurisdiction; the Commission may verify NAIC Producer Database status.
License Held
Hold the corresponding individual agent license.
Reciprocity
The home jurisdiction must grant a corresponding nonresident license to Virginia residents on the same basis.
Renewal
Submit the biennial renewal application and nonrefundable fee by the end of the birth month in the applicable odd/even birth year; satisfy all applicable licensing provisions.
Waiver
Military service or another extenuating circumstance may support a Commission-approved renewal or reinstatement waiver under § 38.2-1825.1 F; it is not automatic.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual reapplication after termination or revocation
No examination is required for this applicant pathway.
Application
Submit the required application or completed Uniform Application and pay the application processing fee.
Continuing Authority
The Virginia nonresident authority terminates if corresponding home-jurisdiction authority terminates, is suspended, or is revoked.
Home License
Currently hold the corresponding resident license in good standing in the home jurisdiction; the Commission may verify NAIC Producer Database status.
Prior Order
If refused after a hearing or revoked, wait five years or the other period in the Commission's order before reapplying.
Reciprocity
The home jurisdiction must grant a corresponding nonresident license to Virginia residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Temporary Life and Health

Temporary individual life-and-health authority for the death, incapacity, or sale-of-business circumstances in § 38.2-1830 A 1-3.

Licensing authority: Virginia State Corporation Commission, Bureau of Insurance · Application information

Temporary individual issuance upon business sale
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Submit the Commission-prescribed application online through Sircon or NIPR, pay the nonrefundable fee, and attach required supporting documents.
Character
The Commission must be satisfied as to good character and reputation for honesty.
Competence
Commission must be satisfied applicant is trustworthy and competent.
Criminal History
Disclose applicable criminal history and supply the Commission's requested supporting documents; the SCC reviews relevant convictions individually.
Duration
Only one temporary life-and-health license may be issued during the individual's lifetime; statutory term is 180 calendar days, subject to discretionary renewal for good cause.
Fingerprints
Resident individuals applying for a new license must be fingerprinted under § 38.2-1819 B; the SCC requires usable fingerprints no older than 90 days, with its stated same-license/current-license exception within 12 months.
Relationship
Employee of the sold business; when no suitable person is available, the Commission may appoint another suitable person.
Residency
Available to resident individuals, as stated in the Bureau's bulletin.

Official no-examination sources

Effective from 2026-09-22.

Temporary individual issuance upon death
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Submit the Commission-prescribed application online through Sircon or NIPR, pay the nonrefundable fee, and attach required supporting documents.
Character
The Commission must be satisfied as to good character and reputation for honesty.
Competence
Commission must be satisfied applicant is trustworthy and competent.
Criminal History
Disclose applicable criminal history and supply the Commission's requested supporting documents; the SCC reviews relevant convictions individually.
Duration
Only one temporary life-and-health license may be issued during the individual's lifetime; statutory term is 180 calendar days, subject to discretionary renewal for good cause.
Fingerprints
Resident individuals applying for a new license must be fingerprinted under § 38.2-1819 B; the SCC requires usable fingerprints no older than 90 days, with its stated same-license/current-license exception within 12 months.
Relationship
Personal representative, surviving spouse, employee, child, or next of kin of a deceased agent.
Residency
Available to resident individuals, as stated in the Bureau's bulletin.

Official no-examination sources

Effective from 2026-09-22.

Discretionary renewal of temporary life and health authority
No examination is required for this applicant pathway.
Good Cause
The Commission may renew for good cause shown in its sole discretion.
Trustworthiness
Temporary licensing remains subject to Commission satisfaction as to trustworthiness and competence.

Official no-examination sources

Effective from 2026-09-22.

Temporary individual issuance upon incapacity
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Submit the Commission-prescribed application online through Sircon or NIPR, pay the nonrefundable fee, and attach required supporting documents.
Character
The Commission must be satisfied as to good character and reputation for honesty.
Competence
Commission must be satisfied applicant is trustworthy and competent.
Criminal History
Disclose applicable criminal history and supply the Commission's requested supporting documents; the SCC reviews relevant convictions individually.
Duration
Only one temporary life-and-health license may be issued during the individual's lifetime; statutory term is 180 calendar days, subject to discretionary renewal for good cause.
Fingerprints
Resident individuals applying for a new license must be fingerprinted under § 38.2-1819 B; the SCC requires usable fingerprints no older than 90 days, with its stated same-license/current-license exception within 12 months.
Relationship
Spouse, child, next of kin, employee, or legal representative of an agent unable to act because of sickness, injury, or mental incapacity.
Residency
Available to resident individuals, as stated in the Bureau's bulletin.

Official no-examination sources

Effective from 2026-09-22.

Temporary Life and Health (Debit Only)

Temporary individual life-and-health authority for a home-service insurer agent assigned a debit who will collect premiums under § 38.2-1830 A 4.

Licensing authority: Virginia State Corporation Commission, Bureau of Insurance · Application information

Temporary individual issuance upon debit
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Submit the Commission-prescribed application online through Sircon or NIPR, pay the nonrefundable fee, and attach required supporting documents.
Character
The Commission must be satisfied as to good character and reputation for honesty.
Competence
Commission must be satisfied applicant is trustworthy and competent.
Criminal History
Disclose applicable criminal history and supply the Commission's requested supporting documents; the SCC reviews relevant convictions individually.
Duration
Only one temporary life-and-health license may be issued during the individual's lifetime; statutory term is 180 calendar days, subject to discretionary renewal for good cause.
Employment
Applicant will be appointed by a home-service insurer, assigned a debit, and actually collect premiums during the temporary license.
Fingerprints
Resident individuals applying for a new license must be fingerprinted under § 38.2-1819 B; the SCC requires usable fingerprints no older than 90 days, with its stated same-license/current-license exception within 12 months.
Residency
Available to resident individuals, as stated in the Bureau's bulletin.

Official no-examination sources

Effective from 2026-09-22.

Discretionary renewal of temporary life and health authority
No examination is required for this applicant pathway.
Good Cause
The Commission may renew for good cause shown in its sole discretion.
Trustworthiness
Temporary licensing remains subject to Commission satisfaction as to trustworthiness and competence.

Official no-examination sources

Effective from 2026-09-22.

Variable contract agent

Separate variable-life and variable-annuity authority. Resident individuals must currently hold life-and-annuities authority; the SCC names FINRA Series 6 or Series 7.

Licensing authority: Virginia State Corporation Commission, Bureau of Insurance · Application information

Business entity biennial renewal
No examination is required for this applicant pathway.
Deadline
Submit the biennial renewal application and nonrefundable fee in the Commission-prescribed manner; the statute specifies May 1, 2021, and biennially thereafter.
Designated Producer
Maintain the required designated licensed producer and satisfy all other applicable licensing provisions.
Home Authority
For nonresidents, preserve corresponding home-jurisdiction authority.
License Held
Hold the corresponding business-entity agent license.

Official no-examination sources

Effective from 2026-09-22.

Individual reinstatement within 12 months after failure to renew
No examination is required for this applicant pathway.
Application
Submit a renewal application and reinstatement fee equal to twice the renewal application processing fee.
Continuing Education
Satisfy relevant continuing-education requirements; statutory waiver procedures remain available.
Deadline
Apply within 12 months of the renewal date.
Existing Authority
Retain applicable underlying-license and home-jurisdiction authority conditions.
Termination
License terminated for failure to renew.

Official no-examination sources

Effective from 2026-09-22.

Individual license biennial renewal
No examination is required for this applicant pathway.
License Held
Hold the corresponding individual agent license.
Renewal
Submit the biennial renewal application and nonrefundable fee by the end of the birth month in the applicable odd/even birth year; satisfy all applicable licensing provisions.
Underlying License
Resident variable-contract authority ends if the underlying life-and-annuities license ends; § 38.2-1825 B.
Waiver
Military service or another extenuating circumstance may support a Commission-approved renewal or reinstatement waiver under § 38.2-1825.1 F; it is not automatic.

Official no-examination sources

Effective from 2026-09-22.