A licensed Virginia agent is convicted of a felony. How soon must the agent report the facts and circumstances to the Commission?Va. Code 38.2-1826(B)
A licensed Virginia agent not yet appointed by an insurer submits a first application to it. Within how long must the insurer reject it or notify the Commission of the appointment?Va. Code 38.2-1833(A)(1)
A resident Virginia agent moves his residence out of the Commonwealth and tells no one. What happens to the license authority?Va. Code 38.2-1826(D)
A Virginia agent changes his residence address. Besides the Commission, to whom must the change be reported within 30 calendar days?Va. Code 38.2-1826(A)
A Virginia agent deposits premiums in a separate fiduciary account. What may the agent withdraw from it at the agent's own discretion?Va. Code 38.2-1813(B)
A Virginia agent holds a life and annuities license and a property and casualty license. What continuing education must the agent complete each biennium?Va. Code 38.2-1866(G)
A Virginia agent is first licensed with 10 months left in the two-year continuing education period. What is owed for that biennium?Va. Code 38.2-1871(A)
Show all 82 questions (75 more)
Agent licensing and appointments, continued
A Virginia agent reports that another state has taken administrative action against him. What must the report include?Va. Code 38.2-1826(C)
A Virginia agent runs short of continuing education credits as the two-year period ends. Who may grant extra time to complete them?Va. Code 38.2-1869(B)
A Virginia agent wants to charge a client a fee, on top of the premium, for services tied to a policy. What must happen first?Va. Code 38.2-1812.2(A)
A Virginia agent was born in March of an odd-numbered year. When does the license expire?Va. Code 38.2-1825.1(A)
A Virginia agent's license is revoked and the order sets no other period. How long must the person wait before applying for a license again?Va. Code 38.2-1832(A)
A Virginia applicant passes the examination. Within how long must the license be obtained before the examination grade is considered invalid?Va. Code 38.2-1817(F)
A Virginia applicant registers for the licensing examination but does not sit for it. After how long is the examination fee forfeited?Va. Code 38.2-1817(E)
A Virginia insurer terminates an agent's appointment. How soon must the insurer notify the agent?Va. Code 38.2-1834(B)
A Virginia resident fails the agent licensing examination three times. How long must the applicant wait before retaking it?Va. Code 38.2-1817(B)
An individual whose Virginia license was revoked takes a clerical job with an insurance agency. Is that allowed while the individual is unlicensed?Va. Code 38.2-1822(B)
The Commission proposes to revoke a Virginia agent's license and a hearing is requested. How much written notice of the time and place must it give?Va. Code 38.2-1832(A)
The Commission tells an insurer that a Virginia agent's appointment is invalid. How soon must the insurer notify the agent in writing?Va. Code 38.2-1833(A)(3)
How many hours of continuing education must a Virginia agent who holds only a life and annuities license and a health agent license complete each biennium?Va. Code 38.2-1866(C)
How many of a Virginia agent's required continuing education credits for a biennium must be in insurance ethics?Va. Code 38.2-1866(H)
In a dispute between an insured and the insurer, whose agent is the licensed Virginia agent who sold the policy held to be?Va. Code 38.2-1801(A)
Notice that an insurer has terminated an appointment is sent to a Virginia agent. By when must the agent stop selling or soliciting for that insurer?Va. Code 38.2-1834(A)
What is the largest share of required continuing education credits a Virginia agent may take from courses provided by insurance companies or agencies?Va. Code 38.2-1866(J)
Who may see a Virginia agent's appointment record?Va. Code 38.2-1833(B)
Life policy provisions 16
A Virginia corporation insures the lives of employees who are not key employees. How long must such an employee have been employed for the insurable interest to be deemed to exist?Va. Code 38.2-301(B)(3)
A Virginia employer buys life insurance on its employees under its insurable interest. What must the employer give each employee?Va. Code 38.2-302(A)(3)
A Virginia group life certificate lets the insurer pay part of the death benefit to whoever paid the funeral bill. What is the cap on that payment?Va. Code 38.2-3330
A Virginia individual life policy lapsed onto extended term insurance and was never surrendered. For how long from the default may it be reinstated?Va. Code 38.2-3311
A Virginia individual life policy may not limit the time for bringing an action on it to less than how long after the cause of action accrues?Va. Code 38.2-3316
A Virginia life policy limits liability for death by the insured's own act within two years of the policy date. What must the insurer still pay at the least?Va. Code 38.2-3106(B)
After how many policy years must a Virginia individual life policy provide for a loan on the sole security of the policy?Va. Code 38.2-3308(A)
Below what total amount need a Virginia life insurer not pay the interest on proceeds that Va. Code 38.2-3115 computes?Va. Code 38.2-3115(C)
Besides suicide, which cause of the insured's death does Va. Code 38.2-3106 say is no defense to a claim on a life policy?Va. Code 38.2-3106(A)
For whose benefit may a 15-year-old in Virginia take out life insurance on his own life?Va. Code 38.2-3105(A)
How far back from the date of the written application may a Virginia life policy be backdated when that lowers the premium?Va. Code 38.2-3104(A)
How old must a minor be to contract for life insurance on his own life in Virginia?Va. Code 38.2-3105(A)
May a Virginia life policy be assigned to someone with no insurable interest in the insured's life?Va. Code 38.2-3111
No lawsuit is brought on a Virginia death claim. Interest on the proceeds is computed daily at the insurer's interest settlement option rate or at which annual rate, whichever is greater?Va. Code 38.2-3115(B)
Until what age may a dependent child who is a full-time student be insured under a Virginia group life policy?Va. Code 38.2-3323(A)
What is the highest yearly interest charge a Virginia individual life policy may apply to a premium paid during the grace period?Va. Code 38.2-3303(A)
Replacement and annuity sales 11
A Virginia applicant lists existing life policies. What must the agent do with the notice regarding replacements, not later than at the time of taking the application?14VAC5-30-40(B)
A Virginia policy is replaced by a new one from the same insurer. What credit must be allowed on the new policy?14VAC5-30-51(B)
Does the care obligation in a Virginia annuity recommendation make the agent a fiduciary?14VAC5-45-40(A)(1)(d)
For how long after an annuity transaction is completed must the records behind the recommendation be kept available to the Virginia commission?14VAC5-45-47(A)
For how long must a Virginia replacing insurer be able to produce copies of the replacement notices, indexed by agent?14VAC5-30-51(A)(3)
How soon after receiving a completed application that indicates replacement must a Virginia replacing insurer notify the existing insurer?14VAC5-30-51(A)(2)
In a Virginia replacement, when must the agent leave the applicant the original or a copy of all marketing communications?14VAC5-30-40(D)
What standard must a Virginia agent meet when recommending an annuity under 14VAC5-45-40?14VAC5-45-40(A)
What training must a Virginia agent with a life insurance and annuities line of authority complete before selling annuity products?14VAC5-45-45(B)
When may a Virginia agent skip reading the replacement notice aloud?14VAC5-30-40(B)
Who signs the statement, sent in with a Virginia life application, on whether the applicant has existing policies or contracts?14VAC5-30-40(A)
Accident and sickness provisions 10
A dependent child reaches the age at which a Virginia health policy ends coverage but is incapable of self-sustaining employment by reason of disability. By when must proof be furnished?Va. Code 38.2-3409(B)
A Virginia group hospital policy is not subject to COBRA. For how long may a person whose eligibility ends continue coverage under it?Va. Code 38.2-3541(B)
A Virginia individual accident and sickness policy is returned within ten days of receipt. From when is coverage void?Va. Code 38.2-3502(B)
A Virginia insured moves to a new health policy. Prior coverage counts toward a preexisting conditions provision if it was continuous to a date not more than how long before the new coverage began?Va. Code 38.2-3514.1(A)
As Va. Code 38.2-3514.1 defines it, a preexisting conditions provision limits coverage for expenses incurred during what period after the effective date?Va. Code 38.2-3514.1(B)
At whose option is a Virginia individual health policy renewable under Va. Code 38.2-3514.2?Va. Code 38.2-3514.2(A)
No lawsuit is brought on a Virginia accident and sickness claim. From when does interest at the legal rate run on the claim proceeds?Va. Code 38.2-3407.1(B)
When does the Virginia continuation provision of Va. Code 38.2-3541 not apply to a group health policy?Va. Code 38.2-3541(A)
Which warning must be printed on a Virginia individual accident and sickness policy under Va. Code 38.2-3502?Va. Code 38.2-3502(A)
Who must approve a change in a Virginia individual accident and sickness policy for it to be valid under required Provision 1?Va. Code 38.2-3503
Unfair practices, privacy and penalties 13
A person who is not an insurer or agent sends a Virginia insurer an authorization to disclose an individual's medical-record information. How recent must it be?Va. Code 38.2-613(A)(2)
A Virginia agent commits a series of similar violations, without knowledge or intent, that all result from the same act. What is the most the penalties may total?Va. Code 38.2-218(B)
A Virginia applicant accepts part of the agent's commission as an inducement to buy a policy. Who has violated the rebate law?Va. Code 38.2-509(A)
A Virginia applicant is told of an adverse underwriting decision. Within how long may the applicant ask in writing for the specific reasons?Va. Code 38.2-610(B)
A Virginia insurer receives a timely written request for the reasons behind an adverse underwriting decision. How soon must it furnish them?Va. Code 38.2-610(B)
A Virginia policy renews. No new notice of insurance information practices is needed if a proper one was given within how long before?Va. Code 38.2-604(A)(2)
A Virginia violation results solely from a malfunction of electronic equipment. What penalty applies under Va. Code 38.2-218?Va. Code 38.2-218(C)
For which of these may the Virginia Commission order restitution of the direct actual financial loss?Va. Code 38.2-218(D)
How does Va. Code 38.2-1831 define twisting?Va. Code 38.2-1831(5)
Under Va. Code 38.2-504, a false statement about a competitor is defamation when it is maliciously critical or derogatory and what else?Va. Code 38.2-504
What is the most Virginia may penalize a person for each knowing or willful violation of Title 38.2?Va. Code 38.2-218(A)
When may a Virginia agent sign a client's name on an insurance document?Va. Code 38.2-512(B)
Which of these does Va. Code 38.2-502 list as a misrepresentation?Va. Code 38.2-502(8)
Guaranty association 7
Apart from health benefit plans, what is the most the Virginia guaranty association must cover in aggregate benefits on any one life?Va. Code 38.2-1700(D)
May a Virginia agent tell a prospect that the guaranty association stands behind a policy in order to make the sale?Va. Code 38.2-1715(A)
What is the most the Virginia Life, Accident and Sickness Insurance Guaranty Association covers in life insurance death benefits for one life?Va. Code 38.2-1700(D)
What is the Virginia guaranty association's limit for disability income insurance on one life?Va. Code 38.2-1700(D)
What is the Virginia guaranty association's limit for health benefit plans on one life?Va. Code 38.2-1700(D)
What is the Virginia guaranty association's limit on net cash surrender and net cash withdrawal values for life insurance on one life?Va. Code 38.2-1700(D)
What is the Virginia guaranty association's limit on the present value of annuity benefits for one life?Va. Code 38.2-1700(D)
How this list was compiled: Code of Virginia Title 38.2 (Insurance), chapters 2, 3, 5, 6, 17, 18, 31, 33, 34 and 35, and Virginia Administrative Code 14VAC5-30 and 14VAC5-45, read on the Virginia Law site of the Legislative Information System, https://law.lis.virginia.gov/vacode/title38.2/, on October 9, 2026. The topics and the sections asked follow the content outline of the Virginia Life, Annuities, and Health Insurance Examination (Series 11-01), which names the Code section beside each state topic; it is published with the Virginia Bureau of Insurance Licensing Information Bulletin (effective December 13, 2024), which the State Corporation Commission posts on its Apply for an Individual Virginia Insurance License page, https://www.scc.virginia.gov/regulated-industries/bureau-of-insurance/licensed-agent/applying-for-a-individual-va-insurance-license/ (the outline itself: https://www.prometric.com/files/virginia/1101-Life-and-Health-Insurance.pdf). Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Virginia life insurance license practice test asks state law only: 82 of our own questions from Title 38.2 of the Code of Virginia and two Bureau of Insurance rules. Not affiliated with the Virginia Bureau of Insurance or the State Corporation Commission.
Read the full guide
A Virginia insurance license practice test that follows the outline
The content outline of the Virginia Life, Annuities, and Health Insurance Examination prints a Code section beside each state topic, from licensing (38.2-1800) to the guaranty association (38.2-1715). The questions were written from those sections. Insurance Regulation alone is 14 of the 140 scored items.
Virginia insurance health law study guide
For the health exam, take four groups: agent licensing, accident and sickness provisions, unfair practices and privacy, and the guaranty association. Each answer links its section, so the bank doubles as a study guide to Virginia insurance and health law.
Three failed exams: a resident waits 30 calendar days. A passing grade is invalid if no license is obtained within 183 calendar days (38.2-1817).
A minor of at least fifteen may insure his own life, for himself or close family (38.2-3105).
Guaranty limits per life: $300,000 death benefit, $100,000 cash value, $250,000 annuity, $500,000 health benefit plan (38.2-1700).
Questions and answers
How many questions are on the Virginia life and health insurance exam?
The outline of the Life, Annuities, and Health examination (Series 11-01) lists 140 scored questions, 10 pretest questions and a 2.5-hour limit. The Life and Annuities exam and the Health exam each list 90 scored questions, 15 pretest questions and two hours.
What is the passing score for the Virginia insurance exam?
The Bureau of Insurance Licensing Information Bulletin, effective December 13, 2024, prints no pass mark. It says the score report shows the percentage answered correctly and whether you passed. This page gives a score and no pass or fail.
How many continuing education hours does a Virginia insurance agent need?
16 hours each biennium with a life and annuities license, a health agent license or both; 24 hours, at least eight in each category, with licenses in more than one category. Three hours are insurance ethics (Va. Code 38.2-1866).
Are these the real Virginia insurance exam questions?
No. They are our own, written from the Code of Virginia. This site has never seen the state exam, and the Bureau of Insurance did not write or review them. The 25 questions drawn in exam mode are a set size, not the exam's length.