Virginia’s resident individual Life and Annuities pathway requires examination, fingerprinting and background review, and an electronic license application. Virginia does not identify a state-mandated prelicensing course for the ordinary Life and Annuities route; applicants should verify current requirements and any exception that applies to their circumstances.
Eligibility
- Residency requirement / status
- Resident pathway applies to a new Virginia resident individual. Nonresident and recent resident-transfer routes have different requirements.
- General eligibility explanation
- For the ordinary resident route, pass the required examination, submit fingerprints for state and federal review, complete the electronic application, and answer all background questions. Licensure remains subject to Bureau review.
Prelicensing education
- Prelicensing education required
- No
- Education requirement explanation
- The current SCC resident pathway expressly requires a 16-hour prelicensing course for Title but does not identify a state-mandated course for Life and Annuities. Exam preparation is optional and recommended; verify the current pathway before enrollment.
- Exemptions available
- Conditional
- Exemption explanation
- Recent resident transfers and other applicant-specific situations can change ordinary examination or resident requirements. A person moving to Virginia may have a 90-day window after canceling the prior resident license; verify the exact facts with the Bureau.
Background
- Fingerprints required
- Yes
- Background check required
- Yes
- Fingerprint / background instructions
- New resident applicants register with Fieldprint using code FPVABOIProducer. The current fingerprint fee is $34.95; results go electronically to Virginia State Police and the FBI. Fingerprints generally must be no more than 90 days old. A limited exception can apply when fingerprints were submitted within the prior 12 months and the person is currently licensed for the same license type.
Application
- Application required
- Yes
- Application fee
- $15 per qualification
- Application channel / system
- Sircon or NIPR electronic application
- Application instructions
- Pass the examination unless an exception applies, complete fingerprints, and apply electronically within 183 calendar days after passing. Upload requested supporting documents for affirmative background answers. The SCC states normal processing is about 15 business days; criminal-history review may take 30–60 days.
- Official application reference
- https://www.scc.virginia.gov/regulated-industries/bureau-of-insurance/licensed-agent/applying-for-a-individual-va-insurance-license/
Renewal & maintenance
- Renewal cycle
- Biennial in the licensee’s birth month and odd/even birth year; renewal opens 90 days before expiration
- Renewal fee
- $10 per line of authority
- CE required
- Conditional
- CE hours
- 16 credits for one license type, or for Life and Annuities plus Health; 24 credits for two or more other license types, with at least 8 per type
- CE cycle
- Biennial; due by license expiration
- Ethics hours
- 3
- CE explanation
- At least 3 ethics credits are required. No more than 75% may come from courses provided by an insurer or agency, and credits do not carry over. Pearson administers Virginia CE reporting; this is distinct from Prometric’s exam-administration role.
- CE exemptions / special rules
- License type, resident status, first-term timing, and military call-up can affect CE. Product-specific annuity or long-term-care training must be evaluated separately.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- A qualified nonresident generally holds equivalent authority in the home state and uses the nonresident application route. Virginia residents transferring from another state may qualify for a 90-day transition route after canceling the former resident license.
- Portability / mobility notes
- Do not apply resident fingerprint and examination language automatically to nonresidents or transfers; verify current equivalent authority and timing.
Military / veteran / spouse
- Veteran-specific provisions
- Certain licensing examination costs may qualify for reimbursement under the GI Bill, up to the applicable federal limit and subject to eligibility and proof of payment. This is reimbursement, not an SCC fee waiver.
- Military-spouse provisions
- Eligible dependents may qualify for federal examination-cost reimbursement under published GI Bill conditions. No insurance-specific expedited initial-license pathway or SCC fee waiver was verified.
- Temporary / provisional authority
- Virginia permits limited temporary licenses for specified business-continuity situations, such as death, disability, or active military service of a producer. The current fee is $15 and no examination is required; this is not the ordinary applicant pathway.
Source governance
- Primary authoritative source
- https://www.scc.virginia.gov/regulated-industries/bureau-of-insurance/licensed-agent/applying-for-a-individual-va-insurance-license/
- Secondary official sources
- Virginia SCC Lines of Authority & Application Fees, Continuing Education Requirements, License Renewals, and Military Service Members & Their Families; SCC/Prometric Virginia Insurance Licensing Information Bulletin effective 2024-12-13; Prometric outline 11-05
- Statute / regulation reference
- Code of Virginia, Title 38.2, including producer licensing and temporary-license provisions
- Source reference URL
- https://www.scc.virginia.gov/regulated-industries/bureau-of-insurance/licensed-agent/application-fees/
- Last verified date
- 2026-08-19
- Verification status
- Verified
- Review / recheck date
- 2026-11-19
Compare education providers
Alphabetical options; compensation never determines eligibility or placement. Confirm the exact course and jurisdiction before enrolling. This directory is not exhaustive.
No currently verified published offerings match. Check official provider and regulator resources; additional options may exist.