$65 + Fingerprints: Virginia Life & Health License Cost 2026

Getting a Virginia Life, Annuities and Health producer license costs $65 in required fees if you sit the combined exam once ($35) and apply for both qualifications on one application ($30) — or $100 if you sit the two single-line exams separately ($35 + $35) plus the same $30 in application fees. Neither total includes fingerprinting, which every resident applicant must complete but which Virginia's own Bulletin does not price in dollars, so this guide does not quote a figure for it either.

There is no pre-licensing course sitting on top of either total: both governing statutes condition licensure on passing the exam alone. The cost worth planning for after you are licensed is continuing education, which runs every two years and is billed by whichever course provider you choose.

• Required fees, both lines, first try, combined exam: $65, plus fingerprinting
• Required fees, both lines, first try, two separate exams: $100, plus fingerprinting
• Pre-licensing course: none required
• Fingerprint background check: required since January 1, 2021; fee set by the vendor, not published in the Bulletin
• Exam preparation: $0 to several hundred dollars, your choice
• Each retake: $35, whichever exam you retake
• Continuing education: 16 or 24 hours every two years, depending on which other licenses you hold

1. Prometric Exam Fee — $35 per attempt

Paid to Prometric when you schedule, per attempt. One $35 fee covers the combined Series 11-01 exam; sitting the two single-line exams (Series 11-05 and 11-06) separately costs $35 each, $70 total. The combined exam is exactly half the price of the two-exam path, since every Virginia exam series — Series 11-01 through 11-08 — costs the same flat $35.

2. Insurance Producer Application Processing Fee — $15 per qualification

Charged by the Bureau of Insurance per line of authority on your application. Life and Annuities and Health together, filed as two qualifications on one application, cost $15 + $15 = $30. Normal turnaround is 15 business days; an application with an affirmative background question needing documentation takes a minimum of 30 business days, and one left with incomplete documentation closes after 30 calendar days, requiring a brand-new application and a new, non-refundable processing fee.

3. Fingerprint-Based Background Check — Required, Not Priced Here

Every resident license applicant has had to submit fingerprints since January 1, 2021, through a Fieldprint appointment; the results route to the Virginia State Police and the FBI and stay on file with the Bureau for one year once submitted. The Bulletin itself states no dollar figure for this step — it is a Fieldprint transaction, separate from Prometric's exam fee table — so this guide does not quote one. Budget for it and schedule the appointment as soon as you pass; the Bureau will not issue a license until it clears.

Add the exam fee(s) to the application fee: $35 + $30 = $65 (combined exam), or two single-line exams at $35 + $35 + $30 application = $100 — both excluding fingerprinting.

If you want both lines of authority, the combined exam is the cheaper and faster route: one $35 fee and one appointment, instead of two $35 fees and two appointments. The combined exam's content time is 150 minutes; each single-line exam runs 120 minutes, so two separate sittings add up to more total time in the chair as well as more money.

The case for the two single-line path is narrower: if you are certain you will only ever hold one line, sit only that line's exam and skip paying for, or studying, content you do not need. There is no partial-refund or upgrade path from a single-line pass to the combined credential — if you later decide you need the second line, you sit that line's own exam separately.

Virginia's continuing education rule has a pairing clause worth knowing before you plan around it. Resident agents holding one license type, or holding both Life & Annuities and Health together, must complete 16 CE credit hours per biennium. Agents who also hold a different license category — for example, Life & Annuities alongside a Property and Casualty license — move into a 24-hour tier, with a minimum of 8 hours applicable to each license type held. At least 3 of the required hours must be Ethics every biennium regardless of which tier applies, and no more than 75 percent of required credits may come from courses provided by insurance agencies or companies.

Continuing education is administered by the Virginia Insurance Continuing Education Board, which has contracted CE administration to a separate third-party vendor, a different vendor from Prometric, which administers the licensing exams themselves. Don't conflate the two: passing your exam through Prometric has nothing to do with where you later complete CE hours.

A LanePrep customer who holds only the Virginia Life, Annuities and Health combination stays in the cheaper 16-hour tier. CE course prices are set by individual providers, not the Bureau, so this guide does not quote a figure for them.

Every attempt costs the fee again: $35 for a failed combined exam, retaken as the combined exam, or $35 for a failed single-line exam, retaken as that single-line exam — you do not have to retake a line you already passed. You must wait 24 hours before scheduling a reexamination, and if you fail a third consecutive time, Virginia law adds a 30-calendar-day wait before the next attempt.

There is a second, easy-to-miss cost to a retake: your exam registration is only valid for 90 calendar days from processing, and a passed result is only good for 183 calendar days for the purpose of filing your license application. A retake that pushes you toward either deadline can mean paying a registration or application fee a second time on top of the exam fee itself.

How much you spend on preparation is the biggest variable in the whole budget, and the first-time pass rates — roughly 59-70 percent on the combined exam, 56-68 percent on Life and Annuities, 68-71 percent on Health — make it a real line item, not an optional one.

$0 — the free stack. Prometric publishes the Series 11-01 content outline with the weight of every section, and its Licensing Information Bulletin explains the format and fee rules. Together they tell you what is tested, not how it works. Free general-insurance material covers national concepts reasonably well and Virginia-specific law — agent licensing under Title 38.2, Chapter 18, replacement and advertising under 14VAC5, Medicare supplement and long-term care rules — poorly or not at all.

$14.99-$79 — a focused exam-prep course. LanePrep's Virginia Life, Annuities and Health course is nine audio chapters built from the Series 11-01 outline, with a chapter quiz after every chapter. It costs $14.99 per month or $79 once as the Pass Package. Chapters 1 and 9 are free, no signup, so you can judge the format before paying for either.

Full packages. National prep providers sell bundles with video lectures and a textbook at several times the price of a focused course. Make sure any package you buy is built from the Series 11-01 content outline and names Prometric, not another vendor, as the testing company.

Two realistic budgets, both excluding the fingerprinting charge, which Virginia requires but does not price in its own materials.

Pass the combined exam on the first attempt — $65 to $144, plus fingerprinting

• Combined exam fee $35
• Application processing fee, both qualifications, $30
• Preparation: free stack ($0), one month of LanePrep ($14.99) or the Pass Package ($79)

Pass both single-line exams on the first attempt — $100 to $179, plus fingerprinting

• Life and Annuities exam fee $35
• Health exam fee $35
• Application processing fee, both qualifications, $30
• Preparation: free stack ($0), one month of LanePrep ($14.99) or the Pass Package ($79)

One retake, combined exam — $100 to $179, plus fingerprinting

• Everything in the combined-exam scenario above
• A second attempt at the combined exam: $35
• In practice, more preparation as well — the same preparation produced the first result

The gap between passing on the first try and needing one retake is $35, the mandatory 24-hour wait before you can even rebook, and however many days it takes to get a new seat after that. That is the arithmetic behind spending something on preparation: the most expensive study material is the kind that sends you back to retake an exam you already paid for once.

For most self-directed candidates the cost-optimal path is:

1. Decide whether you need one line of authority or both. If both, the combined exam is the cheaper and faster route.
2. Prepare with a focused course built for the outline you are actually sitting, so a retake is not the one you need.
3. Book and pass your exam(s) through Prometric, schedule your fingerprint appointment as soon as you pass, and file your application with the Bureau of Insurance ($30 for both qualifications) within the 183-day window.

LanePrep covers step 2: nine audio chapters built from the Series 11-01 content outline, each with its own quiz, for $14.99 per month or $79 once. Chapters 1 and 9 are free. For the exam itself — format, weights and a week-by-week plan — read how to pass the Virginia Life & Health exam on the first try.

Fees, scheduling rules and the continuing-education structure come from Prometric's Virginia Licensing Information Bulletin (effective December 13, 2024), the Virginia State Corporation Commission's Lines of Authority & Application Fees page, and its Continuing Education Requirements page. Read October 2026.