Failed the Virginia Life, Annuities & Health Exam? Retake Rules, Waiting Periods and Fees (2026)

If you fail the Virginia Life, Annuities and Health exam, you can try again. You must wait 24 hours before you schedule a reexamination. After a third consecutive failure, Virginia law requires a 30-calendar-day waiting period before you can retake. Each attempt costs $35, whichever exam you sit.

The material we work from describes no lifetime cap on attempts. It describes the two waits above and the fee for each sitting.

• After a failure: 24 hours before you can schedule a reexamination.
• After a third consecutive failure: 30 calendar days before you can retake.

The 24-hour wait is short enough that a retake the next day is possible on paper. It is rarely a good idea. A score report that shows which areas were weak is worth a few days of targeted work, and each retry costs money.

Retaking the combined exam is $35 each time. If you failed one half of a split route, you retake only that single-line exam for $35. Our Virginia license cost guide adds up the full path.

• Registration: an exam registration expires if unused 90 calendar days after it is processed.
• A passing result: stays valid for 183 calendar days (about six months) for submitting your license application.
• The application itself: an application with incomplete documentation closes after 30 calendar days, and you would need a new application and a new, non-refundable processing fee.

Passing the exam does not by itself make you licensed. Apply promptly after you pass.

1. Use the score report. Prometric reports results in percentage terms. Note the content areas where you were weakest, and rebuild your plan around them.
2. Re-weight your time. The outline gives 11% each to Policy Provisions, Options and Riders, to Individual Health Policy General Provisions, and to Senior and Special Needs Insurance, and 10% each to Regulation and Life Insurance Policies. Fix those first.
3. Add the Virginia layer. The outline cites Virginia statutes and rules throughout, so practise the state-specific questions in our free practice set.
4. Practise in scenarios, under time. The combined exam is 150 minutes for 150 questions.
5. Consider the split route. If one line dragged you down, the single-line exams are 120 minutes each.

Pass rates give some context. In 2025, first-time candidates passed the combined exam at 70.4%. There is no published figure for repeat takers. For the data and its caveats, read is the Virginia exam hard.

A failed attempt is information, not a verdict. Before you pay another $35, spend a few days on the sections where the score report was weakest, redo the practice questions you missed and say out loud why each wrong option is wrong. Candidates who simply rebook and repeat the same preparation tend to repeat the same result, and the third consecutive failure brings the 30-calendar-day wait.

Book the next sitting inside your 90-day registration window if you already hold a registration, and keep the 183-day validity of a passing result in mind once you do pass, so the license application is not left waiting.

Take a rest day, then start again with a plan. The LanePrep Virginia course preview lets you hear the lessons and test yourself. When you rebook, review what exam day looks like, and for the full approach see how to pass on the first try (the same method works on a second try).