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Life & Health Insurance Producer (Virginia)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team
TL;DR

Life & Health Insurance Producer (Virginia): a 155-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (65%) and healthcare.gov (16%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
155
questions in the bank
What this exam covers
5 real sample questions
A Virginia agent holds both a life and annuities agent license and a health agent license (no property and casualty authority). She wants to sell both life insurance and health insurance on behalf of the same insurer. Under Virginia Code § 38.2-1827, what appointment(s) must the insurer obtain for her?
A. A single life and health appointment, since Virginia groups life and annuities authority together with health authority under one appointment category
B. Two separate appointments, one for life and annuities and a second, distinct one for health
C. No appointment is required because she already holds both individual producer licenses
D. A property and casualty appointment in addition to a life appointment
Source: Va. Code § 38.2-1827
A Virginia resident wants authority to sell both life insurance/annuities and health insurance. Under §§ 38.2-1815 and 38.2-1815.1 of the Code of Virginia, how must this individual qualify for that combined authority?
A. By passing the health agent examination only, since passing it automatically confers life and annuities authority as well
B. No examination is required for either line once the individual is licensed in any other class of insurance
C. By passing one combined life-and-health licensing examination that covers both lines in a single test
D. By passing two separate Commission-prescribed examinations: one to obtain the life and annuities agent license under § 38.2-1815, and a separate one to obtain the health agent license under § 38.2-1815.1
Source: Va. Code §§ 38.2-1815, 38.2-1815.1
An applicant applies at the same time for a life and annuities agent license and a health agent license in Virginia. Under § 38.2-1819, how is the nonrefundable application processing fee assessed?
A. One flat processing fee applies no matter how many lines of authority the application covers
B. The fee for the second line is automatically waived when both lines are applied for together
C. A separate fee of not less than $10 nor more than $20 is charged per line of authority, so applying for both the life and annuities line and the health line costs more than applying for a single line
D. The fee amount depends on which of the two lines had the higher examination pass rate that year
Source: Va. Code § 38.2-1819
An agent who holds combined life-and-health authority in Virginia is replacing a client's existing individual accident and sickness (health) insurance policy. Do the replacement-disclosure procedures of 14VAC5-30 (Rules Governing Life Insurance and Annuity Replacements) govern this transaction?
A. No, because 14VAC5-30-10 states the rule's purpose is to protect life insurance and annuity purchasers in replacement transactions, and its scope does not extend to health insurance replacements
B. Yes, because 14VAC5-30 applies to any transaction handled by an agent who holds combined life and health authority, regardless of the product being replaced
C. Yes, but only if the health policy being replaced also carried a life insurance rider
D. No, because Virginia has no replacement-disclosure requirements anywhere in its administrative code for health insurance policies
Source: 14VAC5-30-10
An insurer appoints an agent under its combined life and health appointment category, but in Virginia the agent is licensed only as a health agent and has not obtained a life and annuities agent license. Under § 38.2-1824, may this agent sell life insurance policies for the appointing insurer?
A. Yes, because being placed in the life and health appointment category itself confers authority to sell both lines regardless of the agent's underlying license
B. No, because under § 38.2-1824 the agent's authority is limited to what his license provides and is not expanded by his appointment or by his contractual agreement with the insurer
C. Yes, but only for term life insurance policies specifically
D. No, because only business entities, not individual agents, may ever hold a life and health appointment
Source: Va. Code § 38.2-1824
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (VA)May 2025$60,520/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life & Health Insurance Producer (Virginia) practice test?
155 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Life & Health Insurance Producer (Virginia) test cover?
9 domains, with the heaviest weight on Annuities, Tax, Retirement, Government Programs, and Consumer Accounts (16%), Applications, Underwriting, Delivery, and Field Responsibilities (16%), and Ethics, Suitability, Advertising, and General Regulation (16%).
Where do CertQuestUSA's Life & Health Insurance Producer (Virginia) questions come from?
Primarily content.naic.org (65%) and healthcare.gov (16%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Life & Health Insurance Producer (Virginia)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
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