Virginia Life & Health Insurance Practice Test 2026
Practice the exam Virginia uses, from general life & health knowledge to Virginia's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Virginia's own insurance law.
Life 90, Health 90, Combined 140 scored questions. The time limit and passing score are set by Virginia; check the candidate handbook.
Last verified September 2026 · Life and Annuities Insurance Examination (Series 11-05) Exam Content Outline
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Master each topic before your Virginia exam. First 4 topics are free to start.
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About the Virginia Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Virginia Life & Health test
Virginia's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Insurance Regulation15 Qs
- General Insurance9 Qs
- Life Insurance Basics14 Qs
- Life Insurance Policies18 Qs
- Life Insurance Policy Provisions, Options and Riders16 Qs
- Annuities10 Qs
- Federal Tax Considerations for Life Insurance and Annuities4 Qs
- Qualified Plans4 Qs
- Insurance Regulation15 Qs
- General Insurance9 Qs
- Health Insurance Basics11 Qs
- Individual Health Insurance Policy General Provisions14 Qs
- Disability Income and Related Insurance8 Qs
- Medical Plans9 Qs
- Group Health Insurance7 Qs
- Dental Insurance (14 VAC 5-141-70)2 Qs
- Insurance for Senior Citizens and Special Needs Individuals13 Qs
- Federal Tax Considerations for Health Insurance2 Qs
- Insurance Regulation14 Qs
- General Insurance8 Qs
- Life Insurance Basics8 Qs
- Life Insurance Policies14 Qs
- Life Insurance Policy Provisions, Options and Riders16 Qs
- Annuities8 Qs
- Federal Tax Considerations for Life Insurance and Annuities3 Qs
- Qualified Plans3 Qs
- Health Insurance Basics8 Qs
- Individual Health Insurance Policy General Provisions16 Qs
- Disability Income and Related Insurance7 Qs
- Medical Plans8 Qs
- Group Health Insurance7 Qs
- Dental Insurance2 Qs
- Insurance for Senior Citizens and Special Needs Individuals15 Qs
- Federal Tax Considerations for Health Insurance3 Qs
Source: Three separate Prometric outlines, none of which prints a revision or effective date: Series 11-05 "90 scored (15 pre-test) questions – Two-hour time limit"; Series 11-06 "90 scored (15 pre-test) questions – Two-hour time limit"; Series 11-01 "140 scored (10 pretest) questions – 2.5-hour time limit". PDF CreationDates 2025-03-18 (11-05), 2026-05-20 (11-06 and 11-01); the Virginia Licensing Information Bulletin that links them is "Effective as of December 13, 2024". (Virginia Life and Annuities Insurance Examination (Series 11-05) Exam Content Outline; Virginia Health Insurance Examination (Series 11-06) Exam Content Outline; Virginia Life, Annuities, and Health Insurance Examination (Series 11-01) Exam Content Outline). Confirm current weights with the testing company before you book.
What to bring to the Virginia exam
Virginia official sources
- Records; fiduciary duties of agentsVirginia Code s. 38.2-1809 · Virginia General Assembly (law.lis.virginia.gov)
- License required; agentsVirginia Code s. 38.2-1822 · Virginia General Assembly (law.lis.virginia.gov)
- Reporting of actions; agentsVirginia Code s. 38.2-1826 · Virginia General Assembly (law.lis.virginia.gov)
- Prohibited practices; grounds for license refusal, suspension, or revocationVirginia Code s. 38.2-1831 · Virginia General Assembly (law.lis.virginia.gov)
- Appointment of agentsVirginia Code s. 38.2-1833 · Virginia General Assembly (law.lis.virginia.gov)
- Termination of agent appointmentVirginia Code s. 38.2-1834 · Virginia General Assembly (law.lis.virginia.gov)
- Appointment of agentsVirginia Code s. 38.2-1837 · Virginia General Assembly (law.lis.virginia.gov)
- Continuing educationVirginia Code s. 38.2-1845 · Virginia General Assembly (law.lis.virginia.gov)
All Virginia insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Virginia provisions the questions on this page cite most often.
- Va. Code § 38.2-1809 · Power to Investigate3 questions
- Va. Code § 38.2-1822 · License Required of Agents3 questions
- Va. Code § 38.2-1826 · Requirement to report to Commission3 questions
- Va. Code § 38.2-1831 · Grounds for License Discipline3 questions
- Va. Code § 38.2-1833 · Appointments of Agents3 questions
- Va. Code § 38.2-1834 · Duration of Appointment3 questions
- Va. Code § 38.2-1837 · Consultant Exclusions3 questions
- Va. Code § 38.2-1845 · Nonresident Licensing; Reciprocal Agreements3 questions
Exam figures on this page were checked against official pages: Testing company · Exam fee · License fee. Confirm anything you rely on with the testing company and the Virginia Department of Insurance.