Application Fees and Lines of Authority by Classes of Insurance

Exam Required. A non-refundable $15 per qualification per application processing fee required.

Health Qualification

Classes of Insurance include:
Accident and Sickness; Credit Accident and Sickness; Dental Benefit Contracts; Dental Services Plans; Dental Plan Organizations; Health Maintenance Organizations; Health Services Plans; Long-Term Care; Medicare Supplement; Mortgage Accident and Sickness; Mutual Assessment Health; Optometric Services Plans

Life and Annuities Qualification

Classes of Insurance include:
Annuities (except Variable); Burial; Credit Life; Industrial Life; Life; Modified Guaranteed Annuities; Modified Guaranteed Life; Mortgage Redemption; Mutual Assessment Life

Personal Lines Qualification

Classes of Insurance include:
Aircraft; Animal; Burglary and Theft; Credit Involuntary Unemployment; Credit Property; Farm-owners; Fire; Glass; Home Protection; Homeowners; Legal Services; Marine; Miscellaneous Property; Mortgage Guaranty; Motor Vehicle; Mutual Assessment Property & Casualty; Personal Injury Liability; Pet Accident, Sickness and Hospitalization; Property Damage Liability; Travel; Water Damage

Property and Casualty Qualification*

Classes of Insurance include:
Boiler and Machinery; Commercial Multi-Peril, Credit; Fidelity; Surety; Workers' Compensation & Employers Liability
*Includes the Personal Lines classes of insurance

Title Qualification

"Title Insurance Agent" means an agent licensed in the Commonwealth to sell, solicit, or negotiate title insurance, and performing all of the services set forth in § 38.2-4601.1, on behalf of title insurance companies licensed under Chapter 46 (§ 38.2-4600 et seq.).

Residents applying for a Title license must complete a 16-hour pre-licensing study course and pass the Title examination within one year from the date the study course is completed.

Variable Contracts Qualification

"Variable Contract Agent" means an agent licensed in the Commonwealth to sell, solicit, or negotiate variable life insurance and variable annuity contracts on behalf of insurers licensed in the Commonwealth.

Resident applicants MUST hold a Life & Annuities Line of Authority. All applicants are required to have passed either the Series 6 or Series 7 FINRA exam.

No exam required. A non-refundable $15 per qualification per application processing fee required.

Limited Lines Credit Insurance

Includes all of the following:
Credit Life & Health; Credit Involuntary Unemployment; Credit Property; Mortgage Accident & Sickness; Mortgage Redemption; Mortgage Guaranty

Limited Lines Life & Health

Includes all of the following:
Dental Services Plans; Dental Benefit Contracts; Limited Burial; Mutual Assessment L&H; Optometric Services Plan

Limited Lines Property & Casualty

Includes all of the following:
Home Protection; Legal Services; Mutual Assessment P&C; Ocean Marine; Pet Accident, Sickness & Hospitalization; Portable Electronics; Self Storage Insurance; Travel Insurance

No exam required. A non-refundable $15 per application processing fee required.

Includes:
Portable Electronic Insurance (PEI); Self Storage Insurance; Travel Insurance

Exam Required. A non-refundable $50 per qualification per application processing fee required.

Life & Health Consultant

Consultant whose services are limited to:
Life; Credit Life; Industrial Life; Variable Life; Modified Guaranteed Life Insurance; Annuities; Charitable Gift Annuities; Variable Annuity; Modified Guaranteed Annuity; Credit Accident and Sickness; Accident and Sickness; and Health Services

Property & Casualty Consultant

Consultant whose services are limited to:
Fire; Miscellaneous Property and Casualty; Water Damage; Burglary and Theft; Glass Insurance; Boiler and Machinery; Animal; Personal Injury Liability; Property Damage Liability; Workers’ Compensation and Employers Liability; Fidelity; Surety; Credit; Motor Vehicle; Aircraft; Marine; Legal Services Insurance; Mortgage Guaranty Insurance; Home Protection Insurance; Homeowners Insurance; Farmowners Insurance; Commercial Multi-peril Insurance; Contingent and Consequential Losses

No exam required. A non-refundable $500 per application processing fee required.

"Managing General Agent" means any person who manages all or part of the insurance business of an insurer, including the management of a separate division, department or underwriting office; and who acts as an agent for such insurer whether known as a managing general agent, manager or other similar term, who, with or without the authority, either separately or together with affiliates, produces, directly or indirectly, and underwrites an amount of gross direct written premium equal to or exceeding five percent of the surplus to policyholders of the insurer as reported in the last annual statement of the insurer in any one quarter or year together with one or more of the following: (i) adjusts or pays claims in excess of an amount determined by the Commission or (ii) negotiates reinsurance on behalf of the insurer.

No exam required. A non-refundable $15 per application processing fee required.

"Motor Vehicle Rental Contract Insurance Agent" means a person who (i) is a selling agent of a motor vehicle rental company that is in the business of providing primarily private passenger motor vehicles to the public under a rental agreement for a period of less than six months and (ii) whose license in the Commonwealth is restricted to selling, soliciting, or negotiating only the following insurance coverages, and solely in connection with and incidental to the rental contract:

  1. Personal accident insurance that provides benefits in the event of accidental death or injury occurring during the rental period;
  2. Liability coverage sold to the renter in excess of the rental company's obligations under § 38.2-220438.2-2205, or Title 46.2, as applicable;
  3. Personal effects insurance that provides coverages for the loss of or damage to the personal effects of the renter and other vehicle occupants while such personal effects are in or upon the rental vehicle during the rental period;
  4. Roadside assistance and emergency sickness protection programs; and
  5. Other travel-related or vehicle-related insurance coverage that a motor vehicle rental company offers in connection with and incidental to the rental of vehicles.

The term "Motor Vehicle Rental Contract Insurance Agent" does not include motor vehicle rental contract enrollers.

No exam required. A non-refundable $15 per application processing fee required.

"Navigator" means an individual or entity described in 42 U.S.C. § 1311 (i)(2) that is selected to perform the activities and duties identified in 42 U.S.C. § 18031 (i) in the Commonwealth. "Navigator" does not include an individual or entity licensed as an agent under Chapter 18 (§ 38.2-1800 et seq.) of this title to sell, solicit, or negotiate contracts of insurance or annuity in the Commonwealth.

Exam Required. A non-refundable $250 per application processing fee required.

"Public Adjuster" means an individual or business entity who receives, either directly or indirectly, a salary, fee, commission, or other compensation for engaging in public adjusting.

"Public Adjusting" means investigating, negotiating, adjusting, or providing advice to an insured in relation to first party claims arising under insurance contracts that insure the real or personal property of an insured for the purpose of effecting the settlement of a claim on behalf of the insured. Public adjusting includes advertising or representing oneself as a public adjuster; however, public adjusting does not include acting in any manner in relation to liability claims for personal injury or property damage, other third-party claims, or uninsured or underinsured bodily injury liability claims. A licensed insurance agent who only provides advice to an insured in relation to first party claims arising under insurance contracts sold, solicited, or negotiated by the agent that insure the real or personal property of an insured shall not be deemed to be engaged in public adjusting.

No exam required. A non-refundable $500 per application processing fee required.

"Reinsurance Intermediary Broker" means any person, other than an officer or employee of the ceding insurer, who, without the power to bind the ceding insurer, solicits, negotiates or places reinsurance cessions or retrocessions on behalf of a ceding insurer or otherwise negotiates with a ceding insurer concerning reinsurance cessions or retrocessions.

Reinsurance Intermediary Application

No exam required. A non-refundable $500 per application processing fee required.

"Reinsurance Intermediary Manager" means any person who (i) has authority to bind reinsurance risks or (ii) manages all or part of the assumed reinsurance business of a reinsurer, including the management of a separate division, department or underwriting office, and acts as an agent for such reinsurer whether known as a reinsurance intermediary manager or other similar term.

Reinsurance Intermediary Application

No exam required. A non-refundable $50 per application processing fee required.

"Surplus Lines Broker" means an individual or business entity licensed pursuant to Article 5.1 of Chapter 18 to sell, solicit, or negotiate insurance on properties, risks, or exposures located or to be performed in this Commonwealth with nonadmitted insurers.

"Surplus Lines Insurance" means any property and casualty insurance permitted to be placed directly by an insured or through a surplus lines broker with an eligible nonadmitted insurer.

Resident applicants are required to hold an active Property & Casualty license and certify that they have a $25,000 Surety Bond in favor of the Commonwealth with corporate sureties licensed by the Commission. The bond must be effective for the duration of the license.

No exam required. A non-refundable $15 per qualification per application processing fee required.

Temporary Life & Health Qualification
Temporary Life & Health (Debit Only) Qualification
Temporary Property & Casualty Qualification

Prior to applying for the Temporary license, please contact the Agent Licensing Section either by phone (804) 371-9631 or by email at AgentLicensing@scc.virginia.gov.

Temporary individual licenses providing for life and health insurance authority or property and casualty insurance authority shall be issued by the Commission only for the reasons indicated in § 38.2-1830.

Temporary License Application

No exam required. A non-refundable $50 per application processing fee required.

"Viatical Settlement Broker" means a person that on behalf of another and for a fee, commission or other valuable consideration introduces viators to viatical settlement providers, or offers or attempts to negotiate viatical settlement contracts between a viator and one or more viatical settlement providers. Persons offering life settlements must be licensed as a Viatical Settlement Broker.

A viatical settlement broker may act as agent for a viatical settlement provider or on behalf of the viator, provided that a viatical settlement broker shall not be deemed to act exclusively for the viator unless, pursuant to written agreement between the parties, the broker agrees (i) to disclose fully all interests in the viatical settlement contract and relationships with the viatical settlement provider, including its affiliates and appointed or contracted agents, and (ii) that compensation for services as a viatical settlement broker shall be paid directly and only by the viator. The term does not include an attorney, certified public accountant, or a financial planner accredited by a nationally recognized accreditation agency, who is retained to represent the viator and whose compensation is not paid directly or indirectly by the viatical settlement provider or viatical settlement purchaser.