What type of license is needed to sell a life insurance policy with a long-term care rider in Virginia?

To sell a life insurance policy with a long-term care rider in Virginia, a life and health insurance license is required. This type of license encompasses the ability to sell both life insurance products and health-related policies, which includes long-term care insurance.

In Virginia, the combination of life and health insurance licensing ensures that agents are adequately trained and knowledgeable about both areas, allowing them to understand the nuances of policies that include long-term care components. This is essential since long-term care riders can add complexity to life insurance products, and agents need to provide appropriate guidance to clients.

The other options do not fully qualify since a limited life insurance license is typically restricted to specific types of life insurance products, and a long-term care insurance license would focus solely on long-term care policies without covering the life insurance aspect. A general insurance license, which might cover various insurance products, is not specific enough for the combination of life and health products required to sell life policies with long-term care riders. Therefore, the life and health insurance license is the most comprehensive and suitable option for this scenario.