Washington Life & Disability Insurance License Practice Exam
130 scored questions, 3 hours 15 minutes, 70% to pass (single combined score). Covers RCW Title 48, WAC 284, WA Cares Fund, and elected OIC Commissioner. No pre-licensing required in Washington.
Washington Life & Disability — Study by Topic
Drill Washington state law (~45 scored Qs, the largest section) or practice national concepts. Full 130-question timed exam available.
Life Insurance
Term, whole life, universal life, variable life, annuities, riders, nonforfeiture, settlement options, beneficiaries, underwriting.
Health & Disability
Individual/group health, disability income, LTC, Medicare, Medicare supplement (A–N), COBRA, ACA, managed care.
Washington State Law
Elected OIC Commissioner, RCW 48, WAC 284, WA Cares Fund, HCSC/HMO, DRLP, unfair trade practices, guaranty association, annuity best interest.
Policy Provisions
Contract law, insurable interest, beneficiaries, assignments, taxation, HSA/HRA/FSA, Social Security, ACA metallic plans.
🌟 Full WA Exam
130-question timed exam simulating the real PSI Washington Life & Disability exam. 3 hrs 15 min. 70% single score to pass.
About the Washington Life & Disability Insurance License Exam
To get your Washington Life & Health insurance license, you must pass the state licensing exam administered by Pearson VUE with a passing score of 70%. Exam fee: $65. Washington is regulated by the Washington State Office of the Insurance Commissioner (OIC) under Revised Code of Washington Title 48. Visit insurance.wa.gov for official licensing information. Commissioner ELECTED; IDEMIA IdentoGO fingerprinting (WAOIC service code); Pearson VUE; 20-hr pre-licensing; Washington HEALTH plan (state-run); WA L&H Guaranty Association; Title 48 RCW; OIC at 5000 Capitol Blvd SE, Tumwater WA 98501.
Pre-licensing education in Washington: 20 hours per line. Continuing education: 24 hours biennial. License renewal fee: biennial. CE must be completed before submitting your Washington renewal application. How to get licensed in Washington: complete pre-licensing → submit background check/fingerprinting → pass Pearson VUE exam → apply for Washington producer license.
How to get a Washington Life & Health insurance license in 2026: The Washington State Office of the Insurance Commissioner (OIC) (insurance.wa.gov) administers all producer licensing in Washington. Exam: Pearson VUE, $65, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your Washington Life & Health license by completing 24 hours biennial and paying the biennial renewal. For questions contact the Washington State Office of the Insurance Commissioner (OIC).
OIC (insurance.wa.gov). RCW Title 48. Commissioner ELECTED (unique). IDEMIA IdentoGO fingerprinting (WAOIC code). Pearson VUE. 20-hr pre-licensing. WA L&H Guaranty Association. Washington HEALTH plan. Commissioner Kim Cromwell (elected).
Frequently Asked Questions — Washington Life & Disability Exam
How do I get a Washington Life & Health insurance license?
To become a licensed Life & Health producer in Washington: (1) Complete any required pre-licensing education (20 hours per line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Pearson VUE exam ($65, 70%); (4) Apply for your Washington producer license. The Washington State Office of the Insurance Commissioner (OIC) (insurance.wa.gov) oversees all insurance producer licensing in Washington.
What exam does Washington use for Life & Health insurance licensing?
Washington uses Pearson VUE to administer the Life & Health insurance licensing exam. Fee: $65. Passing score: 70%. Commissioner ELECTED; IDEMIA IdentoGO fingerprinting (WAOIC service code); Pearson VUE; 20-hr pre-licensing; Washington HEALTH plan (state-run); WA L&H Guaranty Association; Title 48 RCW; OIC at 5000 Capitol Blvd SE, Tumwater WA 98501.
Does Washington require pre-licensing for Life & Health insurance?
20 hours per line. For official pre-licensing provider information, visit insurance.wa.gov.
What are Washington's CE requirements for Life & Health producers?
Washington requires: 24 hours biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Washington State Office of the Insurance Commissioner (OIC) at insurance.wa.gov for CE provider information.
What makes Washington unique for Life & Health insurance licensing?
Commissioner ELECTED; IDEMIA IdentoGO fingerprinting (WAOIC service code); Pearson VUE; 20-hr pre-licensing; Washington HEALTH plan (state-run); WA L&H Guaranty Association; Title 48 RCW; OIC at 5000 Capitol Blvd SE, Tumwater WA 98501.
Practice Exam Questions — Washington Life & Health
5 state-specific questions drawn from the Washington exam content outline. Correct answer highlighted in green.
Washington State's Insurance Commissioner is:
- ELECTED by Washington State voters — OIC: insurance.wa.gov; 5000 Capitol Blvd SE, Tumwater WA 98501; RCW Title 48
- Appointed by the Governor
- Appointed by the Legislature
- Selected by the Washington Supreme Court
Washington State L&H exams are administered by:
- PSI Services LLC
- Prometric
- Pearson VUE — in-person or OnVUE remote; exam fee $65; 70% to pass; 20-hr pre-licensing per line; IDEMIA IdentoGO fingerprinting (WAOIC code); Commissioner ELECTED
- OIC directly
Washington State fingerprinting uses:
- Fieldprint
- Standard IdentoGO
- IDEMIA IdentoGO with the WAOIC (Washington OIC) service code — candidates must use the specific WAOIC code to ensure results route correctly to OIC; different from other IdentoGO states which use their own codes
- At the Pearson VUE test center on exam day
Washington CE requires:
- 24 hours biennial — OIC-approved providers; Commissioner ELECTED; renewal biennial; RCW Title 48; Annuity Best Interest required; LTC training required
- 30 hours triennial
- 16 hours biennial
- 12 hours annual
Washington State's primary insurance statute is:
- RCW Title 19 — Business Regulations
- Revised Code of Washington (RCW) Title 48 — Insurance; OIC at insurance.wa.gov; 5000 Capitol Blvd SE, Tumwater WA 98501; Commissioner ELECTED; Pearson VUE OnVUE; 20-hr pre-licensing; IDEMIA IdentoGO WAOIC code
- Washington Administrative Code Title 284
- RCW Title 46 — Motor Vehicles