Washington Life & Disability Insurance License Practice Exam
Washington offers separate Life and Disability exams (100 questions each) and a combined Life and Disability exam (150 questions, 195 minutes), all administered by PSI. 70% to pass. No pre-licensing education is required.
Washington Life & Disability — Study by Topic
Drill Washington state law (45 items on the combined exam) or practice national life and disability concepts. A 130-question timed practice exam is also 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
RCW 48 and WAC 284: Commissioner powers, licensing and appointments, marketing practices, producer duties, replacement, annuity suitability, HCSCs and HMOs, long-term care education.
Policy Provisions
Contract law, insurable interest, beneficiaries, assignments, taxation, HSA/HRA/FSA, Social Security, ACA metallic plans.
🌟 Full WA Exam
130-question timed practice exam modeled on the combined PSI Washington Life & Disability exam (150 items, 195 minutes). 70% to pass.
About the Washington Life & Health Insurance Exam
The Washington Life and Disability producer exams are administered by PSI Services for the Washington Office of the Insurance Commissioner (OIC). Washington licenses Life and Disability (accident, health and disability or sickness) as separate lines of authority (RCW 48.17.170), and you can test for each line on its own or take the combined Life and Disability exam. Applicants must be at least 18, and since July 23, 2023 Washington no longer requires pre-licensing education to take a producer exam. You can test at one of 10 PSI test centers or remotely if you qualify.
The Life exam and the Disability exam each have 100 questions in 150 minutes, and the combined Life and Disability exam has 150 questions in 195 minutes. A small number of unscored experimental items may be added, and they count against your time. You need 70% to pass. The exam fee is $38 for a single line and $55 for the combined exam, and after you pass you must submit your license application within 180 days or retake the exam.
Washington Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Federal Laws and Regulations | 2 | Fair Credit Reporting Act, 18 U.S.C. 1033 and 1034 (letter of written consent), Affordable Care Act metallic plans |
| WA — Washington Laws, Rules, and Regulations | 45 | RCW Title 48 and WAC Title 284: Commissioner powers, licensing, appointments and terminations, continuing education, marketing and unfair practices, producer responsibilities, compensation; life replacement, illustrations, annuity suitability, policy clauses, group life; disability marketing, Medicare Supplement, long-term care education, health care false claims, HCSCs and HMOs |
| General Insurance Concepts | 10 | Risk, insurable risks, insurer classifications, contract elements, agency law, good faith, fraud, warranties, representations, concealment |
| Life, Accident and Health Insurance Basics | 16 | Insurable interest, needs analysis, premium factors, underwriting and application, risk classifications, perils and losses |
| Types of Life Insurance Policies | 12 | Term, whole life, adjustable, universal, variable, variable universal and indexed universal life, joint, survivorship, juvenile, group and credit |
| Life Insurance Policy Provisions, Options, and Riders | 17 | Standard provisions, beneficiaries, settlement options, nonforfeiture, loans, dividend options, disability, additional insured, death benefit and accelerated benefit riders |
| Annuities | 9 | Accumulation and annuity periods, immediate and deferred, payment options, fixed, equity indexed and variable products |
| Individual Accident and Health Policy Provisions | 10 | Uniform required and optional provisions, claims procedures, legal actions, free look, coinsurance, probationary and elimination periods |
| Disability Income and Related Insurance | 8 | Disability definitions, individual and group disability income, riders, waiver of premium, business and Social Security disability |
| Medical Plans | 6 | Fee-for-service and prepaid plans, major medical, HMOs, PPOs, managed care tools, HIPAA |
| Group Health Insurance | 4 | Group contracts and certificates, eligibility, contributory plans, conversion, COBRA, coordination of benefits |
| Health Insurance for Senior Citizens and Special Needs Individuals | 5 | Medicare Parts A through D, Medicare Supplement, Medicaid |
| Federal Tax Considerations for Life and Health Insurance | 6 | Taxation of life insurance and health premiums and benefits, modified endowment contracts, HSAs, HRAs, FSAs, HDHPs |
Counts are from the PSI Washington Life and Disability Producer content outline for the combined exam (150 items, 195 minutes). The single-line Life and Disability exams (100 items each) draw on the same content; their section counts were not retrieved. Unscored experimental items are added on top of the scored items.
What Makes the Washington Life & Health Exam Different
Separate or combined exams. PSI offers a Life exam and a Disability exam (100 questions, 150 minutes, $38 each) and a combined Life and Disability exam (150 questions, 195 minutes, $55). The combined exam costs less than two single-line exams ($76) and takes one sitting (PSI Candidate Information Bulletin for the Washington OIC).
No pre-licensing education. The OIC states that, effective July 23, 2023, Washington no longer requires pre-licensing education to take a producer exam. You can schedule the PSI exam without a course certificate, and you do not need to be fingerprinted before you test.
Fingerprints come after the exam. Resident applicants pass the exam, submit the license application, and only then schedule e-fingerprinting with IDEMIA IdentoGO, selecting the Washington Office of the Insurance Commissioner. The OIC lists the fee as $49 and says it rises to $52 on October 1, 2026. The OIC cannot issue the license until it receives the background check results.
Long-term care training. To sell long-term care insurance you need the Disability line, an approved 8-hour initial LTC course and a 4-hour refresher every 24 months. Selling a Washington Supplemental LTC policy, which pays after WA Cares benefits are exhausted, also needs a one-time 1-credit course (OIC long-term care training page).
Appointments. Under RCW 48.17.160 a producer may not act as an agent of an insurer unless that insurer has appointed the producer. The insurer pays the appointment fee ($20 on the OIC fee schedule) and must notify the Commissioner when it ends the appointment.
Remote testing rules. Remote proctored testing requires a laptop or desktop, and starting August 3, 2026 PSI requires a smartphone as a second camera. You must start within 15 minutes of your booked time or forfeit the fee, and no breaks are allowed.
Sample Washington Life & Health Insurance Exam Questions
1. Under RCW 48.17.160, what must be true before a Washington producer acts as an agent of a particular insurer?
2. What long-term care training must a Washington producer with the Disability line complete before selling long-term care insurance?
3. A Washington resident passes the PSI Life and Disability exam. Within how many days must the application materials be submitted, or the exam retaken?
Study Tips for the Washington Life & Health Exam
The Washington section is 45 of the 150 items on the combined exam, the largest single section. The outline splits it into laws common to Life and Disability (licensing, appointments, marketing practices and producer responsibilities), Life-only laws (replacement, illustrations, annuity suitability, policy clauses and group life) and Disability-only laws (Medicare Supplement, long-term care education, health insurance reform, HCSCs and HMOs). Learn the common laws first.
The general content leans on life policy provisions, options and riders (17 items), life policy types (12), individual accident and health provisions (10) and annuities (9). Disability income (8), medical plans (6) and Medicare and Medicaid (5) are smaller but easy to lose points on if you skip them.
The bulletin sets a single 70% passing standard and there is no limit on retakes, although you cannot retest on the same day. Your score appears on screen at the end of the exam and a score report is emailed to you.
Also licensing in property or casualty? See our Washington Property & Casualty practice exam. National content is in our life and health practice exam, and our insurance license exam study guide covers exam strategy.
How to Get Your Washington Life & Health Insurance License
There are four steps to get your Washington insurance producer license for the Life and Disability lines.
Steps to Get Your Washington Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Choose Your Exam | Washington no longer requires pre-licensing education, so you can go straight to the exam. Choose the Life exam, the Disability exam or the combined Life and Disability exam. You must be at least 18. |
| 2. Schedule and Pass the PSI Exam | Register with PSI and pay $38 for a single line or $55 for the combined exam. Bring one valid, unexpired photo ID that matches your registration name, and score at least 70%. Reschedule at least 2 days ahead to keep your fee. |
| 3. Apply Through NIPR | Submit your application within 180 days of passing. The initial full-lines producer license fee is $55. Residents cannot schedule fingerprints until the application is submitted. |
| 4. Get Fingerprinted | Schedule e-fingerprinting with IDEMIA IdentoGO using your OIC or NIPR transaction number and select the Washington OIC. The OIC issues the license after it receives your background check. An insurer must appoint you before you act as its agent. |
Washington Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Life and Disability (accident, health and disability or sickness); Washington also licenses Property, Casualty and Personal Lines |
| Pre-license education | None required since July 23, 2023 |
| Exams | Life: 100 questions, 150 minutes; Disability: 100 questions, 150 minutes; combined Life and Disability: 150 questions, 195 minutes |
| Passing score | 70% |
| Exam fee | $38 for a single-line exam; $55 for the combined Life and Disability exam |
| Unscored items | One to ten experimental items (about 10%) may be added; they are not scored but count against exam time |
| Retakes | No limit; you cannot schedule a new exam on the same day as a prior one |
| Apply after passing | Within 180 days of passing the exam, or retake it |
| Fingerprints | Required for residents, after the exam and application, through IDEMIA IdentoGO ($49, rising to $52 on October 1, 2026) |
| License fees | $55 initial and $55 renewal for full lines; late renewal $82.50 (up to 30 days) or $110 (31 to 60 days); reinstatement $165 |
| Continuing education | 24 credits per renewal period, including 3 ethics; excess credits do not carry over |
| Long-term care | 8-hour initial course and 4-hour refresher every 24 months; Disability line required |
| Appointments | Required before acting for an insurer (RCW 48.17.160); $20 fee, paid by the insurer |
| Exam provider | PSI Services (10 Washington test centers or remote testing if eligible) |
| Licensing authority | Washington Office of the Insurance Commissioner |
Verified against the PSI Candidate Information Bulletin for the Washington OIC (revised August 3, 2026), the PSI Washington Life and Disability content outline, the Office of the Insurance Commissioner's licensing, fee, continuing education and fingerprint pages, and RCW 48.17. Fees and requirements change; confirm current figures with the OIC and PSI before you apply.
Our free Washington Life & Health practice exam covers general and Washington content. You can also try the national life and health practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Washington Life & Health Insurance Exam
How many questions are on the Washington Life and Disability exams?
The Life exam and the Disability exam each have 100 questions. The combined Life and Disability exam has 150 questions, of which 45 cover Washington laws, rules and regulations. One to ten unscored experimental items may be added and are not counted toward your score.
What is the passing score for the Washington insurance exam?
70%. The PSI bulletin and the OIC both state that you must get 70% correct to pass.
How much time do I get on the Washington Life and Disability exam?
The Life and Disability exams each allow 150 minutes, and the combined Life and Disability exam allows 195 minutes. Experimental items count against exam time.
Does Washington require pre-licensing education for insurance producers?
No. Effective July 23, 2023, Washington no longer requires pre-licensing education to take the producer exam. Adjusters have separate eligibility rules.
How much does the Washington Life and Disability exam cost?
$38 for the Life exam or the Disability exam and $55 for the combined exam, paid to PSI. Fees are non-refundable and non-transferable, though you can reschedule without losing the fee if PSI gets notice at least 2 days before the exam.
Do I need fingerprints for a Washington insurance producer license?
Residents do, but not before the exam. You pass the exam, submit your application, then schedule e-fingerprinting with IDEMIA IdentoGO and select the Washington OIC. The OIC lists the fee as $49, rising to $52 on October 1, 2026. Non-residents have no fingerprint requirement.
What continuing education applies to Washington producers?
Resident producers complete 24 credit hours per renewal period, including 3 ethics hours. Excess credits cannot be carried over, and each course certificate is valid for 24 months from completion. Long-term care sellers also need a 4-hour refresher every 24 months.
Can I take the Washington insurance exam online?
Yes, if you qualify. Remote testing requires a laptop or desktop with a compatible webcam, and PSI checks your device. Starting August 3, 2026 it also requires a smartphone as a second camera. If your setup does not meet the requirements you must test at a PSI center.
Practice Exam Questions — Washington Life & Health
5 state-specific questions drawn from the Washington exam content outline. Correct answer highlighted in green.
Which vendor administers Washington insurance producer license exams for the Office of the Insurance Commissioner?
- Pearson VUE
- Prometric
- PSI Services LLC
- The OIC itself
What pre-licensing education does Washington require before a producer exam?
- 20 hours per line
- None; the requirement ended July 23, 2023
- 40 hours for the combined exam
- 8 hours of ethics only
When does a Washington resident producer applicant schedule fingerprinting?
- Before registering for the exam
- At the PSI test center on exam day
- After passing the exam and submitting the license application
- Fingerprints are not required for residents
How many continuing education credits, including ethics, must a resident Washington producer complete each renewal period?
- 12 total, including 1 ethics
- 24 total, including 3 ethics
- 24 total, including 6 ethics
- 30 total, including 3 ethics
How many questions and how much time does the combined Washington Life and Disability exam allow?
- 100 questions in 150 minutes
- 130 questions in 195 minutes
- 150 questions in 195 minutes
- 200 questions in 240 minutes