Wisconsin Life & Health Insurance License Practice Exam
Wisconsin has separate Life and Accident & Health exams, each with 100 questions in 2 hours and 70% to pass. 20 hours of pre-licensing per line, Fieldprint fingerprinting ($34.75), and apply within 180 days of passing.
Wisconsin Life & Health — Study by Topic
Drill Wisconsin state law (35 of the 100 questions on each exam are insurance regulation) or practice general concepts. Life and A&H are separate exams, each 100 questions in 2 hours.
Life Insurance
Term, whole life, universal life, variable, annuities, Annuity Best Interest, riders, nonforfeiture, settlement options, beneficiaries, underwriting.
A&H Insurance
Individual/group health, disability income, LTC (8-hr initial including 2 hrs WI Medicaid, then 4 hrs each renewal period), Medicare supplement (A–N), COBRA, ACA, HMOs, dental.
Wisconsin State Law
Wis. Stat. ch. 628 licensing and appointments, Insurance Security Fund, producer trust accounts, marketing practices, annuity suitability and replacement, 24 CE hrs with 3 ethics, LTC training.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, qualified plans, HSA/HRA.
🌟 Full WI L&H Practice
100-question timed practice modeled on each Wisconsin PSI exam (Life or A&H). 2 hours. 70% to pass. Life and A&H are separate exams.
About the Wisconsin Life & Health Insurance Exam
The Wisconsin Life and Accident & Health intermediary exams are administered by PSI Services for the Wisconsin Office of the Commissioner of Insurance (OCI). Wisconsin licenses Life and Accident and Health or Sickness as separate major lines, and PSI lists a separate exam for each (series 22-01 and 22-03). Resident applicants complete 20 hours of approved pre-licensing education for each line before the exam: 8 hours on principles of insurance, Wisconsin law and ethics, and 12 hours on policies, terms and line-specific law (Wis. Admin. Code s. Ins 26.04).
According to PSI's Wisconsin content outlines, each exam has 100 questions with a 2-hour limit, and 35 of the 100 questions cover insurance regulation. A few unscored experimental items are added on top. You need 70% to pass, the fee is $75 per exam, and you must apply for your license within 180 days of passing. You can retake a failed exam as often as needed, but not on the same day.
Wisconsin Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| WI — 1.0 Insurance Regulation (both exams) | 35 | Wis. Stat. ch. 628 licensing, renewal, CE and discipline; Commissioner powers; Insurance Security Fund; appointments; producer fiduciary and trust accounts; marketing practices; contract statutes; privacy; federal law; Life: replacement, annuity suitability, illustrations; A&H: required coverages, Medicare supplement, long-term care, group health rules |
| 2.0 General Insurance (both exams) | 10 | Risk and risk handling, insurers, producers and agency, contracts, utmost good faith, representations, warranties, waiver and estoppel |
| Life: 3.0 Life Insurance Basics | 10 | Insurable interest, personal and business uses, needs analysis, premiums, licensee responsibilities, underwriting |
| Life: 4.0 Life Insurance Policies | 12 | Term, whole life, adjustable and universal life, joint and juvenile life, group life |
| Life: 5.0 Policy Provisions, Options, and Riders | 14 | Standard provisions, beneficiaries, settlement options, nonforfeiture, loans, dividend options, disability, accelerated benefit and death benefit riders |
| Life: 6.0 Annuities | 10 | Accumulation and annuity periods, immediate and deferred, payment options, fixed, indexed and variable products |
| Life: 7.0 Federal Tax Considerations | 5 | Taxation of life insurance, modified endowment contracts, non-qualified annuities, IRAs, rollovers, Section 1035 exchanges |
| Life: 8.0 Qualified Plans | 4 | General requirements, SEPs, Keogh, 401(k), SIMPLE plans, 403(b) |
| A&H: 3.0 Accident and Health Insurance Basics | 8 | Perils, policy classes, limited policies, underwriting, replacement, standard provisions, renewability |
| A&H: 4.0 Disability Income and Related Insurance | 8 | Disability definitions, individual and group disability income, Social Security disability |
| A&H: 5.0 Medical Plans | 8 | Major medical, HMOs, PPOs, cost containment, HIPAA, HSAs and HRAs, Affordable Care Act, exchanges |
| A&H: 6.0 Group Accident and Health Insurance | 8 | Group characteristics, underwriting, COBRA and continuation, small employer plans, ERISA, funding |
| A&H: 7.0 Dental Insurance | 4 | Treatment categories, indemnity plans, employer group dental |
| A&H: 8.0 Medicare | 8 | Medicare Parts A to D, Medicare supplement, Medicaid, MACRA |
| A&H: 9.0 Long-Term Care Insurance | 8 | Levels of care, benefits, tax-qualified plans, marketing standards, inflation protection, unintentional lapse |
| A&H: 10.0 Federal Tax Considerations | 3 | Taxation of disability, medical and long-term care coverage, FSAs, HSAs, business disability |
Counts are from PSI's Wisconsin Life (22-01, dated July 15, 2022) and Accident and Health or Sickness (22-03) content outlines, 100 questions each. Section 1.0 is the Wisconsin-specific part and includes federal law. Each exam is taken separately, so the Life and A&H rows are alternatives, not one combined exam.
What Makes the Wisconsin Life & Health Exam Different
Separate exams, no combined exam. PSI lists Life (22-01) and Accident and Health or Sickness (22-03) as separate exams at $75 each, and the exam fee is valid for one year from payment. Selling variable life or variable annuities needs a separate Variable Life and Variable Annuity line: an active life license, FINRA registration with the SIE exam, and either the Series 6 or Series 7.
Pre-licensing is required. Each line needs 20 hours before the exam. The 8 hours on principles, Wisconsin law and ethics need not be repeated for another line if completed within 12 months. The completion certificate is valid for one year, and you must bring it to the exam or you cannot sit for it.
Designation exemptions. OCI exempts holders of some designations from pre-licensing: CEBS, ChFC, CIC, CFP, CLU, FLMI or LUTCF for Life, and RHU, CEBS, REBC or HIA for Accident and Health. The request must be approved at least 90 days before the exam date.
Fieldprint fingerprinting. Residents are fingerprinted through Fieldprint ($34.75, code FPWIOCIInsurance). OCI does not accept paper prints from police departments or other vendors, fingerprints are valid for 180 days, and an application without them is held until the requirement is met.
Long-term care and annuity training. Long-term care requires an initial 8-hour course that includes 2 hours of Wisconsin Medicaid and long-term care content, then a 4-hour course each renewal period with 1 hour of Wisconsin Medicaid training. New licensees also need a 4-hour annuity best interest course before soliciting any annuity.
Appointments within 15 days. An insurer must appoint the agent prior to or within 15 days after the earlier of contract execution or the first application submitted (Wis. Stat. s. 628.11, Wis. Admin. Code s. Ins 6.57).
Sample Wisconsin Life & Health Insurance Exam Questions
1. Under Wisconsin appointment rules, by when must an insurer appoint an agent?
2. What long-term care training does OCI require for a Wisconsin agent to sell long-term care insurance?
3. How much continuing education must a Wisconsin resident with a Life line complete each biennium?
Study Tips for the Wisconsin Life & Health Exam
35 of the 100 questions on each exam are Insurance Regulation, the single biggest section, and it also draws on federal law. Cover licensing and discipline under Wis. Stat. ch. 628, appointments, producer trust accounts, marketing practices and the Insurance Security Fund first, then the line-specific rules (annuity suitability and replacement for Life; required coverages, Medicare supplement and long-term care for A&H).
On the Life exam, policy provisions, options and riders (14) and Life policies (12) are the largest product sections, followed by annuities (10) and Life basics (10). On the A&H exam the product content is spread almost evenly across basics, disability income, medical plans, group A&H and Medicare, each worth 8 items.
You need 70% overall, and PSI issues a score report once you end the exam and survey. The exam fee is valid for one year, so there is no rush to schedule, but your 20-hour pre-licensing certificate is also valid for only one year.
Also licensing in property or casualty? See our Wisconsin 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 Wisconsin Life & Health Insurance License
There are four steps to get your Wisconsin insurance intermediary license for the Life and Accident and Health lines.
Steps to Get Your Wisconsin Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-Licensing Education | Complete 20 hours from an approved provider for each line: 8 hours on principles, Wisconsin law and ethics, and 12 hours on line-specific material. Keep the certificate, which is valid for one year, or request a designation exemption at least 90 days before your exam. |
| 2. Schedule and Pass the Exam | Register with PSI and pay $75 per exam. Bring your pre-licensing certificate and one valid, unexpired photo ID that matches your registration name. You need 70% to pass. |
| 3. Get Fingerprinted | Book Fieldprint ($34.75) with code FPWIOCIInsurance. OCI recommends doing this before you submit your application; fingerprints are valid for 180 days. |
| 4. Apply Through NIPR | Submit your application 48 to 72 hours after passing and within 180 days of passing. The initial fee is $75 per line plus a $10 application fee for residents. Provide any required documents within 90 days. |
Wisconsin Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Life; Accident and Health or Sickness; Variable Life and Variable Annuity (needs a life license, FINRA SIE and Series 6 or 7) |
| Pre-license education | 20 hours per line: 8 on principles, Wisconsin law and ethics and 12 line-specific; certificate valid one year |
| Exam | Life (22-01) and Accident and Health or Sickness (22-03) are separate exams of 100 questions each, with unscored experimental items added |
| Time limit | 2 hours per exam (PSI Wisconsin content outlines) |
| Passing score | 70% |
| Exam fee | $75 per exam; not transferable and valid for one year from payment |
| Retakes | No limit; you cannot test again on the same day as a failed attempt |
| Apply after passing | Within 180 days of passing; submit through NIPR 48 to 72 hours after the exam |
| Fingerprints | Fieldprint, $34.75, code FPWIOCIInsurance; valid for 180 days |
| License fees | $75 initial fee per line plus a $10 application fee (residents); $35 biennial renewal for residents |
| Continuing education | 24 hours per biennium, including 3 ethics; excess hours do not carry forward |
| Required training | Long-term care: 8-hour initial and 4-hour course each renewal period; annuity best interest: 4 hours before soliciting annuities |
| Appointments | Prior to or within 15 days after the earlier of contract execution or the first application (Wis. Stat. s. 628.11) |
| Exam provider | PSI Services |
| Licensing authority | Wisconsin Office of the Commissioner of Insurance |
Verified against the PSI Wisconsin Candidate Information Bulletin (revised March 15, 2026), PSI's Wisconsin content outlines, and OCI's license, pre-licensing, fingerprinting and continuing education pages and Intermediary's Guide to Wisconsin Insurance Law. Fees and requirements change; confirm current figures with OCI and PSI before you apply.
Our free Wisconsin Life & Health practice exam covers general and Wisconsin 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 — Wisconsin Life & Health Insurance Exam
How many questions are on the Wisconsin Life and Accident & Health exams?
PSI's Wisconsin content outlines list 100 questions for the Life exam and 100 for the Accident and Health or Sickness exam. Of those, 35 are on insurance regulation. A few unscored experimental items are added and count against exam time.
What is the passing score for the Wisconsin insurance exam?
70%. PSI's Wisconsin Candidate Information Bulletin states that you must get 70% correct to pass.
How much time do I get on the Wisconsin Life and Accident & Health exams?
Two hours per exam, according to PSI's Wisconsin content outlines. The 2026 bulletin does not state a time limit, so confirm the current time when you register.
How many pre-licensing hours does Wisconsin require?
Twenty hours for each line, completed before the exam: 8 hours on principles of insurance, Wisconsin law and ethics, and 12 on line-specific material. The 8-hour portion need not be repeated for another line if completed within 12 months. The certificate is valid for one year.
How much does the Wisconsin insurance exam cost?
$75 per exam, paid to PSI. The fee is not transferable and is valid for one year from payment. You also pay $75 per line when you apply for the license, plus a $10 application fee for residents.
Does Wisconsin require fingerprints for an insurance license?
Yes, for residents. Book Fieldprint at $34.75 with code FPWIOCIInsurance. OCI does not accept prints from police departments or other vendors, and fingerprints are valid for 180 days. Applications without them are held.
What continuing education applies to Wisconsin Life and Health agents?
24 credit hours per biennium, including 3 hours of ethics, banked before the license expires. Long-term care sellers need an initial 8-hour course and a 4-hour course each renewal period, and new licensees need a 4-hour annuity best interest course before selling annuities.
How long do I have to apply after passing the Wisconsin exam?
Apply within 180 days of passing. PSI advises submitting the NIPR application 48 to 72 hours after the exam, and you then have 90 days to provide any required documents.
Practice Exam Questions — Wisconsin Life & Health
5 state-specific questions drawn from the Wisconsin exam content outline. Correct answer highlighted in green.
How are the Wisconsin Life and Accident & Health intermediary exams structured?
- One combined Life and Health exam of 150 questions
- Separate Life and Accident and Health or Sickness exams of 100 questions each
- A single 50-question exam for both lines
- Separate exams of 75 questions each
How many hours of pre-licensing education does Wisconsin require for a major line?
- 8 hours
- 12 hours
- 20 hours
- 50 hours
What does Wisconsin's Fieldprint fingerprinting cost, and how long are the fingerprints valid?
- $34.75; 180 days
- $49; one year
- $20; 90 days
- $75; two years
What is the Wisconsin exam fee, and how long is it valid after you pay?
- $75 per exam; one year
- $65 per exam; 90 days
- $75 per exam; six months
- $100 per exam; two years
After passing a Wisconsin exam, within how many days must you apply for the license?
- 30 days
- 90 days
- 180 days
- One year