Washington Life and Health Insurance Exam

Need of a License: An individual who is acting as an agent or producer needs a license to sell life and health insurance in Washington.

Who Grants a License: Licenses are granted by the Washington Office of the Insurance Commissioner.

Life and Health Insurance Agent ExamQualifications to receive a License: Individuals who wish to obtain an insurance license in the State of Washington:
 
1. Be at least eighteen (18) years of age.
2. Be a resident of Washington.
3. Complete the education requirements.
4. Get fingerprinted.
5. Register for the exam and pay fee.
6. Pass the examination.
7. Apply for a license.
 
Prelicense Education Requirements: A candidate must complete an approved course consisting of at least twenty (20) hours of instruction for each line of insurance for which an examination is being taken. A provider of approved prelicense education will issue a certificate of completion to each student upon successful completion. A certificate of completion is valid for a period of twelve (12) months from the date of course completion. A list of prelicense education providers is available on the insurance commissioner’s
website or may be obtained by calling (360) 725-7146.

Fingerprinting Requirements: All candidates must complete fingerprinting requirements. Candidates may make a fingerprint reservation with MorphoTrust USA™ by going online at www.Identogo.com or calling MorphoTrust USA™ at 866-761-8069.
 
Applying for the Producer Exam:  It is highly recommended that the Washington Insurance Licensing Candidate Handbook be reviewed, and special attention be given to the content outlines (available at www.pearsonvue.com), before taking an examination. The State of Washington utilizes Pearson VUE to develop and administer its insurance licensing examination program. Online reservations are the most efficient way for candidates to schedule their examination. Candidates must go to www.pearsonvue.com/wa/insurance to make an online reservation for an examination. Candidates may call (800) 274-8949 to make an exam reservation by phone.
 
Test Information: The Washington Insurance Licensing Candidate Handbook contains specific content information beyond the following general outlines:
 
LIFE – GENERAL KNOWLEDGE CONTENT (50 scoreable questions plus 10 pretest questions)
 
I. TYPES OF POLICIES (12)
A. Traditional whole life products
B. Interest/market-sensitive life products
C. Term life
D. Annuities
E. Combination plans and variations
 
II. POLICY RIDERS, PROVISIONS, OPTIONS, AND EXCLUSIONS (19)
A. Policy riders
B. Policy provisions and options
C. Policy exclusions
 
III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICY (11)
A. Completing the application
B. Underwriting
C. Delivering the policy
 
IV. TAXES, RETIREMENT, AND OTHER INSURANCE CONCEPTS (8)
A. Third-party ownership
B. Group life insurance
C. Retirement plans
D. Life insurance needs analysis/suitability
E. Social Security benefits and taxes
F. Tax treatment of insurance premiums, proceeds, and dividends
 
LIFE-WASHINGTON SPECIFIC CONTENT OUTLINE
State Statutes, Rules and Regulations (30 scoreable questions plus 5 pretest questions)
 
I. WASHINGTON LAWS, RULES, AND REGULATIONS COMMON TO LIFE, DISABILITY, PROPERTY, AND
CASUALTY INSURANCE
A. Commissioner
B. Terms and Concepts
C. Licensing
D. Marketing Practices
II. WASHINGTON LAWS, RULES, AND REGULATIONS PERTINENT TO LIFE INSURANCE ONLY
A. Marketing methods and practices
B. Policy clauses and provisions
C. Group life
 
DISABILITY – GENERAL KNOWLEDGE CONTENT (50 scoreable questions plus 10 pretest questions)
 
I. TYPES OF POLICIES (14)
A. Disability income
B. Accidental death and dismemberment
C. Medical expense insurance
D. Medicare supplement policies
E. Group insurance
F. Long Term Care (LTC)
G. Limited Benefit Plans
 
II. POLICY PROVISIONS, CLAUSES, AND RIDERS (20)
A. Mandatory provisions
B. Optional provisions
C. Other provisions and clauses
D. Riders
E. Rights of renewability
 
III. SOCIAL INSURANCE (3)
A. Medicare
B. Medicaid
C. Social Security benefits
 
IV. OTHER INSURANCE CONCEPTS (4)
A. Total, partial, and residual disability
B. Owner’s rights
C. Dependent children benefits
D. Primary and contingent beneficiaries
E. Modes of premium payments
F. Nonduplication and coordination of benefits  
G. Occupational vs. non-occupational
H. Tax treatment of premiums and proceeds of insurance contracts
I. Managed care
J. Workers Compensation
K. Subrogation
 
V. FIELD UNDERWRITING PROCEDURES (9)
A. Completing application and obtaining necessary signatures
B. Explaining sources of insurability information
C. Initial premium payment and receipt and consequences of the receipt
D. Submitting application (and initial premium if collected) to company for underwriting
E. Ensuring delivery of policy and related documents to client
F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
G. Replacement
H. Contract law
 
DISABILITY-WASHINGTON SPECIFIC CONTENT OUTLINE
State Statutes, Rules and Regulations (30 scoreable questions plus 5 pretest questions)
 
I. WASHINGTON LAWS, RULES, AND REGULATIONS COMMON TO LIFE, DISABILITY, PROPERTY, AND
CASUALTY INSURANCE
A. Commissioner
B. Terms and Concepts
C. Licensing
D. Marketing Practices
II. WASHINGTON LAWS, RULES, AND REGULATIONS PERTINENT TO ACCIDENT AND HEALTH (DISABILITY)
INSURANCE ONLY
A. Marketing methods and practices
B. Health Insurance Reform
C. Policy clauses, exclusions, and provisions
D. Health Care Service Contractors (HCSC) and Health Maintenance Organizations (HMO’s)
E. Health Insurance Coverage Access Act

How to Apply for the License: Candidates who receive a passing score on the appropriate tests must forward the following materials to the Office of the Insurance Commissioner:
1. Complete and submit an online application (this will include payment of your license fees). The online application is available at www.insurance.wa.gov. The online application is also available through the National Insurance Producer Registry at www.nipr.com.
2. Submit your Exam Score Report(s). It can be faxed or scanned and attached to the online license application.
3. Submit your fingerprints electronically from the exam center or other Morpho Trust location.
 
State Licensing Information:
 
Washington Office of the Insurance Commissioner
PO Box 40257
Olympia, WA 98504-0257
(360) 725-7144
Website
www.insurance.wa.gov
 
Pearson VUE Licensing Information:
 
Pearson VUE
Washington Insurance
Attn: Regulatory Program
5601 Green Valley Dr.
Bloomington, MN 55437
(800) 274-8949

License Renewal Requirements: Individual Producer licenses must be renewed every two years and there is a continuing education requirement.

Applicable Regulations: Life and health insurance agents in Washington are regulated by the Washington Office of the Insurance Commissioner.
 

For more information on life and health insurance agent licensing and exam preparation, go to Tests.com’s Life and Health Insurance Exam Guide.

And take Tests.com’s free Life and Health Insurance Agent Practice Test.

For life and health insurance agent exam preparation products, such as study guides, flashcards and courses, go to Tests.com’s Life and Health Insurance Sales Exam listings.

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