Washington DC Life & Health Insurance License Exam Overview
The DC Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the Department of Insurance, Securities, and Banking (DISB). The nation's capital offers a unique market with federal employees and high-income professionals.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 130 multiple-choice (combined Life & Health) |
| Time Limit | 2 hours (120 minutes) |
| Passing Score | 70% |
| Testing Vendor | Pearson VUE |
| Exam Fee | $75 per exam |
| Pre-licensing Education | Not required |
Why Get Licensed in DC?
- Federal workforce — Stable, high-income clients
- Dense population — Concentrated prospects
- High earners — Strong demand for coverage
- Regional opportunities — Maryland/Virginia proximity
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Key Topics Covered on the Exam
1. Life Insurance Products (30%)
| Feature | DC Standard |
|---|---|
| Grace Period | 30 days minimum |
| Incontestability | 2 years |
| Free Look | 10 days |
2. Health Insurance Products (30%)
- DC Health Link (state-based exchange)
- DC Medicaid
- Essential health benefits
3. Annuities (15%)
- Fixed and variable annuities
- Suitability requirements
4. DC Insurance Regulations (15%)
- DC Code Title 31 (Insurance and Securities)
- DISB authority and producer licensing
- DC Life & Health Insurance Guaranty Association
Continuing Education Requirements
DC requires 24 hours of CE every 2 years, including:
- 21 hours of general insurance education
- 3 hours of ethics
CE must be completed at least 15 business days before license expiration.
DC Guaranty Association Coverage
The DC Life & Health Insurance Guaranty Association protects policyholders if an insurer becomes insolvent:
| Coverage Type | Maximum Limit |
|---|---|
| Life Insurance Death Benefits | $300,000 per life |
| Annuity Benefits | $300,000 |
| Health/Medical Insurance | $500,000 |
| Long-Term Care | $300,000 |
| Disability Insurance | $300,000 |
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