West Virginia Life & Health Insurance License Exam Overview
The West Virginia Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the West Virginia Offices of the Insurance Commissioner (OIC). West Virginia offers opportunities in rural and underserved markets.
Exam Format at a Glance
| Component | Details |
|---|---|
| Life Exam | 94 questions, 2 hours |
| Health Exam | 96 questions, 2 hours |
| Passing Score | 70% |
| Testing Vendor | Pearson VUE |
| Exam Fee | $86 per exam |
| Pre-licensing Education | 20 hours per line (40 hours for both) |
Why Get Licensed in West Virginia?
- Low pre-licensing — Only 20 hours
- Underserved markets — Healthcare access issues
- Low competition — Fewer agents per capita
- Regional access — Ohio/PA/VA proximity
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Key Topics Covered
Life Insurance (30%)
| Feature | WV Standard |
|---|---|
| Grace Period | 31 days |
| Incontestability | 2 years |
| Free Look | 10 days |
Health Insurance (30%)
- Healthcare.gov (federal marketplace)
- WV Medicaid
- CHIP
WV Insurance Regulations (15%)
- West Virginia Code Chapter 33
- OIC authority
| Topic | WV Requirement |
|---|---|
| Pre-licensing | 20 hours per line |
| CE requirement | 24 hours/2 years (3 hours ethics) |
| Passing score | 70% |
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