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Free WA Life & Health Exam Prep

Washington Life & Health Insurance

Pass your WA Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Quick Facts

7
Chapters
19
Sections
$0
Our Cost
Updated January 2026

Washington Life & Health Insurance

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Life and Health Insurance Study Guide 2025-2026: All In One Life and Health Insurance License Exam Prep. With Life and Health Insurance Exam Review Material and 645 Practice test Questions

$39.99 · Buy on Amazon

Flashcards on Mometrix
Your Study Path

Washington Life & Health Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

Master National Life and Health Foundations

Build speed on life policy structure, health plan design, disability concepts, and contract provisions before state-law drilling.

30
hours
Start this step
2

Drill Washington Law and OIC ComplianceYou are here

Prioritize the 45-item Washington law domain: licensing, appointments, unfair practices, and producer conduct standards.

22
hours
3

Focus on High-Yield WA Product Rules

Practice Washington replacement, annuity recommendation duties, Medicare supplement requirements, and LTC training concepts.

18
hours
4

Run Timed 195-Minute Simulations

Use full-length mixed sets to improve pacing across state-law and product domains, then remediate misses by domain.

15
hours
Estimated total study time
85 hours
That's about 9 weeks at 10 hours/week

Can You Take the WA Life & Health Exam?

Check if you meet the basic eligibility requirements

Age
At least 18 years old
Education
No mandatory prelicense education requirement (effective July 23, 2023)
Background Check
Resident applicants must submit electronic fingerprints; nonresident applicants do not have Washington fingerprint requirements
Fingerprinting
Washington OIC fingerprint requirement page lists $49.00 for resident fingerprint processing
Additional Requirements
  • •Pass the Life and Disability Producer Combo exam (150 items, 195 minutes, 70% passing score)
  • •Current PSI bulletin fee table lists a $55 exam fee for the combo exam
  • •Submit all licensing requirements within 180 days after passing to avoid retesting
  • •Resident producers complete 24 CE hours every 2 years including 3 ethics credits

WA Life & Health Quick Facts

Time to Get Licensed

4-8 weeks for most candidates

From start to license in hand

Exam Provider

PSI Services LLC

In-Person Only
Schedule Your Exam

Retake Policy

PSI/OIC materials state there is no set limit on retakes; each attempt requires a new exam fee.

Total Cost Breakdown

Exam Fee$55
Fingerprint Fee$49.00 (resident applicants)
Total Estimated Cost$104+ plus license application and processing fees
Why Choose Us

Free WA Life & Health Prep That Actually Works

The official pass rate is Not publicly published by OIC/PSI. Our students do better.

200+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

$0 Forever

No credit card, no trial, no upsells

Compare:
Kaplan $300+•Achievable $200+•OpenExamPrep $0

What You'll Study

7 chapters covering everything you need to pass

1

Introduction: Washington Life & Health Insurance Exam Overview

1 sections

2

Chapter 1: Washington Insurance Regulation & Licensing

3 sections

3

Chapter 2: Washington Life Insurance Laws

3 sections

4

Chapter 3: Washington Health Insurance Laws

3 sections

5

Chapter 4: Washington Insurance Ethics & Prohibited Practices

3 sections

6

Chapter 5: Washington Annuity Regulations

3 sections

7

Chapter 6: Washington Group Insurance & Special Topics

3 sections

WA Life & Health-Specific Topics Covered

Washington OIC authority and producer-law enforcement in RCW Title 48 and related WAC chaptersWashington law weighting of 45 items on the 150-item Life and Disability Producer Combo outlineNo mandatory prelicensing education in Washington effective July 23, 2023Resident fingerprint requirement versus no Washington fingerprint requirement for nonresident applicantsWashington resident CE baseline of 24 hours every 2 years including 3 ethics credits2026 Washington OIC initiative to preserve no-cost preventive services through proposed legislation
Learn More with AI

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WA Life & Health Exam Details

Washington Life & Health Insurance

Administered by Washington Office of the Insurance Commissioner (OIC) / PSI Services LLC

Official Source
70%
Passing Score
150
Questions
195
Minutes
$55
Exam Fee
Study time: 50-90 hours
Prerequisites: Meet Washington producer eligibility and pass the Life and Disability Producer Combo exam; prelicensing education is no longer required

Exam Content Breakdown

Based on the official Washington Office of the Insurance Commissioner (OIC) / PSI Services LLC content outline

Washington Laws, Rules, and Regulations30% (45 items)

OIC authority, producer licensing/appointments, unfair-practice standards, and Washington-specific compliance duties

General Concepts and Federal Law6% (9 items)

General insurance concepts plus federal-law items included in the Washington outline

Life Basics, Policy Types, and Provisions33% (49 items)

Life/health basics, life policy types, and life policy provisions/options/riders

Annuities and Tax Considerations7% (11 items)

Annuity concepts, recommendation compliance, and federal tax treatment for life/health products

Health, Disability, Medical, Group, and Senior Markets24% (36 items)

Individual health provisions, disability income, medical plans, group health, and senior/special-needs insurance concepts

What's Included

7 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

Connect with Ran

What's Next After the WA Life & Health?

After passing the WA Life & Health, you can pursue these career paths

Life & Health Insurance

Build national life/health fundamentals first

WA Property & Casualty

Add Washington P&C authority for multiline practice

NMLS SAFE

Expand into mortgage licensing workflows

WA Life & Health Exam FAQ

Official Washington Office of the Insurance Commissioner (OIC) / PSI Services LLC Resources

Verify information with these official sources

Washington OIC How to Schedule Insurance License ExamPSI Washington Candidate Bulletin (rev 7/1/2025)Washington OIC Producers Pre-Licensing Education (PLE) UpdateWashington OIC Fingerprint RequirementsWashington OIC Continuing Education RequirementsWashington OIC Preserving Preventive Services Initiative

More Free Resources

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