Wisconsin Life & Health Insurance Exam

Welcome to the Wisconsin Life & Health Insurance Exam study guide. This comprehensive resource covers Wisconsin-specific insurance laws, regulations, and practices required for your state licensing exam.

About Wisconsin's Life & Health License

Wisconsin requires insurance producers to pass the Life and/or Health examination to sell these products in the state. The license is regulated by the Wisconsin Office of the Commissioner of Insurance (OCI), which oversees all insurance activities in Wisconsin.

What This Exam Covers

This guide focuses exclusively on Wisconsin state law and regulations:

• Wisconsin Office of the Commissioner of Insurance structure and authority
• State licensing requirements and procedures
• Wisconsin life insurance laws and policy requirements
• Health insurance regulations specific to Wisconsin
• State consumer protections and disclosures
• Wisconsin-specific policy provisions and endorsements
• Ethics and professional conduct under Wisconsin law

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Exam Structure

Life Insurance Exam

Health Insurance Exam

Pre-License Education Requirements

Wisconsin REQUIRES pre-licensing education before taking the exam:

How It Works

1. Complete the 8-hour principles portion first (includes general Wisconsin insurance laws and ethics)
2. Once completed, the 8 hours does NOT need to be repeated for additional lines (within 12 months)
3. Complete the 12-hour line-specific portion for each line (Life and/or Health)

Course Format Options

Pre-licensing courses can be completed:

• Synchronously (in real time, live instruction)
• Asynchronously (self-paced, at any time)

Proctoring Requirements

Important: Applicants completing asynchronous (self-paced) courses must also pass a proctored examination for the course to be considered completed.

Certificate of Completion

Upon successful completion:

• Receive a Certificate of Course Completion
• Certificate is valid for 1 year from completion date
• Must bring certificate to exam (paper or electronic)
• Cannot take exam without certificate

Exam Registration

Schedule your exam with the state's testing provider:

Exam Day Requirements

On exam day, you must bring:

• Valid government-issued photo ID
• Certificate of Course Completion (paper or electronic)

Critical: You will NOT be able to take the exam without your Certificate of Course Completion.

Fingerprinting Requirements

Wisconsin requires fingerprinting for background check:

License Application Process

After passing the exam:

1. Pass Exam: Score 70% or higher
2. Submit Application: Through NIPR or state system
3. Complete Fingerprinting: Through Fieldprint
4. Pay Application Fee: Fee required
5. License Issued: After OCI review

Continuing Education Requirements

To maintain your Wisconsin Life & Health license:

Education Exemptions

The following may be exempt from pre-licensing education:

• Limited lines (title, credit, crop, surety, travel, legal expense)
• Candidates with 2-year Wisconsin technical college degree in insurance
• Candidates with 4-year college degree in business with insurance emphasis
• Official transcript required for college degree exemptions

Wisconsin Office of the Commissioner of Insurance

OCI regulates insurance in Wisconsin:

Contact Information

• Website: oci.wi.gov
• Phone: (608) 266-3585
• Address: 125 South Webster Street, P.O. Box 7873, Madison, WI 53707-7873

What This Study Guide Covers

This guide is organized into the following chapters:

1. Chapter 1: Wisconsin Insurance Regulation & Licensing
2. Chapter 2: Wisconsin Life Insurance Laws
3. Chapter 3: Wisconsin Health Insurance Laws
4. Chapter 4: Wisconsin Policy Provisions & Consumer Protections

Work through each chapter systematically, complete all practice questions, and review key takeaways until you can recall them confidently.

Study Recommendations

Timeline

6-8 Weeks Before Exam:

• Begin pre-licensing education course (required)
• Start with 8-hour principles/ethics portion
• Review national Life & Health concepts

4 Weeks Before Exam:

• Complete 12-hour line-specific education
• Focus on weak areas identified
• Complete practice quizzes daily

2 Weeks Before Exam:

• Finish all pre-licensing requirements
• Obtain Certificate of Completion
• Schedule your exam
• Take full-length practice exams

1 Week Before Exam:

• Final review of key topics
• Focus on Wisconsin laws and rules
• Verify you have your Certificate of Completion
• Get adequate rest

Test-Taking Tips

Before the Exam

1. Complete all required pre-licensing education
2. Pass proctored course exam (if asynchronous)
3. Obtain Certificate of Course Completion
4. Register for fingerprinting at Fieldprint
5. Bring ID and Certificate to exam

During the Exam

1. Read carefully: Every word matters
2. Watch for negatives: "NOT", "EXCEPT", "LEAST"
3. Eliminate wrong answers: Narrow choices
4. Flag difficult questions: Return later
5. Manage time: ~1.2 minutes per question
6. Don't overthink: Trust your preparation

After the Exam

• Results provided immediately
• Passing: Complete fingerprinting and apply for license
• Failing: Reschedule and pay new exam fee

Disclaimer: This study guide is for educational purposes only and does not guarantee exam success. Always verify current regulations with the Wisconsin Office of the Commissioner of Insurance, as laws and requirements may change.