200+ Free WA Life & Health Practice Questions

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Which Washington agency regulates life and health insurance producers and insurers?

Washington Department of Financial Services

Washington Office of the Insurance Commissioner (OIC)

Washington Department of Licensing Insurance Unit

Washington Consumer Insurance Board

to track

2026 Statistics

Key Facts: WA Life & Health Exam

150

Total Items

Washington PSI candidate bulletin

195 min

Exam Time

Washington PSI candidate bulletin

70%

Passing Score

Washington PSI score reporting guidance

$55

Exam Fee

Washington PSI bulletin fee table

45 items

WA Law Weighting

Washington official life/disability content outline domain counts

180 days

Application Window

Washington PSI bulletin licensing timeline note

$49.00

Resident Fingerprints

Washington OIC fingerprint requirements page

Washington's current PSI bulletin (last revised July 1, 2025) lists the Life and Disability Producer Combo at 150 items in 195 minutes with a 70% passing score and $55 fee. Washington OIC confirms prelicensing education is no longer required (effective July 23, 2023), resident applicants must complete electronic fingerprints, and application requirements must be completed within 180 days after passing the exam.

Sample WA Life & Health Practice Questions

Try these sample questions to test your WA Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which Washington agency regulates life and health insurance producers and insurers?

A.Washington Department of Financial Services

B.Washington Office of the Insurance Commissioner (OIC)

C.Washington Department of Licensing Insurance Unit

D.Washington Consumer Insurance Board

Explanation: The Washington Office of the Insurance Commissioner is the state regulator for insurance licensing, oversight, and enforcement. Exam content outlines and licensing guidance are issued under the OIC program with PSI testing support.

2How is Washington's insurance commissioner selected?

A.Appointed by the governor and confirmed by the senate

B.Elected statewide by Washington voters

C.Appointed by the NAIC board

D.Selected by licensed insurers operating in Washington

Explanation: Washington is one of the states with an elected insurance commissioner. This differs from many states where the insurance commissioner is appointed.

3How many scored questions are on the Washington Life and Disability Producer Combo exam?

A.100

B.125

C.150

D.175

Explanation: The Washington candidate bulletin and outline list 150 scored items for the Life and Disability Producer Combo exam. Pacing strategy should assume a full 150-question exam window.

4What is the official time limit for the Washington Life and Disability Producer Combo exam?

A.150 minutes

B.180 minutes

C.195 minutes

D.210 minutes

Explanation: Washington lists 195 minutes for the combined Life and Disability producer exam. This is longer than many 150-minute state exams and supports broader law-plus-product coverage.

5What exam fee is listed for the Washington Life and Disability Producer Combo exam in the current PSI bulletin?

A.$45

B.$52

C.$55

D.$65

Explanation: The Washington PSI candidate bulletin revised July 1, 2025 lists a $55 fee for the combined Life and Disability exam. This is separate from fingerprinting and license application costs.

6What score is required to pass Washington insurance licensing examinations?

A.65%

B.68%

C.70%

D.75%

Explanation: Washington's candidate bulletin states you must get 70% correct to pass. Score reporting is issued as pass/fail with diagnostic feedback for failed attempts.

7What is the minimum age to qualify for a Washington resident producer license?

A.16

B.18

C.19

D.21

Explanation: Washington requires resident applicants to be at least 18 years old. Candidates must also meet trustworthiness and competency standards during licensing review.

8Which statement reflects Washington's current prelicensing education rule for producer exams?

A.40 hours is required before any life/health exam

B.20 hours per line is required before scheduling

C.Prelicensing education is no longer required to take the exam

D.Prelicensing is required only for first-time resident applicants under age 25

Explanation: Washington OIC guidance says producer prelicensing education is no longer required to take the exam, effective July 23, 2023. This is a key Washington-specific difference from many states.

9Washington's Life and Disability Producer Combo outline allocates how many items to Washington laws, rules, and regulations?

A.30 items

B.40 items

C.45 items

D.50 items

Explanation: The official outline assigns 45 items to Washington laws, rules, and regulations. That large state-law section is why Washington-specific compliance topics are heavily tested.

10Washington's Life and Disability Producer Combo outline includes how many federal-law items?

A.2

B.3

C.5

D.10

Explanation: The outline lists 3 items under federal laws and regulations. Most scoring weight is state law and core life/health insurance content, not federal-only topics.

About the WA Life & Health Exam

Washington's Life and Disability Producer Combo exam blends national life and health fundamentals with a heavily weighted Washington law section. The official exam uses 150 items in 195 minutes and tests producer licensing/compliance, life policy standards, annuity and replacement rules, health policy concepts, and Medicare/LTC topics.

Questions

150 scored questions

Time Limit

3 hours 15 minutes (195 minutes)

Passing Score

70%

Exam Fee

$55 (Washington Office of the Insurance Commissioner (OIC) / PSI Services LLC)

WA Life & Health Exam Content Outline

30% (45 items)

Washington Laws, Rules, and Regulations

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

6% (9 items)

General Concepts and Federal Law

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

33% (49 items)

Life Basics, Types, and Provisions

Life/A&H basics, life policy types, and life policy provisions/options/riders

7% (11 items)

Annuities and Tax Considerations

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

21% (31 items)

Health, Disability, Medical, and Group Health

Individual health provisions, disability income, medical plans, and group health concepts

3% (5 items)

Senior and Special-Needs Coverage

Medicare supplement and related senior-market testing priorities

How to Pass the WA Life & Health Exam

What You Need to Know

Passing score: 70%
Exam length: 150 questions
Time limit: 3 hours 15 minutes (195 minutes)
Exam fee: $55

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

WA Life & Health Study Tips from Top Performers

1Build your study plan around the official weighting: Washington law is the largest single domain at 45 of 150 items

2Memorize exam logistics early: 150 items, 195 minutes, 70% passing score, and $55 fee

3Practice mixed state-law and product sets so you can shift quickly between RCW/WAC compliance and policy-content questions

4Drill replacement and annuity recommendation scenarios with documentation-focused reasoning

5Use full-length 195-minute simulations before test day and review misses by outline domain

Frequently Asked Questions

How many questions and how much time are on Washington's Life and Disability Producer Combo exam?

Washington's PSI bulletin lists 150 items with a 195-minute time limit for the Life and Disability Producer Combo exam.

What passing score and exam fee apply in Washington?

The current bulletin states a 70% passing score and a $55 exam fee for the Washington Life and Disability Producer Combo.

Does Washington still require prelicensing education before taking the producer exam?

No. Washington OIC states prelicensing education is no longer required, effective July 23, 2023.

What fingerprint rule applies for Washington producer applicants?

Washington requires resident applicants to submit electronic fingerprints for background review; OIC states nonresident applicants do not have Washington fingerprint requirements.

How long do I have to complete licensing steps after passing in Washington?

The PSI bulletin states that application requirements must be completed within 180 days after passing, or you may need to retake the exam.

What Washington-specific law topics are highest yield?

Focus on the 45-item Washington law section: OIC authority, producer licensing and appointments, unfair-practice standards, replacement/annuity compliance, and Medicare supplement and LTC-related rules.