625+ Free WY Life & Health Practice Questions

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2026 Statistics

Key Facts: WY Life & Health Exam

100

Exam Questions

Pearson VUE Wyoming exam outline

Scored Questions

Pearson VUE (+ 15 pretest unscored)

120 min

Exam Time

Wyoming Pearson VUE exam outline

70%

Passing Score

Wyoming producer exam standard

$96

Exam Fee

Wyoming DOI Pearson VUE registration

24 hrs

CE per 2 Years

§ 26-9-231, Reg. Ch. 20

Cheyenne

DOI Location

106 East 6th Avenue, Cheyenne, WY 82002

The standalone Wyoming Life (or Health) producer exam has 100 questions (85 scored + 15 unscored pretest) in 2 hours and is delivered by Pearson VUE for a $96 fee; the combined Life, Accident & Health exam has 150 questions (135 scored + 15 pretest) in 2.5 hours for $113. Every exam is divided into a national general-knowledge section and a Wyoming state-specific section, and you must score 70% on each section separately. Key Wyoming topics include Insurance Commissioner authority (§ 26-2-102), producer licensing (§ 26-9-206), continuing education (24 hours/2 years per § 26-9-231), unfair trade practices under Chapter 26-13, and the Wyoming Insurance Guaranty Association (§§ 26-31-103, 26-31-106).

Sample WY Life & Health Practice Questions

Try these sample questions to test your WY Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 625+ question experience with AI tutoring.

1Which agency is responsible for regulating insurance in Wyoming?

A.Wyoming Department of Financial Institutions

B.Wyoming Insurance Department

C.Wyoming Division of Insurance Regulation

D.Wyoming Department of Commerce, Insurance Bureau

Explanation: The Wyoming Insurance Department (WY DOI), headquartered in Cheyenne, is the state agency that regulates insurance under Wyoming Statutes Title 26. It licenses producers, approves policy forms, and enforces market conduct rules. The Department is led by the Wyoming Insurance Commissioner.

2How is the Wyoming Insurance Commissioner selected?

A.Elected by Wyoming voters in a statewide election

B.Appointed by the Wyoming Legislature

C.Appointed by the Governor of Wyoming

D.Appointed by the Wyoming Supreme Court

Explanation: Under Wyoming Statutes § 26-2-102, the Insurance Commissioner is appointed by the Governor of Wyoming. This is different from states where the commissioner is elected. The appointed commissioner oversees the Wyoming Insurance Department and enforces Title 26 of the Wyoming Statutes.

3Which title of the Wyoming Statutes governs insurance regulation in Wyoming?

A.Title 24

B.Title 25

C.Title 26

D.Title 28

Explanation: Wyoming Statutes Title 26 is the primary body of law governing insurance in the state. It establishes the Wyoming Insurance Department, the Commissioner's powers, producer licensing requirements, policy provisions, unfair trade practices, and the Wyoming Insurance Guaranty Association. All Wyoming insurance law exam questions draw from Title 26.

4Where is the Wyoming Insurance Department located?

A.Casper, Wyoming

B.Laramie, Wyoming

C.Jackson, Wyoming

D.Cheyenne, Wyoming

Explanation: The Wyoming Insurance Department is located in Cheyenne, Wyoming, the state capital. Most state government agencies in Wyoming, including the WY DOI, are headquartered in Cheyenne. Producers and consumers can contact the Department at its Cheyenne offices for licensing questions, complaints, and regulatory guidance.

5Under Wyoming Statutes §§ 26-2-109 and 26-2-110, which of the following is among the general powers of the Wyoming Insurance Commissioner?

A.Setting premium rates for all personal lines of insurance

B.Examining and investigating insurers doing business in Wyoming

C.Approving all insurance sales contracts before they take effect

D.Licensing insurance companies in states other than Wyoming

Explanation: Wyoming Statutes §§ 26-2-109 and 26-2-110 grant the Commissioner broad authority to examine and investigate insurers and other licensees doing business in Wyoming. This includes conducting market conduct and financial examinations, issuing subpoenas, and ordering corrective actions. The Commissioner does not set premium rates for all personal lines or approve individual sales contracts.

6Which testing vendor administers the Wyoming insurance licensing examination?

A.PSI Services

B.Prometric

C.Pearson VUE

D.ExamFX

Explanation: Pearson VUE is the contracted testing provider that administers Wyoming insurance licensing examinations. Candidates register for and schedule their exams through the Pearson VUE website or by phone. Exam centers are available throughout Wyoming and in neighboring states.

7How many questions are on the Wyoming Life & Health insurance licensing exam, and what is the time limit?

A.150 questions, 3 hours

B.130 questions, 2.5 hours

C.100 questions, 2 hours

D.80 questions, 1.5 hours

Explanation: The Wyoming Life & Health insurance licensing exam consists of 100 questions (85 scored questions plus 15 unscored pretest questions) and candidates have 2 hours to complete it. The pretest questions are not identified and do not count toward the candidate's score. Candidates must score at least 70% on the scored questions to pass.

8What is the minimum passing score for the Wyoming Life & Health insurance licensing examination?

A.65%

B.70%

C.75%

D.80%

Explanation: Candidates must correctly answer at least 70% of the scored questions on the Wyoming Life & Health insurance exam to pass. With 85 scored questions, a candidate needs at least 60 correct answers. Candidates who fail may retake the exam after paying the $96 exam fee again.

9What is the exam fee for the Wyoming Life & Health insurance licensing examination administered by Pearson VUE?

A.$64

B.$79

C.$96

D.$110

Explanation: The Wyoming Life & Health insurance licensing examination fee is $96, paid directly to Pearson VUE when scheduling the exam. This fee is non-refundable if the candidate fails to appear for the scheduled exam or cancels without adequate notice. Candidates should budget for this cost when planning their licensing process.

10Under Wyoming Statutes § 26-9-203, an individual applying for a Wyoming insurance producer license must meet which of the following requirements?

A.Be at least 21 years of age and a Wyoming resident

B.Be at least 18 years of age, pass the licensing exam, and not have committed a disqualifying act

C.Be at least 18 years of age and have completed 40 hours of pre-licensing education

D.Be at least 21 years of age and have 2 years of prior insurance experience

Explanation: Wyoming Statutes § 26-9-203 requires insurance producer applicants to be at least 18 years of age, pass the state licensing examination, and not have committed any act that would be grounds for license denial. Wyoming does not require a specific number of pre-licensing education hours to be codified in statute, though pre-licensing courses are strongly recommended. There is no prior experience requirement.

About the WY Life & Health Exam

Wyoming's Life & Health producer exam is delivered by Pearson VUE and contains 85 scored questions plus 15 pretest questions (100 total) in 2 hours. The exam covers national life insurance concepts (Types of Policies, Provisions, Underwriting, Retirement) and national A&H concepts, plus Wyoming-specific statutes under Title 26 covering producer licensing, continuing education, replacement rules, unfair trade practices, and the Wyoming Insurance Guaranty Association.

Questions

100 scored questions

Time Limit

2 hours (120 minutes)

Passing Score

70%

Exam Fee

$96 (Wyoming Department of Insurance / Pearson VUE)

WY Life & Health Exam Content Outline

18%

WY Insurance Regulation (Common)

Wyoming Insurance Commissioner authority (§ 26-2-102), company definitions, producer licensing requirements (§ 26-9-206), continuing education (24 hrs/2 years), appointment process, and consumer privacy (Reg. Ch. 54)

24%

WY Life Insurance Laws

Individual life and annuity standard provisions (§§ 26-16-101–120), policy replacement duties (Reg. Ch. 12), group life conversion rights (§ 26-17-119), variable product requirements (Reg. Ch. 67), and credit life regulations (§§ 26-21-101–114)

24%

WY Accident & Health Laws

WY A&H required provisions, group health conversion rights, LTC Partnership Program (dollar-for-dollar Medicaid asset protection), Medicare supplement plan availability, disability income standards, small employer health reform, and mandated benefits

WY Ethics & Unfair Practices

Unfair trade practices (Ch. 26-13): misrepresentation (§ 26-13-103), twisting (§ 26-13-105), rebating (§ 26-13-110), unfair discrimination (§ 26-13-109), fraud (§§ 26-13-201–202), Wyoming Insurance Guaranty Association (§§ 26-31-103, 26-31-106), and producer fiduciary duties (§ 26-9-229)

25%

National Life & A&H Concepts

Life policy types (whole life, UL, variable, term, annuities), policy provisions, riders, underwriting, beneficiary designations, retirement plans, tax treatment, Medicare Parts A-D, Medicaid, COBRA, HIPAA, LTC eligibility, and field underwriting procedures

How to Pass the WY Life & Health Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours (120 minutes)
Exam fee: $96

Keys to Passing

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

WY Life & Health Study Tips from Top Performers

1Memorize Wyoming Title 26 statute references — the state section tests specific code citations like § 26-2-102 (Commissioner appointment) and § 26-9-231 (CE requirements)

2Know the WY Insurance Guaranty Association coverage limits and which insurers are excluded (Lloyd's, risk retention groups, fraternal benefit societies)

3Understand the Wyoming LTC Partnership Program — Wyoming allows dollar-for-dollar Medicaid asset protection for qualifying LTC policyholders

4Review replacement regulation duties under Reg. Ch. 12: both the agent's duties AND the replacing insurer's duties are tested

5Study the difference between Wyoming's unfair trade practices: twisting (inducing lapse of existing policy) vs. misrepresentation vs. rebating

6Learn Medicare supplement standardized plans — Plans A, B, C, D, F, G, K, L, M, N are tested; Wyoming follows NAIC standardized plan structure

Frequently Asked Questions

How many questions are on the Wyoming Life & Health insurance exam?

It depends on which exam you take. The standalone Life exam and the standalone Accident & Health exam each have 100 total questions (85 scored + 15 unscored pretest) with a 2-hour limit. The combined Life, Accident & Health exam has 150 total questions (135 scored + 15 unscored pretest) with a 2.5-hour limit. Every exam is split into a General (national) section and a Wyoming State Law section that are scored separately.

What is the passing score for the Wyoming Life & Health exam?

Wyoming requires a scaled score of 70 (70%) to pass, and you must reach 70% on each section (the national General Knowledge section and the Wyoming State Law section) separately — the two scores are never averaged. The exam is delivered by Pearson VUE under contract with the Wyoming Department of Insurance.

How much does the Wyoming Life & Health exam cost?

A single-line exam (Life only or Health only) costs $96, and the combined Life, Accident & Health exam costs $113, payable to Pearson VUE when scheduling. The fee is non-refundable if you cancel within 48 hours of your appointment or fail to appear.

What continuing education is required for Wyoming life and health producers?

Wyoming producers must complete 24 hours of continuing education every 2 years (biennium) to maintain their license, as required under § 26-9-231 and Regulation Chapter 20. This CE must be completed through Wyoming DOI-approved providers before license renewal.

What Wyoming-specific topics should I focus on for the Life & Health exam?

Focus on Wyoming Title 26 statutes covering: Insurance Commissioner appointment and powers (§ 26-2-102, 26-2-109/110), producer licensing requirements (§ 26-9-206/207), unfair trade practices (Ch. 26-13) including twisting and rebating, replacement regulation (Reg. Ch. 12), life insurance standard provisions (§§ 26-16-101–120), group life requirements (§§ 26-17-101–130), variable product rules (Reg. Ch. 67), and the Wyoming Insurance Guaranty Association (§§ 26-31-103, 26-31-106).

625+ Free WY Life & Health Practice Questions

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