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Wy-Lh-Health-Laws64 questions
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Wy-Lh-Ethics30 questions
2026 Statistics

Key Facts: WY Life & Health Exam

100

Exam Questions

Pearson VUE Wyoming exam outline

85

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 Wyoming Life & Health producer exam requires 70% to pass on 85 scored questions. Wyoming's exam is divided into a national general knowledge section (50 scored + 5 pretest) and a Wyoming state-specific section (35 scored + 5 pretest) for both Life and A&H lines. 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).

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

9%

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?

Wyoming's Life & Health producer exam contains 100 total questions: 85 scored questions plus 15 pretest questions. For the combined Life & Health exam, the exam includes a Life general section (50 scored + 5 pretest), a Life Wyoming-specific section (35 scored + 5 pretest), and the same structure for the Accident & Health section, totaling approximately 150 scored questions across both lines when taken separately or 100 questions when a combined exam format is administered.

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

Wyoming requires a scaled score of 70 (70%) to pass the Life & Health producer exam. The exam is administered by Pearson VUE under contract with the Wyoming Department of Insurance.

How much does the Wyoming Life & Health exam cost?

The Wyoming Life & Health producer exam fee is $96, payable to Pearson VUE when scheduling. This fee is non-refundable if you cancel within 48 hours of your exam 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).

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