Free WV L&H Exam Prep
West Virginia Life & Health Insurance (InsWV-Life01 + InsWV-AcSi02)
Prepare for the WV L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
Quick Facts
Study guide on MometrixExplore More Life & Health Insurance
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West Virginia Life & Health Insurance License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
Build Core National L&H Knowledge
Start with life, annuity, and health fundamentals before deep WV law memorization.
Master WV Common Producer LawYou are here
Drill licensing, commissioner powers, unfair-practice rules, and producer-conduct standards that appear across both line exams.
Focus on WV Line-Specific Law
Practice life replacement and annuity suitability, then health law topics including Medicare supplement and LTC references.
Run Timed Two-Line Simulations
Simulate two 120-minute sessions to build pacing and endurance for same-day Life and A&H testing.
Can You Take the WV L&H Exam?
Check if you meet the basic eligibility requirements
- •Bring a paper prelicensing certificate (or approved equivalent form) to the exam center
- •Prelicensing completion certificate is valid for 6 months from completion
- •Pass all required parts within 12 months of the first passed part or retake all required parts
- •Resident producers generally complete 24 CE hours every 2 years, including 3 ethics hours
- •Annuity producers complete one-time 4-hour annuity training before selling annuities
- •LTC producers complete one-time 8-hour training and 4 hours of ongoing LTC training each CE biennium
WV L&H Quick Facts
Time to Get Licensed
4-8 weeks for most candidates preparing both lines
From start to license in hand
Retake Policy
Each retake requires a new exam reservation fee; both required parts must be completed within the 12-month window tied to the first passed part.
Total Cost Breakdown
Free WV L&H Prep Tools
Reported exam pass rate: Not publicly reported by WV OIC/Pearson VUE. Check the exam sponsor for the latest official figure.
682+ Practice Questions
Practice by topic with detailed answer explanations
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
Review the latest update date on each resource
$0 Forever
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What You'll Study
24 chapters covering the exam topics in this guide
Standalone Coverage Map
1 sections
Introduction: West Virginia Life & Health Insurance Exam Overview
1 sections
National Portion: Principles of Insurance
4 sections
National Portion: Insurance Contracts & the Marketplace
4 sections
National Portion: Life Insurance Basics & Term
3 sections
National Portion: Whole Life & Universal Life
4 sections
National Portion: Variable & Specialized Life Products
4 sections
National Portion: Life Insurance Policy Provisions
4 sections
National Portion: Policy Options, Riders, Dividends & Nonforfeiture
4 sections
National Portion: Underwriting, Policy Delivery & Group Life
3 sections
National Portion: Annuity Fundamentals & Types
4 sections
National Portion: Annuity Payouts & Taxation of Life/Annuities
3 sections
National Portion: Qualified Retirement Plans
3 sections
National Portion: Health Insurance Basics & Medical Expense
4 sections
National Portion: Health Policy Provisions & Group Health
3 sections
National Portion: Disability Income Insurance
4 sections
National Portion: Long-Term Care & Other Health Products
3 sections
National Portion: Medicare & Medicare Supplements
3 sections
National Portion: Medicaid, ACA & Health Insurance Taxation
3 sections
National Portion: Insurance Regulation, Licensing & Ethics
4 sections
Chapter 1: West Virginia Insurance Regulation & Licensing
3 sections
Chapter 2: West Virginia Life Insurance Laws
3 sections
Chapter 3: West Virginia Health Insurance Laws
3 sections
Chapter 4: West Virginia Insurance Ethics & Prohibited Practices
3 sections
WV L&H-Specific Topics Covered
WV L&H Exam Details
West Virginia Life & Health Insurance (InsWV-Life01 + InsWV-AcSi02)
Administered by West Virginia Offices of the Insurance Commissioner / Pearson VUE
Exam Content Breakdown
Based on the official West Virginia Offices of the Insurance Commissioner / Pearson VUE content outline
General life/annuity and health/disability coverage concepts tested in both line exams
Producer licensing, commissioner authority, unfair practices, and common state law across life and A&H lines
Life-only state law emphasis including replacement and life-policy statutory references
A&H-only state law emphasis including Medicare supplement, HMO/newborn, and LTC references
What's Included
24 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
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.
What's Next After the WV L&H?
After passing the WV L&H, you can pursue these career paths
WV L&H Exam FAQ
Official West Virginia Offices of the Insurance Commissioner / Pearson VUE Resources
Verify information with these official sources
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