Standalone Coverage Map
Key Takeaways
- The WV Life & Health exam is ~75% national insurance content and ~25% West Virginia state law.
- National content rewards conceptual understanding; West Virginia content demands memorizing exact day counts, dollar thresholds, and Commissioner powers.
- Study the 14 blueprint domains in chapter order — life fundamentals through ACA, with WV regulation last so state rules layer onto a national base.
- After each chapter, confirm you can state the domain in one sentence and recall its top tested numbers before moving on.
- Finish with a mixed-review pass that interleaves national and WV items to mirror real exam pacing.
Standalone Coverage Map
This page is a one-screen orientation to the entire study guide. West Virginia licenses Life and Accident & Health (A&H) as two separate lines, but the two exams share an identical structure: a large general (national) portion covering universal insurance principles, plus a West Virginia state-law portion that layers WV statutes and Commissioner rules on top. Each exam is 90 questions, 120 minutes, and a 70% scaled passing score. Use this map to see how every blueprint domain connects to a specific chapter, and in what order to study them.
How the Two Layers Split
Treat the exam as roughly three-quarters national content and one-quarter West Virginia law. The national layer rewards conceptual understanding — if you know how universal life crediting works or what an exclusion ratio measures, you can reason to the answer. The West Virginia layer is the opposite: it demands rote recall of exact numbers (the 30-day life free-look, the 10-day Medigap free-look, the 24-hour CE term, the $50 license fee) and the precise powers of the Insurance Commissioner. Plan to over-study the state portion relative to its question count, because those items are easy points that many candidates leave on the table.
Blueprint Domain to Chapter Map
The table below ties each tested domain to the chapter that covers it. National domains come first because WV rules assume you already understand the underlying product; West Virginia regulation is studied last so state overlays sit on a complete national base.
| # | Blueprint Domain | Guide Chapter |
|---|---|---|
| 1 | Principles of insurance (risk, indemnity, contracts, legal concepts) | National: Principles of Insurance |
| 2 | Insurance contracts & the marketplace (provisions, producers, distribution) | National: Insurance Contracts & the Marketplace |
| 3 | Life basics & term insurance | National: Life Insurance Basics & Term |
| 4 | Whole life & universal life | National: Whole Life & Universal Life |
| 5 | Variable & specialized life products; group life | National: Variable & Specialized Life Products |
| 6 | Life policy provisions, beneficiaries, settlement options | National: Life Insurance Policy Provisions |
| 7 | Dividend, nonforfeiture, and rider options | National: Policy Options, Riders, Dividends & Nonforfeiture |
| 8 | Underwriting, policy delivery, group life | National: Underwriting, Policy Delivery & Group Life |
| 9 | Annuity fundamentals & types | National: Annuity Fundamentals & Types |
| 10 | Annuity payouts & taxation of life/annuities | National: Annuity Payouts & Taxation |
| 11 | Qualified retirement plans (IRA, 401(k), RMDs) | National: Qualified Retirement Plans |
| 12 | Health basics & medical expense plans | National: Health Insurance Basics & Medical Expense |
| 13 | Health provisions, group health, COBRA/HIPAA | National: Health Policy Provisions & Group Health |
| 14 | Disability income insurance | National: Disability Income Insurance |
| 15 | Long-term care, dental, and other health | National: Long-Term Care & Other Health Products |
| 16 | Medicare A/B/C/D and Medigap | National: Medicare & Medicare Supplements |
| 17 | Medicaid, ACA, and health taxation | National: Medicaid, ACA & Health Taxation |
| 18 | Regulation, licensing, unfair trade, replacement, ethics | National: Insurance Regulation, Licensing & Ethics |
| WV-1 | WV regulation, licensing, and continuing education | Ch. 1: WV Insurance Regulation & Licensing |
| WV-2 | WV life laws (provisions, annuities, replacement) | Ch. 2: WV Life Insurance Laws |
| WV-3 | WV health laws (mandated benefits, Medigap, DI/LTC) | Ch. 3: WV Health Insurance Laws |
| WV-4 | WV ethics, prohibited practices, guaranty association | Ch. 4: WV Insurance Ethics & Prohibited Practices |
Recommended Study Sequence
Work the guide top to bottom; the order is deliberate.
- National life half (domains 1-11) — build product knowledge before provisions, then layer taxation and qualified plans.
- National health half (domains 12-17) — medical plans first, then provisions, disability, LTC, Medicare, and ACA.
- National regulation (domain 18) — the generic licensing and ethics rules that WV then customizes.
- West Virginia chapters 1-4 last — by now you know the products, so you can focus purely on memorizing WV-specific day counts, dollar thresholds, and Commissioner powers.
How to Verify Mastery
After each chapter, run a two-part self-check before moving on. First, state the domain in one sentence from memory: if you cannot summarize whole life versus universal life or define a Medicare Supplement open-enrollment window, re-read before advancing. Second, recall the chapter's top tested numbers cold — free-look days, elimination periods, coinsurance splits, the 7-pay MEC test, and the WV-specific figures.
Finish your preparation with a mixed-review pass that interleaves national and West Virginia items in random order. Real exams jump between topics, so practicing in blocks alone leaves you unprepared for the rapid context-switching of the live test. Interleaved review also exposes the WV-versus-national distinctions (for example, the national NAIC model free-look versus West Virginia's adopted period) that single-topic study tends to blur.