WA L&H
Washington Life & Health Insurance License Exam
Washington regulates Life & Health producer licensing through Washington Office of the Insurance Commissioner (OIC), with the exam delivered by PSI Services LLC. The combined Life & Health exam has 150 questions with a 195 minutes time limit. Passing requires 70%. The exam fee is $55. Washington does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for Washington, covering national concepts plus Washington statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
WA L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Washington Life & Health Insurance License Exam |
| Governing Body | Washington Office of the Insurance Commissioner (OIC) |
| Number of Questions | 150 |
| Time Limit | 195 minutes |
| Passing Score | 70% |
| Exam Fee | $55 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Washington Office of the Insurance Commissioner (OIC) official website ↗ |
WA L&H Content Areas and Domains
Domain areas are sourced from the Washington Office of the Insurance Commissioner (OIC) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Washington insurance law and regulations
How C3RT Helps You Pass the WA L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the WA L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real WA L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample WA L&H Practice Questions
Q1.In the state of Washington, under what conditions may an insurer include a 'Relation of Earnings to Insurance' provision in a disability income policy?
- The provision can be included regardless of the insured's age or policy duration.
- The policy must remain in force until at least age 60.
- The policy must be issued only for a duration of 2 years.
- The policy must be issued for at least five years if the insured is over age 44.Correct
Washington law requires the policy to continue until at least age 50, or for five years if issued after age 44. The other options provide incorrect age limits or durations that do not meet the state's specific regulatory requirements.
Q2.Under Washington state regulations, if a disability income insurance policy is reinstated and the insured becomes sick 5 days later, is the loss covered?
- Yes, coverage is immediate upon reinstatement.
- No, sickness must begin more than ten days after reinstatement to be covered.Correct
- No, coverage only begins 30 days after reinstatement.
- Yes, as long as the injury was accidental.
In Washington, a reinstated policy only covers sickness beginning more than ten days after reinstatement; since the insured became sick in 5 days, it is not covered. 'Immediate coverage' and '30 days' are incorrect based on specific state statutes.
Q3.In the state of Washington, how are the proceeds from a disability insurance policy treated regarding outstanding debts?
- They are not exempt from creditors.
- They are exempt from creditors.Correct
- They are exempt from federal tax only.
- They are subject to seizure by any and all state agencies.
In Washington, disability policy proceeds are specifically exempt from creditors. The other options incorrectly suggest they can be seized or that the exemption is limited only to federal taxes.
WA L&H Frequently Asked Questions
What does WA L&H stand for?
WA L&H stands for Washington Life & Health Insurance License Exam. It is administered by Washington Office of the Insurance Commissioner (OIC).
Who administers the WA L&H?
The Washington Life & Health Insurance License Exam (WA L&H) is administered by Washington Office of the Insurance Commissioner (OIC). For official information, visit the Washington Office of the Insurance Commissioner (OIC) website.
How many questions is the WA L&H?
The WA L&H consists of 150 questions. Candidates are given 195 minutes to complete the exam.
What is the passing score for the WA L&H?
The passing score for the WA L&H is 70%, as set by Washington Office of the Insurance Commissioner (OIC). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the WA L&H exam cost?
The WA L&H exam fee is $55. This fee is set by Washington Office of the Insurance Commissioner (OIC) and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Washington Life & Health exam?
The Washington combined Life & Health exam has 150 scored questions, a 195 minutes time limit, a $55 exam fee. Passing requires 70%. It is delivered by PSI Services LLC.
Does Washington require prelicensing education for Life & Health?
No. Washington does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the Washington Life & Health exam?
Washington requires 70% on the Life & Health exam. Confirm the current standard with Washington Office of the Insurance Commissioner (OIC), since passing standards can change.
Is the Life & Health exam different in Washington than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Washington tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Washington Office of the Insurance Commissioner (OIC).
C3RT is a native iOS and macOS exam preparation platform covering the Washington Life & Health Insurance License Exam (WA L&H), a Insurance Licensing certification, administered by Washington Office of the Insurance Commissioner (OIC). C3RT is not affiliated with or endorsed by Washington Office of the Insurance Commissioner (OIC). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Washington Office of the Insurance Commissioner (OIC) official website ↗ .