Washington Life & Health Insurance Practice Test 2026
Practice the exam Washington uses, from general life & health knowledge to Washington's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Washington's own insurance law.
150 scored questions, 3 hours 15 minutes allowed. The passing score is set by Washington; check the candidate handbook.
Last verified September 2026 · Life and Disability Producer - Examination Content Outline
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About the Washington Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Washington Life & Health test
Washington's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Federal Laws and Regulations3 Qs
- Washington Laws, Rules, and Regulations45 Qs
- General Insurance Concepts6 Qs
- Life, Accident and Health Insurance Basics20 Qs
- Types of Life Insurance Policies12 Qs
- Life Insurance Policy Provisions, Options, and Riders17 Qs
- Annuities6 Qs
- Individual Accident and Health Insurance Policy Provisions10 Qs
- Disability Income and Related Insurance5 Qs
- Medical Plans13 Qs
- Group Health Insurance3 Qs
- Health Insurance for Senior Citizens and Special Needs Individuals5 Qs
- Federal Tax Considerations for Life and Health Insurance5 Qs
Source: PSI Washington Life and Disability Producer examination content outline, Effective 4/1/2026: 150 items - 195 minutes (the candidate bulletin adds one to ten unscored experimental items) (Washington Life and Disability Producer - Examination Content Outline). Confirm current weights with the testing company before you book.
What to bring to the Washington exam
Washington official sources
- Insurance Producers, Title Insurance Agents and AdjustersRCW Title 48, Chapter 48.17, selected sections 48.17.060-48.17.600 · Washington State Legislature (app.leg.wa.gov)
- Disability Insurance (individual accident and health policy provisions, required and optional provisions)Chapter 48.20 RCW · app.leg.wa.gov
- Group and Blanket Disability Insurance (group and blanket accident and health policy provisions, eligibility, continuation, conversion)Chapter 48.21 RCW · app.leg.wa.gov
- Group Life and Annuities (eligible groups, standard group provisions, conversion)Chapter 48.24 RCW · app.leg.wa.gov
- Life and Disability Insurance Guaranty Association Act (coverage, limits, assessments, prohibited advertising)Chapter 48.32A RCW · app.leg.wa.gov
- The Insurance Contract (general provisions applicable to all insurers: form filing, insurable interest, application, representations, cancellation, assignment)Chapter 48.18 RCW · app.leg.wa.gov
- Life Insurance and Annuities (standard policy provisions, incontestability, grace period, nonforfeiture, beneficiaries)Chapter 48.23 RCW · app.leg.wa.gov
- Medicare Supplemental Health Insurance Act; Long-Term Care Insurance Coverage Standards; Long-Term Care Insurance ActChapters 48.66, 48.83 and 48.84 RCW · app.leg.wa.gov
All Washington insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Washington provisions the questions on this page cite most often.
- RCW § 48.17.530 · Business entity license liability3 questions
- RCW § 48.17.600 · Separation of Premium Funds: Permitted Additions3 questions
- RCW § 48.30.010 · Cease and desist order3 questions
- RCW § 48.30.090 · Misrepresentation of Policies2 questions
- RCW tit. 48 § 48.32A.025 · Coverage and limitations, exclusions from coverage2 questions
- RCW tit. 48 § 48.32A.075 · Powers and duties of the association2 questions
- RCW § 48.17.060 · Adjuster license required1 question
- RCW § 48.17.090 · Business entity producer application, commissioner's findings1 question
Exam figures on this page were checked against official pages: Testing company · Exam fee · License fee · Pre-licensing. Confirm anything you rely on with the testing company and the Washington Department of Insurance.