West Virginia Life & Health Insurance Practice Test 2026
Practice the exam West Virginia uses, from general life & health knowledge to West Virginia'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 West Virginia's own insurance law.
Life 78, Health 80 scored questions. The time limit and passing score are set by West Virginia; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
Study by topic
Master each topic before your West Virginia exam. First 4 topics are free to start.
Pro study tools
The free runs cover the basics. These tools answer one question: would you pass the Life & Health test today?
About the West Virginia 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 West Virginia Life & Health test
West Virginia's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies15 Qs
- Life Provisions, Riders, Options, and Exc Lusions15 Qs
- Completing the Application, Underwriting, and Delivering the Policy12 Qs
- Retirement and Other Insurance Concepts8 Qs
- West Virginia Laws and Rules Common to Life, Accident and Sickness Insurance21 Qs
- West Virginia Laws and Rules Pertinent to Life Insurance Only7 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- West Virginia Laws and Rules Common to Life and Accident and Sickness Insurance21 Qs
- West Virginia Laws and Rules Pertinent to Accident and Health or Sickness Insurance Only9 Qs
Source: West Virginia Insurance Supplement - Examination Content Outlines, Effective: June 16, 2026 (Pearson VUE publication #124901) (West Virginia Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the West Virginia exam
West Virginia official sources
- Unfair methods of competition and deceptive acts definedW. Va. Code s. 33-11-4 · West Virginia Legislature (code.wvlegislature.gov)
- W. Va. Code ch. 33, Insurancearticles 6, 11, 13, 13C, 15, 16 and 16D, 203 sections · West Virginia Legislature
All West Virginia insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the West Virginia provisions the questions on this page cite most often.
- W. Va. Code § 33-11-4 · Unfair Discrimination: Accident and Sickness25 questions
- W. Va. Code § 33-15-4 · Required policy provisions: Change of Beneficiary6 questions
- W. Va. Code § 33-16-3 · Required policy provisions - coverage during involuntary layoff3 questions
- W. Va. Code § 33-11-4a · Complaints by third-party claimants; elimination of private cause of action2 questions
- W. Va. Code § 33-16-2 · Eligible groups - association and trust groups2 questions
- W. Va. Code § 33-16D-82 questions
- W. Va. Code § 33-6-7 · Representations in Applications2 questions
- W. Va. Code ch. 33 § 33-15-4 · Required Policy Provisions: Claim Forms2 questions
Exam figures on this page were checked against official pages: Pre-licensing. Confirm anything you rely on with the testing company and the West Virginia Department of Insurance.