Sign In

Free Washington Life & Health Insurance Practice Exam 2026

150 questions checked against Washington law and weighted like the state exam. Free to start, no account needed.

Start practicing
Tigertest WA L&H Insurance practice test training mode on mobile

Train on mobile

Tigertest WA L&H Insurance practice test on desktop

Test on desktop

The Washington life and health insurance exam at a glance

Tigertest's Washington practice has 150 questions with explanations: one full-length practice exam and 4 training sets, free to start with no account required.

Regulator
Washington Office of the Insurance Commissioner (OIC), an elected commissioner (RCW 48.02.010)
Vendor
PSI Services LLC, at 10 Washington test centers or by remote proctoring
Candidate handbook
"Washington Office of the Insurance Commissioner Insurance License Examination Candidate Information Bulletin", PSI, last revised 8/3/2026
Exam
Life and Disability Producer Combo: 150 questions, 195 minutes (Life alone 100 in 150 min; Disability alone 100 in 150 min)
Content outline
"Washington Life and Disability Producer, 150 Items - 195 Minutes", effective 4/1/2026
State portion
45 items "Washington Laws, Rules, and Regulations" (RCW Title 48 and WAC Title 284) plus 3 items Federal Laws (18 USC 1033/1034, Do Not Call, ACA)
Scoring
One exam, one score; "You must get 70% correct to pass"
Pretest items
One to ten unscored experimental items, about 10 percent, may be added and count against time
Retakes
No same-day rebooking; a candidate may retest as soon as two days later, space permitting
Licensing window
Application, fees and fingerprints must be submitted within 180 days of passing or the exam must be retaken

Facts checked against official sources on 2026-10-18. Source-checked practice on the PSI Washington life and disability outline (April 2026). Not affiliated with the Washington OIC or PSI; confirm rules in official Washington OIC materials. Official source

How the Washington practice works

Four sets with 150 source-checked questions for Washington, general topics and Washington law. Missed questions come back until you master them.

Set 1: Insurance Basics & Regulation

39 questions · 26% of the practice exam

Set 2: Life Insurance Policies & Provisions

47 questions · 31% of the practice exam

Set 3: Annuities, Taxation & Health Basics

27 questions · 18% of the practice exam

Set 4: Health Policy Provisions & Types

37 questions · 25% of the practice exam

Full-length practice exam: 150 questions, 70% to pass

  • Insurance Regulation30
  • Life Policy Provisions, Options & Riders22
  • Health Policy Provisions19
  • Health Policy Types18
  • Health Insurance Basics16
  • Life Insurance Basics13
  • Life Policy Types12
  • Annuities, Taxation & Retirement11
  • General Insurance Concepts9

Washington life and health insurance exam sample questions and answers

6 of the 150 practice questions, one from each topic, with the answer explained.

  1. 1. Under RCW 48.23.015, a producer recommending an annuity acts in the consumer's best interest by meeting obligations of:

    • A.Suitability, illustration, delivery and review
    • B.Care, disclosure, conflict and documentation
    • C.Licensing, appointment, training and bonding
    • D.Disclosure, rebating, replacement and refund

    Answer: B. Washington's best interest standard, in effect since January 1, 2024, is met when the producer satisfies the care, disclosure, conflict of interest and documentation obligations in RCW 48.23.015(3). The producer may not put its own or the insurer's financial interest ahead of the consumer's.

  2. 2. No premium was paid with an application. The policy is issued on May 1 and delivered on May 10, when the producer collects the premium. Coverage begins:

    • A.On the application date
    • B.On the medical exam date
    • C.May 1
    • D.May 10

    Answer: D. With no premium at application, coverage starts only when the policy is delivered, the first premium is paid and a statement of good health is signed, which all happened on May 10. Issuing the policy on May 1 does not start coverage because the insurer had not yet received the premium.

  3. 3. Under Washington's Health Care False Claim Act, knowingly presenting a false claim to a health care payer is a:

    • A.Class C felony
    • B.Gross misdemeanor
    • C.Class B felony
    • D.Civil infraction

    Answer: A. RCW 48.80.030 makes knowingly presenting a false health care claim, or concealing facts to get a payment, a class C felony. Statements on an application for coverage are outside this act and are covered by RCW 48.30.210 instead.

  4. 4. A carrier denies a Washington enrollee's treatment as not medically necessary. The enrollee may seek review by:

    • A.The state guaranty association
    • B.The national commissioners' association
    • C.A certified independent review organization
    • D.The insurer's own board of directors

    Answer: C. RCW 48.43.535 lets an enrollee have a certified independent review organization, assigned by the commissioner's rotational registry, review a carrier's decision to deny, modify, reduce or end coverage. The carrier must carry out the decision and pay the organization's charges.

  5. 5. Washington defines long-term care insurance as coverage designed to provide benefits for at least:

    • A.6 consecutive months
    • B.24 consecutive months
    • C.12 consecutive months
    • D.90 consecutive days

    Answer: C. RCW 48.83.020(5) defines long-term care insurance as a policy, contract or rider designed to cover at least twelve consecutive months, for care in a setting other than an acute care hospital unit. Medicare supplement and disability income policies are excluded.

  6. 6. Under Washington's life insurance disclosure rule, an insurer must give a prospective buyer of individual life insurance a Buyer's Guide:

    • A.Before accepting the application
    • B.Only when one is requested
    • C.With the delivered policy
    • D.Within 10 days of issue

    Answer: A. WAC 284-23-230(2) requires the Buyer's Guide before the insurer accepts the initial application, premium or premium deposit. A policy summary, by contrast, may be delivered with or before the policy.

Washington life and health insurance exam practice: common questions

How many questions are in the Washington practice exam?

150. They make one full-length practice exam and 4 training sets by content area. Full-length practice exam: 150 questions, 105 general and 45 Washington.

What score do I need on the Washington practice exam?

The practice exam passes at 70 percent, the line Tigertest uses for Washington. A practice score does not predict your result on the real exam, so use it to find the content areas to drill.

Does this cover Washington law?

Yes. National questions were checked against Washington law, and the Washington-only questions cover the state's own statutes and rules. Source-checked practice on the PSI Washington life and disability outline (April 2026). Not affiliated with the Washington OIC or PSI; confirm rules in official Washington OIC materials.

Is the Washington life and health insurance exam practice free?

It is free to start with no account. The full-length practice exam and every training set but the last are free; the final set, Health Policy Provisions & Types, is part of Tigertest Premium, a one-time purchase with no subscription that also covers every other exam on Tigertest.

I am testing in another state. What should I use?

Tigertest has 13 state versions of this exam. For any other state, use the national practice, which covers the general portion that is the same wherever you test.

Other states and the national practice

Practice only. Not affiliated with any state regulator, PSI, Pearson VUE or Prometric, and a practice score does not predict your exam result.

Ready for the Washington life and health insurance exam?

Start for free. No account required. 150 questions checked against Washington law.

Start practicing