Key Takeaways
- Washington requires 20 hours of pre-license education per line (Life or Health) for a total of 40 hours for Life & Health
- PSI administers Washington insurance exams with a 70% passing score required
- Washington licenses are valid for 2 years and require 24 hours of continuing education per renewal
- All applicants must complete fingerprinting and a criminal background check
- Washington participates in the NAIC Producer Database for license verification
Washington Producer Licensing Requirements
Washington has specific requirements for obtaining a Life & Health insurance producer license. Understanding these requirements is essential for exam success.
Pre-License Education Requirements
Current Requirements
| License Type | Pre-License Hours |
|---|---|
| Life Only | 20 hours |
| Disability (Health) Only | 20 hours |
| Life & Disability (Health) | 40 hours |
Key Points:
- Education must be completed at OIC-approved schools
- Course completion certificate is valid for 12 months
- Online and classroom options available
- Ethics content is included in pre-license education
Examination Requirements
The Washington Life & Disability (Health) examination:
| Exam Detail | Requirement |
|---|---|
| Testing Provider | PSI Services LLC |
| Passing Score | 70% |
| Time Limit | 2 hours per section |
| Format | Computer-based |
| Retake Policy | Wait 24 hours, pay new fee |
| Score Validity | 12 months to apply for license |
Note: Washington's 70% passing score is the industry standard for most states.
Examination Process
- Complete pre-license education at approved school
- Schedule exam with PSI online or by phone
- Exam options: Physical PSI testing center OR remote proctored exam
- Bring valid ID with photo (driver's license, passport, military ID)
- Receive results immediately after exam
Background Check Requirements
Washington requires fingerprinting and background check for all insurance license applicants:
Background Check Process
- Timing: Must be completed before license is issued
- Cost: Approximately $50-75
- Results: Submitted electronically to OIC
- Processing: FBI and state criminal history check
Disqualifying Factors
OIC considers criminal history when evaluating license applications:
- Crimes involving fraud, dishonesty, or breach of trust
- Felonies substantially related to insurance activities
- Recent convictions (time elapsed matters)
- Pattern of criminal behavior
Note: A criminal record does not automatically disqualify an applicant. OIC considers the nature of the offense, time elapsed, and evidence of rehabilitation.
License Application
After passing the exam:
- Submit application through NIPR (National Insurance Producer Registry)
- Pay license fee ($55 for initial license)
- Complete background check
- Receive license after OIC review
License Types and Authority
| License Type | What You Can Sell |
|---|---|
| Life | Life insurance and annuities |
| Disability (Health) | Health, disability, LTC insurance |
| Life & Disability | All life and health products |
Washington Terminology
Washington uses "Disability" instead of "Health" for the health insurance license line:
- Disability Insurance = Health insurance line
- Life & Disability = Life & Health combined license
What is the passing score for the Washington insurance licensing exam?
How many hours of pre-license education does Washington require for a Life & Disability (Health) license?
Who administers insurance licensing exams in Washington?