Wyoming P&C Producer Licensing Requirements

Licensing Overview

Wyoming issues Property & Casualty producer licenses under Wyoming Statute Title 26, Chapter 9. The licensing process is administered by the Wyoming Department of Insurance in cooperation with the National Insurance Producer Registry (NIPR).

Pre-License Education

NO EDUCATION REQUIRED

Wyoming is unique: The state requires NO mandatory pre-licensing education for Property & Casualty producer licenses.

Exam Tip: While Wyoming doesn't mandate pre-licensing education, this doesn't mean the exam is easy. Most successful candidates invest 40-80 hours in self-study to master P&C principles and Wyoming law.

Examination Requirements

Exam Structure

Dual Passing Requirement

Critical: Wyoming requires 70% on:

1. The General Knowledge section, AND
2. The Wyoming State Law section

Scores are NOT averaged. Both sections must independently achieve 70%.

Example:

• General Knowledge: 85% ✓
• Wyoming State Law: 68% ✗
• Result: FAIL (must retake entire exam)

Scheduling the Exam

With Pearson VUE:

• Online: www.pearsonvue.com
• Phone: (866) 936-7786
• Schedule at least 24 hours in advance
• Testing centers or online proctored available

Testing Options:

1. Testing Center: Multiple locations in Wyoming
2. OnVUE (Online Proctored): Test from home/office with webcam

Exam Day Requirements

Required Identification (bring TWO):

• Primary: Government-issued photo ID (driver's license, passport)
• Secondary: Credit card, employee ID, or second government ID

Not Allowed:

• Cell phones or electronic devices
• Study materials, notes, or books
• Calculators (basic calculator provided if needed)
• Food or beverages

License Application Process

Step-by-Step Application

1. Pass the Pearson VUE Exam

   • Achieve 70% on both sections
   • Receive immediate pass/fail notification
   • Exam results valid for 12 months

2. Submit Application

   • Apply through NIPR or Wyoming Department of Insurance
   • Complete application within 12 months of passing exam
   • Provide personal and employment information

3. Background Check

   • Submit fingerprints for FBI background check
   • Pay $39 background check fee
   • Disclose any criminal history

4. Pay Licensing Fee

   • $100 license application fee
   • Payment via credit card or check

5. Receive License

   • Department reviews and approves application
   • License issued electronically
   • License number assigned

Total Licensing Costs

License Term and Renewal

Biennial License Period

Example:

• Producer born May 15, 1985
• License issued June 1, 2026
• First expiration: May 31, 2028
• Renewal period: March 1 - May 31, 2028

Renewal Process

1. Complete Continuing Education (24 hours including 3 ethics)
2. Submit Renewal Application through NIPR
3. Pay Renewal Fee ($100)
4. Update Information (employment, address changes)
5. Receive Renewed License

Exam Tip: Wyoming licenses expire on the last day of the producer's birth month biennially. This is unique—many states use a fixed renewal date for all licensees.

Continuing Education Requirements

CE Hour Requirements

CE Compliance Details

Reporting Period: Each 2-year license period

Approved Courses:

• Must be approved by the Wyoming Department of Insurance
• National CE courses approved in other states generally accepted
• Ethics course must specifically address insurance ethics

Carryover Credits:

• Complete CE within 120 days before renewal
• Up to 12 excess hours carry to next period
• Must apply carryover credits during renewal

Nonresident CE Exemption

Home State Reciprocity: Wyoming grants CE exemption to nonresident producers:

Exam Tip: Nonresident producers in compliance with their home state CE requirements are automatically compliant in Wyoming (reciprocity). This encourages multi-state licensing.

License Types and Lines of Authority

Producer License Categories

Wyoming issues the following P&C-related lines of authority:

License Limitations

Producers may only sell insurance for:

• Lines of authority listed on their license
• Insurers they are appointed with
• Products they are qualified and trained to sell

Violation: Selling outside your lines of authority is grounds for license discipline.

Appointment Requirements

Insurer Appointments

Producers must be appointed by insurers to sell their products:

Appointment Process:

1. Insurer submits appointment to Wyoming DOI
2. Producer must hold appropriate license
3. Department processes appointment
4. Producer authorized to sell that insurer's products

Multiple Appointments: Producers may hold appointments with multiple insurers simultaneously.

Termination Notification: When an insurer terminates a producer appointment for cause (violation, misconduct), the insurer must notify the Department within 30 days.

Exam Tip: Having a license is not enough—producers must also be appointed by insurers. Selling without appointment is unauthorized practice.