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Washington · State licensing

Pass the Washington Life & Health insurance license exam.

Washington's OIC uses PSI and requires no pre-licensing education. The state leans on a broad, application-heavy question pool, so practice volume matters.

Quick answer: The Washington Life & Health insurance license exam is administered by PSI as a 150-question combined exam with a 180-minute limit, and you need 70% to pass. Washington does not require pre-licensing education before you sit. The exam fee is $62 per attempt.

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Quick facts

Testing vendor
PSI
Passing score
70%
Pre-licensing hours
Not required
Application fee
$55
Exam fee
$62 per attempt
Combined exam length
150 Q · 180 min

Source: www.insurance.wa.gov. Confirm before you register. State schedules change.

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What's on the Washington L&H exam.

The Washington L&H exam is administered by PSI. The combined exam runs 150 questions with a 180-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Washington.

Plan for roughly $157–$192 in mandatory Washington state and vendor fees before any study materials.

License application
$55
Exam fee
$62 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
Not required

A retake means paying the $62 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Washington exam FAQ.

Does Washington require pre-licensing education?
No mandatory pre-licensing course is required for the L&H lines in Washington — you register for the PSI exam directly.
What's the Washington passing score?
70%.
Who regulates insurance licensing in Washington?
The Washington State Office of the Insurance Commissioner (OIC); PSI administers the exam.
How much does it cost to get licensed in Washington?
Roughly $117 in mandatory fees: ~$55 license fee + ~$62 exam fee per attempt. Fees and hours change frequently. Confirm the latest figures on your state insurance department's site before you register.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.