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West Virginia · State licensing

Pass the West Virginia Life & Health insurance license exam.

West Virginia requires 20 hours of pre-licensing education per line and administers Life and Accident and Health as two separate Pearson VUE exams, each with 90 questions, a 120 minute limit, an 84 dollar fee, and a 70 percent passing score.

Quick answer: The West Virginia Life & Health insurance license exam is administered by Pearson VUE as a 180-question combined exam with a 240-minute limit, and you need 70% to pass. West Virginia requires 40 hours of pre-licensing education before you can sit. The exam fee is $84 per attempt.

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Quick facts

Testing vendor
Pearson VUE
Passing score
70%
Pre-licensing hours
40h combined
Application fee
$50
Exam fee
$84 per attempt
Combined exam length
180 Q · 240 min

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

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What's on the West Virginia L&H exam.

The West Virginia L&H exam is administered by Pearson VUE after you finish a state-approved 40-hour pre-licensing course. The combined exam runs 180 questions with a 240-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 West Virginia.

Plan for roughly $174–$209 in mandatory West Virginia state and vendor fees before any study materials, plus the cost of the required 40-hour pre-licensing course.

License application
$50
Exam fee
$84 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
40 hours required

A retake means paying the $84 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.

West Virginia exam FAQ.

Does West Virginia have a single combined life and health exam?
No, West Virginia gives Life and Accident and Health as two separate exams, each with 90 questions and a 120 minute limit, so a combined license requires passing both.
How much pre-licensing education does West Virginia require?
West Virginia requires 20 hours of approved pre-licensing education for each line, 40 hours for both life and health.
What is the West Virginia insurance exam fee?
Each West Virginia insurance exam costs 84 dollars per attempt, and you must pass with at least 70 percent.

Licensing in other states too?

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