Wyoming life and health practice exam
Free life and health practice for the Wyoming producer exam: 273 general questions plus 14 Wyoming state law questions, each with an explanation.
Wyoming state law questions
Every Wyoming question with its answer, explanation, and the law it comes from.
Licensing and CE
10 questions
1. How many CE hours must a Wyoming resident producer complete each licensing period?
- 24 hours, with no ethics requirement
- 12 hours, including 2 hours of ethics
- 30 hours, including 6 hours of ethics
- 24 hours, including 3 hours of ethics
Show answer
The Wyoming Department of Insurance requires 24 hours each licensing period, 3 of them on ethics.
2. How many excess CE credits may a Wyoming producer carry forward, and how do they count?
- Up to 6, as ethics credits
- Up to 12, as general credits only
- Up to 24, including ethics
- None
Show answer
The Wyoming Department of Insurance allows up to 12 credits to carry forward, and they count only as general credits.
3. A Wyoming producer wants to repeat a CE course already completed. How long must the producer wait to earn credit again?
- 12 months
- 24 months
- 48 months
- Credit for a repeated course is never allowed
Show answer
The Wyoming Department of Insurance does not allow credit for the same class again for 48 months.
4. A Wyoming producer asks for more time to finish CE. What is the Department's policy?
- It grants up to 1 year automatically
- It grants 90 days for a fee
- It grants up to 6 months for good cause
- It does not grant CE extensions for any reason
Show answer
The Wyoming Department of Insurance states that it does not grant CE extensions for any reason.
5. How often, and on what date, does a Wyoming producer license renew?
- Every year on December 31
- Every 2 years, on the last day of the producer's birth month
- Every 2 years on April 1
- Every 3 years on the license anniversary
Show answer
The Wyoming Department of Insurance renews licenses every two years on the last day of the birth month.
6. A Wyoming producer misses the renewal date. What does reinstatement require?
- Within 1 year: finish all CE and pay a late fee equal to 100 percent of the renewal fee
- Reinstatement is not available; a new exam is always required
- Within 2 years: pay a $25 late fee
- Within 30 days: pay the regular renewal fee
Show answer
The Wyoming Department of Insurance allows a one-year reinstatement period with a late fee equal to the renewal fee. After that, residents must retest and be fingerprinted again.
7. Which Wyoming applicants must be fingerprinted?
- No applicants; Wyoming does not require fingerprints
- First-time resident applicants
- All nonresident applicants
- Every producer at each renewal
Show answer
The Wyoming Department of Insurance fingerprints first-time resident applicants. Nonresidents are not fingerprinted.
8. What is the minimum age to apply for a Wyoming insurance producer license?
- 19
- 21
- 16
- 18
Show answer
The Wyoming Department of Insurance states that anyone 18 or older can apply.
9. What CE does Wyoming require of nonresident producers?
- They follow their home state's CE rules; Wyoming adds no requirement
- 24 Wyoming-specific hours
- 4 hours of Wyoming law
- 12 hours, including 3 of ethics
Show answer
The Wyoming Department of Insurance requires nonresidents to meet their resident state's CE and stay in good standing.
10. Which company administers Wyoming's insurance licensing exams?
- Prometric
- The Wyoming Department of Insurance itself
- Pearson VUE
- PSI
Show answer
The Wyoming Department of Insurance links to Pearson VUE to schedule licensing exams.
Producer Regulation
1 questions
1. For an individual agent, Wyoming civil penalties are capped at:
- $1,000 per offense and $10,000 in aggregate per year
- $5,000 per offense and $50,000 in aggregate per year
- $500 per offense with no annual cap
- $10,000 per offense and $100,000 in aggregate per year
Show answer
W.S. 26-1-107(b) caps civil penalties for individual agents at those amounts. Other persons face up to $5,000 per offense and $50,000 a year.
Guaranty Association
3 questions
1. The Wyoming Life and Health Insurance Guaranty Association covers life insurance death benefits up to:
- $500,000
- $300,000
- $100,000
- $250,000
Show answer
Under Wyoming law, death benefits are covered up to $300,000 and cash values up to $100,000.
2. What is the Wyoming guaranty association limit for annuity withdrawal and cash values?
- $100,000
- $500,000
- $300,000
- $250,000
Show answer
Wyoming covers annuity withdrawal and cash values up to $250,000.
3. What is the most the Wyoming guaranty association will pay for one individual, no matter how many policies are involved?
- $300,000
- $5,000,000
- $500,000
- $1,000,000
Show answer
The Wyoming guaranty association notice states a $500,000 maximum per individual regardless of the number of policies.
Keep studying
The general topics make up most of the exam.
Wyoming exam questions
How much of the Wyoming life and health exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Wyoming candidate handbook from your testing provider for the exact content outline.
What does the Wyoming state law section cover?
Common areas include licensing and continuing education, required policy provisions, replacement rules, and the guaranty association. This page covers: licensing and ce, producer regulation, guaranty association.
Where do these state questions come from?
Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.
Do I still need the general questions?
Yes. Most of the exam is general life and health knowledge. The full exam option here mixes 273 general questions with the Wyoming state law questions.