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Insurance Agent
Training: 20 hours | Exam: Yes
20 hrs
P&C Education
20 hrs
L&H Education
2 years (biennial)
Renewal Cycle
$213
Gov. Fees (Both)
Insurance Producer
Washington issues producer licenses with individual lines of authority. Pre-licensing education is NOT required. Separate exams are required for each line: Life, Disability (Health), Property, Casualty, and Personal Lines. Lines are tested individually, not as combined exams.
Other Available Lines of Authority
20 hours of approved pre-licensing education required
Pre-licensing education required for most major lines.
Online courses: Allowed
Washington Property & Casualty Insurance Exam
Administered by Pearson VUE
150
Questions
70%
Passing Score
195 minutes (3 hours 15 minutes) for combined P&C
Time Limit
$52 (combined P&C) or $35 per single line
Exam Fee
Combined P&C exam available for $52, or individual Property ($35) and Casualty ($35) exams. Each exam includes general and state-specific questions. 70% passing score required. Administered at PSI testing centers or via remote proctoring.
20 hours of approved pre-licensing education required
Pre-licensing education required for most major lines.
Online courses: Allowed
Washington Life & Disability Insurance Exam
Administered by Pearson VUE
150
Questions
70%
Passing Score
195 minutes (3 hours 15 minutes) for combined exam
Time Limit
$52 (combined Life & Disability) or $35 per single line
Exam Fee
Combined Life & Disability exam available for $52, or individual Life ($35) and Disability ($35) exams. 70% passing score required.
Compare top-rated insurance pre-licensing schools in Washington.
Minimum Age
18 years old
Education
No formal education requirement; no pre-licensing education required
Residency
Must apply as resident producer if domiciled in Washington state
Background Check
Resident applicants must submit fingerprints electronically through IdentoGO for a state and federal background check. Non-resident applicants do not have fingerprint requirements.
Fingerprinting
Not required
Citizenship
Must have SSN or FEIN
Not sure if you need a insurance agent license? Check whether your state requires one.
Washington Life & Disability Insurance Exam
Questions
150 questions
Time Limit
195 minutes (3 hours 15 minutes) for combined exam
Passing Score
70%
Administered By
Pearson VUE
Cost of failing
Retake fee: $52 (combined Life & Disability) or $35 per single lineInvest in preparation to pass the first time.
How long should you study? Most candidates study 2–4 weeks before taking the Washington Life & Disability Insurance Exam.
Study Materials & Exam Prep — Life & Health Insurance License Exam
Prepare for your Life & Health Insurance License Exam with Mometrix study guides, flashcards, online courses, and practice tests.
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Complete Your Pre-Licensing Education in Washington
State-approved online courses you can start today.
| Fee | Amount |
|---|---|
Application Fee Initial resident application fee via OIC Online Services portal | $55 |
P&C Exam Fee Combined Property & Casualty exam fee via PSI. Single line exams are $35 each. | $52 |
L&H Exam Fee Combined Life & Disability exam fee via PSI. Single line exams are $35 each. | $52 |
Fingerprinting Fee Combined background check fee and IdentoGO service charge | $49 |
Total Gov. Fees (Single Line) $60 application + $35 single-line exam + $49 fingerprinting | $144 |
Total Gov. Fees (Both Lines) $60 application + $52 P&C combo exam + $52 L&H combo exam + $49 fingerprinting | $213 |
Pre-Licensing Course Cost: $0-$400(per line)
Pre-licensing education is NOT required in Washington. Education costs are optional exam prep only. NOT a government fee.
Use our licensing cost calculator to estimate your total investment including education and exam fees.
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Study for the exam (pre-licensing education not required but recommended)
Schedule and pass the Property & Casualty exam with PSI ($52 combined or $35 per line)
Submit fingerprints electronically through IdentoGO ($49)
Apply for license via OIC Online Services portal or NIPR
Pay $60 application fee
Receive license and obtain carrier appointments to begin selling
Study for the exam (pre-licensing education not required but recommended)
Schedule and pass the Life & Disability exam with PSI ($52 combined or $35 per line)
Submit fingerprints electronically through IdentoGO (if not already completed)
Apply for license via OIC Online Services portal or NIPR
Pay $60 application fee
Receive license and obtain carrier appointments to begin selling
Important: A license alone does not allow you to sell insurance
After obtaining your producer license, you must be appointed by at least one insurance company to sell their products.
Appointment fee: Paid by carrier
Non-resident licensing available through NIPR. Non-resident applicants do not have fingerprint requirements.
Additional requirements: Must hold valid resident license in home state
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Renewal Cycle
2 years (biennial)
Renewal Fee
$55
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
24 credit hours of CE per biennial renewal cycle, including 3 hours of ethics. Excess credits cannot be carried over. Course credit may only be applied toward renewal if completed within the current renewal cycle. Certificates of completion must be retained for 3 years.
Regulatory Board
Unique to Washington: Washington is one of the few states that does not require pre-licensing education. It uses the term 'Disability' instead of 'Health' for the health insurance line. Non-resident applicants are exempt from fingerprinting requirements.
Insurance Agent requirements in nearby states
Other professional licenses in Washington
See how Washington compares: Insurance Agent License Fees by State — Cheapest to Most Expensive →
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Insurance Agent Schools in Washington
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Official Sources
Insurance Agent requirements in Washington verified against Washington State Office of the Insurance Commissioner, April 2026.
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Study guides for P&C, life & health, and other insurance licensing exams.
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