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Washington State Life Insurance Exam Questions on the Law

Washington insurance law only: pick an answer to see the rule and its RCW section or WAC rule.

What is the longest a single order may suspend a Washington producer license under RCW 48.17.550?

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Unofficial practice questions, not affiliated with the Washington State Office of the Insurance Commissioner. Bank checked October 4, 2026.

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Producer licensing and continuing education 23

  • A corporation applies for a Washington producer license. Whom must it designate under RCW 48.17.090? RCW 48.17.090
  • A person knowingly sells insurance in Washington without the license RCW 48.17.060 requires. What crime does RCW 48.17.063 name? RCW 48.17.063
  • A Washington order suspending a license is served by mail with no hearing held first, under RCW 48.17.540(2)(a). How long before its effective date must it be served? RCW 48.17.540
  • A Washington producer charges the insured a fee and gives the written compensation disclosure of RCW 48.17.270. How long must the producer keep the signed writing? RCW 48.17.270
  • A Washington producer is criminally prosecuted. From which date does the 30-day reporting period of RCW 48.17.597(2) run? RCW 48.17.597
  • A Washington producer places business but does not act as the agent of any insurer. What does RCW 48.17.160 say about an appointment? RCW 48.17.160
  • A Washington producer wants to do business under an assumed name. What does RCW 48.17.180 require? RCW 48.17.180
  • After hearing, the Washington commissioner levies a fine on a producer in place of suspension. What is the most RCW 48.17.560 allows for each offense? RCW 48.17.560
  • An insurer ends a Washington producer's appointment for a reason listed in RCW 48.17.530. How soon after the effective date must it notify the commissioner under RCW 48.17.595? RCW 48.17.595
  • An insurer signs an agency contract with a Washington producer. Within how many days must it file the notice of appointment under RCW 48.17.160, unless a first application comes in sooner? RCW 48.17.160
  • For unlicensed activity, what is the most the Washington commissioner may assess as a civil penalty for each violation under RCW 48.17.063? RCW 48.17.063
  • How many credit hours of approved continuing education must a resident Washington producer with the life or disability line complete for each renewal under WAC 284-17-224? WAC 284-17-224
  • How must a Washington producer hold premiums and return premiums received, under RCW 48.17.600? RCW 48.17.600
  • Of the continuing education a Washington producer completes in each license continuation period, how many credit hours must be ethics education under WAC 284-17-224? WAC 284-17-224
  • RCW 48.17.090 has a Washington license applicant furnish fingerprints. Besides the Federal Bureau of Investigation, which agency receives them? RCW 48.17.090
  • RCW 48.17.125 forbids copying or handing out Washington license examination questions. What does the same section still let an insurance education provider do? RCW 48.17.125
  • RCW 48.17.175 gives a newly arrived Washington resident who already holds a producer license elsewhere a deadline to apply as a resident licensee. How long is it? RCW 48.17.175
  • RCW 48.17.530 lets the Washington commissioner discipline a producer who obtains a loan from an insurance client. Which client is outside that ground? RCW 48.17.530
  • The Washington commissioner mails a licensee an inquiry about the business of insurance. Under RCW 48.17.475, a timely written response reaches the commissioner within how long of receipt? RCW 48.17.475
  • What is the longest a single order may suspend a Washington producer license under RCW 48.17.550? RCW 48.17.550
  • What is the longest period for which the Washington commissioner may issue a temporary producer license without examination under RCW 48.17.510? RCW 48.17.510
  • When may the Washington commissioner revoke a producer license immediately and without hearing under RCW 48.17.540(1)? RCW 48.17.540
  • Which Washington line of authority does RCW 48.17.170 define as coverage for accident, health, and disability or sickness? RCW 48.17.170

Life policy provisions 19

  • A lapsed Washington life policy is reinstated. For how long may the insurer contest the reinstatement for fraud or material misrepresentation under RCW 48.23.270? RCW 48.23.270
  • A Washington life policy lapsed for nonpayment and was not surrendered for cash. Within how long after default must the policy allow reinstatement under RCW 48.23.120? RCW 48.23.120
  • A Washington owner returns an individual life policy under the 10-day notice of RCW 48.23.380, and the refund is not paid within 30 days. What is added to the refund? RCW 48.23.380
  • A Washington policyholder wants to borrow on the sole security of a life policy. Premiums for how many full years must have been paid first under RCW 48.23.080? RCW 48.23.080
  • An employer buys a Washington employer-owned life policy on an employee. How soon after the purchase must it give the employee written notice under RCW 48.18.580? RCW 48.18.580
  • How long must a Washington life insurer keep records of underwriting rejections of applications on juvenile lives under RCW 48.23.345? RCW 48.23.345
  • RCW 48.18.030 looks for the insurable interest behind a Washington life insurance contract at one point in time. Which one? RCW 48.18.030
  • RCW 48.18.060 requires the insured to apply for or consent in writing to a Washington life contract. Which case does the section except? RCW 48.18.060
  • RCW 48.23.030 lets a Washington life insurer add interest when a premium comes in during the days of grace. What is the highest yearly rate it allows? RCW 48.23.030
  • RCW 48.23.070 sets the latest start for annual dividends on a Washington policy that participates in surplus. When is it? RCW 48.23.070
  • RCW 48.23.260 lets a Washington life insurer limit its liability when death results from suicide within two years of issue. What is the least the limited amount may be? RCW 48.23.260
  • RCW 48.23.380(2) carves some individual life policies out of Washington's free look. Which one? RCW 48.23.380
  • Under RCW 48.18.570, on what ground may a Washington life insurer not refuse an application or charge a different rate for the same coverage? RCW 48.18.570
  • Under RCW 48.23.050, a Washington life policy is incontestable after two years from issue. Which benefits may the insurer leave out of that promise at its option? RCW 48.23.050
  • Washington death proceeds are still not tendered 90 days after proof of death is received. What does RCW 48.23.300 add to the interest rate from the ninety-first day? RCW 48.23.300
  • What is the lowest interest rate RCW 48.23.300 allows on Washington life insurance death proceeds? RCW 48.23.300
  • When does interest start to run on a death benefit a Washington insurer owes, under RCW 48.23.300? RCW 48.23.300
  • Which life policy plan may not be delivered in Washington under RCW 48.23.340? RCW 48.23.340
  • Which of these may a Washington life policy name as a cause of death for which only a reduced amount is paid, under RCW 48.23.260? RCW 48.23.260

Annuity best interest and replacement 14

  • A replacing insurer receives a Washington application that involves replacement. How soon must it send the existing insurer written communication under WAC 284-23-455? WAC 284-23-455
  • A Washington producer learns that a life sale will replace existing coverage. What is the latest moment WAC 284-23-440 allows for handing the applicant the completed replacement notice? WAC 284-23-440
  • A Washington producer recommends an annuity to a retiree. What does RCW 48.23.015 require of the producer at that moment? RCW 48.23.015
  • After a Washington annuity sale, does the care obligation of RCW 48.23.015 require the producer to keep monitoring the contract? RCW 48.23.015
  • An existing insurer undertakes a conservation after learning of a Washington replacement. How soon must it give the policyowner a policy summary or ledger statement under WAC 284-23-455? WAC 284-23-455
  • An insurer pays the office rent of a Washington annuity producer. What kind of compensation is that under the best interest statute? RCW 48.23.015
  • The applicant and the producer both sign the replacement notice in a Washington life sale. Who is left holding the signed original? WAC 284-23-440
  • Before selling annuities in Washington, a producer must complete a one-time annuity suitability course under WAC 284-17-265. How many credits is it? WAC 284-17-265
  • Is a Washington annuity producer a fiduciary of the consumer because of the best interest duty in the annuity suitability statute? RCW 48.23.015
  • RCW 48.23.015 says a Washington producer has acted in the consumer's best interest by satisfying four obligations. Which four? RCW 48.23.015
  • What does the definition of "material conflict of interest" in Washington's annuity statute, RCW 48.23.015, leave out? RCW 48.23.015
  • What may the annuity suitability training required of Washington producers by WAC 284-17-265 not include? WAC 284-17-265
  • When a Washington annuity sale is an exchange or replacement, RCW 48.23.015 has the producer consider earlier exchanges, in particular one within the preceding how many months? RCW 48.23.015
  • Which line of authority must a Washington producer hold to sell an annuity under WAC 284-17-265? WAC 284-17-265

Disability (accident and health) provisions 13

  • A Washington disability claimant gives notice of claim, and the insurer sends no claim forms. After how many days may the claimant file proof without the forms under RCW 48.20.092? RCW 48.20.092
  • A Washington disability policy ends a child's cover at a limiting age. Under RCW 48.20.420, which child stays covered past that age? RCW 48.20.420
  • A Washington disability policy has the optional cancellation provision of RCW 48.20.242. When the insured is the one who cancels, how is the earned premium figured? RCW 48.20.242
  • The age of a Washington disability insured was misstated, and at the true age the cover would never have taken effect. What is the insurer's liability under RCW 48.20.312? RCW 48.20.312
  • From what moment does a Washington disability policy that covers dependents cover a newborn child under RCW 48.20.430? RCW 48.20.430
  • On what ground does RCW 48.18.298 bar a Washington insurer from refusing to renew an individual disability policy? RCW 48.18.298
  • The owner of a lapsed Washington disability policy applies to bring it back and is handed a conditional receipt for the premium; neither approval nor disapproval ever comes. When does RCW 48.20.072 put the policy back in force? RCW 48.20.072
  • RCW 48.20.013 puts a 10-day return notice on individual disability policies in Washington. Which kind is excepted? RCW 48.20.013
  • RCW 48.20.052 lets a Washington disability policy use an "incontestable" clause if the insured may keep it in force until at least age 50. For a policy issued after age 44, what is the alternative? RCW 48.20.052
  • RCW 48.20.142 bars a lawsuit on a Washington disability policy until a set time has run from the day written proof of loss was furnished. How long is that time? RCW 48.20.142
  • Under the payment of claims timing in RCW 48.20.112, how often at the least must a Washington disability policy pay accrued indemnities for a continuing loss? RCW 48.20.112
  • What number does RCW 48.20.062 put in the grace period provision of a Washington disability policy with monthly premiums? RCW 48.20.062
  • Who pays for a physical examination of a Washington disability claimant under the provision of RCW 48.20.132? RCW 48.20.132

Unfair practices and penalties 12

  • A person keeps violating a rule the Washington commissioner adopted under RCW 48.30.010, more than ten days after receiving a cease and desist order. What is the most the fine may be for each later violation? RCW 48.30.010
  • A person knowingly makes a false statement in an application for insurance to a Washington insurer. What offense is that under RCW 48.30.210? RCW 48.30.210
  • A Washington court finds an insurer unreasonably denied a first party claim. What is the most the court may raise the damages award to under RCW 48.30.015? RCW 48.30.015
  • A Washington insured accepts a rebate of premium that the policy does not provide for. What is the most the insured may be fined under RCW 48.30.170? RCW 48.30.170
  • A Washington producer tells a prospect that a participating policy will pay a stated dividend each year. Which section does that break? RCW 48.30.100
  • Above what claim amount does presenting a false insurance claim become a class C felony under RCW 48.30.230? RCW 48.30.230
  • How does RCW 48.30.180 describe the "twisting" it forbids in Washington? RCW 48.30.180
  • Under RCW 48.30.140, which payment is not an unlawful rebate in Washington? RCW 48.30.140
  • Washington's rebating statute, RCW 48.30.140, allows promotional programs that give goods or gift cards to all prospects alike. What is the cap per person in any twelve-month period? RCW 48.30.140
  • What must every advertisement by or for an insurer set forth under RCW 48.30.050? RCW 48.30.050
  • Which assets may an insurer advertise in Washington under RCW 48.30.070? RCW 48.30.070
  • Which ground does RCW 48.30.300 name as one a Washington insurer may not use to refuse or cancel a contract of insurance? RCW 48.30.300

Guaranty association 10

  • A member insurer pays a Washington guaranty association assessment after its due date. At what rate does interest accrue under RCW 48.32A.085? RCW 48.32A.085
  • A Washington payee draws income from a structured settlement annuity whose member insurer has failed. Up to what aggregate present value does RCW 48.32A.025 protect that payee? RCW 48.32A.025
  • A Washington producer mentions the guaranty association in a sales talk to help close a life sale. What does RCW 48.32A.185 say? RCW 48.32A.185
  • An individual takes part in a governmental retirement plan funded by an unallocated annuity contract. What is the Washington association's limit for that individual under RCW 48.32A.025? RCW 48.32A.025
  • Besides the commissioner ex officio, how many member insurers sit on the board of the Washington guaranty association under RCW 48.32A.065? RCW 48.32A.065
  • How does RCW 48.32A.045 define an "insolvent insurer" for the Washington guaranty association? RCW 48.32A.045
  • Multiple nongroup policies of life insurance sit with a single Washington owner when the member insurer is declared insolvent. Regardless of how many there are, what ceiling on benefits does RCW 48.32A.025 set? RCW 48.32A.025
  • On one life, what cap does RCW 48.32A.025 put on life insurance death benefits owed by the Washington guaranty association? RCW 48.32A.025
  • The Washington guaranty association calls two classes of assessment on member insurers. What do class A assessments pay for under RCW 48.32A.085? RCW 48.32A.085
  • The Washington guaranty association's summary document carries a disclaimer. Under RCW 48.32A.185, the warning says any coverage is conditioned on what? RCW 48.32A.185

How it works

These unofficial Washington State life insurance exam questions ask the law only: 91 free practice questions written from RCW Title 48 and WAC 284, disability (accident and health) law included. Policy types, underwriting and textbook theory stay out.

Read the full guide

What the Washington law questions cover

Six groups: producer licensing and continuing education, life policy provisions, annuity best interest and replacement, disability (accident and health) provisions, unfair practices and penalties, and the guaranty association. A missed question is set aside so you can try it again.

Studying for life insurance alone

Set the topic filter to Life policy provisions, then to Annuity best interest and replacement. Producer licensing and the guaranty association apply to the life line and the disability line alike. Each answer names its RCW section or WAC rule.

  • Continuing education: 24 credit hours, 3 of them ethics, in every license continuation period (WAC 284-17-224).
  • An individual life policy returned in its 10-day period: a 10 percent penalty is added to a refund not paid within 30 days (RCW 48.23.380).
  • Death proceeds: interest runs from the date of death at not less than 8 percent (RCW 48.23.300).

Questions and answers

How many questions are on the Washington State life insurance exam?

This page gives no number. The RCW chapters and WAC rules read for this bank set no exam length, time limit or pass mark. The 25 questions that Exam mode draws are a set size only.

How many continuing education hours does a Washington insurance producer need?

Twenty-four credit hours of approved insurance continuing education for a resident producer with the life or disability line, under WAC 284-17-224. Three of those credit hours must be ethics education in every license continuation period.

How long is the free look on a Washington life insurance policy?

RCW 48.23.380 requires a notice that the owner may return an individual life policy within ten days after receiving it and have the premium refunded. A 10 percent penalty is added to a refund not paid within thirty days of the return.

Are these the real Washington State life insurance exam questions?

No. This site has never seen the state exam. The questions were written from the Revised Code of Washington and the Washington Administrative Code, and the Office of the Insurance Commissioner did not write or review them.

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