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West Virginia Health Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

West Virginia Agency Insurance Producer License

An insurance producer license for a business entity acting as an insurance agency, requiring a designated responsible licensed producer and a registered individual licensed for the requested lines of authority.

Licensing authority: insurance commissioner · Application information

Nonresident agency initial issuance
No examination is required for this applicant pathway.
Disclosures
Disclose and register required officers, partners, directors and licensed individuals; show trustworthiness and pay fees.
Registration
Register with the Secretary of State when required and lawfully register a trade name under 114CSR2-3.4–5.
Residency
Principal office elsewhere; satisfy §33-12-12 reciprocal nonresident licensing.
Responsible producer
Designate an officer, partner or director with an individual producer license responsible for legal compliance, and register at least one individual holding the requested health line under §33-12-6(b).

Official no-examination sources

Effective from 2026-09-22.

Agency reinstatement within twelve months
No examination is required for this applicant pathway.
Deadline
File renewal application within twelve months of the renewal due date; pay the unpaid renewal fee and a twenty-five-dollar penalty under 114CSR2-3.12.
Disclosures
Disclose and register required officers, partners, directors and licensed individuals; show trustworthiness and pay fees.
Registration
Register with the Secretary of State when required and lawfully register a trade name under 114CSR2-3.4–5.
Responsible producer
Designate an officer, partner or director with an individual producer license responsible for legal compliance, and register at least one individual holding the requested health line under §33-12-6(b).

Official no-examination sources

Effective from 2026-09-22.

Agency renewal
No examination is required for this applicant pathway.
Disclosures
Disclose and register required officers, partners, directors and licensed individuals; show trustworthiness and pay fees.
Registration
Register with the Secretary of State when required and lawfully register a trade name under 114CSR2-3.4–5.
Renewal
Existing licensed agency remains qualified, applies for renewal and pays the required fees under §33-12-17(b).
Responsible producer
Designate an officer, partner or director with an individual producer license responsible for legal compliance, and register at least one individual holding the requested health line under §33-12-6(b).

Official no-examination sources

Effective from 2026-09-22.

Resident agency initial issuance
No examination is required for this applicant pathway.
Disclosures
Disclose and register required officers, partners, directors and licensed individuals; show trustworthiness and pay fees.
Registration
Register with the Secretary of State when required and lawfully register a trade name under 114CSR2-3.4–5.
Residency
Principal office in West Virginia; domestic agency organized under its laws.
Responsible producer
Designate an officer, partner or director with an individual producer license responsible for legal compliance, and register at least one individual holding the requested health line under §33-12-6(b).

Official no-examination sources

Effective from 2026-09-22.

Car Rental Limited License

Authorizes a rental-company employee to sell automobile rental coverage.

Licensing authority: insurance commissioner · Application information

Nonresident rental company employee issuance
No examination is required for this applicant pathway.
Application
Submit prescribed signed application and pay the statutory annual fee.
Appointment
Appointed by the authorized insurer for rental coverage.
Eligibility
Nonresident individual employed by a rental company; §33-12-32(b)(4) expressly includes nonresident limited licensees.
Instruction
Complete the rental-company training program and supervise employees selling at the same location.
Scope
Incidental rental coverage for rental periods not exceeding ninety consecutive days; personal accident and emergency sickness coverages are among the authorized categories.

Official no-examination sources

Effective from 2026-09-22.

Car rental limited license renewal
No examination is required for this applicant pathway.
Continued eligibility
Continue as the eligible rental-company limited licensee; maintain insurer appointment and required supervision.
Fee
§33-12-32(d) requires an annual twenty-five-dollar fee.

Official no-examination sources

Effective from 2026-09-22.

Resident rental company employee issuance
No examination is required for this applicant pathway.
Application
Submit prescribed signed application and pay the statutory annual fee.
Appointment
Appointed by the authorized insurer for rental coverage.
Eligibility
Resident individual employed by a rental company.
Instruction
Complete the rental-company training program and supervise employees selling at the same location.
Scope
Incidental rental coverage for rental periods not exceeding ninety consecutive days; personal accident and emergency sickness coverages are among the authorized categories.

Official no-examination sources

Effective from 2026-09-22.

Limited Line Credit Insurance Producer

Limited credit authority includes credit disability and mortgage disability coverage; it does not authorize general health insurance sales.

Licensing authority: Insurance Commissioner · Application information

Nonresident limited credit issuance
No examination is required for this applicant pathway.
Application
Complete the applicable individual application, demonstrate eligibility and pay fees.
Instruction
Insurer must provide a program of instruction to individuals selling or negotiating limited credit insurance under §33-12-6(d).
Residency
Home-jurisdiction limited-credit license and reciprocity under §33-12-12(a),(g); West Virginia authority follows its restricted scope.
Scope
Only insurance in connection with a credit obligation, including credit disability or mortgage disability.

Official no-examination sources

Effective from 2026-09-22.

Limited credit reinstatement within twelve months
No examination is required for this applicant pathway.
Deadline
Apply within twelve months of renewal due date; pay double the unpaid renewal fee.
Scope
Retain the same credit authority; no general health authority is created.

Official no-examination sources

Effective from 2026-09-22.

Limited credit renewal
No examination is required for this applicant pathway.
Education
§33-12-8(b) exempts limited-credit and credit accident-and-health producers from continuing education.
Existing license
Existing credit authority; remain qualified and pay the renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Resident limited credit issuance
No examination is required for this applicant pathway.
Application
Complete the applicable individual application, demonstrate eligibility and pay fees.
Instruction
Insurer must provide a program of instruction to individuals selling or negotiating limited credit insurance under §33-12-6(d).
Residency
Resident individual; apply for credit authority rather than the major accident-and-health line.
Scope
Only insurance in connection with a credit obligation, including credit disability or mortgage disability.

Official no-examination sources

Effective from 2026-09-22.

limited lines travel insurance producer business entity license

Travel business entity authority with a designated responsible licensed individual producer and registered travel retailers.

Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information

Business entity limited travel issuance
No examination is required for this applicant pathway.
Applicant
Business entity applicant files prescribed limited travel license application and pays the annual two-hundred-dollar fee.
Appointment
Appointed by the licensed insurer under §33-62-4(j).
Fingerprints
DRP, president, secretary, treasurer and other persons controlling operations comply with the resident-jurisdiction fingerprint requirements under §33-62-4(b)(4).
Responsibility
Responsible for travel retailers and their instruction, registration, disclosures and lawful conduct; duties apply when operating through retailers.
Responsible producer
Designate a licensed individual employee as DRP under §33-62-4(b)(3); the DRP’s license is an applicant condition.
Retailers
Establish and maintain the prescribed travel-retailer register and provide statutory training.
Scope
Travel coverage for sickness, accident, disability, or death occurring during travel; excluded major-medical plans require appropriate major-line authority.

Official no-examination sources

Effective from 2026-09-22.

Business entity limited travel reinstatement within twelve months
No examination is required for this applicant pathway.
Continued qualification
Meet all continuing limited-license qualifications and retailer/DRP duties as applicable.
Deadline
Submit renewal within twelve months after expiration and pay the fifty-dollar penalty; reinstatement is retroactive to expiration.

Official no-examination sources

Effective from 2026-09-22.

Business entity limited travel renewal
No examination is required for this applicant pathway.
Continued qualification
Remain qualified, submit prescribed renewal application and pay annual fee; §33-62-4(i) governs expiry dates.
Scope
Continue only the limited travel authority.

Official no-examination sources

Effective from 2026-09-22.

limited lines travel insurance producer license

Individual travel license includes sickness, accident and disability occurring during travel; does not replace a major-medical producer license.

Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information

Individual limited travel issuance
No examination is required for this applicant pathway.
Applicant
Individual applicant files prescribed limited travel license application and pays the annual two-hundred-dollar fee.
Appointment
Appointed by the licensed insurer under §33-62-4(j).
Responsibility
Responsible for travel retailers and their instruction, registration, disclosures and lawful conduct; duties apply when operating through retailers.
Scope
Travel coverage for sickness, accident, disability, or death occurring during travel; excluded major-medical plans require appropriate major-line authority.

Official no-examination sources

Effective from 2026-09-22.

Individual limited travel reinstatement within twelve months
No examination is required for this applicant pathway.
Continued qualification
Meet all continuing limited-license qualifications and retailer/DRP duties as applicable.
Deadline
Submit renewal within twelve months after expiration and pay the fifty-dollar penalty; reinstatement is retroactive to expiration.

Official no-examination sources

Effective from 2026-09-22.

Individual limited travel renewal
No examination is required for this applicant pathway.
Continued qualification
Remain qualified, submit prescribed renewal application and pay annual fee; §33-62-4(i) governs expiry dates.
Scope
Continue only the limited travel authority.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Accident and Health or Sickness

Insurance producer license with the accident and health or sickness line of authority, covering sickness, bodily injury or accidental death and optionally disability income.

Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information

Restore active authority after continuing education suspension
No examination is required for this applicant pathway.
Appointments
Arrange insurer reappointment before representing the insurer; the reinstatement form states this expressly.
Education
Demonstrate satisfaction of all delinquent education and applicable laws; submit CE reinstatement form and applicable late fees.
Suspension
Suspended for CE noncompliance, not yet cancelled.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance after relocating to West Virginia
No examination is required for this applicant pathway.
Exam exemption
§33-12-14(b) requires no prelicensing or examination for the prior lines except where the commissioner determines otherwise by regulation.
Notification
Under 114CSR2A-4.2 notify the commissioner within thirty days of the change of residency and file the resident application and fingerprints within ninety days.
Prior authority
Hold the same line in the prior home jurisdiction and apply within ninety days of establishing legal residence.

Official no-examination sources

Effective from 2026-09-22.

Resident treatment for qualifying contiguous municipality
WV Accident and Health or Sickness Producer
Age
At least eighteen years of age under §33-12-6(a)(1).
Character
Trustworthy and competent; no disqualifying grounds under §33-12-24; truthful Uniform Application.
Controlled business
Do not intend principally to insure oneself, family or relatives, under §33-12-6(a)(7).
Education
Complete an approved prelicensing program; June 2026 handbook requires a Certificate of Course Completion or PL 789E.
Fees
Pay the licensing fees required by §33-12-6(a)(4).
Fingerprint window
June 2026 handbook p.7 states both "Fingerprints are valid for 60 days" and "If the process is not completed within 30 days and the fingerprints expire, the fingerprinting process must be repeated"; the applicant should confirm the applicable fingerprint deadline with WVOIC.
Fingerprints
Submit required fingerprints and criminal-history information under 114CSR2A, effective April 8, 2026; required for initial home-state issuance and an additional major line when no check has been obtained.
Residency
Reside in West Virginia under §33-12-6a; apply as a resident.
Score window
June 2026 handbook p.4: applicants not licensed within one year of passing must repeat prelicensing and the examination; p.12 requires both exam parts passed within twelve months.
Special residency
§33-12-13 treats residence in an urban community of two immediately contiguous municipalities not separated by a river or stream as resident only when the neighboring jurisdiction has like residence requirements; no other jurisdiction is investigated by this survey.
Renewal or restoration with military or other extenuating circumstances
WV Accident and Health or Sickness Producer
Discretion
§33-12-9(d) permits requesting waiver of renewal procedures, any examination requirement, fines or sanctions; grant is discretionary.
Exam condition
The exam is involved where restoration otherwise requires requalification; a commissioner-granted waiver is an applicant condition.
Hardship
Military service, long-term medical disability, or other qualifying extenuating circumstance prevents compliance with renewal procedures.
Resident applicant holding a health designation
WV Accident and Health or Sickness Producer
Age
At least eighteen years of age under §33-12-6(a)(1).
Character
Trustworthy and competent; no disqualifying grounds under §33-12-24; truthful Uniform Application.
Controlled business
Do not intend principally to insure oneself, family or relatives, under §33-12-6(a)(7).
Education
Complete an approved prelicensing program; June 2026 handbook requires a Certificate of Course Completion or PL 789E.
Fees
Pay the licensing fees required by §33-12-6(a)(4).
Fingerprint window
June 2026 handbook p.7 states both "Fingerprints are valid for 60 days" and "If the process is not completed within 30 days and the fingerprints expire, the fingerprinting process must be repeated"; the applicant should confirm the applicable fingerprint deadline with WVOIC.
Fingerprints
Submit required fingerprints and criminal-history information under 114CSR2A, effective April 8, 2026; required for initial home-state issuance and an additional major line when no check has been obtained.
Published waiver
114CSR2-2.3 says "An examination is not required as proof of competency" for its qualifying applicants; the June 2026 handbook p.2 repeats this waiver.
Qualifying credential
Registered Health Underwriter (RHU), Certified Employee Benefits Specialist (CEBS), Registered Employee Benefits Consultant (REBC), or Health Information Administration (HIA).
Residency
Reside in West Virginia under §33-12-6a; apply as a resident.
Score window
June 2026 handbook p.4: applicants not licensed within one year of passing must repeat prelicensing and the examination; p.12 requires both exam parts passed within twelve months.
Source precedence
§33-12-5(a) requires the written examination unless exempt under §33-12-14. Under this survey contract the statutory requirement supplies the leaf, while the designation-only regulatory waiver is disclosed as an applicant condition.
Resident applicant holding a college insurance degree
WV Accident and Health or Sickness Producer
Age
At least eighteen years of age under §33-12-6(a)(1).
Character
Trustworthy and competent; no disqualifying grounds under §33-12-24; truthful Uniform Application.
Controlled business
Do not intend principally to insure oneself, family or relatives, under §33-12-6(a)(7).
Education
Complete an approved prelicensing program; June 2026 handbook requires a Certificate of Course Completion or PL 789E.
Fees
Pay the licensing fees required by §33-12-6(a)(4).
Fingerprint window
June 2026 handbook p.7 states both "Fingerprints are valid for 60 days" and "If the process is not completed within 30 days and the fingerprints expire, the fingerprinting process must be repeated"; the applicant should confirm the applicable fingerprint deadline with WVOIC.
Fingerprints
Submit required fingerprints and criminal-history information under 114CSR2A, effective April 8, 2026; required for initial home-state issuance and an additional major line when no check has been obtained.
Published waiver
114CSR2-2.3 says "An examination is not required as proof of competency" for its qualifying applicants; the June 2026 handbook p.2 repeats this waiver.
Qualifying credential
College insurance degree under 114CSR2-2.3.a.4.
Residency
Reside in West Virginia under §33-12-6a; apply as a resident.
Score window
June 2026 handbook p.4: applicants not licensed within one year of passing must repeat prelicensing and the examination; p.12 requires both exam parts passed within twelve months.
Source precedence
§33-12-5(a) requires the written examination unless exempt under §33-12-14. Under this survey contract the statutory requirement supplies the leaf, while the designation-only regulatory waiver is disclosed as an applicant condition.
Individual reinstatement within twelve months
No examination is required for this applicant pathway.
Education
Complete delinquent resident education where applicable; the April 2026 CE reinstatement form requires supporting course completion certificates and late CE fees.
Lapse
Apply within twelve months from the due date of the renewal fee; pay double the unpaid renewal fee.
Source precedence
§33-12-9(c) expressly allows this reinstatement without a written examination. 114CSR42-6.8 states "Individual insurance producers who have a cancelled license or an expired license pursuant to W. Va. Code §33-12-17 shall successfully complete pre-licensing education and examination before qualifying for a new license"; the statutory twelve-month reinstatement exception controls this route.

Official no-examination sources

Effective from 2026-09-22.

Nonresident initial issuance by reciprocity
No examination is required for this applicant pathway.
Application
Submit proper request, home-state application or completed Uniform Application, and fees under §33-12-12(a).
Home exam
Any licensing or examination required by another jurisdiction is an applicant condition, not a West Virginia exam requirement.
Reciprocity
The home jurisdiction must award nonresident licenses to West Virginia residents on the same basis.
Resident license
Currently licensed as a resident in good standing in the home jurisdiction for the same line and on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Application
Submit proper request, home-state application or completed Uniform Application, and fees under §33-12-12(a).
Education
Reciprocal home-jurisdiction continuing education satisfies West Virginia requirements under §33-12-33(b).
Fees
Maintain the home license and pay West Virginia renewal fees by the due date.
Home exam
Any licensing or examination required by another jurisdiction is an applicant condition, not a West Virginia exam requirement.
Reciprocity
The home jurisdiction must award nonresident licenses to West Virginia residents on the same basis.
Resident license
Currently licensed as a resident in good standing in the home jurisdiction for the same line and on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Initial issuance with qualifying prior license
No examination is required for this applicant pathway.
Exam exemption
§33-12-14(a) exempts qualifying applicants from prelicensing education and examination.
Other requirements
Meet the remaining application, character, fees and applicable fingerprint requirements.
Prior authority
Previously licensed for the same line elsewhere; currently licensed there or apply within ninety days of cancellation, with good-standing certification or the NAIC database record required by §33-12-14(a).

Official no-examination sources

Effective from 2026-09-22.

Resident addition of accident and health or sickness authority
WV Accident and Health or Sickness Producer
Age
At least eighteen years of age under §33-12-6(a)(1).
Character
Trustworthy and competent; no disqualifying grounds under §33-12-24; truthful Uniform Application.
Controlled business
Do not intend principally to insure oneself, family or relatives, under §33-12-6(a)(7).
Education
Complete an approved prelicensing program; June 2026 handbook requires a Certificate of Course Completion or PL 789E.
Existing license
Hold a producer license and request an additional health line; a criminal check is required when none has previously been obtained.
Fees
Pay the licensing fees required by §33-12-6(a)(4).
Fingerprint window
June 2026 handbook p.7 states both "Fingerprints are valid for 60 days" and "If the process is not completed within 30 days and the fingerprints expire, the fingerprinting process must be repeated"; the applicant should confirm the applicable fingerprint deadline with WVOIC.
Fingerprints
Submit required fingerprints and criminal-history information under 114CSR2A, effective April 8, 2026; required for initial home-state issuance and an additional major line when no check has been obtained.
Residency
Reside in West Virginia under §33-12-6a; apply as a resident.
Score window
June 2026 handbook p.4: applicants not licensed within one year of passing must repeat prelicensing and the examination; p.12 requires both exam parts passed within twelve months.
Resident initial issuance by examination
WV Accident and Health or Sickness Producer
Age
At least eighteen years of age under §33-12-6(a)(1).
Character
Trustworthy and competent; no disqualifying grounds under §33-12-24; truthful Uniform Application.
Controlled business
Do not intend principally to insure oneself, family or relatives, under §33-12-6(a)(7).
Education
Complete an approved prelicensing program; June 2026 handbook requires a Certificate of Course Completion or PL 789E.
Fees
Pay the licensing fees required by §33-12-6(a)(4).
Fingerprint window
June 2026 handbook p.7 states both "Fingerprints are valid for 60 days" and "If the process is not completed within 30 days and the fingerprints expire, the fingerprinting process must be repeated"; the applicant should confirm the applicable fingerprint deadline with WVOIC.
Fingerprints
Submit required fingerprints and criminal-history information under 114CSR2A, effective April 8, 2026; required for initial home-state issuance and an additional major line when no check has been obtained.
Residency
Reside in West Virginia under §33-12-6a; apply as a resident.
Score window
June 2026 handbook p.4: applicants not licensed within one year of passing must repeat prelicensing and the examination; p.12 requires both exam parts passed within twelve months.
Resident new license after voluntary or CE cancellation
WV Accident and Health or Sickness Producer
Age
At least eighteen years of age under §33-12-6(a)(1).
Cancellation
Voluntary cancellation or automatic cancellation after failure to cure CE suspension by the end of the following reporting period.
Character
Trustworthy and competent; no disqualifying grounds under §33-12-24; truthful Uniform Application.
Controlled business
Do not intend principally to insure oneself, family or relatives, under §33-12-6(a)(7).
Education
Complete an approved prelicensing program; June 2026 handbook requires a Certificate of Course Completion or PL 789E.
Fees
Pay the licensing fees required by §33-12-6(a)(4).
Fingerprint window
June 2026 handbook p.7 states both "Fingerprints are valid for 60 days" and "If the process is not completed within 30 days and the fingerprints expire, the fingerprinting process must be repeated"; the applicant should confirm the applicable fingerprint deadline with WVOIC.
Fingerprints
Submit required fingerprints and criminal-history information under 114CSR2A, effective April 8, 2026; required for initial home-state issuance and an additional major line when no check has been obtained.
Requalification
114CSR42-8.2.2 and -6.8 require prelicensing and examination before resuming the insurance business.
Residency
Reside in West Virginia under §33-12-6a; apply as a resident.
Score window
June 2026 handbook p.4: applicants not licensed within one year of passing must repeat prelicensing and the examination; p.12 requires both exam parts passed within twelve months.
Resident new license after lapse beyond reinstatement window
WV Accident and Health or Sickness Producer
Age
At least eighteen years of age under §33-12-6(a)(1).
Character
Trustworthy and competent; no disqualifying grounds under §33-12-24; truthful Uniform Application.
Controlled business
Do not intend principally to insure oneself, family or relatives, under §33-12-6(a)(7).
Education
Complete an approved prelicensing program; June 2026 handbook requires a Certificate of Course Completion or PL 789E.
Fees
Pay the licensing fees required by §33-12-6(a)(4).
Fingerprint window
June 2026 handbook p.7 states both "Fingerprints are valid for 60 days" and "If the process is not completed within 30 days and the fingerprints expire, the fingerprinting process must be repeated"; the applicant should confirm the applicable fingerprint deadline with WVOIC.
Fingerprints
Submit required fingerprints and criminal-history information under 114CSR2A, effective April 8, 2026; required for initial home-state issuance and an additional major line when no check has been obtained.
Lapse
Outside the twelve-month same-license reinstatement window; qualify for a new license.
Requalification
114CSR42-6.8 requires prelicensing and examination for expired or cancelled licenses.
Residency
Reside in West Virginia under §33-12-6a; apply as a resident.
Score window
June 2026 handbook p.4: applicants not licensed within one year of passing must repeat prelicensing and the examination; p.12 requires both exam parts passed within twelve months.
Resident renewal
No examination is required for this applicant pathway.
Active license
Existing resident producer authority.
Education
Satisfy the resident continuing education required by §33-12-8; ordinarily up to twenty-four hours biennially, with the statutory six-hour category for sole scripted telemarketing.
Fees
Pay the renewal fee by the due date; maintain compliance with all other licensing requirements.

Official no-examination sources

Effective from 2026-09-22.

Return following insurance related public employment
WV Accident and Health or Sickness Producer
Age
At least eighteen years of age under §33-12-6(a)(1).
Character
Trustworthy and competent; no disqualifying grounds under §33-12-24; truthful Uniform Application.
Controlled business
Do not intend principally to insure oneself, family or relatives, under §33-12-6(a)(7).
Deadline
Apply within one year of termination of that employment.
Education
Complete an approved prelicensing program; June 2026 handbook requires a Certificate of Course Completion or PL 789E.
Exemption
114CSR2-2.4 states exempt from re-examination; §33-12-5(a) identifies only §33-12-14 as its exception. The statute supplies this route’s leaf under the contract, with the regulatory exemption disclosed.
Fees
Pay the licensing fees required by §33-12-6(a)(4).
Fingerprint window
June 2026 handbook p.7 states both "Fingerprints are valid for 60 days" and "If the process is not completed within 30 days and the fingerprints expire, the fingerprinting process must be repeated"; the applicant should confirm the applicable fingerprint deadline with WVOIC.
Fingerprints
Submit required fingerprints and criminal-history information under 114CSR2A, effective April 8, 2026; required for initial home-state issuance and an additional major line when no check has been obtained.
Previous license
West Virginia license was terminated as a condition of insurance-related public employment.
Residency
Reside in West Virginia under §33-12-6a; apply as a resident.
Score window
June 2026 handbook p.4: applicants not licensed within one year of passing must repeat prelicensing and the examination; p.12 requires both exam parts passed within twelve months.
Returning former resident with recognized outside CE
No examination is required for this applicant pathway.
Education
114CSR42-6.9 recognizes approved continuing education completed while licensed elsewhere when its listed conditions are met.
Prior license
Former resident producer surrendered West Virginia authority in good standing and remained licensed in good standing elsewhere.
Residency
Reestablish West Virginia residence, request reinstatement, and meet §33-12-14(a) or (b) timing and same-line conditions for examination exemption.

Official no-examination sources

Effective from 2026-09-22.

Restore authority after voluntary continuing education suspension
No examination is required for this applicant pathway.
Deadline
Complete before cancellation at the end of the following reporting period.
Education
Show all required education completed and satisfy all applicable laws.
Suspension
Voluntarily suspended while completing delinquent education; do not transact insurance during suspension.

Official no-examination sources

Effective from 2026-09-22.

Provisional License

Provisional work authority while the submitted criminal-history check is pending; expires on the stated date or the licensing decision, whichever is earlier.

Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information

Provisional resident initial authority pending background check
WV Accident and Health or Sickness Producer
Age
At least eighteen years of age under §33-12-6(a)(1).
Background pending
Submit the fingerprint materials, fee and identifying information in proper form; disclose no disqualifying matter; commissioner may grant provisional authority before receiving the check.
Character
Trustworthy and competent; no disqualifying grounds under §33-12-24; truthful Uniform Application.
Controlled business
Do not intend principally to insure oneself, family or relatives, under §33-12-6(a)(7).
Education
Complete an approved prelicensing program; June 2026 handbook requires a Certificate of Course Completion or PL 789E.
Fees
Pay the licensing fees required by §33-12-6(a)(4).
Fingerprint window
June 2026 handbook p.7 states both "Fingerprints are valid for 60 days" and "If the process is not completed within 30 days and the fingerprints expire, the fingerprinting process must be repeated"; the applicant should confirm the applicable fingerprint deadline with WVOIC.
Fingerprints
Submit required fingerprints and criminal-history information under 114CSR2A, effective April 8, 2026; required for initial home-state issuance and an additional major line when no check has been obtained.
Residency
Reside in West Virginia under §33-12-6a; apply as a resident.
Score window
June 2026 handbook p.4: applicants not licensed within one year of passing must repeat prelicensing and the examination; p.12 requires both exam parts passed within twelve months.
Term
Expires on the earlier of its stated expiration date or the licensing decision.
Provisional resident authority for qualifying prior license
No examination is required for this applicant pathway.
Background pending
Submit complete fingerprint application with no disclosed disqualification; commissioner may issue provisional authority pending the background result.
Prior authority
Meet §33-12-14(a) or (b) for examination exemption and the same health line.
Term
Expires on the stated date or the licensing decision, whichever is earlier.

Official no-examination sources

Effective from 2026-09-22.

service representative permit

Renewal-only permit for salaried nonresident insurer employees assisting resident individual insurance producers; the commissioner may issue it without a written examination.

Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information

Existing service representative permit renewal only
No examination is required for this applicant pathway.
Employment
Salaried nonresident insurer employee assigned to assist the resident producer.
Existing permit
Only renewal of an existing permit is issued after July 1, 2004.
Fee and term
Twenty-five-dollar fee; statutory expiry at midnight March 31 after issuance.
Scope
Act only in the actual company of that producer; permit conveys no countersigning authority.

Official no-examination sources

Effective from 2026-09-22.

Solicitor's License

Renewal-only historical solicitor license; acts solely through the appointing licensed agent.

Licensing authority: West Virginia Offices of the Insurance Commissioner · Application information

Existing solicitor license renewal only
No examination is required for this applicant pathway.
Appointing agent
Solicit only for the appointing duly licensed agent and report through that agent; the agent may have no more than two solicitors, and life insurance agents may have none.
Existing license
Only renewal of an existing solicitor license is authorized after June 1, 1990.
Fees
Remain qualified and apply and pay renewal fees under §33-12-17(a).
Termination
The appointing agent’s lapse, cancellation, suspension or revocation has the same effect on the solicitor license.

Official no-examination sources

Effective from 2026-09-22.

temporary insurance producer license

Temporary authority for servicing an existing insurance business under §33-12-16.

Licensing authority: Insurance Commissioner · Application information

Temporary servicing during active military service
No examination is required for this applicant pathway.
Eligibility
Designee of the licensed producer entering active Armed Forces service.
Sponsor
Commissioner may require a suitable licensed producer or insurer sponsor responsible for the temporary licensee’s acts.
Term
Not more than one hundred eighty days; authority may be limited or revoked and may not continue after disposal of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance in another public interest circumstance
No examination is required for this applicant pathway.
Eligibility
Commissioner considers that the public interest is best served by the temporary issuance.
Sponsor
Commissioner may require a suitable licensed producer or insurer sponsor responsible for the temporary licensee’s acts.
Term
Not more than one hundred eighty days; authority may be limited or revoked and may not continue after disposal of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary servicing for death or disability
No examination is required for this applicant pathway.
Eligibility
Surviving spouse or court-appointed personal representative of the producer who dies or becomes mentally or physically disabled; serve the existing business during sale, recovery, or replacement personnel training.
Sponsor
Commissioner may require a suitable licensed producer or insurer sponsor responsible for the temporary licensee’s acts.
Term
Not more than one hundred eighty days; authority may be limited or revoked and may not continue after disposal of the business.

Official no-examination sources

Effective from 2026-09-22.

WV Accident and Health or Sickness Producer

Provider
Pearson VUE
Format
Computer-based written examination; general knowledge and West Virginia law parts
Exam questions
50 scored general-knowledge questions plus 5 pretest; 30 scored state-law questions plus 6 pretest
Time limit
2 hours
Passing score
Scaled score of 70
Exam fee
$84
Examination outline
  • General Knowledge — I. TYPES OF POLICIES (16 scoreable questions)
    • A. Disability income
    • A. Disability income — 1. Individual disability income policy
    • A. Disability income — 2. Business overhead expense policy
    • A. Disability income — 3. Business disability buyout policy
    • A. Disability income — 4. Group disability income policy
    • A. Disability income — 5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C. Medical expense insurance — 1. Basic hospital, medical, and surgical policies
    • C. Medical expense insurance — 2. Major medical policies
    • C. Medical expense insurance — 3. Health Maintenance Organizations (HMOs)
    • C. Medical expense insurance — 4. Preferred Provider Organizations (PPOs)
    • C. Medical expense insurance — 5. Point of Service (POS) plans
    • C. Medical expense insurance — 6. Flexible Spending Accounts (FSAs)
    • C. Medical expense insurance — 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C. Medical expense insurance — 8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E. Group insurance — 1. Differences between individual and group contracts
    • E. Group insurance — 2. General characteristics
    • E. Group insurance — 3. COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F. Individual/Group Long Term Care (LTC) — 1. Eligibility
    • F. Individual/Group Long Term Care (LTC) — 2. Levels of care
    • G. Other policies
    • G. Other policies — 1. Dental
    • G. Other policies — 2. Vision
    • G. Other policies — 3. Cancer
    • G. Other policies — 4. Critical illness or specified disease
    • G. Other policies — 5. Worksite (employer-sponsored)
    • G. Other policies — 6. Hospital indemnity
    • G. Other policies — 7. Short-term medical
    • G. Other policies — 8. Accident
  • General Knowledge — II. POLICY PROVISIONS, CLAUSES, AND RIDERS (15 scoreable questions)
    • A. Mandatory and optional provisions
    • A. Mandatory and optional provisions — 1. Entire contract
    • A. Mandatory and optional provisions — 2. Time limit on certain defenses (incontestable)
    • A. Mandatory and optional provisions — 3. Grace period
    • A. Mandatory and optional provisions — 4. Reinstatement
    • A. Mandatory and optional provisions — 5. Notice of claim
    • A. Mandatory and optional provisions — 6. Claim forms
    • A. Mandatory and optional provisions — 7. Proof of loss
    • A. Mandatory and optional provisions — 8. Time of payment of claims
    • A. Mandatory and optional provisions — 9. Payment of claims
    • A. Mandatory and optional provisions — 10. Physical examination and autopsy
    • A. Mandatory and optional provisions — 11. Legal actions
    • A. Mandatory and optional provisions — 12. Change of beneficiary
    • A. Mandatory and optional provisions — 13. Misstatement of age or gender
    • A. Mandatory and optional provisions — 14. Change of occupation
    • A. Mandatory and optional provisions — 15. Illegal occupation
    • A. Mandatory and optional provisions — 16. Relation of earnings to insurance
    • B. Other provisions and clauses
    • B. Other provisions and clauses — 1. Insuring clause
    • B. Other provisions and clauses — 2. Free look
    • B. Other provisions and clauses — 3. Consideration clause
    • B. Other provisions and clauses — 4. Probationary period
    • B. Other provisions and clauses — 5. Elimination period
    • B. Other provisions and clauses — 6. Waiver of premium
    • B. Other provisions and clauses — 7. Exclusions and limitations
    • B. Other provisions and clauses — 8. Preexisting conditions
    • B. Other provisions and clauses — 9. Coinsurance
    • B. Other provisions and clauses — 10. Deductibles
    • B. Other provisions and clauses — 11. Eligible expenses
    • B. Other provisions and clauses — 12. Copayments
    • B. Other provisions and clauses — 13. Pre-authorizations and prior approval requirements
    • B. Other provisions and clauses — 14. Usual, reasonable, and customary (URC) charges
    • B. Other provisions and clauses — 15. Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C. Riders — 1. Impairment/exclusions
    • C. Riders — 2. Guaranteed insurability
    • C. Riders — 3. Future increase option
    • D. Rights of renewability
    • D. Rights of renewability — 1. Noncancelable
    • D. Rights of renewability — 2. Cancelable
    • D. Rights of renewability — 3. Guaranteed renewable
  • General Knowledge — III. SOCIAL INSURANCE (6 scoreable questions)
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • General Knowledge — IV. OTHER INSURANCE CONCEPTS (5 scoreable questions)
    • A. Total, partial, recurrent and residual disability
    • B. Owner’s rights
    • C. Dependent children benefits
    • D. Primary and contingent beneficiaries
    • E. Modes of premium payments
    • F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • G. Occupational vs. non-occupational
    • H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • I. Managed care
    • J. Workers Compensation
    • J. Workers Compensation — 1. Impact on health insurance benefits
    • K. Subrogation
    • L. Cost containment
  • General Knowledge — V. FIELD UNDERWRITING PROCEDURES (8 scoreable questions)
    • A. Completing the application
    • B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • D. Submitting application (and initial premium if collected) to company for underwriting
    • E. Policy delivery
    • F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • G. Replacement
    • H. Contract law
    • H. Contract law — 1. Elements of a contract
    • H. Contract law — 2. Insurable interest
    • H. Contract law — 3. Warranties and representations
    • H. Contract law — 4. Unique aspects of the insurance contract
    • H. Contract law — 4. Unique aspects of the insurance contract — a. Conditional
    • H. Contract law — 4. Unique aspects of the insurance contract — b. Unilateral
    • H. Contract law — 4. Unique aspects of the insurance contract — c. Adhesion
    • H. Contract law — 4. Unique aspects of the insurance contract — d. Aleatory
  • West Virginia Specific — I. WEST VIRGINIA LAWS AND RULES COMMON TO LIFE AND ACCIDENT AND SICKNESS INSURANCE (21 scoreable questions)
    • A. Insurance Commissioner (2 questions)
    • A. Insurance Commissioner (2 questions) — 1. Broad powers
    • A. Insurance Commissioner (2 questions) — 2. Examination of records
    • A. Insurance Commissioner (2 questions) — 3. Notice and conduct of hearing
    • A. Insurance Commissioner (2 questions) — 4. Penalties
    • A. Insurance Commissioner (2 questions) — 5. Filing and approval of forms
    • B. Definitions (4 questions)
    • B. Definitions (4 questions) — 1. Domestic, foreign, and alien companies
    • B. Definitions (4 questions) — 2. Stock and mutual
    • B. Definitions (4 questions) — 3. Transacting insurance
    • B. Definitions (4 questions) — 4. Producer
    • C. Licensing (7 questions)
    • C. Licensing (7 questions) — 1. Purpose/Requirements
    • C. Licensing (7 questions) — 2. Qualifications
    • C. Licensing (7 questions) — 2. Qualifications — a. Producer
    • C. Licensing (7 questions) — 2. Qualifications — b. Direct response
    • C. Licensing (7 questions) — 2. Qualifications — c. Nonresident Life/A&H producer
    • C. Licensing (7 questions) — 2. Qualifications — d. Fingerprinting
    • C. Licensing (7 questions) — 3. Termination of license
    • C. Licensing (7 questions) — 3. Termination of license — a. Expiration and cancellation
    • C. Licensing (7 questions) — 3. Termination of license — b. Revocation and suspension
    • C. Licensing (7 questions) — 3. Termination of license — c. Nonrenewal
    • C. Licensing (7 questions) — 4. Limitation of license
    • C. Licensing (7 questions) — 5. Appointment
    • C. Licensing (7 questions) — 6. Education requirements
    • C. Licensing (7 questions) — 6. Education requirements — a. Continuing education
    • C. Licensing (7 questions) — 7. Mandatory reporting requirements
    • C. Licensing (7 questions) — 7. Mandatory reporting requirements — a. Criminal prosecution and administrative action
    • C. Licensing (7 questions) — 7. Mandatory reporting requirements — b. Fraud
    • D. Unfair Trade Practices (6 questions)
    • D. Unfair Trade Practices (6 questions) — 1. Unfair claims methods and practices
    • D. Unfair Trade Practices (6 questions) — 2. Excessive charges
    • D. Unfair Trade Practices (6 questions) — 3. Rebating
    • D. Unfair Trade Practices (6 questions) — 4. Coercion
    • D. Unfair Trade Practices (6 questions) — 5. Misrepresentation
    • D. Unfair Trade Practices (6 questions) — 6. Defamation
    • D. Unfair Trade Practices (6 questions) — 7. Advertising
    • D. Unfair Trade Practices (6 questions) — 8. Penalties
    • E. Mass Marketed Life & Sickness Insurance (1 question)
    • F. West Virginia Life and Health Guaranty Association (1 question)
    • G. Unauthorized Insurers
  • West Virginia Specific — II. WEST VIRGINIA LAWS AND RULES PERTINENT TO ACCIDENT AND HEALTH OR SICKNESS INSURANCE ONLY (9 scoreable questions)
    • A. Required Disclosure Provisions; Individual Minimum A&S Standards (1 question)
    • B. Requirements for Replacement; Individual Minimum A&S Standards (1 question)
    • C. Medicare Supplement Insurance (2 questions)
    • D. Health Maintenance Organization Act (1 question)
    • D. Health Maintenance Organization Act (1 question) — 1. Definitions
    • D. Health Maintenance Organization Act (1 question) — 2. Deceptive practice
    • E. Corporations (1 question)
    • E. Corporations (1 question) — 1. Hospital service corporations
    • E. Corporations (1 question) — 2. Medical service corporations
    • E. Corporations (1 question) — 3. Dental service corporations
    • E. Corporations (1 question) — 4. Health service corporations
    • F. Coverage for Newborn Children (1 question)
    • G. Long-Term Care (1–2 questions)
    • H. Small Employer Group (0–1 question)
Examination sources