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Wisconsin Life 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.

Intermediary Firm

Optional firm license in Wisconsin. The firm itself has no authority to transact insurance business; that authority rests with its designated responsible licensed producer and the lines of authority they actively hold.

Licensing authority: Wisconsin Office of the Commissioner of Insurance · Application information

Initial issuance — nonresident
No examination is required for this applicant pathway.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Entity
Provide the Uniform Application, entity/officer information and applicable Wisconsin business registration; the optional firm license itself grants no producer authority.
Fee
Initial fee $100.
Licensed representative
Designate an actively licensed responsible producer with authority for the Life business; all activities requiring an individual license must be performed by licensed individuals.
Reciprocity
Confirm the active reciprocal resident firm license and consent to Wisconsin jurisdiction.
Residency
Nonresident.

Official no-examination sources

Effective from 2026-09-22.

Initial issuance — resident
No examination is required for this applicant pathway.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Entity
Provide the Uniform Application, entity/officer information and applicable Wisconsin business registration; the optional firm license itself grants no producer authority.
Fee
Initial fee $100.
Licensed representative
Designate an actively licensed responsible producer with authority for the Life business; all activities requiring an individual license must be performed by licensed individuals.
Residency
Resident.

Official no-examination sources

Effective from 2026-09-22.

New application after expiration
No examination is required for this applicant pathway.
Entity
Provide the Uniform Application, entity/officer information and applicable Wisconsin business registration; the optional firm license itself grants no producer authority.
Expired license
OCI states this license is not eligible for reinstatement. Reapply through NIPR and pay the initial licensing fee; meet current resident or nonresident requirements.
Fee
Initial fee $100.
Licensed representative
Designate an actively licensed responsible producer with authority for the Life business; all activities requiring an individual license must be performed by licensed individuals.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal — nonresident
No examination is required for this applicant pathway.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Entity
Provide the Uniform Application, entity/officer information and applicable Wisconsin business registration; the optional firm license itself grants no producer authority.
Fee
Initial fee $100.
Licensed representative
Designate an actively licensed responsible producer with authority for the Life business; all activities requiring an individual license must be performed by licensed individuals.
Reciprocity
Confirm the active reciprocal resident firm license and consent to Wisconsin jurisdiction.
Renewal
Maintain all required individual/DRLP and reciprocal authority, submit through NIPR and pay the biennial renewal fee. Firm renewals are due February 15 in even-numbered years; individual intermediary renewals use the birth-month deadline.
Residency
Nonresident.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal — resident
No examination is required for this applicant pathway.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Entity
Provide the Uniform Application, entity/officer information and applicable Wisconsin business registration; the optional firm license itself grants no producer authority.
Fee
Initial fee $100.
Licensed representative
Designate an actively licensed responsible producer with authority for the Life business; all activities requiring an individual license must be performed by licensed individuals.
Renewal
Maintain all required individual/DRLP and reciprocal authority, submit through NIPR and pay the biennial renewal fee. Firm renewals are due February 15 in even-numbered years; individual intermediary renewals use the birth-month deadline.
Residency
Resident.

Official no-examination sources

Effective from 2026-09-22.

intermediary (producer) individual license

Individual intermediary license with Life authority covering insurance on human lives, including endowment benefits and annuities.

Licensing authority: Wisconsin Office of the Commissioner of Insurance · Application information

New application after disciplinary revocation — nonresident
No examination is required for this applicant pathway.
Application
NAIC Uniform Application for Individual Nonresident License, applicable fees and background documents; consent to Wisconsin jurisdiction.
Home license
Equivalent Life authority in good standing in the home or resident state; NIPR verification or satisfactory evidence of that license is required.
Residency
Nonresident applicant.
Revocation
Revocation under Wis. Stat. 628.10(2)(b) or (cr).
Waiting period
Wait the period specified in the revocation order, up to five years; if no period is specified, wait five years. Then satisfy the current requirements for a new license.

Official no-examination sources

Effective from 2026-09-22.

New application after disciplinary revocation — resident
Wisconsin Life: General and State
Application
Submit the NAIC Uniform Application through NIPR or an authorized business partner, pay $75 per line plus the $10 resident application fee, disclose relevant background matters and provide requested supporting documents. Allow 48–72 hours for scores to reach NIPR; requested application information is due within 90 days.
Education exemptions
Ins 26.04(2)(c), (d), and (g) exempt qualifying Wisconsin vocational insurance graduates, four-year business graduates with an insurance emphasis, and holders of CEBS, ChFC, CIC, CFP, CLU, FLMI, LUTCF or successor designations from prelicensing education, with the exemption request and supporting documentation; these exemptions do not waive the licensing examination.
Fingerprints
Provide the prescribed fingerprints and criminal-background check; fingerprint information is valid for 180 days.
Minimum age
At least 18; competence and trustworthiness are assessed under Ins 6.59(5).
Passing score window
Apply within 180 days of passing; otherwise retake the examination.
Prelicensing education
At least 20 hours of approved education completed within one year before testing; 8 hours cover Wisconsin law and ethics, and 12 hours cover the line. A course-completion certificate must be presented at testing. Asynchronous course completion includes the provider’s proctored final examination; this is a training condition, not the official licensing examination.
Revocation
Revocation under Wis. Stat. 628.10(2)(b) or (cr).
Waiting period
Wait the period specified in the revocation order, up to five years; if no period is specified, wait five years. Then satisfy the current requirements for a new license.
Restoration after identification related suspension
No examination is required for this applicant pathway.
Restoration
Provide the missing information within 60 days after the suspension takes effect; the statute directs reinstatement effective as of the date of suspension.
Suspension
Suspended or limited for missing SSN, FEIN or required statement under Wis. Stat. 628.10(2)(d).

Official no-examination sources

Effective from 2026-09-22.

Original resident licensure after prior resident licensure elsewhere
No examination is required for this applicant pathway.
Application
NAIC Uniform Application, fees and supporting documents; NIPR confirmation of prior home-state license or evidence from that state. Prelicensing education and examinations are exempt under Ins 26.04(2)(f).
Prior resident license
Held a resident insurance agent license for Life in another state within the previous 12 months.
Status change
Former nonresident Wisconsin authority ends upon issue of the resident license and may be retained for at most 60 days following a change to Wisconsin residency.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocal home state credentials
No examination is required for this applicant pathway.
Application
NAIC Uniform Application for Individual Nonresident License, applicable fees and background documents; consent to Wisconsin jurisdiction.
Home license
Equivalent Life authority in good standing in the home or resident state; NIPR verification or satisfactory evidence of that license is required.
Residency
Nonresident applicant.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within 12 months after expiration
No examination is required for this applicant pathway.
Application
NAIC Uniform Application for Individual Nonresident License, applicable fees and background documents; consent to Wisconsin jurisdiction.
Elapsed time
License expired less than 12 months.
Home license
Equivalent Life authority in good standing in the home or resident state; NIPR verification or satisfactory evidence of that license is required.
Reinstatement
Apply for the same line through NIPR and pay the $140 reinstatement fee; a paper application is required for tax or support revocations.
Residency
Nonresident applicant.

Official no-examination sources

Effective from 2026-09-22.

Nonresident new licensure after more than 12 months
No examination is required for this applicant pathway.
Application
Reapply for a new license through NIPR; pay $75 per line. For a tax or support revocation, use OCI’s reinstatement paper application and satisfy the underlying obligation.
Elapsed time
License expired more than 12 months.
Home license
Equivalent Life authority in good standing in the home or resident state; NIPR verification or satisfactory evidence of that license is required.
Residency
Nonresident applicant.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal — nonresident
No examination is required for this applicant pathway.
Continuing education
Resident major-line licensees must complete 24 credit hours, including at least 3 ethics hours, without carryover; nonresidents comply with applicable home-state reciprocity rules.
Renewal
Renew by the last day of the birth month every two years through NIPR or an authorized business partner; fee $70.
Residency
Nonresident.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal — resident
No examination is required for this applicant pathway.
Continuing education
Resident major-line licensees must complete 24 credit hours, including at least 3 ethics hours, without carryover; nonresidents comply with applicable home-state reciprocity rules.
Renewal
Renew by the last day of the birth month every two years through NIPR or an authorized business partner; fee $35.
Residency
Resident.

Official no-examination sources

Effective from 2026-09-22.

Enlargement of an existing resident intermediary license to include Life
Wisconsin Life: General and State
Application
Submit the NAIC Uniform Application through NIPR or an authorized business partner, pay $75 per line plus the $10 resident application fee, disclose relevant background matters and provide requested supporting documents. Allow 48–72 hours for scores to reach NIPR; requested application information is due within 90 days.
Education exemptions
Ins 26.04(2)(c), (d), and (g) exempt qualifying Wisconsin vocational insurance graduates, four-year business graduates with an insurance emphasis, and holders of CEBS, ChFC, CIC, CFP, CLU, FLMI, LUTCF or successor designations from prelicensing education, with the exemption request and supporting documentation; these exemptions do not waive the licensing examination.
Existing license
Already holds a Wisconsin intermediary license and seeks the Life line of authority.
Fingerprints
Provide the prescribed fingerprints and criminal-background check; fingerprint information is valid for 180 days.
Minimum age
At least 18; competence and trustworthiness are assessed under Ins 6.59(5).
Passing score window
Apply within 180 days of passing; otherwise retake the examination.
Prelicensing education
At least 20 hours of approved education completed within one year before testing; 8 hours cover Wisconsin law and ethics, and 12 hours cover the line. A course-completion certificate must be presented at testing. Asynchronous course completion includes the provider’s proctored final examination; this is a training condition, not the official licensing examination.
Resident initial licensure by examination
Wisconsin Life: General and State
Application
Submit the NAIC Uniform Application through NIPR or an authorized business partner, pay $75 per line plus the $10 resident application fee, disclose relevant background matters and provide requested supporting documents. Allow 48–72 hours for scores to reach NIPR; requested application information is due within 90 days.
Education exemptions
Ins 26.04(2)(c), (d), and (g) exempt qualifying Wisconsin vocational insurance graduates, four-year business graduates with an insurance emphasis, and holders of CEBS, ChFC, CIC, CFP, CLU, FLMI, LUTCF or successor designations from prelicensing education, with the exemption request and supporting documentation; these exemptions do not waive the licensing examination.
Fingerprints
Provide the prescribed fingerprints and criminal-background check; fingerprint information is valid for 180 days.
Minimum age
At least 18; competence and trustworthiness are assessed under Ins 6.59(5).
Passing score window
Apply within 180 days of passing; otherwise retake the examination.
Prelicensing education
At least 20 hours of approved education completed within one year before testing; 8 hours cover Wisconsin law and ethics, and 12 hours cover the line. A course-completion certificate must be presented at testing. Asynchronous course completion includes the provider’s proctored final examination; this is a training condition, not the official licensing examination.
Resident reinstatement within 12 months after termination
No examination is required for this applicant pathway.
Conditions
Meet all previous continuing-education requirements, apply for the same Life authority and pay $70; no new education or written examination under Ins 6.63(3).
Elapsed time
Within 12 months after termination for unpaid renewal fees or failure to complete continuing education.

Official no-examination sources

Effective from 2026-09-22.

Resident relicensing after more than 12 months
Wisconsin Life: General and State
Application
Submit the NAIC Uniform Application through NIPR or an authorized business partner, pay $75 per line plus the $10 resident application fee, disclose relevant background matters and provide requested supporting documents. Allow 48–72 hours for scores to reach NIPR; requested application information is due within 90 days.
Board bulletin wording
The March 15, 2026 PSI bulletin, page 21, says "Schedule and take the exam that covers state law," while OCI’s July 17, 2026 reinstatement page directs applicants to complete and pass the examination for the previously held line of authority. Ins 6.63(3) applies Ins 6.59; the current published examination choices identify Life Series 22-01.
Education exemptions
Ins 26.04(2)(c), (d), and (g) exempt qualifying Wisconsin vocational insurance graduates, four-year business graduates with an insurance emphasis, and holders of CEBS, ChFC, CIC, CFP, CLU, FLMI, LUTCF or successor designations from prelicensing education, with the exemption request and supporting documentation; these exemptions do not waive the licensing examination.
Elapsed time
More than 12 months after termination or specified statutory revocation.
Fingerprints
Provide the prescribed fingerprints and criminal-background check; fingerprint information is valid for 180 days.
Minimum age
At least 18; competence and trustworthiness are assessed under Ins 6.59(5).
Passing score window
Apply within 180 days of passing; otherwise retake the examination.
Prelicensing education
At least 20 hours of approved education completed within one year before testing; 8 hours cover Wisconsin law and ethics, and 12 hours cover the line. A course-completion certificate must be presented at testing. Asynchronous course completion includes the provider’s proctored final examination; this is a training condition, not the official licensing examination.
Revocation
For a statutory tax, support or unemployment-contribution revocation, satisfy the obligation that caused revocation and follow OCI paper-application instructions where required.
Reinstatement within 12 months after specified statutory revocations
No examination is required for this applicant pathway.
Elapsed time
Within 12 months after revocation.
Restoration
Satisfy the underlying obligation, complete a reinstatement application and pay twice the renewal fee; resident applicants must meet all previous continuing-education requirements. OCI requires a paper application for tax or support revocations.
Revocation
Revoked for unpaid required fees, support noncompliance or delinquent taxes/unemployment contributions under Wis. Stat. 628.10(2)(a), (am), or (cm).

Official no-examination sources

Effective from 2026-09-22.

Managing General Agent Firm

Firm license requiring a designated responsible licensed producer (DRLP) with active intermediary and MGA licenses in Wisconsin.

Licensing authority: Wisconsin Office of the Commissioner of Insurance · Application information

Initial issuance — nonresident
No examination is required for this applicant pathway.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Entity
Firm performs the managing-general-agent functions; submit application through NIPR.
Fee
Initial fee $100; renew February 15 in even-numbered years, $35 resident or $70 nonresident.
Licensed representative
DRLP holds active Wisconsin intermediary and MGA licenses.
Reciprocity
Confirm corresponding active home-state authority. For MGA authority unavailable as a separate home-state license, provide the resident DOI statement of authority and the evidence described in OCI’s Managing General Agent Exceptions; individual applicants also provide the agency-officer employee statement where applicable.
Residency
Nonresident.

Official no-examination sources

Effective from 2026-09-22.

Initial issuance — resident
No examination is required for this applicant pathway.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Entity
Firm performs the managing-general-agent functions; submit application through NIPR.
Fee
Initial fee $100; renew February 15 in even-numbered years, $35 resident or $70 nonresident.
Licensed representative
DRLP holds active Wisconsin intermediary and MGA licenses.
Residency
Resident.

Official no-examination sources

Effective from 2026-09-22.

New application after expiration
No examination is required for this applicant pathway.
Entity
Firm performs the managing-general-agent functions; submit application through NIPR.
Expired license
OCI states this license is not eligible for reinstatement. Reapply through NIPR and pay the initial licensing fee; meet current resident or nonresident requirements.
Fee
Initial fee $100; renew February 15 in even-numbered years, $35 resident or $70 nonresident.
Licensed representative
DRLP holds active Wisconsin intermediary and MGA licenses.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal — nonresident
No examination is required for this applicant pathway.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Entity
Firm performs the managing-general-agent functions; submit application through NIPR.
Fee
Initial fee $100; renew February 15 in even-numbered years, $35 resident or $70 nonresident, except that nonresident firms whose resident DOI confirms no MGA license is available but authority is given pay $100 for initial issuance and renewal under OCI’s Managing General Agent Exceptions.
Licensed representative
DRLP holds active Wisconsin intermediary and MGA licenses.
Reciprocity
Confirm corresponding active home-state authority. For MGA authority unavailable as a separate home-state license, provide the resident DOI statement of authority and the evidence described in OCI’s Managing General Agent Exceptions; individual applicants also provide the agency-officer employee statement where applicable.
Renewal
Maintain all required individual/DRLP and reciprocal authority, submit through NIPR and pay the biennial renewal fee. Firm renewals are due February 15 in even-numbered years; individual intermediary renewals use the birth-month deadline.
Residency
Nonresident.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal — resident
No examination is required for this applicant pathway.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Entity
Firm performs the managing-general-agent functions; submit application through NIPR.
Fee
Initial fee $100; renew February 15 in even-numbered years, $35 resident or $70 nonresident.
Licensed representative
DRLP holds active Wisconsin intermediary and MGA licenses.
Renewal
Maintain all required individual/DRLP and reciprocal authority, submit through NIPR and pay the biennial renewal fee. Firm renewals are due February 15 in even-numbered years; individual intermediary renewals use the birth-month deadline.
Residency
Resident.

Official no-examination sources

Effective from 2026-09-22.

Managing General Agent

Wisconsin individual managing general agent license requiring an active Wisconsin intermediary license.

Licensing authority: Wisconsin Office of the Commissioner of Insurance · Application information

Initial issuance — nonresident
No examination is required for this applicant pathway.
Active intermediary license
An active Wisconsin intermediary license for the business being conducted.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Fee
Initial fee $75; biennial renewal $35 resident or $70 nonresident.
Functions
Performs the managing-general-agent functions defined in Ins 42.01 and summarized on the Board page.
Reciprocity
Confirm corresponding active home-state authority. For MGA authority unavailable as a separate home-state license, provide the resident DOI statement of authority and the evidence described in OCI’s Managing General Agent Exceptions; individual applicants also provide the agency-officer employee statement where applicable.
Residency
Nonresident.

Official no-examination sources

Effective from 2026-09-22.

Initial issuance — resident
No examination is required for this applicant pathway.
Active intermediary license
An active Wisconsin intermediary license for the business being conducted.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Fee
Initial fee $75; biennial renewal $35 resident or $70 nonresident.
Functions
Performs the managing-general-agent functions defined in Ins 42.01 and summarized on the Board page.
Residency
Resident.

Official no-examination sources

Effective from 2026-09-22.

New application after expiration
No examination is required for this applicant pathway.
Active intermediary license
An active Wisconsin intermediary license for the business being conducted.
Expired license
OCI states this license is not eligible for reinstatement. Reapply through NIPR and pay the initial licensing fee; meet current resident or nonresident requirements.
Fee
Initial fee $75; biennial renewal $35 resident or $70 nonresident.
Functions
Performs the managing-general-agent functions defined in Ins 42.01 and summarized on the Board page.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal — nonresident
No examination is required for this applicant pathway.
Active intermediary license
An active Wisconsin intermediary license for the business being conducted.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Fee
Initial fee $75; biennial renewal $35 resident or $70 nonresident.
Functions
Performs the managing-general-agent functions defined in Ins 42.01 and summarized on the Board page.
Reciprocity
Confirm corresponding active home-state authority. For MGA authority unavailable as a separate home-state license, provide the resident DOI statement of authority and the evidence described in OCI’s Managing General Agent Exceptions; individual applicants also provide the agency-officer employee statement where applicable.
Renewal
Maintain all required individual/DRLP and reciprocal authority, submit through NIPR and pay the biennial renewal fee. Firm renewals are due February 15 in even-numbered years; individual intermediary renewals use the birth-month deadline.
Residency
Nonresident.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal — resident
No examination is required for this applicant pathway.
Active intermediary license
An active Wisconsin intermediary license for the business being conducted.
Application
Apply through NIPR; disclose background matters and provide required supporting documentation.
Fee
Initial fee $75; biennial renewal $35 resident or $70 nonresident.
Functions
Performs the managing-general-agent functions defined in Ins 42.01 and summarized on the Board page.
Renewal
Maintain all required individual/DRLP and reciprocal authority, submit through NIPR and pay the biennial renewal fee. Firm renewals are due February 15 in even-numbered years; individual intermediary renewals use the birth-month deadline.
Residency
Resident.

Official no-examination sources

Effective from 2026-09-22.

variable life and variable annuity

Variable life and variable annuity authority requires residents to hold an active life license and provide proof of FINRA registration for SIE and either Series 6 or Series 7; nonresidents must hold variable authority in their resident or designated home state.

Licensing authority: Wisconsin Office of the Commissioner of Insurance · Application information

Reapplication for variable authority after disciplinary revocation
No examination is required for this applicant pathway.
Active life authority
Resident applicants must hold an active Wisconsin Life license. Nonresident applicants must hold variable authority in their home or designated home state; a Wisconsin Life license is only needed to sell non-variable life or annuity products.
Application
Submit the NAIC Uniform Application, applicable fees and background documents; OCI states fingerprinting is not required for this line.
Securities registration
Residents provide their CRD number and evidence of FINRA registration for SIE and either Series 6 or Series 7, as stated by OCI. Ins 6.59(4)(an) expressly requires Series 6 or Series 7 registration. These securities-profession examinations are applicant conditions.
Waiting period
Complete the waiting period specified under Wis. Stat. 628.10(3), or five years if no period is specified, and satisfy the current application conditions.

Official no-examination sources

Effective from 2026-09-22.

Restoration of variable authority after identification related suspension
No examination is required for this applicant pathway.
Active life authority
Resident applicants must hold an active Wisconsin Life license. Nonresident applicants must hold variable authority in their home or designated home state; a Wisconsin Life license is only needed to sell non-variable life or annuity products.
Application
Submit the NAIC Uniform Application, applicable fees and background documents; OCI states fingerprinting is not required for this line.
Restoration
Provide the missing SSN, FEIN or required statement within 60 days under Wis. Stat. 628.10(2)(d).
Securities registration
Residents provide their CRD number and evidence of FINRA registration for SIE and either Series 6 or Series 7, as stated by OCI. Ins 6.59(4)(an) expressly requires Series 6 or Series 7 registration. These securities-profession examinations are applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Initial variable product authority — nonresident
No examination is required for this applicant pathway.
Active life authority
Resident applicants must hold an active Wisconsin Life license. Nonresident applicants must hold variable authority in their home or designated home state; a Wisconsin Life license is only needed to sell non-variable life or annuity products.
Application
Submit the NAIC Uniform Application, applicable fees and background documents; OCI states fingerprinting is not required for this line.
Residency
Nonresident.
Securities registration
Residents provide their CRD number and evidence of FINRA registration for SIE and either Series 6 or Series 7, as stated by OCI. Ins 6.59(4)(an) expressly requires Series 6 or Series 7 registration. These securities-profession examinations are applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Initial variable product authority — resident
No examination is required for this applicant pathway.
Active life authority
Resident applicants must hold an active Wisconsin Life license. Nonresident applicants must hold variable authority in their home or designated home state; a Wisconsin Life license is only needed to sell non-variable life or annuity products.
Application
Submit the NAIC Uniform Application, applicable fees and background documents; OCI states fingerprinting is not required for this line.
Residency
Resident.
Securities registration
Residents provide their CRD number and evidence of FINRA registration for SIE and either Series 6 or Series 7, as stated by OCI. Ins 6.59(4)(an) expressly requires Series 6 or Series 7 registration. These securities-profession examinations are applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Original resident variable product authority after prior resident licensure elsewhere
No examination is required for this applicant pathway.
Active life authority
Resident applicants must hold an active Wisconsin Life license. Nonresident applicants must hold variable authority in their home or designated home state; a Wisconsin Life license is only needed to sell non-variable life or annuity products.
Application
Submit the NAIC Uniform Application, applicable fees and background documents; OCI states fingerprinting is not required for this line.
Prior license
Held the corresponding resident authority in another state within the previous 12 months; provide verification and request the Ins 26.04(2)(f) exemption.
Securities registration
Residents provide their CRD number and evidence of FINRA registration for SIE and either Series 6 or Series 7, as stated by OCI. Ins 6.59(4)(an) expressly requires Series 6 or Series 7 registration. These securities-profession examinations are applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement of variable authority within 12 months
No examination is required for this applicant pathway.
Active life authority
Resident applicants must hold an active Wisconsin Life license. Nonresident applicants must hold variable authority in their home or designated home state; a Wisconsin Life license is only needed to sell non-variable life or annuity products.
Application
Submit the NAIC Uniform Application, applicable fees and background documents; OCI states fingerprinting is not required for this line.
Elapsed time
License expired less than 12 months.
Residency
Nonresident.
Restoration
Apply for the same line through NIPR and pay $140; provide active reciprocal home-state variable authority. Tax or support revocations require the paper application and satisfaction of the underlying obligation.
Securities registration
Residents provide their CRD number and evidence of FINRA registration for SIE and either Series 6 or Series 7, as stated by OCI. Ins 6.59(4)(an) expressly requires Series 6 or Series 7 registration. These securities-profession examinations are applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement of variable authority within 12 months
No examination is required for this applicant pathway.
Active life authority
Resident applicants must hold an active Wisconsin Life license. Nonresident applicants must hold variable authority in their home or designated home state; a Wisconsin Life license is only needed to sell non-variable life or annuity products.
Application
Submit the NAIC Uniform Application, applicable fees and background documents; OCI states fingerprinting is not required for this line.
Elapsed time
Within 12 months after termination for fees or continuing education, or a specified statutory revocation.
Residency
Resident.
Restoration
Meet prior continuing-education requirements where applicable; cure the obligation causing revocation, maintain securities registration and pay the applicable reinstatement fee. Use the paper application for tax or support revocations.
Securities registration
Residents provide their CRD number and evidence of FINRA registration for SIE and either Series 6 or Series 7, as stated by OCI. Ins 6.59(4)(an) expressly requires Series 6 or Series 7 registration. These securities-profession examinations are applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Reapplication after variable product authority expires more than 12 months — nonresident
No examination is required for this applicant pathway.
Active life authority
Resident applicants must hold an active Wisconsin Life license. Nonresident applicants must hold variable authority in their home or designated home state; a Wisconsin Life license is only needed to sell non-variable life or annuity products.
Application
Submit the NAIC Uniform Application, applicable fees and background documents; OCI states fingerprinting is not required for this line.
Elapsed time
More than 12 months after expiration; reapply for the previously held variable authority and satisfy its current application conditions. The licensing-examination exemption in Ins 6.59(2) remains applicable.
Residency
Nonresident.
Securities registration
Residents provide their CRD number and evidence of FINRA registration for SIE and either Series 6 or Series 7, as stated by OCI. Ins 6.59(4)(an) expressly requires Series 6 or Series 7 registration. These securities-profession examinations are applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Reapplication after variable product authority expires more than 12 months — resident
No examination is required for this applicant pathway.
Active life authority
Resident applicants must hold an active Wisconsin Life license. Nonresident applicants must hold variable authority in their home or designated home state; a Wisconsin Life license is only needed to sell non-variable life or annuity products.
Application
Submit the NAIC Uniform Application, applicable fees and background documents; OCI states fingerprinting is not required for this line.
Elapsed time
More than 12 months after expiration; reapply for the previously held variable authority and satisfy its current application conditions. The licensing-examination exemption in Ins 6.59(2) remains applicable.
Residency
Resident.
Securities registration
Residents provide their CRD number and evidence of FINRA registration for SIE and either Series 6 or Series 7, as stated by OCI. Ins 6.59(4)(an) expressly requires Series 6 or Series 7 registration. These securities-profession examinations are applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal of variable product authority — nonresident
No examination is required for this applicant pathway.
Active life authority
Resident applicants must hold an active Wisconsin Life license. Nonresident applicants must hold variable authority in their home or designated home state; a Wisconsin Life license is only needed to sell non-variable life or annuity products.
Application
Submit the NAIC Uniform Application, applicable fees and background documents; OCI states fingerprinting is not required for this line.
Renewal
Renew through NIPR by the biennial birth-month expiration and maintain the required underlying licenses and securities registration; resident fee $35, nonresident fee $70.
Residency
Nonresident.
Securities registration
Residents provide their CRD number and evidence of FINRA registration for SIE and either Series 6 or Series 7, as stated by OCI. Ins 6.59(4)(an) expressly requires Series 6 or Series 7 registration. These securities-profession examinations are applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal of variable product authority — resident
No examination is required for this applicant pathway.
Active life authority
Resident applicants must hold an active Wisconsin Life license. Nonresident applicants must hold variable authority in their home or designated home state; a Wisconsin Life license is only needed to sell non-variable life or annuity products.
Application
Submit the NAIC Uniform Application, applicable fees and background documents; OCI states fingerprinting is not required for this line.
Renewal
Renew through NIPR by the biennial birth-month expiration and maintain the required underlying licenses and securities registration; resident fee $35, nonresident fee $70.
Residency
Resident.
Securities registration
Residents provide their CRD number and evidence of FINRA registration for SIE and either Series 6 or Series 7, as stated by OCI. Ins 6.59(4)(an) expressly requires Series 6 or Series 7 registration. These securities-profession examinations are applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Wisconsin Life: General and State

Provider
PSI
Format
Closed-book computer examination
Exam questions
100 scored questions; the bulletin permits additional unscored experimental items
Time limit
2 hours
Passing score
70% correct
Exam fee
$75
Examination outline
  • 1.0 Insurance Regulation (35%)
    • 1.1 Licensing Purpose (ch. 628 ) Persons required to be licensed Ref: s. 618.41, ch. 628, s. 628.02(1), s. 628.02(3), s. 628.02(4), s. 628.02(4g), s. 628.02 (4m), s. 628.02 (4p), s. 628.02(5), s. 628.03, s. 628.04, s. 628.49, s. 632.69(1)(b) and (c), s. 632.69(2), s. Ins 6.58, s. Ins 42.01, s. Ins 42.03, s. Ins 47 License Requirements Ref: ch. 26, s. 628.03, s. 628.04, s. 628.04(2), s. 628.34, s. 628.51,632.69(1)(b) and (c), 632.69 (2), s. Ins 6.59, s. Ins 6.59(4)(a), s. Ins 6.59(4)(c) Record keeping, maintenance, and duration Renewal Continuing education requirements Reinstatement Assumed name Change of address or telephone number Reporting of actions Ref: s. 601.42, s. 628.04, s. 628.08, s. 628.09, s. 628.09(6), s. 628.11, s. Ins 6.57, s. Ins 6.61, s. Ins 6.63(3), s. Ins 28.04(1)(a), s. Ins 28.04(1)(f), s. Ins 28.04(2)(a), s. Ins 28.04(2)(b), s. Ins 28.06(6) Disciplinary actions License termination, suspension, or revocation Monetary forfeiture (fines) Ref: s. 601.31, s. 601.64, s. 628.10(1), s. 628.10(2), s. 628.10(3), s. 628.345(1)(b), s. 628.345(2), s. 628.345(3)(a), s. 628.345(3)(d), s. 628.345(3)(e), s. 628.345(3)(f), s. Ins 6.63
    • 1.2 State Regulation Commissioner's general duties and powers Duties Ref: s. 601.41, s. 601.42 Hearings Ref: ch. 227, s. 227.12, s. 601.41, s. 601.62, s. 601.64, s. 628.10, s. Ins 6.59 Penalties Ref: s. 601.64, s. 601.65 Wisconsin Insurance Security Fund Ref: ch. 227, s. 227.12, s. 601.41, s. 601.41(4), s. 601.42, s. 601.42(4), s. 601.62, s. 601.62(5), s. 601.64, s. 601.64(2), s. 601.64(3), s. 601.64(3)(d), s. 601.64(4), s. 601.65, s. 628.10, s. 628.10(2)(b), s. Ins 6.59, ch. 646 Company regulation Solvency Responsibilities of the insurer Rates Use of Policy forms Readability Producer appointments/terminations Unfair claims, methods, and practices Notice of right to file complaint Ref: s. 628.11, s. 628.40, s. 631.20, s. 631.20(3), s. 631.22, s. 631.28, s. Ins 6.07, s. Ins 6.11, s. Ins 6.11(3), s. Ins 6.55, s. Ins 6.55(4)(b), s. Ins 6.57, s. Ins 6.85 Producer regulation Fiduciary and trust account responsibilities Place of business/records maintenance Compensation of agents Ref: ch. 626 subch. IV Controlled business Ref: s. 628.51 Shared commissions Ref: s. 628.61 Proper exchange of business Ref: s. 628.32, s. 628.51, s. 628.61, s. Ins 6.66 Marketing practices Misrepresentation Ref: s. 628.34 (1) False advertising Ref: s. 628.34 (1) Rebating Ref: s. 628.34 (2) Unfair discrimination Ref: s. 628.34 (3) Boycott, coercion, or intimidation Ref: s. 628.34 (4) Illegal inducement Ref: ch. 20, s. 628.34, s. Ins 6.54, s. Ins 6.55, s. Ins 6.67, s. Ins 6.68 Examination of records Ref: s. 601.43, s. 601.43(1)(b), s. 601.43(1)(c), s. 601.43(2)(a), s. 601.45, s. 601.49, s. Ins 16.01, s. Ins 26.10, s. Ins 26.10(3), s. Ins 28.10, s. Ins 28.10(3) General statutes, rules, and regulations affecting insurance contracts Definitions Specific knowledge Misrepresentation/Warranties Ref: s. 628.34 Knowledge and acts of the agent Ref: s. 628.40 Certificates of Insurance Ref: s. 628.34, ch. 631, s. 631.08, s. 631.09, s. 631.11, s. 631.28, ch. 632 Regulation of specific clauses in insurance contracts Cancellation Ref: s. 631.36 Renewal/Nonrenewal Ref: s. 631.36 Notice of proof of loss Ref: s.631.81 Payment of claims Ref s. 628.46, s. 631.36, s. 631.43, s. 631.48, s. 631.81, s. 632.36(1 −2), s. Ins 6.11, s. Ins 6.77 Privacy of Consumer Information Ref: s. 610.70, s. Ins 25
    • 1.3 Federal Regulation Fair Credit Reporting Act (15 USC 1681–1681d) Fraud and false statements (18 USC 1033, 1034)
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to life insurance and annuities Policy provisions Required provisions Variable contract Contestability Assignment Designation of beneficiary Ref: s. 632.44, s. 632.45, s. 632.46, s. 632.46(3), s. 632.47, s. 632.48, s. 632.56, s. Ins 2.13(12m) Marketing methods and practices Policy replacement Disclosure Unfair practices Life insurance and annuities Proposal Policy summary Advertising Suitability of annuity sales to consumers Ref: s. 601.42, s. 628.34, s. 628.34(1) s. 628.34(9), s. 628.347(1)(e), s. 628.347(2)(a), s. 628.347(2)(b), s. 628.347(2)(dm), s. 628.347(3m), s. 628.347(4), s. 628.347(4m), s. 628.347(5), s. 628.347(7), s. 628.347(8), s. 631.95, s. 632.41 – s. 632.695, s. 632.69(1)(j), s. Ins 2.03, s. Ins 2.07, s. Ins 2.07(3)(i), s. Ins 2.07(4), s. Ins 2.07(5), s. Ins 2.07(6), s. Ins 2.07(7), s. Ins 2.09, s. Ins 2.09(6), s. Ins 2.13(12m), s. Ins 2.14, s. Ins 2.15, s. Ins 2.16, s. Ins 2.17, s. Ins 6.54, s. Ins 6.55, s. Ins 6.60(2), s. Ins 6.61, s. Ins 6.67, s. Ins 6.68, s. Ins 6.90, ch. 20 Life insurance illustration Ref: s. Ins 2.14, s. Ins 2.17 Interstate insurance product regulation compact Ref: s. 601.58
  • 2.0 General Insurance (10%)
    • 2.1 Concepts Risk management key terms Risk Exposure Hazard Peril Loss Methods of handling risk Avoidance Retention Sharing Reduction Transfer Elements of insurable risks Adverse selection Law of large numbers Reinsurance
    • 2.2 Insurers Types of insurers Stock companies Mutual companies Fraternal benefit societies Reciprocals Lloyd's associations Risk retention groups Private versus government insurers Admitted versus nonadmitted insurers Domestic, foreign and alien insurers Financial status (independent rating services) Marketing (distribution) systems
    • 2.3 Producers and general rules of the agency Insurer as principal Producer/insurer relationship Authority and powers of producer Express Implied Apparent The law of agency Responsibilities to the applicant/insured
    • 2.4 Contracts Elements of a legal contract Offer and acceptance Consideration Competent parties Legal purpose Distinct characteristics of an insurance contract Contract of adhesion Aleatory contract Personal contract Unilateral contract Conditional contract Legal interpretations affecting contracts Ambiguities in a contract of adhesion Reasonable expectations Indemnity Utmost good faith Representations/misrepresentations Warranties Concealment Fraud Waiver and estoppel
  • 3.0 Life Insurance Basics (10%)
    • 3.1 Insurable Interest
    • 3.2 Personal uses of life insurance Survivor protection Estate creation Cash accumulation Liquidity Estate conservation
    • 3.3 Life settlements (including stranger originated life insurance) Ref: s. 632.69
    • 3.4 Determining amount of personal life insurance Human life value approach Needs approach Types of information gathered Determining lump-sum needs Planning for income needs
    • 3.5 Business uses of life insurance Buy-sell funding Key person Executive bonuses Deferred compensation funding Split dollar plans Change of insured provision
    • 3.6 Classes of life insurance policies Group versus individual Ordinary versus industrial (home service) Permanent versus term Participating versus nonparticipating Ref: s. 632.62(1), 632.62(2), 632.62(4) Fixed versus variable life insurance and annuities including regulation of variable products
    • 3.7 Premiums Factors in premium determination Mortality Interest Expense Premium concepts Net single premium Gross annual premium Premium payment mode
    • 3.8 Licensee responsibilities Solicitation and sales presentations Advertising Wisconsin Insurance Security Fund Illustrations Policy summary Buyer's guide Need for variable license to recommend termination Suitability Life insurance policy cost comparison methods Replacement Use and disclosure of insurance information Field underwriting Notice of information practices Application procedures Warranties and Representatons Policy Delivery Policy review Effective date of coverage Premium collection Statement of good health
    • 3.9 Individual underwriting by the insurer Information sources and regulation Application Licensee report Attending physician statement Investigative consumer (inspection) report Medical Information Bureau (MIB) Medical examinations and lab tests (including HIV consent) Ref: s. 631.90, s. Ins 3.53 Selection criteria and unfair discrimination Classification of risks Preferred Standard Substandard Declined
  • 4.0 Life Insurance Policies (12%)
    • 4.1 Term life insurance Level term Annual renewable term Level premium term Decreasing term Increasing term
    • 4.2 Whole life insurance Continuous premium (straight life) Limited payment Single premium
    • 4.3 Flexible premium policies Adjustable life Universal life
    • 4.4 Specialized policies Joint life (first-to-die) Juvenile life
    • 4.5 Group life insurance Characteristics of group plans Types of plan sponsors Group underwriting requirements Conversion to individual policy
  • 5.0 Life Insurance Policy Provisions, Options and Riders (14%)
    • 5.1 Standard provisions Ownership Assignment Entire contract Modifications Right to examine (free look) Payment of premiums Grace period Reinstatement Incontestability Misstatement of age and gender Policy Exclusions Suicide exclusion Medical examination; autopsy Prohibited provisions including backdating
    • 5.2 Beneficiaries Designation options Individuals Classes Estates Minors Trusts Primary Contingent Beneficiary-Related Clauses Revocation at Divorce 30-3-5 Succession Revocable versus irrevocable Common disaster clause Spendthrift clause
    • 5.3 Settlement options Cash payment Interest only Fixed-period installments Fixed-amount installments Life income Single life Joint and survivor
    • 5.4 Nonforfeiture options Cash surrender value Extended term Reduced paid-up insurance
    • 5.5 Policy loan and withdrawal options Cash loans Automatic premium loans Withdrawals or partial surrenders
    • 5.6 Dividend options Cash payment Reduction of premium payments Accumulation at interest One-year term option Paid-up additions
    • 5.7 Disability riders Waiver of premium Waiver of cost of insurance Disability income benefit Payor benefit life/disability (juvenile insurance)
    • 5.8 Accelerated (living) benefit provision/rider Qualifying events Disclosure Effect of benefit payment Long-Term Care Rider
    • 5.9 Riders covering additional insureds Spouse/other-insured term rider Children's term rider Family term rider
    • 5.10 Riders affecting the death benefit amount Accidental death Guaranteed insurability Cost of living Return of premium
  • 6.0 Annuities (10%)
    • 6.1 Annuity principles and concepts Accumulation period versus annuity period Owner, annuitant and beneficiary Insurance aspects of annuities
    • 6.2 Immediate versus deferred annuities Single premium immediate annuities (SPIAs) Deferred annuities Premium payment options Nonforfeiture Surrender charges Death benefits
    • 6.3 Annuity (benefit) payment options Ref: s.632.435(1)(a) Life contingency options Pure life versus life with guaranteed minimum Single life versus multiple life Annuities certain (types)
    • 6.4 Annuity products Fixed annuities General account assets Interest rate guarantees (minimum versus current) Level benefit payment amount Indexed annuities Market value adjusted annuities Guaranteed living benefit riders Variable annuities
    • 6.5 Uses of annuities Lump-sum settlements Qualified retirement plans including group versus individual annuities Personal uses Individual retirement annuities (IRAs) Tax-deferred growth Retirement income Education funds Long-Term Care Rider
  • 7.0 Federal Tax Considerations for Life Insurance and Annuities (5%)
    • 7.1 Taxation of personal life insurance Amounts available to policyowner Cash value increases Premiums Dividends Policy loans Surrenders Amounts received by beneficiary General rule and exceptions Settlement options Values included in insured's estate
    • 7.2 Modified endowment contracts (MECs) Modified endowment versus life insurance Seven-pay test Distributions
    • 7.3 Taxation of non-qualified annuities Individually-owned Accumulation phase (tax issues related to withdrawals) Annuity phase and the exclusion ratio Distributions at death Values included in the annuitant's estate Amounts received by beneficiary Corporate-owned
    • 7.6 Section 1035 exchanges
    • 7.4 Taxation of individual retirement accounts (IRAs) Traditional IRAs Contributions and deductible amounts Premature distributions (including taxation issues) Roth IRAs Contributions and limits Distributions
    • 7.5 Rollovers and transfers (IRAs and qualified plans)
  • 8.0 Qualified Plans (4%)
    • 8.1 General requirements
    • 8.2 Federal tax considerations Tax advantages for employers and employees Taxation of distributions (age-related)
    • 8.3 Plan types, characteristics and purchasers Simplified employee pensions (SEPs) Self-employed plans (HR 10 or Keogh plans) Profit-sharing and 401(k) plans SIMPLE plans 403(b) tax-sheltered annuities (TSAs)
Examination sources