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Wyoming Personal Lines 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.

Business Entity Insurance Producer — Personal Lines

Firm producer licence covering personal lines; the designated responsible licensed producer holds a separate individual licence.

Licensing authority: Wyoming Department of Insurance · Application information

Nonresident business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit the uniform business-entity application and applicable licensing fees.
Drlp
Designate a producer licensed in Wyoming responsible for legal compliance; the Department allows no more than five DRLPs and does not require the DRLP to hold the same lines as the firm.
Home Licence
Hold an active resident producer licence in good standing for similar lines of authority in the home state.
Individual Licences
A person transacting business under the agency name or receiving commissions through the agency and the agency itself must both be licensed.
Reciprocity
The home state awards nonresident producer licences to Wyoming residents on the same basis.
Registration
Check whether business registration with the Wyoming Secretary of State is required.
Residency
Nonresident firm.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reapplication after the reinstatement period
No examination is required for this applicant pathway.
Application
Submit the uniform business-entity application and applicable licensing fees.
Drlp
Designate a producer licensed in Wyoming responsible for legal compliance; the Department allows no more than five DRLPs and does not require the DRLP to hold the same lines as the firm.
Home Licence
Hold an active resident producer licence in good standing for similar lines of authority in the home state.
Individual Licences
A person transacting business under the agency name or receiving commissions through the agency and the agency itself must both be licensed.
Lapse
After one calendar year, apply for the firm licence as a first-time applicant.
Reciprocity
The home state awards nonresident producer licences to Wyoming residents on the same basis.
Registration
Check whether business registration with the Wyoming Secretary of State is required.
Residency
Nonresident firm.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reinstatement within twelve months
No examination is required for this applicant pathway.
Drlp
Notify the Department Licensing Section of the current DRLP before reinstatement; DRLP associations are inactivated when the firm licence expires.
Fees
Pay the renewal fee plus an equal late fee.
Lapse
Reinstate within one calendar year of expiration.
Residency
Nonresident firm.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity biennial renewal
No examination is required for this applicant pathway.
Drlp
Ensure the DRLP holds an active Wyoming licence, or designate an actively licensed replacement; address changes are not accepted on the renewal application.
Renewal
Renew every two years by the last day of the original issuance month, pay the fee and maintain compliance.
Residency
Nonresident firm.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit the uniform business-entity application and applicable licensing fees.
Drlp
Designate a producer licensed in Wyoming responsible for legal compliance; the Department allows no more than five DRLPs and does not require the DRLP to hold the same lines as the firm.
Individual Licences
A person transacting business under the agency name or receiving commissions through the agency and the agency itself must both be licensed.
Location
Maintain a physical Wyoming primary agency location accessible to the public, with normal business hours, transaction records and at least one full-time licensed staff member; a virtual office or registered-agent office is unacceptable.
Registration
Check whether business registration with the Wyoming Secretary of State is required.
Residency
Resident firm.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity reapplication after the reinstatement period
No examination is required for this applicant pathway.
Application
Submit the uniform business-entity application and applicable licensing fees.
Drlp
Designate a producer licensed in Wyoming responsible for legal compliance; the Department allows no more than five DRLPs and does not require the DRLP to hold the same lines as the firm.
Individual Licences
A person transacting business under the agency name or receiving commissions through the agency and the agency itself must both be licensed.
Lapse
After one calendar year, apply for the firm licence as a first-time applicant.
Location
Maintain a physical Wyoming primary agency location accessible to the public, with normal business hours, transaction records and at least one full-time licensed staff member; a virtual office or registered-agent office is unacceptable.
Registration
Check whether business registration with the Wyoming Secretary of State is required.
Residency
Resident firm.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity reinstatement within twelve months
No examination is required for this applicant pathway.
Drlp
Notify the Department Licensing Section of the current DRLP before reinstatement; DRLP associations are inactivated when the firm licence expires.
Fees
Pay the renewal fee plus an equal late fee.
Lapse
Reinstate within one calendar year of expiration.
Residency
Resident firm.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity biennial renewal
No examination is required for this applicant pathway.
Drlp
Ensure the DRLP holds an active Wyoming licence, or designate an actively licensed replacement; address changes are not accepted on the renewal application.
Renewal
Renew every two years by the last day of the original issuance month, pay the fee and maintain compliance.
Residency
Resident firm.

Official no-examination sources

Effective from 2026-09-22.

insurance producer license

Individual producer authority for property and casualty insurance sold to individuals and families for primarily noncommercial purposes.

Licensing authority: Wyoming Department of Insurance · Application information

Nonresident reapplication after the reinstatement period
No examination is required for this applicant pathway.
Application
Submit the home-state application or a completed uniform application and pay Wyoming nonresident fees.
Fingerprints
The Department states there is no fingerprinting requirement for nonresidents.
Home Licence
Hold an active resident producer licence in good standing for similar lines of authority in the home state.
Lapse
More than one calendar year has passed since expiration; reapply as a first-time nonresident applicant.
Reciprocity
The home state awards nonresident producer licences to Wyoming residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or a completed uniform application and pay Wyoming nonresident fees.
Fingerprints
The Department states there is no fingerprinting requirement for nonresidents.
Home Licence
Hold an active resident producer licence in good standing for similar lines of authority in the home state.
Reciprocity
The home state awards nonresident producer licences to Wyoming residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within twelve months
No examination is required for this applicant pathway.
Continuing Education
All applicable continuing-education requirements must be met before reinstatement.
Fees
Pay the continuation fee plus a penalty equal to that fee.
Home Licence
Hold an active resident producer licence in good standing for similar lines of authority in the home state.
Lapse
Apply within twelve months of the continuation-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Home Licence
Hold an active resident producer licence in good standing for similar lines of authority in the home state.
Renewal
Pay continuation fees and keep the home-state licence in good standing; the Department permits payment 90 days before renewal.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
Personal Lines Producer
Age
At least 18 years of age.
Application
Submit the uniform producer application with true, correct and complete statements.
Character
Must not have committed a ground for denial under W.S. 26-9-211; disclose criminal and administrative history as the Department requests.
Fees
Pay the applicable licensing and criminal-history background-check fees.
Fingerprints
Provide fingerprints and permission for the criminal-history record check; Department instructions require fingerprints from first-time resident applicants.
Residency
Applicant is a Wyoming resident.
Score Age
The candidate handbook requires passage within the preceding twelve months; the application process must be completed within one year of passage.
Resident licensure based on previous same line licensure
No examination is required for this applicant pathway.
Age
At least 18 years of age.
Application
Submit the uniform producer application with true, correct and complete statements.
Character
Must not have committed a ground for denial under W.S. 26-9-211; disclose criminal and administrative history as the Department requests.
Fees
Pay the applicable licensing and criminal-history background-check fees.
Fingerprints
Provide fingerprints and permission for the criminal-history record check; Department instructions require fingerprints from first-time resident applicants.
Prior Licence
W.S. 26-9-209(a) exempts a person previously licensed for the same lines who remains licensed there or applies within 90 days of cancellation, with prior-state good-standing certification or NAIC database evidence.
Residency
Applicant is a Wyoming resident.
Score Age
The statutory examination exemption applies; the Department general resident instructions nevertheless say: Wyoming residents must pass an exam prior to applying for a license. If you applying for the variable life & variable annuity line of authority you must pass your exam AND be registered with FINRA prior to applying.

Official no-examination sources

Effective from 2026-09-22.

Resident reactivation after voluntary surrender
Personal Lines Producer
Age
At least 18 years of age.
Application
Submit the uniform producer application with true, correct and complete statements.
Character
Must not have committed a ground for denial under W.S. 26-9-211; disclose criminal and administrative history as the Department requests.
Fees
Pay the applicable licensing and criminal-history background-check fees.
Fingerprints
Provide fingerprints and permission for the criminal-history record check; Department instructions require fingerprints from first-time resident applicants.
Residency
Applicant is a Wyoming resident.
Score Age
The candidate handbook requires passage within the preceding twelve months; the application process must be completed within one year of passage.
Surrender
Applicant voluntarily surrendered the resident licence and wishes to reactivate it.
Resident reapplication after the reinstatement period
Personal Lines Producer
Age
At least 18 years of age.
Application
Submit the uniform producer application with true, correct and complete statements.
Character
Must not have committed a ground for denial under W.S. 26-9-211; disclose criminal and administrative history as the Department requests.
Fees
Pay the applicable licensing and criminal-history background-check fees.
Fingerprints
Provide fingerprints and permission for the criminal-history record check; Department instructions require fingerprints from first-time resident applicants.
Lapse
More than one calendar year has passed since expiration.
Renewal Relief
Under W.S. 26-9-207(d), military service or other extenuating circumstances such as long-term disability may support a waiver of renewal procedures, any examination requirement or sanctions.
Residency
Applicant is a Wyoming resident.
Score Age
The candidate handbook requires passage within the preceding twelve months; the application process must be completed within one year of passage.
Resident reinstatement within twelve months
No examination is required for this applicant pathway.
Continuing Education
All applicable continuing-education requirements must be met before reinstatement.
Course Assessment
Chapter 20 Section 2(j) requires self-study programs to include an examination monitored by a disinterested third party; no particular currently offered licensing examination is identified.
Education
Complete 24 hours of continuing education each two-year cycle, including at least 3 ethics hours, subject to applicable extensions.
Fees
Pay the continuation fee plus a penalty equal to that fee.
Lapse
Apply within twelve months of the continuation-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure on relocation to Wyoming
No examination is required for this applicant pathway.
Age
At least 18 years of age.
Application
Submit the uniform producer application with true, correct and complete statements.
Character
Must not have committed a ground for denial under W.S. 26-9-211; disclose criminal and administrative history as the Department requests.
Clearance
The Department instructs incoming residents to submit a letter of clearance, paper uniform application and the applicable fees.
Fees
Pay the applicable licensing and criminal-history background-check fees.
Fingerprints
Provide fingerprints and permission for the criminal-history record check; Department instructions require fingerprints from first-time resident applicants.
Relocation
Apply within 90 days of establishing Wyoming residence for authority previously held; W.S. 26-9-209(b) provides no examination unless the Commissioner determines otherwise by regulation.
Residency
Applicant is a Wyoming resident.
Score Age
The statutory relocation exemption applies; the Department general resident instructions nevertheless say: Wyoming residents must pass an exam prior to applying for a license. If you applying for the variable life & variable annuity line of authority you must pass your exam AND be registered with FINRA prior to applying.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial renewal
No examination is required for this applicant pathway.
Course Assessment
Chapter 20 Section 2(j) requires self-study programs to include an examination monitored by a disinterested third party; no particular currently offered licensing examination is identified.
Education
Complete 24 hours of continuing education each two-year cycle, including at least 3 ethics hours, subject to applicable extensions.
Relief
Military service or long-term medical disability may support a waiver of renewal procedures under W.S. 26-9-207(d).
Renewal
Submit the renewal request, pay continuation fees by the last day of the birth month every two years and remain compliant.

Official no-examination sources

Effective from 2026-09-22.

temporary insurance producer license

Temporary authority to service a personal-lines insurance business for up to 180 days when the Commissioner authorizes it.

Licensing authority: Wyoming Department of Insurance · Application information

Temporary licensure: business successor
No examination is required for this applicant pathway.
Discretion
The Commissioner must deem the temporary licence necessary to service the insurance business.
Duration
Not more than 180 days.
Eligibility
Member or employee of a licensed business entity upon death or disability of its designated individual producer.
Limitations
The Commissioner may limit authority, require a suitable licensed producer or insurer sponsor, impose protective conditions and revoke the licence if the public is endangered; it cannot continue after the business is disposed of.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: military designee
No examination is required for this applicant pathway.
Discretion
The Commissioner must deem the temporary licence necessary to service the insurance business.
Duration
Not more than 180 days.
Eligibility
Designee of a licensed producer entering active United States armed-forces service.
Limitations
The Commissioner may limit authority, require a suitable licensed producer or insurer sponsor, impose protective conditions and revoke the licence if the public is endangered; it cannot continue after the business is disposed of.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: public interest
No examination is required for this applicant pathway.
Discretion
The Commissioner must deem the temporary licence necessary to service the insurance business.
Duration
Not more than 180 days.
Eligibility
Other circumstance in which the Commissioner determines that issuing the temporary licence best serves the public interest.
Limitations
The Commissioner may limit authority, require a suitable licensed producer or insurer sponsor, impose protective conditions and revoke the licence if the public is endangered; it cannot continue after the business is disposed of.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: surviving representative
No examination is required for this applicant pathway.
Discretion
The Commissioner must deem the temporary licence necessary to service the insurance business.
Duration
Not more than 180 days.
Eligibility
Surviving spouse or court-appointed personal representative of a producer who dies or becomes mentally or physically disabled, to service the business pending sale, recovery, return, or training and licensing replacement personnel.
Limitations
The Commissioner may limit authority, require a suitable licensed producer or insurer sponsor, impose protective conditions and revoke the licence if the public is endangered; it cannot continue after the business is disposed of.

Official no-examination sources

Effective from 2026-09-22.

Personal Lines Producer

Provider
Pearson VUE
Format
Multiple-choice examination, general and Wyoming-specific sections; test center or OnVUE online delivery
Exam questions
100 scored questions: 75 general and 25 state; 5 additional general pretest questions
Time limit
2 hours
Passing score
70% of questions answered correctly
Exam fee
$96
Examination outline
  • I. TYPES OF PROPERTY POLICIES (10)
    • A. Homeowners
    • A.1. HO-2
    • A.2. HO-3
    • A.3. HO-4
    • A.4. HO-5
    • A.5. HO-6
    • A.6. HO-8
    • B. Dwelling policies
    • B.1. DP-1
    • B.2. DP-2
    • B.3. DP-3
    • C. Inland marine
    • C.1. Personal Articles floaters
    • D. National Flood Insurance Program
    • E. Others
    • E.1. Earthquake
    • E.2. Mobile Homes
    • E.3. Watercraft
    • E.4. Windstorm
  • II. TYPES OF CASUALTY POLICIES (13)
    • A. Automobile: personal auto
    • A.1. Liability
    • A.1.a. Bodily Injury
    • A.1.b. Property Damage
    • A.1.c. Split Limits
    • A.1.d. Combined Single Limit
    • A.2. Medical Payments
    • A.3. Physical Damage (collision; other than collision; specified perils)
    • A.4. Uninsured motorists
    • A.5. Underinsured motorists
    • A.6. Who is an insured
    • A.7. Types of Auto
    • A.7.a. Owned
    • A.7.b. Non-owned
    • A.7.c. Hired
    • A.7.d. Temporary Substitute
    • A.7.e. Newly Acquired Autos
    • A.7.f. Transportation Expense and Rental Reimbursement Expense
    • A.8. Exclusions
    • B. Umbrella/Excess liability
  • III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS (28)
    • A. Insurance
    • A.1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C.1. Pure vs. Speculative Risk
    • D. Hazard
    • D.1. Moral
    • D.2. Morale
    • D.3. Physical
    • E. Peril
    • F. Loss
    • F.1. Direct
    • F.2. Indirect
    • G. Loss Valuation
    • G.1. Actual cash value
    • G.2. Replacement cost
    • G.3. Market value
    • G.4. Stated value
    • G.5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q.1. Absolute
    • Q.2. Strict
    • Q.3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
    • V. Burglary, Robbery, Theft, and Mysterious Disappearance
    • W. Warranties
    • X. Representations
    • Y. Concealment
    • Z. Deposit Premium/Audit
    • AA. Certificate of Insurance
    • BB. Damages
    • BB.1. Compensatory
    • BB.1.a. General
    • BB.1.b. Special
    • BB.2. Punitive
    • CC. Compliance with Provisions of Fair Credit Reporting Act
  • IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW (24)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Sources of underwriting information
    • P. Fair Credit Reporting Act
    • Q. Privacy Protection (Gramm Leach Bliley)
    • R. Policy Application
    • S. Terrorism Risk Insurance Act (TRIA)
    • T. Cancellation and nonrenewal provisions
    • U. Supplementary payments
    • V. Loss settlement provisions including consent to settle a loss
    • W. Territory
  • I. WYOMING STATUTES AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE (15)
    • A. Insurance Commissioner
    • A.1. Appointment
    • A.2. General powers and duties
    • A.3. Examinations
    • A.4. Orders and hearings
    • A.5. Penalties
    • B. Definitions
    • B.1. Domestic company
    • B.2. Foreign company
    • B.3. Alien company
    • B.4. Stock and mutual companies and reciprocals
    • B.5. Reciprocal
    • B.6. Certificate of authority
    • C. Licensing
    • C.1. Persons required to be licensed
    • C.1.a. Producer/business entity
    • C.1.b. Producer acting as broker
    • C.1.c. Consultant
    • C.1.d. Limited lines
    • C.1.e. Surplus lines broker
    • C.1.f. Nonresident
    • C.1.g. Temporary license
    • C.2. Agent appointment/termination of contract
    • C.3. Obtaining a license
    • C.3.a. Qualifications
    • C.3.b. Exemptions/exceptions
    • C.3.c. License denial
    • C.4. Maintaining a license
    • C.4.a. Continuing education
    • C.4.b. Change of address
    • C.4.c. Fees/renewal/reinstatement
    • C.4.d. License expiration/termination
    • C.4.e. Suspension or revocation of licenses
    • C.4.f. Reporting of actions
    • C.4.g. Penalties
    • D. Producer responsibilities
    • D.1. Financial responsibility
    • D.1.a. Proof of financial responsibility defined
    • D.1.b. Persons required to show proof
    • D.1.c. Penalty for noncompliance
    • D.1.d. Methods of satisfying financial responsibility
    • D.2. Fiduciary capacity
    • D.2.a. Premium accountability
    • D.2.b. Separate account requirements
    • D.3. Commissions and compensation
    • D.4. Place of business of licensees/display of licenses/records
    • D.5. Agency vs. individual licensee
    • E. Unfair trade practices
    • E.1. Boycott, coercion, intimidation
    • E.2. Controlled business
    • E.3. Defamation
    • E.4. False advertising
    • E.5. False financial statements
    • E.6. Fraud
    • E.7. Misrepresentation
    • E.8. Rebates/illegal inducements
    • E.9. Unfair discrimination
    • E.10. Unfair claims settlement practices
    • F. Wyoming Insurance Guaranty Association
    • G. Consumer privacy regulation
  • II. WYOMING STATUTES, RULES AND REGULATIONS PERTINENT TO PROPERTY AND CASUALTY INSURANCE ONLY (4)
    • A. Renewal, Nonrenewal, Cancellation
    • B. Binders
    • C. Payment of claims
    • D. Terrorism Risk Insurance Act of 2002 and Extension Act of 2005
  • III. WYOMING STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY (6)
    • A. Automobile Insurance
    • A.1. Uninsured/underinsured motorists coverage
    • A.1.a. Required coverages
    • A.1.a.(1). Bodily injury
    • A.1.b. Option for additional coverage
    • A.2. Cancellation/nonrenewal
    • A.3. Wyoming Automobile Insurance (Assigned Risk) Plan
Examination sources