What This License Is
A West Virginia Accident & Health license lets you sell health, accident, disability, and related products to people and businesses in West Virginia. It is issued by the West Virginia Offices of the Insurance Commissioner.
Licensing runs through the same process as every West Virginia producer line — the difference is the focused Accident & Health exam. Note that West Virginia requires 20 hours of pre-licensing education for this line before you can sit for the exam.
Exam Options & Format
The Accident & Health exam is Accident & Health or Sickness Producer (InsWV-AcSi02): 90 total (incl. unscored pretest) questions, 2 hr, $84 per attempt. Passing standard: 70%.
West Virginia does not offer a combined exam for these lines — each line of authority is its own exam, so producers who want both simply take both exams.
Pre-Licensing Education: 20 Hours Per Line
West Virginia requires 20 hours of approved pre-licensing education per line of authority - so 40 hours total if you're pursuing both Life and Accident & Health.
You complete the course through a state-approved provider, pass a proctored certification exam at 70% or better, and receive a Certificate of Course Completion. That certificate is valid for six months, and you must take your state exam within that window.
Bring a paper copy of the certificate (or the PL 789E) to the test center. Electronic versions are not accepted, and showing up without the paper copy means being turned away and forfeiting your exam fee.
TESTivity recommends [Achievable](https://app.achievable.me/study/insurance-health/purchase#a_aid=getthelicense) to satisfy your West Virginia pre-licensing requirement. Achievable is an approved provider, its insurance courses were built by the same subject-matter expert behind TESTivity, and completing the Achievable course earns you the certificate of completion West Virginia requires.
One important distinction: TESTivity is not an approved pre-licensing provider in West Virginia and does not issue certificates of completion. The TESTivity learning tools and study packages will absolutely help you pass the exam — but treat them as a supplement to your Achievable course, not a substitute for it.
Disclosure: TESTivity has a partnership with Achievable and may earn a commission if you enroll through links on this page.
Life and Health Exam Content
On the Life exam, expect heavy coverage of policy types (whole life, universal, variable, term, annuities), riders and provisions (waiver of premium, beneficiary designations, nonforfeiture, settlement options), and underwriting concepts like insurable interest and risk classification.
On the Accident & Health exam, expect disability income, medical expense plans (HMO, PPO, POS, HDHP/HSA), Medicare and Medicaid, long-term care, and field underwriting procedures including HIPAA privacy and the Fair Credit Reporting Act.
Both exams reward applying concepts to scenarios rather than memorizing definitions. The state's own handbook warns that candidates who only memorize catch phrases struggle - so practice with situational questions.
West Virginia Life & Health Law You Must Know
Shared block (both exams): the Insurance Commissioner's broad powers and penalties, licensing and appointment rules, definitions (domestic/foreign/alien insurers, stock vs. mutual), unfair trade practices (rebating, coercion, misrepresentation, defamation, advertising), the Mass Marketed Life and Sickness rules, and the WV Life and Health Guaranty Association.
Life-specific: replacement rules and the duties of producers and companies (Rule 114-8), policy clause protections for beneficiaries and creditors, group life conversion on termination, suitability in annuity transactions (Rule 114-11B), and insurable interest.
Health-specific: required disclosure and replacement standards for individual A&S minimum standards, Medicare Supplement rules, the Health Maintenance Organization Act, coverage for newborn children (WV Code 33-6-32), long-term care, and small employer group rules.
Fingerprinting, Background Check, and Applying
After you pass, schedule fingerprinting with IdentoGo (online at identogo.com or by phone). Report West Virginia OIC service code 228NS5 so your results route correctly. The fee is $45.75 ($12.50 fingerprint + $20.00 WVSP + $13.25 FBI).
Fingerprints are valid for 60 days - if you don't complete the process in time they expire and you pay again. You'll get a receipt with a 12-digit TCN number that goes on your license application.
Apply online at NIPR (www.nipr.com). Submit your passing score report, your pre-licensing certificate, the TCN, and the $50 license fee per line. Remember: you must be licensed within one year of passing or you start over.
Renewal and Continuing Education
West Virginia resident producers renew every two years, due the last day of your birth month. You need 24 hours of approved CE per renewal period, including 3 hours of ethics.
Product-specific training stacks on top of the 24 hours: an 8-hour initial long-term care course plus a 4-hour LTC refresher each period if you sell LTC, and approved annuity training if you sell annuities.
West Virginia has no grace period for late renewal, and CE can take up to 30 days to post after course completion - so finish your hours well ahead of your birth-month deadline.
Quick Reference
Official Links
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