What This License Is
The Wisconsin accident and health or sickness line of authority covers medical, disability income, dental, vision, Medicare supplement, long-term care and the rest of the health family. It is issued by the Office of the Commissioner of Insurance.
Use the full name. OCI and PSI both write it out as "Accident and Health or Sickness" — not "health," not "accident and health." Wisconsin's statutes go further and mostly call the whole category "disability insurance", which is the term you will meet in chapter 632, subchapter VI. A candidate who reads "disability insurance" in a Wisconsin statute and thinks disability income will misread half the subchapter: in Wisconsin's code that phrase covers accident and health coverage broadly.
That vocabulary point has a sharp edge in the guaranty chapter, where §646.31(4)(ag) defines "disability insurance" narrowly — comprehensive and major medical only — for the purpose of one particular coverage cap. Same two words, deliberately different scope, two chapters apart. The Life & Health guide covers that cap.
Exam Options & Format
The exam is PSI Series 22-03, "Wisconsin Accident and Health or Sickness: General and State" — 100 scored questions plus 5 to 10 unscored pretest items, 2 hours, $75. Wisconsin law is embedded in those same 100 questions; there is no separate state-law paper for a first-time applicant.
There is no combined Life and Health exam in Wisconsin. If you want both lines, you sit Series 22-01 and Series 22-03 separately and pay $75 each. Most states sell those two lines in one 150-question sitting; budgeting for that here leaves you short by an exam fee, a license fee and a couple of hours of seat time.
Series 22-04 is the 35-question, 1-hour state-specific variant, and it is only for an applicant who previously held the Wisconsin accident and health license. It costs the same $75.
Attempts are unlimited and there is no waiting period, but you cannot rebook the same day you tested. PSI's example in the bulletin: fail on a Wednesday, call Thursday, retest as soon as Friday if a seat is open.
Most Tested Topics on the Wisconsin Accident and Health Exam
Wisconsin's accident-and-health provisions sit in chapter 632, subchapter VI, with the claims machinery over in chapter 628. Several of these are structurally different from the national template rather than merely differently numbered. From the TESTivity Wisconsin regulations curriculum, statute-verified:
| Wisconsin accident and health concept | The rule, and where it comes from |
|---|---|
| Free look, individual or franchise disability policy | 10 days after receipt (§632.73(1)) |
| Free look, Medicare supplement, Medicare replacement or long-term care | 30 days of delivery — triple the ordinary window (§632.73(2m)) |
| Free look exclusions | Single-premium nonrenewable policies of 6 months or less, and accident-only policies, are outside §632.73 |
| Reinstatement by acceptance of premium | If the insurer, within one year after termination for nonpayment, accepts a premium without reservation, the policy is reinstated as of the date of acceptance (§632.74) |
| The insurer's 45-day window | The insurer has 45 days from receiving the payment to deliver or mail written reservations. Miss it and the payment is acceptance without reservation — the policy reinstates automatically (§632.74) |
| Coverage gap on reinstatement | Losses occurring between termination and the reinstatement effective date are not covered, and no premium is charged for that period except amounts applied to reserves (§632.74) |
| Incontestability, individual disability | 2 years — no statement in the application avoids the policy or denies a claim for loss incurred or disability commencing after 2 years, except for fraudulent misrepresentation (§632.76(1)) |
| Preexisting conditions, general rule | Cannot reduce or deny after 2 years unless the condition was excluded by name or specific description (§632.76(2)(a)) |
| Preexisting conditions, individual disability | 12 months rather than two years, and the definition may look back no more than 12 months (§632.76(2)(ac)1., 2.) |
| Preexisting conditions, Medicare supplement and LTC | 6 months — named exclusions must terminate no later than 6 months after issuance (§632.76(2)(b)) |
| Overdue claims | A claim is overdue if unpaid 30 days after the insurer is furnished written notice of the fact and amount of the loss, and overdue payments bear simple interest at 7.5% per year (§628.46) |
| "Prompt" in claim handling | Defined numerically: responsive action within 10 consecutive days from receipt of a communication about a claim (Wis. Admin. Code Ins 6.11(4), captioned "Prompt defined") |
| Group health continuation | 18 months, elected within 30 days of notice — and the employer must give that notice not more than 5 days after receiving notice to terminate coverage (§632.897) |
Section 632.74 is the single most Wisconsin-specific rule on this exam, and it inverts the usual teaching. National material frames reinstatement as something the applicant does: submit an application, get a conditional receipt, wait for underwriting. Wisconsin frames it as something the insurer can do by accident. Take a late premium without saying anything, and the policy comes back to life on the day you took the money. The insurer's only protection is to mail written reservations within 45 days — and if it does not, silence is consent. Learn it as a rule about the insurer's obligation, not the insured's.
The continuation numbers are the other reliable trap. Federal COBRA runs on 14, 44 and 60 days, and those rhythms are what candidates memorize. Wisconsin's five-day employer notice is an order of magnitude tighter, and the election window is 30 days, not 60. And state the premium rule precisely, because it is easy to overstate. §632.897 does cap it — the payment for continued group coverage "may not exceed the group rate in effect for a group member, including an employer's contribution, if any" — but it allows no percentage markup on top. Federal COBRA's familiar 102% has no Wisconsin counterpart: Wisconsin stops at 100% of the group rate.
Finally, the two claims numbers travel together and are easy to swap. 30 days is when a claim becomes overdue and 7.5% is the simple annual interest it then bears (§628.46), while 10 consecutive days is what the administrative rule means by "prompt" responsive action on a communication (Ins 6.11(4), captioned "Prompt defined"). One is about paying, the other about answering.
Taking the Wisconsin Exam Remotely
Wisconsin still offers remote proctoring through PSI, at a time when several states' vendors have quietly retired it. The bulletin puts the choice at booking: "Select your test format: (Test Center) or (Remote Proctored)."
It is worth knowing that this is not merely a menu item nobody uses. An OCI and PSI presentation to Wisconsin Insurance Industry Days dated August 23, 2024 reports exam pass and fail statistics broken out by "Remote Proctor Tester" versus "Test Center Tester" — the state is tracking both populations, which is about as good evidence of live operational use as a public document gets.
Run the system compatibility check before you book. The bulletin links to it directly rather than printing a URL, and it exercises audio, video, webcam and general system readiness. Doing it after you have paid $75 and picked a slot is the wrong order.
The launch window is tight, and it is two numbers, not one. You may launch your test within 30 minutes of your booked time — but "by not starting your test within 15 minutes after your booked time, you forfeit your test fee." Read those together and the operative deadline is 15 minutes. Be at the machine, checked in, before your slot opens.
Two restrictions make remote a genuinely different exam. First: "Breaks are NOT allowed during remote online proctored examinations." Second: "Candidates are not allowed to have scratch paper." On a 100-question, two-hour exam that matters — if your study method depends on scribbling a benefit triangle or laying out a continuation timeline, you cannot do it at home. Candidates who work things out on paper should book a test center.
You will also need adequate lighting for the proctor to see you clearly, and a workspace that stays clear for the duration. Remote technical support is (844) 267-1017.
One thing remote testing does not change: you still need your pre-licensing certificate of completion and you still need fingerprints through Fieldprint, which is an in-person appointment. Remote proctoring shortens the trip to the exam, not the path to the license.
What It Costs
$75 to PSI for Series 22-03, $34.75 to Fieldprint for digital fingerprints, $75 to OCI for the accident and health line, and a one-time $10 resident application fee — about $195 on a first pass, before pre-licensing tuition.
There is one real saving available on this line, and it is worth planning around. Wisconsin's 20 hours of pre-licensing break into an 8-hour general block and 12 line-specific hours, and OCI's rule is that the 8 hours "needs not be repeated for each line of authority as long as it is within a 12-month period." So if you took Life first and come back for Accident and Health inside twelve months, you owe 12 hours, not 20. Sequencing your lines within a year is worth real money.
What does not get cheaper: the $75 exam fee and the $75 license fee are charged per line regardless. Only the $10 application fee is once.
Eligibility Requirements
At least 18, with the real standard set by Wis. Stat. §628.04 — the commissioner must find the applicant "is competent and trustworthy" and intends in good faith to act as an intermediary. Fingerprints through Fieldprint and the uniform application's background questions are how that finding gets made.
§628.10 allows revocation for false statements on an application and §628.097 for child support, tax or unemployment insurance delinquency. Disclose fully; nondisclosure is its own violation regardless of what was being hidden.
Pre-licensing is required for this line — 20 hours, or 12 if you completed the general block for another major line within the past year — and the certificate must be presented at the test center.
Keeping Your License Active
Important CE details: Wisconsin allocates none of the 24 hours by line, so an accident-and-health producer may satisfy the whole requirement with property or casualty coursework if they want to.
24 credit hours biennially with a minimum of 3 in ethics (Ins 28.04), on a license that expires the last day of your birth month every two years. Wisconsin assigns nothing by line — the rule permits credits "from courses taught in any or all of the major lines."
Two product-specific training obligations sit outside the 24 hours, and both matter on this line. Long-term care carries its own requirement at Wis. Admin. Code Ins 3.46(26): initial training of no less than 8 hours, of which 2 hours must contain Wisconsin-specific Medicaid and long-term care information, followed by a 4-hour long-term care course every 24 months. Note where that rule lives — in the LTC chapter, not the CE chapter, which is why it is easy to miss when you go looking in Ins 28. Annuities carry a 4-credit best-interest course under §628.347(4m), required before soliciting annuity sales.
The mechanism that catches people is the banking rule. Credits must be submitted electronically by the provider — you do not self-report — and providers have 10 days to do it. A course finished on your expiration date does not renew your license. The Property & Casualty guide walks the whole renewal machine, including what a lapse costs.
Quick Reference
Official Links
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