Wisconsin splits property and casualty into two separate exams
Wisconsin does not offer a combined property and casualty exam. To carry both lines you sit two separate PSI exams: Property (Series 22-05); Casualty (Series 22-07).
Every Wisconsin producer exam follows the same format — 100 scored questions, a 2-hour time limit, and a 70% passing score. A small number of unscored experimental questions (5–10) may be added but do not count.
First-time candidates must select the exam labeled with BOTH the general and state series for the line. The 'state-specific' series tests are only for people who previously held that same line of authority elsewhere.
Prelicensing for property and casualty: 20 hours per line
Wisconsin requires 20 hours of OCI-approved prelicensing education for each line of authority. Those 20 hours break down as 8 hours of general content — principles of insurance, general Wisconsin insurance law, and ethics — plus 12 hours of line-specific policies, terms, and Wisconsin law.
Here is the part candidates miss: the 8-hour general core does not have to be repeated for a second line as long as both are completed within 12 months. So property and casualty (Property + Casualty) is a 32-hour regulatory minimum — though most providers simply package two full 20-hour courses, which is why you will usually see it advertised as 40 hours.
Prelicensing education is not a prep course for the state exam, and it is separate from any exam-prep product. The completion certificate is valid for one year from the date of issuance.
TESTivity recommends [Achievable](https://app.achievable.me/study/insurance-property-casualty/purchase#a_aid=getthelicense) to satisfy your Wisconsin 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 Wisconsin requires.
One important distinction: TESTivity is not an approved pre-licensing provider in Wisconsin 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.
Fingerprints through Fieldprint ($36)
Wisconsin runs a state and FBI criminal background check on every resident producer applicant. Fingerprints are captured electronically through Fieldprint — schedule at fieldprintwisconsin.com using the code FPWIOCIInsurance. The fee is $36, and the fingerprint reservation is valid for 180 days.
Fingerprint cards mailed directly to OCI are not accepted; the capture has to go through Fieldprint. Results usually reach OCI within 24–72 hours.
Apply through NIPR after you pass
Once you pass an exam, wait 48–72 hours for results to post, then file the electronic application through NIPR at nipr.com. A single application can cover one or more lines of authority, and the application fee is $10.
You must apply within 180 days of passing the exam. After OCI receives the application you have 90 days to supply any requested documentation or the file is closed as expired — and fees are non-refundable.
Wisconsin does not mail a paper license. Your National Producer Number (NPN) is issued 24–48 hours after approval and doubles as your Wisconsin license number; print the license yourself from State Based Systems (SBS).
24 CE hours every two years (3 in ethics)
Important CE details: 24 hours biennially with a minimum of 3 ethics hours; renews on the last day of the birth month; no carryover. Resident renewal fee $35.
Resident producers holding major lines complete 24 hours of continuing education each biennium, and at least 3 of those 24 hours must be ethics. Wisconsin does not carry over excess CE credit into the next cycle.
Licenses expire every two years on the last day of your birth month. You must be CE-compliant first, then renew through NIPR; the resident renewal fee is $35. OCI sends a reminder 45–60 days out, but the reminder is a courtesy — the obligation to renew on time is yours.
Designations that waive P&C prelicensing
Wisconsin waives prelicensing education (not the exam) for applicants who hold a matching professional designation. For Property and Casualty — and for the Personal Lines P&C authority — qualifying designations include the AAI, ARM, CIC, and CPCU.
A two-year Wisconsin technical-college insurance degree, or a four-year business degree with an insurance emphasis, also exempts you. Submit the Prelicensing Exemption Form with documentation.
Wisconsin's mandatory auto limits and UM
Wisconsin requires liability limits of 25/50/10 — $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage. These are the figures the Casualty outline expects you to know cold.
Wisconsin also mandates uninsured motorist (UM) bodily-injury coverage at 25/50. Underinsured motorist (UIM) coverage must be offered by the insurer but is not required to be purchased — a distinction worth keeping straight for exam questions.
The Wisconsin Automobile Insurance Plan (WAIP) is the residual market that writes drivers who cannot get coverage in the voluntary market.
Standard fire policy, cancellation, and the WIP
Wisconsin layers required provisions onto the standard fire policy (s. 632.05–632.08, s. Ins 4.01) and limits how an insurer may use or disclose information related to domestic abuse.
Cancellation and nonrenewal of property and casualty policies are governed by s. 631.36, which sets notice requirements and the grounds and timing for ending or declining to renew coverage.
The Wisconsin Insurance Plan (WIP) is the state's FAIR-plan-style residual market for property risks that cannot find coverage in the standard market.
Workers' compensation and surplus lines
Workers' compensation sits under ch. 102. Rates and rating plans run through the Wisconsin Compensation Rating Bureau (WCRB), and employers who cannot buy coverage voluntarily go to the Wisconsin Worker's Compensation Insurance Pool (WWCIP). The Casualty outline tests the policy's structure (Parts One through Six) and the exclusive-remedy concept.
Surplus lines coverage — placed with non-admitted insurers for risks the admitted market won't take — carries its own producer responsibilities and diligence requirements (s. 618.41 and related rules).
Wisconsin Insurance Security Fund
The Wisconsin Insurance Security Fund (ch. 646) is the state guaranty mechanism that pays covered claims when a member insurer becomes insolvent. Producers may not use the existence of the Fund as a selling point or inducement — advertising its protection to close a sale is prohibited.
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