Wyoming Insurance Exam Guides
Pick the license you're studying for. Each guide covers Wyoming-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Wyoming exam's state-law material, mapped.
Free study resource
What's actually tested on the Wyoming exam — the state regulations, mapped
Every Wyoming insurance exam reserves a block of questions for Wyoming-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 116 facts from the TESTivity Wyoming regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 14 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years — a life policy is incontestable after it has been in force during the insured's lifetime for 2 years (except for nonpayment of premium)
- Grace period for individual life tested31 days for any premium after the first, during which the policy stays in force (a claim during the grace period is paid less the unpaid premium)
- Window to reinstate a lapsed policy testedWithin 3 years after the date of premium default, with evidence of insurability and payment of overdue premiums (unless the policy was surrendered for cash value)
- Max interest chargeable on reinstatement, if capped testedOverdue premiums are paid with interest at the rate stated in the policy — Wyoming does not fix a separate statutory reinstatement-interest cap
- Suicide exclusion period tested2 years — if death is by suicide within 2 years of issue, the insurer's liability is typically limited to a refund of the premiums paid
- Free look for individual life testedAt least 10 days to return an individual life policy for a refund (longer on a replacement)
- Free look for annuities testedAt least 10 days for an annuity (longer on a replacement under Wyoming's replacement rules)
- Free look when a policy is being replaced testedWyoming's replacement rules extend the right to return when a life policy or annuity replaces existing coverage (commonly a longer period than a new sale)
- Free look for long-term care tested30 days for long-term care, from policy delivery
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, and extended term insurance, under Wyoming's Standard Nonforfeiture Law
- Registrations required to sell variable products testedVariable life and variable annuities require the Wyoming Life line plus a variable qualification and FINRA registration (a Series 6 or 7 with a Series 63) and a CRD number — they are securities
- Does the state regulate viatical/life settlements? testedYes — Wyoming regulates viatical and life settlements; providers and brokers must be licensed by the DOI
- Viator's rescission window testedThe owner has a statutory right to rescind a life-settlement contract within the period fixed by Wyoming law (commonly within a set number of days after execution or receipt of proceeds)
- Has the state adopted the NAIC best interest standard? testedYES — Wyoming adopted the NAIC best interest annuity standard: a producer recommending an annuity must act in the consumer's best interest and complete a one-time annuity training
Health 15 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedNO — Wyoming has NOT expanded Medicaid under the ACA; it remains one of the non-expansion states, so childless adults under 65 generally do not qualify regardless of income (a coverage gap exists)
- Effective date of expansion, if expanded testedNot applicable — Wyoming has not expanded Medicaid
- Agency administering Medicaid testedThe Wyoming Department of Health, which administers Wyoming Medicaid
- Federal marketplace or state-based exchange testedA FEDERALLY-FACILITATED marketplace (HealthCare.gov) — Wyoming did not build a state exchange
- Name of the state CHIP program testedKid Care CHIP — Wyoming's Children's Health Insurance Program, administered by the Department of Health
- Clean-claim payment deadline, electronic tested45 days — an insurer must pay or deny a clean claim within 45 days of receiving proof of loss (with interest on late payment)
- Clean-claim payment deadline, paper tested45 days — Wyoming applies the same standard whether the claim is paper or electronic
- Does the state distinguish electronic vs paper claims? testedNo — Wyoming uses a single clean-claim standard rather than splitting electronic from paper
- Interest / penalty on late claim payment testedInterest accrues on a clean claim not paid within the statutory period (Wyoming provides for interest on overdue claims)
- Is the IRO's external review decision binding on the plan? testedYES — Wyoming provides an independent external review of adverse health benefit determinations, and the external review decision is binding on the insurer
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Wyoming continuation reaches smaller groups
- Employer size range covered by state continuation testedWyoming continuation applies to group health policies of employers not subject to federal COBRA (fewer than 20 employees)
- Duration of state continuation coverage testedUp to 12 months of continued group coverage under Wyoming's continuation law
- Election period for state continuation testedElected after a qualifying event that ends group coverage; the individual pays the premium
- Max premium as % of group rate testedThe individual pays the premium for continued coverage
Auto 12 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedTORT (at-fault) — the at-fault driver's liability insurance pays the other party's damages. Wyoming does not mandate PIP, so it is not a no-fault state.
- Minimum bodily injury liability per person tested$25,000 per person
- Minimum bodily injury liability per occurrence tested$50,000 per accident
- Minimum property damage liability tested$20,000 per accident
- The memorizable shorthand (e.g. 30/60/25) tested25/50/20
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedUninsured motorist coverage must be OFFERED with every auto policy, but is optional — the insured may reject it in writing (Wyoming does not require you to carry UM)
- Underinsured motorist status testedUnderinsured motorist coverage must be OFFERED but is optional; the insured may accept or decline it
- Personal injury protection status testedNot required — Wyoming does not mandate PIP; medical payments (MedPay) coverage is optional
- Contributory / pure comparative / modified comparative negligence testedMODIFIED COMPARATIVE NEGLIGENCE — a claimant recovers only if their fault is NOT MORE THAN 50%; at 51% or more they recover nothing. Recovery is reduced by the claimant's share.
- The bar percentage, if modified comparative testedA claimant who is more than 50% at fault is barred; one who is 50% or less still recovers (reduced by their share)
- Assigned risk / residual market plan for auto testedThe Wyoming Automobile Insurance Plan (the assigned-risk plan, administered through AIPSO) — a producer submits an application on the driver's behalf when voluntary coverage cannot be found
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedWyoming requires proof of financial responsibility; most comply by buying auto insurance, though a bond or cash deposit is available under the Financial Responsibility framework
CE & Renewal 10 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal testedA Wyoming producer license runs on a two-year (biennial) term
- What the renewal date keys off (flat term / birthday / birth year) testedRenew every two years; Wyoming ties the renewal to the licensee's assigned expiration date
- CE hours per renewal period, standard case tested24 CE credit hours every 2 years
- CE hours if holding multiple license types (if different) tested24 total each cycle regardless of how many lines you hold
- Ethics hours required per period tested3 hours of ethics within the 24
- Limits on who may provide CE credits testedCourses and providers must be approved by the Wyoming Department of Insurance
- Initial long-term care training requirement testedLong-term care: producers must complete LTC training before selling LTC. Annuities: a one-time annuity best-interest/suitability training under Wyoming's adoption of the NAIC standard.
- What happens if CE is not completed (fine / expiry / cancellation) testedA producer who fails to complete CE by the renewal deadline cannot renew, and the license lapses
- Late renewal / reinstatement tiers testedA lapsed license may be reinstated within the statutory window on completion of CE and payment of a penalty; after that, reapplication (and re-examination) may be required
- Any CE exemption (e.g. long-service agents) testedLimited-lines producers carry reduced or no CE, and nonresidents generally satisfy Wyoming CE by meeting their home-state requirement
Property 8 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedFILE-AND-USE — Wyoming insurers file property & casualty rates with the DOI and may use them; rates may not be excessive, inadequate, or unfairly discriminatory
- Is insurance credit scoring permitted in personal lines? testedPERMITTED with restrictions — Wyoming allows credit-based insurance scoring in personal-lines underwriting and rating, subject to consumer-protection limits (a credit score may not be the sole basis for an adverse action)
- Does the state have a FAIR Plan? testedNO — Wyoming has no FAIR Plan or state-run property insurer of last resort
- Name of the FAIR Plan, if any testedNone — Wyoming does not operate a FAIR Plan; hard-to-place property risks rely on the surplus-lines/specialty market
- Coastal windstorm pool, if any (e.g. TWIA) testedNone — Wyoming is landlocked and has no coastal wind pool or beach plan
- Dominant catastrophe perils in the state testedWildfire (in the mountain and rangeland areas), severe winter storms and blizzards, hail and high wind, and flooding — Wyoming's exposure is wildfire and severe winter/wind weather, not coastal
- What license you must already hold to write surplus lines testedA Wyoming surplus lines license, held to place business with nonadmitted insurers on top of property & casualty authority
- Is a diligent-effort search of the admitted market required first? testedYes — before placing coverage with a nonadmitted insurer, the surplus lines broker must make a diligent search of the admitted market and document that the risk could not be placed with admitted insurers
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedThe Wyoming Life and Health Insurance Guaranty Association
- Life death benefit limit tested$300,000 in life insurance death benefits per insured life
- Life cash surrender / withdrawal value limit tested$100,000 in net cash surrender or withdrawal value for life insurance
- Annuity benefit limit tested$250,000 in the present value of annuity benefits, including net cash surrender and withdrawal values
- Health benefit limit tested$500,000 for basic hospital, medical, and surgical or major medical health insurance; $300,000 for disability income and long-term care; $100,000 for other health coverage
- Aggregate per-individual cap, if any tested$300,000 aggregate per individual life for all coverages ($500,000 where basic hospital/medical/surgical or major medical health insurance is involved)
- Does the state follow the standard NAIC model limits? testedYes — Wyoming uses the standard NAIC model limits: $300,000 death benefit, $100,000 cash value, $250,000 annuity, and a $300,000 aggregate ($500,000 for major-medical health)
- Name of the P&C guaranty association testedThe Wyoming Insurance Guaranty Association (the property & casualty guaranty fund)
- Per-claim cap testedUp to $300,000 per covered claim, never more than the policy limit
- Is using the guaranty association as a sales inducement prohibited? testedYes — using the existence of the guaranty association to sell or induce the purchase of insurance is prohibited, and a disclaimer notice is required
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — a covered Wyoming employer must provide workers' compensation, and coverage is obtained through the STATE FUND (the Department of Workforce Services, Workers' Compensation Division), not a private insurer
- Employee count at which coverage is required testedRequired for employers in covered (largely extrahazardous, and many other) employments once they have employees; coverage is bought from the state fund. Wyoming's coverage rules are employment-category based rather than a simple headcount.
- Agency administering workers' compensation testedThe Wyoming Department of Workforce Services, Workers' Compensation Division, which operates the state workers'-compensation fund
- Temporary total disability wage replacement rate testedTemporary total disability is paid at two-thirds (66 2/3%) of the worker's actual monthly earnings (based on the statewide average wage), subject to statutory maximums and minimums
- Maximum TTD duration testedTemporary total disability is generally payable up to a statutory maximum (about 24 months) while the worker recovers; the maximum benefit is tied to the state average wage
- Deadline to file a claim tested1
- Ways an employer may comply (insure / self-insure / group) testedCoverage is bought through the STATE FUND (Department of Workforce Services); a very small number of large employers may qualify to self-insure. Private workers'-comp insurance is NOT sold in Wyoming.
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Wyoming Department of Insurance (WY DOI)
- Title of the person who heads it testedInsurance Commissioner
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedAPPOINTED by the Governor (with the advice and consent of the Senate), not elected
- Where the state's insurance law is codified testedTitle 26 of the Wyoming Statutes (Insurance Code), with producer licensing in Chapter 9 and rules in the Wyoming Department of Insurance regulations
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedNo — a standalone Department of Insurance led by a Commissioner appointed by the Governor (the mainstream appointed-commissioner model)
Cancellation 8 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested60
- Notice days to cancel a homeowners policy inside the initial window testedProperty: at least 45 days' notice for a mid-term cancellation (10 days for nonpayment); nonrenewal takes at least 45 days' notice with the precise reason stated
- Notice days to cancel a personal auto policy inside the initial window testedAuto: at least 45 days' notice for a mid-term cancellation for a reason other than nonpayment (10 days for nonpayment of premium)
- Notice days for cancellation for nonpayment testedAt least 10 days' notice for a mid-term cancellation based on nonpayment of premium
- Notice days for cancellation for other permitted causes testedA mid-term cancellation for a permitted cause other than nonpayment takes at least 45 days' notice stating the reason
- Notice days required for nonrenewal testedNonrenewal takes at least 45 days' notice before the expiration or anniversary date, stating the precise reason (90 days for health-care malpractice liability)
- Must the reason be stated proactively, on request, or not at all? testedYes — a Wyoming cancellation or nonrenewal notice must state the actual reason, and midterm cancellation is limited to statutory grounds
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) testedAfter the initial underwriting window, a Wyoming personal-lines auto policy may be canceled midterm only for the grounds allowed by statute (nonpayment, material misrepresentation, license/registration suspension, and similar) — not merely because a claim was filed
Licensing 27 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a standalone Life exam and line of authority (Life includes annuities)
- Is there a standalone health license/exam? testedYes — a standalone Accident & Health, Sickness & Disability exam and line of authority
- Is there a combined life+health license/exam? testedYes — Wyoming offers a combined Life & Health exam (a Life & Health–State Section) in addition to the standalone Life and Accident & Health exams
- Is there a personal lines license/exam? testedNo — Wyoming does NOT offer a Personal Lines exam or line of authority; personal auto and homeowners are written under the Property and Casualty lines
- Is P&C one combined license, or split into Property and Casualty? testedBOTH — Wyoming offers a combined Property & Casualty exam AND standalone Property and Casualty exams; there is NO separate Personal Lines exam
- Does the life license cover annuities? testedYes — the Life line covers life insurance and annuities. VARIABLE life and variable annuities require the Life line plus FINRA registration (they are securities).
- Does the P&C license already include personal lines authority? testedYes — because Wyoming has no separate Personal Lines line, personal auto and homeowners are written under the Property and Casualty lines (or the combined P&C license)
- Full list of exam-based agent license types testedWyoming offers Life · Accident & Health (Sickness & Disability) · Property · Casualty exams — with combined Life & Health and combined Property & Casualty exams available — plus Title, Variable (with FINRA registration), Surplus Lines, Consultant, and Adjuster. There is NO Personal Lines line.
- Exam administrator (Prometric / PSI / Pearson VUE) testedPearson VUE administers Wyoming producer exams (at a test center or via OnVUE online proctoring) on behalf of the DOI
- Exam fee testedThe Pearson VUE examination fee varies by line — about $96 for the Life exam and $113 for the Property & Casualty exam
- License application fee tested$100 for a resident producer license ($150 for a nonresident)
- Fee per insurer appointment testedAppointments are filed by the insurer through NIPR; Wyoming charges a per-appointment fee paid by the appointing insurer
- Passing score tested70% (Wyoming producer exams are scored; 70% is the passing standard)
- Minimum age to be licensed tested18
- Is pre-licensing education required? testedNO — Wyoming has no pre-licensing education requirement; you may take the exam directly for any line
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone — Wyoming requires no pre-licensing hours for any line. A study course (like this one) is strongly recommended, but not legally required.
- Fingerprints, state police report, or none testedFingerprint-based criminal background check — first-time resident applicants are fingerprinted for a state and federal (FBI) criminal history check; a fingerprinting packet is mailed after the application is received
- Who takes the prints / issues the report testedA fingerprinting packet ($39 for resident applicants) is mailed after the application; prints go to the state and FBI for a criminal history check
- How long the background report stays valid testedFingerprints are submitted with the initial resident application; a producer who stays continuously licensed is not re-fingerprinted at renewal
- Deadline to apply after passing the exam testedApply through NIPR after passing your exam; Wyoming exam results are valid for 12 months
- How long a passed exam remains valid testedExam results are valid for 12 months from the date passed
- Waiting period before retaking a failed exam testedYou must wait 24 hours after a failed attempt before rescheduling, and pay the exam fee each attempt
- Limit on number of attempts, if any testedWyoming does not publish a fixed cap on attempts; you re-register and pay the fee for each attempt
- Notice required to reschedule/cancel without forfeiting the fee testedChange or cancel an exam appointment in advance under Pearson VUE's standard policy (generally at least one business day / 24 hours ahead) to avoid forfeiting the fee
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com) — apply online and pay the fees; exam scheduling is through Pearson VUE
- Are temporary licenses available? testedYes — Wyoming provides temporary producer licenses in limited business-servicing situations (such as the death or disability of a producer), not as a general 'work while you study' license
- Temporary license duration and training requirement testedIssued without an exam to service an existing insurance business (for example after a producer's death or disability); the Commissioner may limit its authority and duration