Wyoming Insurance Licensing

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 August 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 tested
    2 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)
    Wyo. Stat. §26-16-203 verified 2026-07-17
  • Grace period for individual life tested
    30 days for individual life — or, at the insurer's option, one month of not less than 30 days; 4 weeks for industrial life whose premiums are payable more frequently than monthly. The insurer may charge interest not exceeding 6 percent per annum for the days of grace elapsed.
    W.S. 26-16-103 verified 2026-08-28
  • Window to reinstate a lapsed policy tested
    Within 3 years from the date of premium default — 2 years for industrial life. Unavailable if the policy was surrendered for cash value, the cash value is exhausted, or the paid-up term has expired.
    W.S. 26-16-110 verified 2026-08-28
  • Max interest chargeable on reinstatement, if capped tested
    Capped at 6 percent per annum compounded annually. Reinstatement requires written application, evidence of insurability satisfactory to the insurer, payment of all premiums in arrears, and payment or reinstatement of any other policy indebtedness with that interest.
    W.S. 26-16-110(a)(i)-(v) verified 2026-08-28
  • Suicide exclusion period tested
    2 years. A life policy may exclude liability for 'Death within two (2) years from the date of issue of the policy as a result of suicide, while sane or insane.' Where any permitted exclusion applies the insurer must still pay at least the RESERVE computed on the commissioners' reserve valuation method — not a refund of premiums. The section does not reach group life, disability insurance, reinsurance or annuities.
    W.S. 26-16-119(a)(ii)(E), (b), (c) verified 2026-08-28
  • Free look for individual life tested
    There is NO general free-look requirement for ordinary individual life insurance in Wyoming, in either the code or the Department's rules. Free looks exist product by product: replacement 30 days from delivery (Rule 12-7(d)); long-term care 30 days by statute (W.S. 26-38-105(j)); Medicare supplement 30 days by rule (35-17(a)(v)); variable life 10 days from receipt (Rule 67-4(c)(i)(E)).
    W.S. ch. 26-16; 044-2 Wyo. Code R. ch. 12, 35, 37, 40, 66, 67 verified 2026-08-28
  • Free look for annuities tested
    No general annuity free look is prescribed. A replacement annuity carries the 30-day right under Rule 12-7(d), and for variable or market-value-adjustment contracts the refund on a replacement is the cash surrender value plus fees and charges deducted from gross premiums rather than premiums paid.
    044-2 Wyo. Code R. §12-7(d); ch. 66 §66-6 verified 2026-08-28
  • Free look when a policy is being replaced tested
    30 days from the DATE OF DELIVERY, with an unconditional refund of all premiums paid. The replacing insurer must provide it in the policy or in a separate written notice delivered with the policy.
    044-2 Wyo. Code R. §12-7(d) verified 2026-08-28
  • Free look for long-term care tested
    30 days for long-term care, from policy delivery
    WY DOI regulations (LTC) verified 2026-07-17
  • Required nonforfeiture options tested
    Cash surrender value, reduced paid-up insurance, and extended term insurance, under Wyoming's Standard Nonforfeiture Law
    Wyo. Stat. §26-16 (Standard Nonforfeiture Law) verified 2026-07-17
  • Registrations required to sell variable products tested
    Variable 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
    Wyo. Stat. §26-9; FINRA verified 2026-07-17
  • Does the state regulate viatical/life settlements? tested
    No viatical settlement or life settlement act, statute or Department rule was located. Two complete Title 26 chapter indexes and the full Insurance Department rules index were searched. Treat as a strong but not airtight absence and confirm with the Department before advising on a settlement transaction.
    W.S. Title 26 chapter index; 044-2 Wyo. Code R. chapter index verified 2026-08-28
  • Viator's rescission window tested
    No statutory rescission window was located, because no viatical or life settlement act was located. Do not quote a number of days for Wyoming.
    W.S. Title 26 chapter index verified 2026-08-28
  • Has the state adopted the NAIC best interest standard? tested
    YES — Wyoming adopted the 2020 NAIC best-interest model by rule. A producer recommending an annuity shall act in the best interest of the consumer, satisfying obligations of care, disclosure, conflict of interest and documentation, and must complete a one-time four-credit annuity training course before selling.
    044-2 Wyo. Code R. §64-5, §64-6 verified 2026-08-28
Health 15 facts

Health coverage rules — continuation, prompt pay, mandates, public programs.

  • Has the state expanded Medicaid under the ACA? tested
    NO — 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)
    Wyoming Department of Health; KFF verified 2026-07-17
  • Effective date of expansion, if expanded tested
    Not applicable — Wyoming has not expanded Medicaid
    Wyoming Department of Health; KFF verified 2026-07-17
  • Agency administering Medicaid tested
    The Wyoming Department of Health, which administers Wyoming Medicaid
    Wyoming Department of Health verified 2026-07-17
  • Federal marketplace or state-based exchange tested
    A FEDERALLY-FACILITATED marketplace (HealthCare.gov) — Wyoming did not build a state exchange
    WY DOI; CMS verified 2026-07-17
  • Name of the state CHIP program tested
    Kid Care CHIP — Wyoming's Children's Health Insurance Program, administered by the Department of Health
    Wyoming Department of Health (Kid Care CHIP) verified 2026-07-17
  • Clean-claim payment deadline, electronic tested
    45 days — an insurer must pay or deny a clean claim within 45 days of receiving proof of loss (with interest on late payment)
    Wyo. Stat. §26-15-124 verified 2026-07-17
  • Clean-claim payment deadline, paper tested
    45 days — Wyoming applies the same standard whether the claim is paper or electronic
    Wyo. Stat. §26-15-124 verified 2026-07-17
  • Does the state distinguish electronic vs paper claims? tested
    No — Wyoming uses a single clean-claim standard rather than splitting electronic from paper
    Wyo. Stat. §26-15-124 verified 2026-07-17
  • Interest / penalty on late claim payment tested
    Interest accrues on a clean claim not paid within the statutory period (Wyoming provides for interest on overdue claims)
    Wyo. Stat. §26-15-124 verified 2026-07-17
  • Is the IRO's external review decision binding on the plan? tested
    YES — Wyoming provides an independent external review of adverse health benefit determinations, and the external review decision is binding on the insurer
    Wyo. Stat. §26-40 (external review); WY DOI verified 2026-07-17
  • Employer size at which federal COBRA applies tested
    Federal COBRA applies at 20+ employees; Wyoming continuation reaches smaller groups
    Federal COBRA; Wyo. Stat. §26-19-113 verified 2026-07-17
  • Employer size range covered by state continuation tested
    Wyoming's continuation applies to a NON-COBRA group policy — one not subject to federal COBRA continuation rights. The Wyoming statute itself states NO employer-size number at all; the 20-employee line that defines non-COBRA lives in federal law.
    W.S. 26-19-113(a), (b) verified 2026-08-28
  • Duration of state continuation coverage tested
    Up to 12 months — the outside limit is 'the date twelve (12) months after the date the employee's or member's insurance under the policy would otherwise have terminated.' Limited to hospital, surgical or major medical expense insurance, not specified-disease or accident-only policies.
    W.S. 26-19-113 verified 2026-08-28
  • Election period for state continuation tested
    Written election within the 31-day period following termination of coverage, with the first contribution accompanying it. The individual must have been continuously covered during the entire 3-month period ending with the termination of eligibility.
    W.S. 26-19-113 verified 2026-08-28
  • Max premium as % of group rate tested
    Not more than 102 percent of the group rate for the coverage continued.
    W.S. 26-19-113 verified 2026-08-28
Auto 12 facts

Auto insurance — minimum limits, fault system, required coverages.

  • Fault-based (tort) or no-fault tested
    TORT (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.
    Wyo. Stat. §31-4-103 (financial responsibility) verified 2026-07-17
  • Minimum bodily injury liability per person tested
    $25,000 per person
    Wyo. Stat. §31-4-103 verified 2026-07-17
  • Minimum bodily injury liability per occurrence tested
    $50,000 per accident
    Wyo. Stat. §31-4-103 verified 2026-07-17
  • Minimum property damage liability tested
    $20,000 per accident
    Wyo. Stat. §31-4-103 verified 2026-07-17
  • The memorizable shorthand (e.g. 30/60/25) tested
    25/50/20
    Wyo. Stat. §31-4-103 verified 2026-07-17
  • Uninsured motorist: mandatory / must be offered & rejectable / not required tested
    MANDATORY IN THE POLICY, not merely offered. No auto liability policy may be delivered or issued for delivery in Wyoming unless UM coverage is provided in it or supplemental to it, at the bodily injury limits in W.S. 31-9-102(a)(xi). The named insured MAY REJECT IT, and the statute imposes NO WRITING REQUIREMENT to do so. The writing requirement runs the other way: after a rejection the coverage need not appear in a renewal from the same insurer unless the named insured requests it IN WRITING.
    W.S. 31-10-101 verified 2026-08-28
  • Underinsured motorist status tested
    Wyoming's code does not mandate underinsured motorist coverage and does not require an offer of it. Title 31 chapter 10 has four sections, and 'uninsured motor vehicle' is extended only to a vehicle whose liability insurer is INSOLVENT — not to one whose limits are merely inadequate. UIM in Wyoming is a matter of contract.
    W.S. 31-10-101, 31-10-102 verified 2026-08-28
  • Personal injury protection status tested
    Not required — Wyoming does not mandate PIP; medical payments (MedPay) coverage is optional
    Wyo. Stat. §31-4 verified 2026-07-17
  • Contributory / pure comparative / modified comparative negligence tested
    MODIFIED 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.
    Wyo. Stat. §1-1-109 verified 2026-07-17
  • The bar percentage, if modified comparative tested
    A claimant who is more than 50% at fault is barred; one who is 50% or less still recovers (reduced by their share)
    Wyo. Stat. §1-1-109 verified 2026-07-17
  • Assigned risk / residual market plan for auto tested
    The 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
    Wyo. Stat. §26; AIPSO verified 2026-07-17
  • Any alternative to buying liability insurance (e.g. VA's UMV fee) tested
    Wyoming requires proof of financial responsibility; most comply by buying auto insurance, though a bond or cash deposit is available under the Financial Responsibility framework
    Wyo. Stat. §31-4; §31-9 verified 2026-07-17
CE & Renewal 10 facts

Continuing education and renewal rules — the numbers the exam loves.

  • How long a license lasts before renewal tested
    A Wyoming producer license runs on a two-year (biennial) term
    Wyo. Stat. §26-9; WY DOI CE verified 2026-07-17
  • What the renewal date keys off (flat term / birthday / birth year) tested
    Your licence renews every two years on the last day of the month of your birthday. Renewal invoices go to the business email on file 90 days prior, and fees are payable from 90 days before the renewal date.
    WY DOI Producer Licensing FAQ verified 2026-08-28
  • CE hours per renewal period, standard case tested
    24 CE credit hours every 2 years
    WY DOI CE verified 2026-07-17
  • CE hours if holding multiple license types (if different) tested
    24 total each cycle regardless of how many lines you hold
    WY DOI CE verified 2026-07-17
  • Ethics hours required per period tested
    3 hours of ethics within the 24
    WY DOI CE verified 2026-07-17
  • Limits on who may provide CE credits tested
    Courses and providers must be approved by the Department. Effective January 2023 credits above the required 24 may be carried forward to the next renewal term, capped at 12 credits, and only if completed within 120 days of expiration; carryover counts as general credit and never as ethics. Providers have 15 days to file completion certificates.
    WY DOI Continuing Education FAQ verified 2026-08-28
  • Initial long-term care training requirement tested
    Annuities: a one-time four-credit Department-approved training course before selling, soliciting or negotiating an annuity, under Rule 64-6. Long-term care: Wyoming's own law prescribes NO training hour count — there is no training section in the LTC statute and none in the Commissioner's LTC rule, unlike the annuity rule. Training for Partnership-certified policies is presupposed by W.S. 42-7-103(b)(ii) under federal Deficit Reduction Act requirements, and no Wyoming hour figure for it is published.
    044-2 Wyo. Code R. §64-6; W.S. ch. 26-38; W.S. 42-7-103(b)(ii) verified 2026-08-28
  • What happens if CE is not completed (fine / expiry / cancellation) tested
    A producer who has not completed the requirement cannot renew, and the licence lapses. There is no continuing education fee — the Department stopped assessing one as of January 1, 2023 — and no extensions are granted for any reason.
    WY DOI Continuing Education FAQ verified 2026-08-28
  • Late renewal / reinstatement tiers tested
    One tier and then a cliff. For ONE YEAR after the missed renewal date you may reinstate on completing your CE and paying a late fee equal to 100 PERCENT of the renewal amount. A reinstated licence keeps the same expiration date as if renewed on time. After one year there is no reinstatement — full reapplication is required, including re-taking the examination and re-fingerprinting for residents.
    WY DOI Producer Licensing FAQ verified 2026-08-28
  • Any CE exemption (e.g. long-service agents) tested
    Non-resident producers are exempt entirely — home-state compliance governs and there is no additional Wyoming requirement. Holders of licences for insurance types requiring no examination, and limited or restricted licences the commissioner exempts, are also outside it. There is NO exemption based on age, years licensed or professional designation, and the Department approves NO extensions to comply for any reason.
    W.S. 26-9-231; WY DOI Continuing Education FAQ verified 2026-08-28
Property 8 facts

Property insurance — rate regulation, residual markets, catastrophe exposure.

  • Rate regulation system (file-and-use / prior approval / use-and-file) tested
    FILE-AND-USE — Wyoming insurers file property & casualty rates with the DOI and may use them; rates may not be excessive, inadequate, or unfairly discriminatory
    Wyo. Stat. §26-14 (rates) verified 2026-07-17
  • Is insurance credit scoring permitted in personal lines? tested
    PERMITTED 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)
    Wyo. Stat. §26; WY DOI regulations verified 2026-07-17
  • Does the state have a FAIR Plan? tested
    NO — Wyoming has no property FAIR Plan or placement facility. W.S. 26-14-112, inside the Rates and Rating Organizations chapter, authorises joint underwriting, pools and residual market mechanisms and requires any such plan to be submitted to the commissioner for approval, but it names and creates nothing. An AUTOMOBILE assigned risk plan does exist.
    W.S. 26-14-112; 044-2 Wyo. Code R. §14-6 verified 2026-08-28
  • Name of the FAIR Plan, if any tested
    None — Wyoming does not operate a FAIR Plan; hard-to-place property risks rely on the surplus-lines/specialty market
    WY DOI verified 2026-07-17
  • Coastal windstorm pool, if any (e.g. TWIA) tested
    None — Wyoming is landlocked and has no coastal wind pool or beach plan
    WY DOI verified 2026-07-17
  • Dominant catastrophe perils in the state tested
    Wildfire (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
    WY DOI; NWS verified 2026-07-17
  • What license you must already hold to write surplus lines tested
    A separate surplus lines broker licence (exam code 82). A resident applicant must hold a current property and casualty producer licence, submit the uniform application, pass a written examination, pay the fees, and establish and continuously maintain an office in this state. The tax is 3 percent of gross premiums less return premiums, with reports due February 15, May 15, August 15 and November 15.
    W.S. 26-11-112(f), 26-11-117, 26-11-118 verified 2026-08-28
  • Is a diligent-effort search of the admitted market required first? tested
    Yes, and it is in the CODE rather than the rules. The insurance must be not procurable, after diligent effort, from among the admitted insurers authorized to transact AND ACTUALLY WRITING that kind and type of insurance in this state, with the search documented as prescribed by the commissioner. Wyoming sets NO number of declinations — the widespread 'three declinations' figure is not Wyoming law.
    W.S. 26-11-104 verified 2026-08-28
Guaranty 10 facts

The safety nets when an insurer fails — and their limits.

  • Name of the life & health guaranty association tested
    The Wyoming Life and Health Insurance Guaranty Association
    Wyo. Stat. §26-42 verified 2026-07-17
  • Life death benefit limit tested
    $300,000 in life insurance death benefits per insured life
    Wyo. Stat. §26-42; WY Life & Health Guaranty Association verified 2026-07-17
  • Life cash surrender / withdrawal value limit tested
    $100,000 in net cash surrender or withdrawal value for life insurance
    Wyo. Stat. §26-42; WY Life & Health Guaranty Association verified 2026-07-17
  • Annuity benefit limit tested
    $250,000 in the present value of annuity benefits, including net cash surrender and withdrawal values
    Wyo. Stat. §26-42; WY Life & Health Guaranty Association verified 2026-07-17
  • Health benefit limit tested
    THREE tiers, and they are not the NAIC model figures: $100,000 for coverages not defined as disability, disability income, health benefit plan or long-term care insurance; $300,000 for disability, disability income and long-term care; and $300,000 for health benefit plans. The model's health benefit plan figure is $500,000; Wyoming sets it lower.
    W.S. 26-42-103(d)(ii)(B)(I)-(III) verified 2026-08-28
  • Aggregate per-individual cap, if any tested
    A FLAT $500,000 aggregate with respect to any one life across the life, health and annuity limbs — there is no lower general aggregate with a carve-out. Separately, for ONE OWNER OF MULTIPLE NONGROUP LIFE POLICIES the association is not obligated to cover more than $5,000,000 in benefits regardless of the number of policies held.
    W.S. 26-42-103(d)(ii)(E)(I), (E)(II) verified 2026-08-28
  • Does the state follow the standard NAIC model limits? tested
    NO — Wyoming diverges from the NAIC model in three places: health benefit plans are capped at $300,000 rather than $500,000; the per-life aggregate is a flat $500,000 rather than $300,000 with a carve-out; and there is a $5,000,000 limb for one owner of multiple nongroup life policies that the standard model presentation omits. The life ($300,000 / $100,000) and annuity ($250,000) figures do match.
    W.S. 26-42-103(d)(ii) verified 2026-08-28
  • Name of the P&C guaranty association tested
    The Wyoming Insurance Guaranty Association (the property & casualty guaranty fund)
    Wyo. Stat. §26-31 verified 2026-07-17
  • Per-claim cap tested
    Three limbs with three treatments, and they sit in a different section from the covered-claim definition: workers' compensation covered claims are paid IN FULL with no cap; unearned premium is capped at $7,500 PER POLICY; and $300,000 applies to each covered claim OTHER THAN workers' compensation and unearned premium. Wyoming has no net-worth exclusion and no per-claim deductible, both of which the NAIC model carries.
    W.S. 26-31-106(c)(i)-(iii); 26-31-103 verified 2026-08-28
  • Is using the guaranty association as a sales inducement prohibited? tested
    Yes for the LIFE AND HEALTH association, and the class is broad: 'No person including a member insurer, agent or affiliate of an insurer' may use the existence of the association for the purpose of sales, solicitation or inducement. The property and casualty chapter contains NO counterpart section.
    W.S. 26-42-116; W.S. ch. 26-31 (no analogue) verified 2026-08-28
Workers Comp 7 facts

Who must carry workers' compensation and what it pays.

  • Is workers' compensation mandatory for private employers? tested
    Yes, and it is a MONOPOLISTIC STATE FUND grounded in the state constitution. Article 10 section 4(c) obliges the State to maintain a fund for compensation in extrahazardous employments, and W.S. 27-14-201(a) makes the worker's compensation account 'one and indivisible' with classes and rates set by the Division. A producer cannot sell statutory coverage for covered employment.
    Wyo. Const. art. 10 §4(c); W.S. 27-14-201(a) verified 2026-08-28
  • Employee count at which coverage is required tested
    Not an employee count. Coverage is compulsory only for employment the act deems EXTRAHAZARDOUS, enumerated by NAICS sector at W.S. 27-14-108(a)(ii). Employers outside those sectors may ELECT coverage under (j), and an election must cover ALL the employer's employees; officers, LLC members and partners elect under (k) with an eight-quarter lock-in.
    W.S. 27-14-108(a)(ii), (j), (k) verified 2026-08-28
  • Agency administering workers' compensation tested
    The Workers' Compensation Division of the Wyoming Department of Workforce Services operates the fund. It sets classes, actuarially determines and annually readjusts rates, collects premiums into a single indivisible account, adjudicates classification disputes bearing the burden of proof, and pays compensation — regulator, rate-maker and carrier in one.
    W.S. 27-14-201(a), 27-14-801 to -806 verified 2026-08-28
  • Temporary total disability wage replacement rate tested
    Temporary 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
    Wyo. Stat. §27-14-403 verified 2026-07-17
  • Maximum TTD duration tested
    Temporary 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
    Wyo. Stat. §27-14-403 verified 2026-07-17
  • Deadline to file a claim tested
    1
    Wyo. Stat. §27-14-503 (time for filing) verified 2026-07-17
  • Ways an employer may comply (insure / self-insure / group) tested
    Coverage for covered employment comes from the State fund administered by the Department of Workforce Services. NO SELF-INSURANCE PROVISION exists in Title 27 chapter 14 — the section catchlines of Articles 1, 2, 7 and 8 carry nothing resembling a self-insurer provision, in contrast to Title 31 chapter 9 which has an express self-insurer section for motor vehicle financial responsibility. Employments and persons outside the act's reach are not required to be in the fund and may buy privately.
    W.S. 27-14-104, -201; WY DOI consumer guidance verified 2026-08-28
Regulator 5 facts

Who regulates insurance here and what powers the office holds.

  • Name of the state insurance regulator tested
    The Wyoming Department of Insurance (WY DOI)
    Wyo. Stat. §26-2-101 verified 2026-07-17
  • Title of the person who heads it tested
    Insurance Commissioner
    Wyo. Stat. §26-2-101 verified 2026-07-17
  • How the commissioner is chosen: elected / appointed by governor / appointed by other body tested
    APPOINTED by the Governor (with the advice and consent of the Senate), not elected
    Wyo. Stat. §26-2-101 verified 2026-07-17
  • Where the state's insurance law is codified tested
    Title 26 of the Wyoming Statutes (Insurance Code), with producer licensing in chapter 9 article 2 and rules at agency 044, sub-agency 0002 of the Wyoming rules. Worker's compensation sits outside Title 26 entirely, in Title 27 chapter 14, and the long-term care Partnership programme in Title 42 chapter 7.
    W.S. Title 26 ch. 9; W.S. Title 27 ch. 14; W.S. 42-7-103 verified 2026-08-28
  • Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? tested
    No — a standalone Department of Insurance led by a Commissioner appointed by the Governor (the mainstream appointed-commissioner model)
    Wyo. Stat. §26-2-101 verified 2026-07-17
Cancellation 8 facts

When and how policies can be canceled or nonrenewed — heavily tested.

  • Initial window during which an insurer may cancel more freely tested
    60 days — the mid-term cancellation restrictions do not apply to a policy in effect less than 60 days that is not a renewal of a previously existing policy for a term longer than 60 days.
    W.S. 26-35-202 verified 2026-08-28
  • Notice days to cancel a homeowners policy inside the initial window tested
    Property: 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
    Wyo. Stat. §26-35-202; §26-35-203 verified 2026-07-17
  • Notice days to cancel a personal auto policy inside the initial window tested
    Auto: at least 45 days' notice for a mid-term cancellation for a reason other than nonpayment (10 days for nonpayment of premium)
    Wyo. Stat. §26-35-202; §26-35-203 verified 2026-07-17
  • Notice days for cancellation for nonpayment tested
    At least 10 days' notice for a mid-term cancellation based on nonpayment of premium
    Wyo. Stat. §26-35-202; §26-35-203 verified 2026-07-17
  • Notice days for cancellation for other permitted causes tested
    A mid-term cancellation for a permitted cause other than nonpayment takes at least 45 days' notice stating the reason
    Wyo. Stat. §26-35-202; §26-35-203 verified 2026-07-17
  • Notice days required for nonrenewal tested
    Not less than 45 days before expiration or anniversary, stating the precise reason — except NOT LESS THAN 90 DAYS where the policy is a PROFESSIONAL HEALTH CARE MALPRACTICE LIABILITY policy. The 90-day limb attaches only to that class. A nonrenewal not in compliance with the section is ineffective.
    W.S. 26-35-203 verified 2026-08-28
  • Must the reason be stated proactively, on request, or not at all? tested
    Yes — a Wyoming cancellation or nonrenewal notice must state the actual reason, and midterm cancellation is limited to statutory grounds
    Wyo. Stat. §26-35-202; §26-35-203 verified 2026-07-17
  • Restrictions on nonrenewing because of claims (e.g. weather claims excluded) tested
    Mid-term cancellation is limited to four grounds: failure to pay a premium when due; material misrepresentation of fact which if known would have caused the company not to issue the policy; substantial change in the risk assumed, except to the extent the insurer should reasonably have foreseen it; and substantial breaches of contractual duties, conditions or warranties.
    W.S. 26-35-202 verified 2026-08-28
Licensing 27 facts

How you get and keep the license — exams, fees, applications, background checks.

  • Is there a standalone life license/exam? tested
    Yes — a standalone Life exam and line of authority (Life includes annuities)
    Wyo. Stat. §26-9; Wyoming Insurance Examination Content Outlines (Pearson VUE) verified 2026-07-17
  • Is there a standalone health license/exam? tested
    Yes — a standalone Accident & Health, Sickness & Disability exam and line of authority
    Wyo. Stat. §26-9; Wyoming Insurance Examination Content Outlines verified 2026-07-17
  • Is there a combined life+health license/exam? tested
    Yes — Wyoming offers a combined Life & Health exam (a Life & Health–State Section) in addition to the standalone Life and Accident & Health exams
    Wyoming Insurance Examination Content Outlines verified 2026-07-17
  • Is there a personal lines license/exam? tested
    YES — Wyoming issues and examines a Personal Lines line of authority: exam code 55, 'Personal Lines Producer', 100 questions, 2 hours, $96, licensed as 'Personal Lines Only (Noncommercial Property & Casualty)'. Note that Pearson VUE publishes no Personal Lines content outline, which is probably why some sources report the line as unavailable.
    WY Insurance Licensing Candidate Handbook pp.6-7 and back cover; WY DOI fee schedule; NIPR Wyoming pages verified 2026-08-28
  • Is P&C one combined license, or split into Property and Casualty? tested
    BOTH, plus a third option — Wyoming offers a combined Property and Casualty exam (code 06), standalone Property (03) and Casualty (04) exams, AND a narrower Personal Lines exam (code 55). The DOI treats Property, Casualty and Personal Lines as a single application fee group.
    WY Insurance Licensing Candidate Handbook; WY DOI Producer Licensing verified 2026-08-28
  • Does the life license cover annuities? tested
    Yes — the Life line covers life insurance and annuities. VARIABLE life and variable annuities require the Life line plus FINRA registration (they are securities).
    Wyo. Stat. §26-9 verified 2026-07-17
  • Does the P&C license already include personal lines authority? tested
    Yes — holding the Property and Casualty lines covers personal-lines risks. Personal Lines Only is the NARROWER licence, not an add-on, and since all three sit in one application fee group the choice is about exam scope rather than cost.
    WY Insurance Licensing Candidate Handbook; WY DOI fee schedule verified 2026-08-28
  • Full list of exam-based agent license types tested
    Wyoming examines Life (01), Accident and Health or Sickness (02), Property (03), Casualty (04), Personal Lines (55), and the combined Life and Health (05) and Property and Casualty (06) papers, plus Credit (30), Crop (32), Variable Life and Variable Annuity (85), Title (83), Surplus Lines Broker (82), adjuster and consultant lines, and Pre-Need Funeral Limited Lines (92). Motor Club, Travel, Rental Car and Portable Electronic Device limited lines require no exam.
    WY Insurance Licensing Candidate Handbook pp.6-7 verified 2026-08-28
  • Exam administrator (Prometric / PSI / Pearson VUE) tested
    Pearson VUE administers Wyoming producer exams on behalf of the DOI, at a test centre or through OnVUE online proctored delivery. Every major line examination consists of TWO PARTS — a general section and a Wyoming state section — scored together as one paper, with no partial passes.
    WY Insurance Licensing Candidate Handbook p.11; Pearson VUE Wyoming insurance page verified 2026-08-28
  • Exam fee tested
    $96 for each single-line examination and $113 for the two combination papers (Life and Health, and Property and Casualty). These figures are printed in a candidate handbook with a January 2023 cover date and no newer fee source was located, so confirm at booking.
    WY Insurance Licensing Candidate Handbook, back cover verified 2026-08-28
  • License application fee tested
    $100 for a resident producer license ($150 for a nonresident)
    WY DOI verified 2026-07-17
  • Fee per insurer appointment tested
    Appointments are filed by the insurer through NIPR; Wyoming charges a per-appointment fee paid by the appointing insurer
    Wyo. Stat. §26-9; WY DOI verified 2026-07-17
  • Passing score tested
    70 percent of questions answered correctly. Wyoming uses a straight percentage, not a scaled score: the handbook says 'You need to answer 70% of questions correctly in order to pass the examination' and 'Examination scores are based on the number of questions answered correctly.' The word 'scaled' does not appear in the handbook.
    WY Insurance Licensing Candidate Handbook p.11 verified 2026-08-28
  • Minimum age to be licensed tested
    18
    Wyo. Stat. §26-9 verified 2026-07-17
  • Is pre-licensing education required? tested
    No education step appears in the licensure process. The DOI describes a three-step path — pass the exam, apply and pay the fees, get fingerprinted — and the candidate handbook does not mention prelicensing education anywhere. The DOI does note that it 'does not endorse any providers for pre-licensing education', acknowledging that optional courses exist.
    WY DOI Producer Licensing FAQ; WY Insurance Licensing Candidate Handbook pp.4-6 verified 2026-08-28
  • Pre-licensing hours and any exceptions (e.g. Title, adjusters) tested
    No hour requirement is published for any line. A study course is optional. The only stated prerequisite is 'Wyoming residents must pass an exam prior to applying for a license.'
    WY DOI Producer Licensing FAQ verified 2026-08-28
  • Fingerprints, state police report, or none tested
    A physical fingerprint CARD packet, mailed by the Department AFTER it receives your application. The DOI warns in capitals: DO NOT SEND IN YOUR FINGERPRINTS BEFORE YOU HAVE APPLIED — if there is no application on file the cards are destroyed. Required of Wyoming residents getting a licence for the first time; non-residents are expressly exempt.
    WY DOI Producer Licensing FAQ #8 verified 2026-08-28
  • Who takes the prints / issues the report tested
    The Wyoming Insurance Department itself mails the packet; there is no enrolment vendor, no appointment to book and no service code. The fee is $39, charged in addition to the licence fee, and processing usually runs 2 to 3 weeks from the day the Department receives the prints. No ORI number is published, and none is needed for a card-based process.
    WY DOI Producer Licensing FAQ #8; NIPR Wyoming resident page verified 2026-08-28
  • How long the background report stays valid tested
    Fingerprints are submitted with the initial resident application; a producer who stays continuously licensed is not re-fingerprinted at renewal
    WY DOI verified 2026-07-17
  • Deadline to apply after passing the exam tested
    The application process must be completed within ONE YEAR of passing the examination. Note this sentence appears only in the Pearson VUE candidate handbook, not on any DOI page.
    WY Insurance Licensing Candidate Handbook p.4 verified 2026-08-28
  • How long a passed exam remains valid tested
    Exam results are valid for 12 months from the date passed
    Wyoming Insurance Licensing Candidate Handbook verified 2026-07-17
  • Waiting period before retaking a failed exam tested
    You must wait 24 hours after a failed attempt before rescheduling, and pay the exam fee each attempt
    Wyoming Insurance Licensing Candidate Handbook verified 2026-07-17
  • Limit on number of attempts, if any tested
    No cap is published on test-centre attempts. ONLINE attempts are capped at TWO per exam: 'Candidates taking an online examination are allowed two attempts per exam. All subsequent examination attempts will have to be taken at a Pearson VUE testing center.'
    WY Insurance Licensing Candidate Handbook pp.8-9 verified 2026-08-28
  • Notice required to reschedule/cancel without forfeiting the fee tested
    Call Pearson VUE at 866-936-7786 at least 48 HOURS before the examination to change or cancel. With proper notice the fee transfers to a new reservation or is refunded; without it the examination fee is forfeited. An excused absence may be requested within 14 days for illness, death, traffic accident, court duty, military duty or a weather emergency.
    WY Insurance Licensing Candidate Handbook p.8 verified 2026-08-28
  • Where you apply (Sircon / NIPR / state portal) tested
    SIRCON — every Wyoming DOI licensing action links there: apply, check application status, renew or reinstate, print a licence, change an address, and look up CE transcripts. NIPR's named Wyoming role is the ATTACHMENT WAREHOUSE for background-disclosure documents, not the application itself. The DOI also posts fillable paper forms.
    WY DOI Licensing; WY DOI Producer Licensing FAQ verified 2026-08-28
  • Are temporary licenses available? tested
    Yes — 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
    Wyo. Stat. §26-9 verified 2026-07-17
  • Temporary license duration and training requirement tested
    Up to 180 DAYS, issued without examination, in four circumstances: to the surviving spouse or court-appointed personal representative of a producer who dies or becomes disabled; to a member or employee of a business entity on the death or disability of its designated individual; to the designee of a producer entering active military service; and where the commissioner deems the public interest will best be served. The commissioner may limit its authority and require a licensed SPONSOR who assumes responsibility for the temporary licensee's acts.
    W.S. 26-9-210 verified 2026-08-28