What This License Is
A Wyoming Accident & Health license lets you sell health, accident, disability, and related products to people and businesses in Wyoming. It is issued by the Wyoming Insurance Department.
Licensing runs through the same process as every Wyoming producer line — the difference is the focused Accident & Health exam.
Exam Options & Format
The Accident & Health exam is A&H or Sickness & Disability Producer (Exam 02, Pearson VUE): 100 total (85 scored + 15 pretest) questions, 2 hr, $96 per attempt. Passing standard: 70%.
Wyoming also offers the combined exam (Life & A&H/Sickness & Disability (Exam 05): 150 total (135 scored) questions, 2 hr 30 min, $113), which licenses both lines in one sitting. If there is any chance you will sell life or annuity products later, the combined exam is usually the better value.
Pre-licensing education: not required in Wyoming
Wyoming is one of the minority of states that does not require any pre-licensing education hours before you sit for the exam. You can legally schedule and take the Life and Accident & Health exam without a certificate of completion.
That said, the exam is real and it covers a lot of ground. Most candidates still work through a structured prep course — not to satisfy a state mandate, but because a 70% scaled passing score on a 150-question combination exam rewards organized study far more than cramming. Optional doesn't mean unimportant.
Wyoming life and annuity law you'll be tested on
The state section leans on Wyoming's standard policy provisions and replacement rules. Know the life and annuity standard provisions in Title 26, Chapter 16 — grace period, incontestability, misstatement of age, reinstatement, policy loan interest, and prohibited provisions — and the replacement regulation in Regulation Chapter 12, including the duties of the replacing agent and insurer.
Group life sits in Title 26, Chapter 17: eligible groups, required provisions, and the conversion privilege when coverage ends. Credit life and disability are governed by Title 26, Chapter 21 and Regulation Chapter 52. Variable life and variable annuity are a separate line entirely — selling them requires FINRA registration plus Series 6 or 7 and Series 63 on top of the Wyoming line.
Wyoming health mandates, Medicare Supplement, and state programs
Wyoming's accident and health rules carry several required coverages worth memorizing: diabetes treatment and supplies (26-20-201), newborn and adopted-child coverage (26-20-101 through 102), dependent-child and non-custodial-parent provisions, and substance-abuse treatment. Group health continuation and conversion rights live in 26-19-113.
Two state safety nets show up on the exam: the Wyoming Health Insurance Pool (26-43-103), the high-risk pool of last resort, and the Wyoming Child Health Insurance Program (35-25-101 through 108). The Wyoming Life & Health Insurance Guaranty Association backstops policyholders if an insurer becomes insolvent. Long-term care and Medicare Supplement each have their own outline of coverage, buyer's guide, free-look, and replacement standards.
Applying through NIPR and getting fingerprinted
Once you pass, apply for the resident license electronically through NIPR (or Sircon). The resident application fee is $100 plus a small NIPR transaction fee. You must apply within 12 months of passing the exam, and you must be a Wyoming resident at least 18 years old.
Fingerprinting works differently in Wyoming than in live-scan states. After the Department receives your application, it mails you a fingerprint card packet; the fee is $39 and the background check runs through the Wyoming Division of Criminal Investigation and the FBI. Processing usually takes 2-3 weeks, and the typical application-to-license turnaround is about 30 days.
Keeping your license: CE and biennial renewal
Wyoming licenses renew on a two-year cycle. Resident producers complete 24 hours of approved continuing education each cycle, at least 3 of which must be ethics, before filing the renewal through NIPR. The renewal fee is $100, with a $30 CE filing fee.
Watch the line-specific training rules tied to your Life and Accident & Health authority. Producers who sell long-term care must finish an 8-hour LTC course plus a 4-hour refresher every renewal period, and annuity and NFIP flood sales carry their own product-training requirements. Nonresident producers satisfy their home state's CE instead of Wyoming's.
Quick Reference
Official Links
Don't study generic. Study Wyoming.
You've got the roadmap. Now get the Wyoming-specific Health question bank, mock exams, and video course built by instructors with 20+ years teaching this material.