What This License Is
A Wyoming Accident and Health or Sickness line of authority covers health, disability, Medicare supplement and long-term care products. It is issued by the Wyoming Insurance Department and examined as exam code 02.
Wyoming also offers a combined Life and Accident and Health or Sickness paper, exam code 05, at 150 questions in 2 hours 30 minutes for $113. Because the application fee covers a whole fee group — Life, Accident and Sickness, and Variable Life and Annuities together — adding the life line costs nothing extra in state fees. The Life & Health guide covers that comparison.
There is no pre-licensing education requirement. The Department's three-step path is exam, application, fingerprints.
Exam Options & Format
The examination is exam code 02: 100 questions in 2 hours at $96 on the handbook's fee table, in two parts — a General section and a Wyoming State section, scored together as one paper with no partial pass.
The content outlines effective July 31, 2025 give 50 scored plus 5 pretest on the general side and 35 scored plus 5 pretest on the Wyoming side. Those total 95 against the handbook's printed 100; the handbook carries a January 2023 cover date and the outlines January 2026, and neither document reconciles the two.
The passing standard is 70 percent of questions answered correctly — a true percentage, not a scaled score.
Wyoming candidates can sit this exam at a test centre or online with a live remote proctor. The next section covers what that involves and where its limits are.
Most Tested Topics on the Wyoming Health Exam
Wyoming enacts its required accident and sickness provisions as twelve separate statute sections, W.S. 26-18-105 through 26-18-116, referenced as a range by 26-18-104(a). They are neither numbered nor lettered inside a single section, so every provision carries its own cite:
| Concept | The Wyoming rule |
|---|---|
| Notice of claim, accident and sickness | 60 days after the occurrence or commencement of any covered loss, or as soon thereafter as is reasonably possible — W.S. 26-18-109. National material teaches 20 days; Wyoming is one of the states that does not |
| Time limit on certain defenses | 3 years from date of issue, after which no misstatements except fraudulent ones may void the policy or deny a claim. The alternative incontestable wording excludes any period during which the insured is disabled — W.S. 26-18-106 |
| Preexisting conditions | A preexisting-condition exclusion may not extend beyond 12 months after the effective date, and reaches only conditions for which advice, diagnosis, care or treatment was recommended or received in the 6 months immediately preceding — W.S. 26-18-106 |
| Grace period, tiered by premium mode | 7 days weekly premium, 10 days monthly premium, 31 days all other policies. Where the insurer has a non-renewal right it must give at least 5 days' written notice before the premium due date — W.S. 26-18-107 |
| Claim forms and deemed compliance | If the insurer does not furnish proof-of-loss forms within 15 days of the notice of claim, the claimant is deemed to have complied by submitting written proof of the occurrence, character and extent of the loss — W.S. 26-18-110 |
| Proofs of loss | 90 days after termination of the period for which the insurer is liable on a periodic-payment claim, or 90 days after the date of the loss otherwise — and, except in the absence of legal capacity, no later than one year from the time proof is otherwise required — W.S. 26-18-111 |
| Reinstatement, accident and sickness | On a conditional receipt, reinstatement occurs on the 45th day unless the insurer has already given written disapproval. The reinstated policy covers accidental injury sustained after that date and sickness beginning more than 10 days after it; premiums apply only to periods within 60 days before reinstatement — W.S. 26-18-108 |
| Time of payment of claims | Indemnities other than periodic payments are paid immediately upon receipt of written proof of loss; accrued periodic indemnities at intervals not less frequently than monthly — W.S. 26-18-112 |
| Legal actions | No action before 60 days after written proof of loss is furnished; none after 3 years from the time proof was required — W.S. 26-18-115 |
| Claim decision deadline | 45 days after receipt of proofs of loss and supporting evidence to reject or accept and pay — W.S. 26-15-124(a). For accident and health claims where validity or amount is questioned, an exception runs through the Wyoming state medical peer review committee; that exception does not reach life claims |
| Group continuation after termination | Up to 12 months, at not more than 102% of the group rate, elected in writing within 31 days of termination with the first contribution, and available only to someone continuously covered for the entire 3-month period ending with the loss of eligibility — W.S. 26-19-113 |
| Medicare supplement free look | 30 days from delivery, by RULE — the notice must be prominently printed on the first page — 044-2 Wyo. Code R. §35-17(a)(v) |
| Medicare supplement open enrollment | Six months beginning the first day of the first month in which the individual is both 65 or older and enrolled in Medicare Part B — Rule §35-11. Guaranteed issue for eligible persons is a separate section at §35-12 |
| Long-term care free look | 30 days from delivery — and this one is in the statute: W.S. 26-38-105(j), which adds that the premium is refunded within 10 days, excluding weekends and legal holidays, of the policy being returned |
| External review | Request in writing within 120 days of the insurer's written explanation; the independent review organization checks documentation completeness within 5 days and decides within 45 days; if the claim is allowed the insurer approves and notifies within 5 days — W.S. 26-40-201 |
Two numbers are where Wyoming departs from the national model, and both are on the claim timeline. Notice of claim is 60 days, not the model's 20 — this is probably the single most valuable fact on this page. And the time limit on certain defenses is 3 years, not 2. A candidate running on national material will answer both wrong and never know why.
Then the 15-day rule, which decides who loses. Proof of loss is due in 90 days under W.S. 26-18-111. But W.S. 26-18-110 says that if the insurer fails to furnish proof-of-loss forms within 15 days of the notice of claim, the claimant is deemed to have complied by submitting written proof of the occurrence, character and extent of the loss. Exam questions put the two together and ask what happens when the carrier sits on the forms.
And the continuation rule, where the number everyone quotes is not in the statute. W.S. 26-19-113 applies to a non-COBRA group policy — and it states no employer-size threshold at all. The familiar twenty-employee line is the federal COBRA boundary, which is what makes a plan "non-COBRA" in the first place. Wyoming's own numbers are 12 months, 102% of the group rate, a 31-day election window, and a requirement of continuous coverage through the entire three-month period ending with the loss of eligibility.
Taking the Wyoming Exam Online with OnVUE
Wyoming is one of the states where you do not have to drive to a test centre. Pearson VUE's OnVUE online proctored delivery is available for Wyoming insurance examinations, and in a state this large that matters more than it does elsewhere.
Look at the geography the alternative involves. Wyoming has eight in-state test sites plus two out-of-state ones, and only Cheyenne runs six days a week. Five of the eight Wyoming sites are open two days per month. Candidates in some parts of the state are served by centres in Billings, Montana and Pocatello, Idaho. The Property guide has the full list. For a candidate in a corner of the state during a two-day-a-month scheduling window, the online option is not a convenience — it is the difference between testing this month and next.
The two-attempt cap. This is the rule that most affects planning, and it is unambiguous: "OnVUE Retake Policy. 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." Two online tries, then you are in a car. Wyoming publishes no cap on test-centre attempts.
What you need. The handbook's OnVUE Testing block lists a quiet, private location, a reliable device with a webcam, and a strong internet connection. Pearson also publishes online-proctored orientation material, and the handbook links to it — worth working through before exam day rather than during check-in.
Getting your result afterwards. Score reporting differs by delivery mode and by date. For online exams — and for test-centre exams taken on or after February 17, 2023 — the score report is retrieved by signing in to your Pearson VUE account. For test-centre exams taken on or before February 13, 2023, the paper Duplicate Score Request form in the handbook's appendix applies. The Personal Lines guide covers what a Wyoming score report actually contains.
The honest limits of what is published. No document we could find states which specific exam codes are OnVUE-eligible, so confirm your line when you register. And the Department publishes no pass-rate tables or exam volume reports, so there is no regulator-side count of how many Wyoming exams are actually delivered online. The availability itself is well evidenced — the retake cap and the February 2023 score-retrieval cutover are operational rules that only exist because online delivery is live — but the finer detail is not published.
What It Costs
$96 to Pearson VUE for the Accident and Health exam, $100 to the Department with the application, and $39 for fingerprinting if you are a resident applying for the first time — about $235 all in, with no pre-licensing course to buy.
The combined Life and Health paper is $113. Taken separately the two exams are $192, and because both lines sit inside the same $100 application fee group, the combined route saves $79 in exam fees and earns a second line of authority.
Retakes are $96 each. Wyoming publishes no cap on test-centre attempts, but online attempts are capped at two.
Non-residents pay $150 for the application, are not fingerprinted, and satisfy continuing education through their home state.
Eligibility Requirements
You must be at least 18 years old, and residents must pass the Wyoming licensing examination for the lines of authority sought before applying. Wyoming's Department of Insurance describes a three-step path for residents — pass the exam, apply and pay the fee, then complete the fingerprint background check — with no pre-licensing course step in it.
A criminal record does not automatically bar a licence. The Department's FAQ addresses it directly, and an applicant answering yes to a background question uploads four items to the NIPR Attachment Warehouse: the original charging documents; final disposition documents including the judge's final order and any fines or sentencing; proof that all fines are paid and all sentencing including probation is complete; and a written explanation of the circumstances. Federal law at 18 U.S.C. 1033 separately requires written consent for anyone convicted of a felony involving dishonesty or breach of trust.
Keeping Your License Active
Important CE details: Twenty-four classroom hours in each two-year licensing period, three of them ethics. Credits above the 24 carry forward to the next term, capped at 12 and only if earned within 120 days of expiration, and carryover counts as general credit rather than ethics. There has been no continuing education fee since January 1, 2023, and the Department grants no extensions for any reason. Providers have 15 days to file completion certificates, so finish more than 30 days out.
Twenty-four classroom hours in each two-year licensing period, three of them ethics, renewing on the last day of your birth month. The Property & Casualty guide covers the mechanics.
Long-term care is where Wyoming differs from most states. Wyoming's own law prescribes no LTC producer training hour count — Title 26 chapter 38 contains no training section, and the Commissioner's long-term care rule has no Producer Training section, unlike the annuity rule which does. Do not assume the eight-hours-then-four pattern from other states applies here.
There is a training expectation attached to Partnership policies specifically, but it comes from a different direction: W.S. 42-7-103(b)(ii), in Title 42 rather than the insurance code, directs the agency — defined at W.S. 42-7-102 as the Department of Health — to assist the department, defined there as the Department of Insurance, on the department's role in assuring that anyone selling a qualified long-term care partnership policy receives training and demonstrates an understanding of such policies. That obligation originates in the federal Deficit Reduction Act, and no Wyoming hour count for it is published.
Annuities are the one clear training gate: a one-time four-credit Department-approved course under Rule §64-6, required before you may sell, solicit or negotiate an annuity.
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