Your Wyoming Life & Health license at a glance
The Wyoming Life & Health producer license lets you sell, solicit, and negotiate life insurance, annuities, and accident and health products across the Cowboy State. Wyoming keeps the path refreshingly short — there is no mandatory pre-licensing education, so the gate to licensure is the state exam itself.
Here's the whole route: pass the Pearson VUE exam with a 70% or better, apply through NIPR and pay the $100 resident fee, get fingerprinted on the card packet the Department mails you, and you're typically licensed within about 30 days. This guide walks every step and the Wyoming-specific law the Series 05 state section will test you on.
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.
Inside the Life & Health combination exam (Series 05)
The combination Life and Accident & Health or Sickness exam is 150 questions over 2.5 hours. It pairs three blocks: a Life General section (50 scored questions), a Health General section (50 scored questions), and a Wyoming Life & Health state-law section (35 scored questions). Each block also carries 5 unscored pretest items, which is how 135 scored questions become 150 on screen.
The General halves cover product knowledge you'd recognize anywhere — whole, term, universal and variable life; annuities; disability income; medical expense plans; Medicare and Medicaid; group versus individual; policy provisions, riders, and completing the application. The state section is where Wyoming-specific law lives, and it's the half most candidates underweight.
Scheduling, fees, and exam day
Pearson VUE administers every Wyoming insurance exam. Schedule online at the Wyoming insurance page or by phone, at least 24 hours before your desired date — walk-in exams are not offered. You can test at a Wyoming test center (Casper, Cheyenne, Evanston, Gillette, Laramie, Riverton, Rock Springs, Torrington) or remotely through OnVUE online proctoring.
The combination major-lines exam fee is $113, paid by card or voucher at the time of reservation; fees are never collected at the test center and are non-refundable. Arrive 30 minutes early with two forms of current signature ID — the primary must be government-issued with a photo. You leave the center with an official pass/fail score report in hand.
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.
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