What This License Is
The Wyoming Property and Casualty route earns both lines through a single combined examination — exam code 06, 150 questions in 2 hours 30 minutes at $113.
It is the efficient path. The two single papers are $96 each, and the Department's application fee covers the whole group — "Property, Casualty, or Personal Lines (any combination)" — at one $100 for residents. Holding all three costs no more in state fees than holding one.
The one real risk is that partial passes are not permitted: fail part of a combination exam and the entire paper is retaken.
There is no pre-licensing education requirement for any Wyoming line.
Exam Options & Format
The combined paper is code 06: 150 questions, 2 hours 30 minutes, $113. The content outlines effective July 31, 2025 show it carries two general sections — one for Property and one for Casualty, at 50 scored plus 5 pretest each — and a single Wyoming state section at 35 scored plus 5 pretest.
The passing standard is 70 percent of questions answered correctly, applied to the whole paper. The handbook is explicit that "at least a 70% must be achieved on the entire combination examination in order to be licensed in that line of authority."
Online proctored delivery is available through OnVUE, capped at two attempts per exam — see the Health guide. Test-centre geography is covered in the Property guide, and it is worth reading before you plan: only Cheyenne runs six days a week.
Most Tested Topics on the Wyoming Property & Casualty Exam
The combined paper reaches the regulatory material the single-line exams touch more lightly — insurer insolvency, producer conduct, and what a producer may lawfully give a client. Several of these figures are genuinely not the model figures:
| Concept | The Wyoming rule |
|---|---|
| Guaranty obligation, three limbs | Workers' compensation covered claims are paid in full; unearned premium returns are capped at $7,500 per policy; and $300,000 applies to each covered claim other than workers' compensation and unearned premium — W.S. 26-31-106(c)(i)-(iii) |
| No net worth exclusion, no deductible | Wyoming's P&C association has neither — a divergence from the NAIC model, which carries a net-worth exclusion and a per-claim deductible. The "covered claim" definition at W.S. 26-31-103 sets no dollar floor and no cap |
| What the association does not cover | Reinsurer, insurer or pool subrogation recoveries; amounts exceeding policy limits; supplementary obligations including adjustment fees, attorney fees, court costs, interest and bond premiums; punitive or exemplary damages unless specifically named as covered risks; and incurred-but-not-reported damages — W.S. 26-31-103 |
| Date qualifiers, three different anchors | Claims existing prior to the insolvency determination and arising within 30 days after it; or arising before policy expiration where they arise less than 30 days after the determination; or before the insured replaces the policy or causes its cancellation, which replacement or cancellation occurs within 30 days of the determination. The same 30 days anchors to three different events — W.S. 26-31-106(a)(i) |
| Claim filing cut-off | The earlier of the final date set by the court for filing claims against the liquidator, or 25 months after the date of the order of liquidation — W.S. 26-31-111(c) |
| Which association pays first | The association of the insured's place of residence — except a first-party claim for damage to property with a permanent location, which goes to the association of the property's location, and a workers' compensation claim, which goes to the association of the claimant's residence — W.S. 26-31-111(b) |
| Recoupment differs by association | P&C insurers recoup guaranty assessments through rates (W.S. 26-31-115); life and health insurers get premium tax offsets (W.S. 26-42-111) |
| Advertising the guaranty association | The prohibition exists in the Life and Health chapter only, at W.S. 26-42-116, binding "No person including a member insurer, agent or affiliate of an insurer." Chapter 31 has no counterpart section |
| Unfair claims settlement practices — seventeen | W.S. 26-13-124(a) enumerates seventeen practices at roman-numeral paragraphs (i) through (xvii). The NAIC model has fourteen; Wyoming adds three external-review items at (xv), (xvi) and (xvii), all cross-referencing W.S. 26-40-201 |
| The standard is disjunctive | A person is engaged in an unfair practice if that person "commits or performs with such frequency as to indicate a general business practice" any of the seventeen — W.S. 26-13-124(a). A single commission suffices under the first limb |
| Civil penalties — and a lower ceiling for producers | $5,000 per offense / $50,000 aggregate in any one-year period generally, but $1,000 per offense / $10,000 aggregate for individual agents or adjusters — W.S. 26-1-107(b). The criminal penalty for a code violation with no greater penalty specified is a fine of not more than $1,000 and up to 6 months in county jail (26-1-107(a)) |
| The $500 that is not a fine | The commissioner may levy "the reasonable costs of investigation and administrative proceedings, not to exceed five hundred dollars" against a person against whom action has been taken — W.S. 26-9-211(d). It is cost recovery, not a penalty |
| Grounds for licence action — thirteen | Thirteen grounds at roman-numeral paragraphs W.S. 26-9-211(a)(i) through (xiii), under which the commissioner may place on probation, suspend, revoke or refuse to issue or renew, or levy a civil penalty, or any combination |
| Rebate thresholds — in the statute, not the rules | Non-cash gifts, items or services may not exceed $100, or 5% of the written premium (current customers) or quoted premium (prospective customers), capped at $1,000, per customer per calendar year — W.S. 26-13-110(c)(i)(A) for current customers on written premium and (c)(i)(B) for prospective customers on quoted premium. A raffle or drawing may not exceed $100 in total value (c)(ii) |
| Appointment and termination clocks | An insurer files a notice of appointment within 15 days of the earlier of contract execution or first application submitted (W.S. 26-9-213(b)), with an annual continuation fee due on or before March 31 (e). On termination: insurer to commissioner within 30 days of the effective date; insurer to producer within 15 days of that notification; producer may file written comments within 30 days of receiving it — W.S. 26-9-214 |
| Reporting of actions, two triggers | Administrative actions within 30 days of the final disposition; criminal prosecutions within 30 days of the initial pretrial hearing date — W.S. 26-9-216 |
| Premium trust — the days are in the rule | Premiums are trust funds held in a fiduciary capacity in a separate account, not commingled (W.S. 26-9-229). The clocks are in Rule §46-4: into the trust account by the close of the 5th business day after receipt; to the insurer by the contractual due date or within 45 days of receipt if there is none; and return premium to the insured by the close of the 5th business day after receipt |
The guaranty limits are in a different section from the definition, and they are not uniform. W.S. 26-31-103 defines "covered claim" and sets no dollar figure at all; the limits live at 26-31-106(c), and they run three ways — workers' compensation in full, unearned premium at $7,500 per policy, and $300,000 for everything else, with that limb expressly excluding the first two. Wyoming also has no net-worth exclusion and no per-claim deductible, both of which the NAIC model carries.
Wyoming counts seventeen unfair claims settlement practices, not fourteen — it added three external-review items cross-referencing the external review statute. And the standard is disjunctive: a person qualifies who "commits or performs with such frequency as to indicate a general business practice." A single act reaches the first limb. Saying Wyoming requires a general business practice is wrong.
And the penalty a producer actually faces is the smaller of two numbers. W.S. 26-1-107(b) sets $5,000 per offense with a $50,000 annual aggregate generally — but $1,000 per offense with a $10,000 aggregate for individual agents and adjusters. Meanwhile the $500 that appears in the producer-licensing chapter is not a fine at all: it is reimbursement of the Department's investigation and administrative costs.
Moving to Wyoming and Non-Resident Licensing
### The non-resident route, and the waiver that comes with it
A non-resident must hold a producer licence in their resident state first — that is the gate. The Wyoming fee is $150 for the application and $150 for renewal, with most limited lines and specialty limited lines are $20 per line of authority for an individual — but Credit is $100, and the firm fee is $100 on every limited line.
The examination is waived, on two conditions. The handbook states it precisely: "Examinations for any lines of authority (except adjusters not licensed in the home state) will be waived for a nonresident insurance producer license, provided that: 1) the application is for the same line of authority held in the applicant's home state and 2) the applicant's home state grants a waiver of examination to Wyoming resident insurance producers."
Read both conditions. It is not enough that you hold a licence somewhere — it must be the same line of authority, and your home state must reciprocate for Wyoming residents. And note the parenthetical: adjusters not licensed in their home state are outside the waiver.
This waiver does nothing for a Wyoming resident. It is a non-resident provision. A resident sits the exam.
Non-residents are not fingerprinted. The Department says so affirmatively: "There is no fingerprinting requirement for non-residents." That, plus the absence of an exam in most cases, is why the Department reports that many non-resident applications are approved the same day, against a typical 30-day turnaround for residents.
Continuing education transfers completely. "Non-residents are required to comply with their home state's continuing education requirements. There is no additional continuing education requirement in Wyoming for non-resident individuals." Satisfy your own state and Wyoming is satisfied.
Variable authority requires a FINRA CRD number on the application, resident or not.
### Moving into or out of Wyoming
The Department's FAQ addresses relocation directly, and the mechanism is a letter of clearance from your former resident state plus contact with the new state's insurance department.
What it does not give you is a deadline. Many states impose a 90-day window from the cancellation of a prior resident licence, after which the exam waiver evaporates. No such number is published on any Wyoming source we could reach — not in the FAQ, not on the licensing pages. That is worth knowing in both directions: do not assume you have 90 days, and do not assume you have unlimited time. If you are moving, ask the Department what applies to your situation rather than importing another state's rule.
### One conflict worth carrying
NIPR's Wyoming resident page marks Credit and Title as not requiring an examination. The candidate handbook lists both under Licenses that Require Exams — Credit at code 30 and Title at code 83 — and the Department's own limited-lines page says Credit requires an exam. Two primary sources beat a summary table: treat Credit and Title as exam-required and confirm with the Department before relying otherwise.
Renewing a Wyoming Producer License
"Your license renews every two years on the last day of the month of your birthday." That is the Department's own sentence, and the cycle is anchored to your birth month rather than to your issue date.
The Department's worked example is useful: a licensee with a July 4 birthday, approved December 6, 2021, first renews July 31, 2023, then July 31, 2025, and biennially after that. So the first term runs from issue to the first birth-month anniversary that is at least a full cycle out — not a clean two years from approval.
Renewal invoices go to the business email on file 90 days before, and fees are payable from 90 days before the renewal date. Renewal, like everything else, runs through Sircon.
### Continuing education
24 classroom hours in each two-year licensing period, at least 3 of them ethics — W.S. 26-9-231. The requirement reaches Wyoming resident producers, adjusters, consultants, public adjusters, title agents, crop agents and adjusters designating Wyoming as their home state.
Carryover, with three conditions. Effective January 2023, credits earned above the required 24 may be carried forward to the next renewal term — but they must be completed within 120 days of expiration, they are capped at 12 credits, and carryover counts as general credit only, never as ethics.
No fee. "As of January 1, 2023 there is no longer any continuing education fee assessed to licensees by the Wyoming Department of Insurance."
And no extensions, ever. "No. The Wyoming Department of Insurance does not approve extensions to comply with the continuing education requirement for any reason." That is unusually absolute, and it is why the filing margin matters: providers have 15 days to file completion certificates, and the Department advises finishing more than 30 days before expiration.
Non-residents owe no Wyoming CE at all — home-state compliance governs.
### If you miss the deadline
There is no graduated ladder here. There is one tier and then a cliff.
For one year after the missed renewal date you may reinstate, on completion of your continuing education and payment of a late fee equal to 100 percent of the renewal amount — so a resident pays $100 plus $100, and a non-resident $150 plus $150. NIPR's $150 non-resident reinstatement fee corroborates the doubling.
Reinstating does not reset your cycle. "Reinstated licenses will have the same expiration date as if they were renewed on time" — you buy back the licence, not the time.
After one year, the licence is gone. Full reapplication is required, meeting all licensing requirements — which for a resident means re-taking the examination and being re-fingerprinted. That is the strongest practical argument for treating the birth-month date as immovable.
### Appointments and the duties that ride with the licence
Appointment is required to act as an insurer's agent, not to hold a licence. W.S. 26-9-213(a): "An insurance producer who is not acting as an agent of an insurer is not required to become appointed." The insurer files the notice within 15 days of the earlier of the agency contract being executed or the first application being submitted, and pays an annual continuation appointment fee on or before March 31.
On the way out, W.S. 26-9-214 runs three clocks in three directions: the insurer notifies the commissioner within 30 days of the effective date of termination; mails you a copy within 15 days of that notification; and you may file written comments within 30 days of receiving it.
Two reporting duties you owe personally under W.S. 26-9-216, both 30 days but from different triggers: administrative actions within 30 days of the final disposition, and criminal prosecutions within 30 days of the initial pretrial hearing date.
And keep your records for three years. W.S. 26-9-228(c) requires a complete record of transactions at your place of business, showing insurer and insured names, policy number, expiration date and premium payable, kept available for inspection for at least three years after completion of the transactions. Premium money is trust money in a separate account (W.S. 26-9-229), and the clocks for moving it are in Rule §46-4 — five business days into trust, contractual due date or 45 days to the insurer, and five business days back to the insured.
What It Costs
$113 to Pearson VUE for the combined paper, $100 to the Department with the application, and $39 for fingerprinting for a first-time resident — about $252 for both lines.
The two single papers are $96 each, so $331 for the same result separately. And because the $100 application fee covers Property, Casualty and Personal Lines together, adding lines inside that group later costs nothing further in state fees.
Ongoing, the licence costs $100 every two years for a resident. Reinstating late costs $200 — the renewal plus a penalty equal to 100 percent of it. There is no continuing education fee on the producer lines — note that the Department's Title Agents page still states a $30 continuing education fee per renewal, which is a title-line figure, not a producer one.
Non-residents pay $150 initially, $150 to renew and $150 to reinstate, and owe no Wyoming CE.
Most limited lines and specialty limited lines are $20 per line of authority for an individual — but Credit is $100, and the firm fee is $100 on every limited line, residents and non-residents alike.
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 per two-year licensing period including three ethics hours, on the birth-month cycle. The renewal section above covers the mechanics in full — the 12-credit carryover cap, the 120-day condition, the absence of any fee, the absolute no-extensions rule, and the one-year reinstatement cliff.
Property and casualty producers carry no product-specific training gate; the four-credit annuity course attaches to the life line, and Wyoming prescribes no long-term care training hour count of its own. If you add those lines later, the Life & Health guide covers what comes with them.
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