Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real Washington exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Washington licenses Life and Disability (Accident & Health) producers through PSI as separate 100-question exams (150 minutes, 70% to pass), with a combined Life & Disability exam also offered. Each exam combines general insurance knowledge with Washington insurance law (RCW Title 48). This bank covers the Washington law for both lines plus the general insurance content.
You need 70%. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Washington Insurance Code (RCW Title 48) for the state-law questions, with the statute section cited in each explanation.
The full Washington bank contains 954 questions (general insurance plus Washington law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
Naming a qualified charity as the owner and beneficiary of a life insurance policy may allow the donor to:
Why: Donating ownership of a policy to a charity can produce an income-tax deduction; the donor gives up control of the policy.
Under RCW 48.83.020, "long-term care insurance" is coverage advertised or designed to provide benefits for at least:
Why: RCW 48.83.020(5) defines long-term care insurance as coverage for at least twelve consecutive months for a covered person, provided outside an acute care hospital unit.
A 60-year-old annuity owner withdraws $5,000 of gain. Because the owner is past 59½, the withdrawal is:
Why: After 59½ the 10% premature-distribution penalty no longer applies; the gain is still ordinary income.
All of the following are true of the physical examination and autopsy provision EXCEPT:
Why: RCW 48.20.132 (Physical examinations and autopsy) gives the insurer the right at its own expense to examine and to make an autopsy; the insured does not pay for it.
Under RCW 48.17.490, renewal or other deferred commissions may be paid to a person no longer licensed if:
Why: RCW 48.17.490(3) allows renewal or deferred commissions to be paid if the person was required to be licensed and was so licensed at the time of the sale, solicitation, or negotiation.
Under RCW 48.24.150, when the age of a person insured under a group life policy is misstated, the policy must provide for:
Why: RCW 48.24.150 requires a provision specifying an equitable adjustment of premiums or benefits (or both) in the event the age or sex of an insured has been misstated.
An insurer organized under the laws of Germany seeks to do business in Washington. Under RCW 48.05.010, it is classified as:
Why: RCW 48.05.010 defines an alien insurer as one formed under the laws of a nation other than the United States.
A retiree takes a distribution from a traditional (qualified) 401(k). The distribution is:
Why: Pre-tax qualified plan distributions are fully taxable as ordinary income when received.
A 'corridor deductible' appears in supplementary major medical plans and is the amount:
Why: In a supplementary major medical plan, the corridor deductible is the gap the insured pays after basic benefits are exhausted and before major medical starts.
A modern whole life policy 'matures' (endows) when the:
Why: At the maturity age (commonly 121, formerly 100), the cash value equals the face amount and the policy endows, paying the face to a living insured.
RCW 48.23A.040 requires the numeric summary of a basic illustration to be shown for at least policy years:
Why: RCW 48.23A.040(3)(a) requires the numeric summary to be shown for at least policy years five, ten, and twenty and at age seventy, if applicable.
The minimum loss ratio required for group medicare supplement policies is:
Why: RCW 48.66.100 (Loss ratio requirements) sets a minimum loss ratio of 75 percent for group medicare supplement policies.
A fraternal society operates on the lodge system when it has a supreme governing body and subordinate lodges required to hold regular meetings at least:
Why: RCW 48.36A.020 requires subordinate lodges to hold regular meetings at least once each month in furtherance of the society's purposes.
Under RCW 48.43.035, a carrier may cancel or nonrenew a group health plan for all of the following EXCEPT:
Why: RCW 48.43.035(3) permits cancellation or nonrenewal only for specified reasons such as nonpayment, fraud, or material breach; a member's development of a costly health condition is not a permitted ground.
The standard notice of claim provision requires written notice of claim to be given to the insurer within how many days after the occurrence or commencement of a covered loss (or as soon as reasonably possible thereafter)?
Why: RCW 48.20.082 (Notice of claim) requires written notice within twenty days after the occurrence or commencement of loss, or as soon thereafter as reasonably possible.
Which annuity payout option pays the highest monthly income but stops at the annuitant's death with nothing to beneficiaries?
Why: Life-only (straight life) pays the most because payments cease at death with no survivor or refund feature.
A graded-premium whole life policy charges premiums that:
Why: Graded-premium whole life begins with low premiums that rise over an initial period before leveling, easing early affordability.
In a whole life policy, the 'net amount at risk' is the:
Why: The net amount at risk is the death benefit minus the accumulated cash value; it shrinks over time as the cash value grows toward the face amount.
All of the following are true of the individual policy available on conversion after termination of eligibility under RCW 48.24.180 EXCEPT:
Why: RCW 48.24.180 lets the individual choose any customary form EXCEPT term insurance, issued without evidence of insurability at the insurer's rate for the attained age.
Under RCW 48.84.060, prohibited practices for LTC producers include each of the following EXCEPT:
Why: RCW 48.84.060 bars completing the application's medical history, knowingly selling to a medicaid recipient, and unfair or deceptive marketing; recommending a rider is not prohibited.
Kevin is injured on March 3 under his individual disability policy. Setting aside the 'as soon as reasonably possible' allowance, by what date does the standard provision call for written notice of claim?
Why: RCW 48.20.082 (Notice of claim) sets a 20-day period; 20 days after March 3 is March 23.
Under RCW 48.44.370, a contractor need NOT offer a conversion contract to any of the following EXCEPT one who:
Why: RCW 48.44.370(2) lets a contractor decline to offer conversion to a person eligible for medicare, covered under another group plan, or terminated for misconduct; voluntary retirement is not an enumerated exception.
After Nadia's individual disability policy is reinstated, she develops an illness. Under the reinstatement provision, the reinstated policy covers loss from sickness only if the sickness begins:
Why: RCW 48.20.072 (Reinstatement) covers sickness only if it begins more than ten days after the date of reinstatement.
A temporary insurance license is most commonly issued to:
Why: Temporary licenses (no exam) let someone service an existing book when a producer dies, becomes disabled, or enters military service.
The Medicare Supplement (Medigap) open enrollment period:
Why: During the 6-month Medigap open enrollment (beginning at 65 and enrolled in Part B), insurers must issue any plan regardless of health (guaranteed issue).
A survivorship (second-to-die) life policy pays the death benefit when:
Why: Survivorship pays at the second death; it is common in estate planning to fund estate taxes.
A policy has a 60-day elimination period and a $4,500 monthly benefit. If the insured is disabled for 10 months, the approximate total paid is:
Why: The first ~2 months (60-day elimination) pay nothing; 8 months × $4,500 = $36,000.
A producer wants to thank clients who refer new business by giving each a $75 restaurant gift card, not conditioned on anyone buying insurance. Under RCW 48.30.133, this is:
Why: RCW 48.30.133 lets a producer give noncash gifts up to $100 in value per person in a 12-month period for referrals, provided the gift is not conditioned on applying for or obtaining insurance.
Under a Section 162 executive bonus plan, the employer:
Why: The employer pays a deductible bonus equal to the premium; the employee owns the policy and reports the bonus as taxable income.
An insurer files a producer appointment, but the commissioner finds the producer ineligible. Under RCW 48.17.160, the commissioner must notify the insurer within:
Why: RCW 48.17.160 provides that if the producer is determined ineligible for appointment, the commissioner shall notify the insurer within ten days of the determination.