West Virginia Property Insurance Exam Practice
Pass your West Virginia property licensing exam on your first attempt. Practice with real exam-style questions, study explanations, and track your pass probability.
Taking the combined exam? We also offer a combined practice test on our West Virginia Property & Casualty Insurance Prep Hub.
Interactive Property Sample Questions
Try these 5 free sample questions below. Select an answer to see instant feedback and complete, structured explanations.
An applicant cannot negotiate the wording of an insurer's standard policy. If an ambiguity is disputed, which contract characteristic generally causes it to be construed against the insurer?
Frequently Asked Questions (Property)
Q:How do I pass the West Virginia Life, Annuities and Accident & Sickness insurance exam?
Start by reviewing the official West Virginia Offices of the Insurance Commissioner (OIC) candidate handbook and Pearson VUE examination content outline. Focus your study on life insurance policy provisions, health and disability income principles, annuities, and West Virginia-specific insurance statutes (WV Code Chapter 33). West Virginia does not require mandatory pre-licensing education hours, so thorough self-study using exam-style practice questions is essential. Take full-length 150-question practice tests under timed conditions (2 hours and 30 minutes) and aim to score consistently at 80% or higher before test day to maintain a comfortable margin above the 70% passing threshold.
Q:How many questions are on the West Virginia insurance exam and what score do I need to pass?
The combined West Virginia Life, Annuities, and Accident & Sickness examination consists of 150 multiple-choice questions with a time limit of 2 hours and 30 minutes (150 minutes). You must achieve a score of 70% or higher to pass. West Virginia also offers single-line examinations (Life-Only or Accident & Sickness-Only) with 75 questions and a 90-minute time limit. On the combined exam, you must answer at least 105 out of 150 questions correctly. Score reports are issued immediately upon completion at Pearson VUE test centers.
Q:What topics are covered on the West Virginia Life, Annuities and Accident & Sickness exam?
The examination is divided into five core sections: General Insurance Principles (~10%), Life Insurance Policies & Riders (~35%), Health & Accident Insurance (~28%), Annuities & Tax Treatment (~12%), and West Virginia Insurance Law & Ethics (~15%). The West Virginia-specific portion covers the authority of the Insurance Commissioner, producer licensing requirements under WV Code Chapter 33, biennial continuing education (24 hours with 3 hours Ethics), producer appointment and termination rules, replacement regulations (Form A/B disclosures), policy grace periods (31 days for life), free-look periods (10 days standard, 30 days LTC/Medicare), and the West Virginia Life and Health Insurance Guaranty Association coverage limits.
Q:How much does the West Virginia insurance exam cost and where do I take it?
The examination fee is $47 per attempt, paid directly to Pearson VUE when scheduling online or by phone. All West Virginia insurance examinations are in-person only and administered by Pearson VUE at authorized testing centers across West Virginia (including Charleston, Wheeling, Morgantown, Huntington, Hurricane, Princeton, Moundsville, Bridgeport, Martinsburg, Parkersburg, and Beaver). Additional licensing costs include a $50 electronic fingerprinting background check fee through Fieldprint/IdentoGO and a $100 initial resident producer license application fee paid to the West Virginia Offices of the Insurance Commissioner via NIPR or SBS. If you fail the exam, each retake requires paying the full $47 exam fee.
Q:What are the pre-licensing education and licensing requirements in West Virginia?
West Virginia does not require resident applicants to complete a mandatory pre-licensing education course prior to taking the licensing examination, though comprehensive self-study is strongly encouraged. To qualify for a resident producer license, you must be at least 18 years of age, pass the Pearson VUE state licensing exam, complete electronic fingerprinting for a state and federal background check, and submit a resident producer application with the $100 fee to the OIC via NIPR. Once licensed, producers must complete 24 hours of continuing education every 2 years, including at least 3 hours of approved ethics training, and notify the OIC of any address change within 30 days.
Q:What happens if I fail the West Virginia insurance exam?
If you fail the West Virginia insurance exam, you must wait at least 24 hours before scheduling a re-examination with Pearson VUE. There is no statutory limit on the number of retake attempts, but you must pay the full $47 exam fee for every attempt. Pearson VUE provides a diagnostic score report immediately following your exam showing your performance by topic section. Use this report to identify weak areas — particularly state-specific laws or annuity tax rules — and focus your review on those sections before taking the test again. We recommend retaking practice tests until you achieve scores of 85% or higher across all 5 sections.