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Open free WA Life & Disability Producer Combo exam prep resources ↗Exam facts & prep options
Washington Life and Disability Producer Combo Examination
The Life and Disability Producer Combo is the combined Washington state insurance licensing examination covering both the Life and the Disability (health) major lines of authority in one 150-item sitting; Washington's Office of the Insurance Commissioner contracts with PSI Services LLC to run the exam program, delivered at PSI test centers in Washington or by remote proctoring.
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Questions150 scored items; a small number of experimental unscored items (one to ten, generally about 10% of the question count) may also be administered and count against exam time
Testing time195 minutes
Scoring70% of questions correct to pass; the score is displayed on screen at the end of the examination and a pass/fail score report with diagnostics is emailed to the candidate
Exam feeUSD 55 examination fee for the Life and Disability Producer Combo (single-line Life or Disability exams are USD 38 each), paid to PSI by credit card at scheduling; fees are non-refundable and non-transferable
Prep options
Study resources for WA Life & Disability Producer Combo exam
Independent prep
Courses and study resources
Exam overview
What to know before choosing your prep
- Who runs it
- WA OIC
- Category
- Life & Health Insurance Licensing
- Current version
- Washington insurance examination content outlines effective April 1, 2026 (Candidate Information Bulletin last revised 8/3/2026)
- Where it applies
- US-WA, United States
- Exam languages
- English
- Testing provider
- PSI Services LLC
- Format
- Computer-based; candidate chooses a PSI test-center session at one of 10 Washington locations or a remotely proctored session (laptop/desktop required; from August 3, 2026 remote tests also require a smartphone as a second camera)
- Availability
- Year-round by appointment at PSI test centers or by remote proctoring; appointments may be cancelled/rescheduled without forfeiting the fee only with notice 2 days before the scheduled exam date
- Results
- Score displayed on screen immediately at the end of the exam; an emailed pass/fail score report follows (failing reports include diagnostics by examination type)
- Score validity
- All license application requirements (application/fees, fingerprints, conviction documentation) must be submitted within 180 days of passing, or the examination must be retaken
- Remote testing
- Available
Exam structure
One 150-item computer-based exam in a single sitting covering: Federal Laws and Regulations (3 items), Washington Laws Rules and Regulations (45 items), General Insurance Concepts (6), Life Accident and Health Insurance Basics (20), Types of Life Insurance Policies (12), Life Insurance Policy Provisions Options and Riders (17), Annuities (6), Individual Accident and Health Policy Provisions (10), Disability Income and Related Insurance (5), Medical Plans (13), Group Health Insurance (3), Health Insurance for Senior Citizens and Special Needs Individuals (5), and Federal Tax Considerations for Life and Health Insurance (5). All items are multiple choice delivered by computer.
Where rules vary
Washington state producer licensing examination for the Life and Disability (health) lines of authority under the Revised Code of Washington Title 48 and Washington Administrative Code Title 284; delivered at 10 PSI test centers in Washington or by remote proctoring
Eligibility
Washington residency requirements: 18 years of age and trustworthy/competent; pre-licensing education is NOT required (OIC: 'Effective July 23, 2023, Washington will no longer require pre-licensing education to take your insurance exam'); the license application and fingerprinting happen after passing, not before
Retake policy
No limit on attempts, but a new appointment cannot be made on the same day as a failed attempt (earliest next-day rebooking); each retake requires a new exam fee, which is non-refundable and non-transferable