West Virginia Insurance License
The West Virginia insurance license exam, in plain numbers.
Everything below is specific to West Virginia — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in West Virginia
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 100 | 70 | 70% | 30 |
| Life only | 90 | 63 | 70% | 27 |
| Health only | 90 | 63 | 70% | 27 |
Administered by Pearson VUE for the West Virginia Offices of the Insurance Commissioner. Time limit: published in the West Virginia Candidate Handbook; confirm when you schedule. Roughly 25 of the scored questions (25%) come from West Virginia law — the block national courses cover most lightly.
Prelicensing
20 hours of prelicensing education per line of authority. The certificate of completion, form PL 789E, is valid for SIX MONTHS and the original must accompany the license application.
Continuing education
24 hours including 3 hours of ethics, with product-specific training triggers for annuity suitability and other lines.
License term
renewed on the Commissioner's cycle
Regulator
The West Virginia Offices of the Insurance Commissioner oversees licensing, headed by an Insurance Commissioner leading the West Virginia Offices of the Insurance Commissioner.
West Virginia Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to West Virginia policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for West Virginia, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
West Virginia insurance exam questions, answered
How many questions are on the West Virginia insurance license exam?
The combined life and health exam has 100 scored questions. You need 70 correct to pass at 70%, which means you can miss 30.
What is the passing score for the West Virginia insurance exam?
70%. That works out to 70 correct answers out of 100 scored questions.
Who administers the West Virginia insurance license exam?
Pearson VUE, on behalf of the West Virginia Offices of the Insurance Commissioner.
Does West Virginia require prelicensing education?
20 hours of prelicensing education per line of authority. The certificate of completion, form PL 789E, is valid for SIX MONTHS and the original must accompany the license application.
How much continuing education does West Virginia require?
24 hours including 3 hours of ethics, with product-specific training triggers for annuity suitability and other lines.
Is there a West Virginia life-only or health-only exam?
Yes. Life only is 90 scored questions, 63 to pass, Health only is 90 scored questions, 63 to pass.
How much does a West Virginia study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the West Virginia Offices of the Insurance Commissioner.