How Many Questions Are on the Wisconsin Life, Accident & Health Insurance Exam?

Search for how many questions are on the Wisconsin life and health insurance exam and most results either guess, average two different states' rules together, or quietly assume Wisconsin bundles Life and Accident & Health into one license the way several other states do. It doesn't. Wisconsin's Office of the Commissioner of Insurance (OCI) tests Life and Accident & Health as two completely separate exams, each built from its own PSI content outline, and — this is the part OCI states in writing, not something inferred — the agency has not prepared any study program of its own for either one. Its Candidate Information Bulletin says exactly that. This breakdown is sourced directly from that bulletin and from PSI's official Wisconsin Life (Series 22-01) and Accident and Health (Series 22-03) content outlines.

Wisconsin Tests Two Separate 100-Question Exams

OCI requires a passing exam score before it will issue an Intermediary (Producer) Individual license for any major line of authority, and Life and Accident & Health are licensed and tested independently. There's no exam code that combines them the way Missouri's exam code 54 does — a Wisconsin candidate who wants to sell both products sits for both exams and pays both fees.

Both exams also include a small number of unscored experimental items — typically 5 to 10 questions per exam, mixed in with the scored questions and not identified to the candidate. These exist so PSI can gather statistical data for future exam versions; they don't count toward your score, and there's no way to tell which questions on screen are experimental.

Where the 100 Questions Actually Go: Life Exam (22-01)

PSI's content outline for the Life exam breaks the 100 scored questions into eight weighted domains. Insurance Regulation — Wisconsin licensing statutes under ch. 628, marketing practice rules, and state regulation of insurers and producers — carries more weight than every product-knowledge domain combined.

Domain 1 alone is worth more than domains 3, 4, and 6 combined. Inside it, licensing (persons required to be licensed, license requirements, continuing education requirements, disciplinary actions, monetary forfeitures) and marketing practices (misrepresentation, false advertising, rebating, unfair discrimination, boycott/coercion/intimidation, illegal inducement) are each individually cited to specific Wisconsin statute sections — s. 628.34 for misrepresentation, s. 628.34(2) for rebating, ch. 626 subch. IV for agent compensation. A candidate who studies national life-product material and skips Wisconsin's statute-referenced regulation section is skipping over a third of the exam.

Where the 100 Questions Actually Go: Accident & Health Exam (22-03)

The Accident & Health outline carries the identical 35% Insurance Regulation weighting, then spreads the remaining 65 questions across eight product-specific domains, none of which exceeds 8%.

Because no single product domain exceeds 8%, the Accident & Health exam is structurally flatter than the Life exam, where Domain 5 (Policy Provisions, Options and Riders) alone carries 14%. That means A&H candidates can't concentrate their studying on one or two heavy-weighted product topics the way Life candidates might lean into policy provisions — the exam is deliberately spread across ten roughly-equal domains, from Medicare (8%) to Long-Term Care (8%) to Dental (4%), on top of the 45% shared between Insurance Regulation and General Insurance.

OCI Says It Directly: There Is No Official Study Program

This is the detail that makes Wisconsin different from states like Missouri, where DCI's candidate handbook still points to content outlines as "the basis for the exams" without much further comment. Wisconsin's Candidate Information Bulletin addresses the gap head-on, in its own Publications section: "OCI has not prepared any study programs or manuals for the product knowledge questions of the examination." The same section adds that "neither the Office of the Commissioner of Insurance nor PSI reviews or approves these study materials," and that any publisher list PSI provides for self-study "does not constitute a recommendation or endorsement."

OCI does publish two narrower documents worth knowing about, and neither substitutes for product-knowledge prep. The Wisconsin Intermediary's Guide was developed by OCI as a study guide specifically for the Wisconsin-law section of the exam — insurance concepts, state law, and ethics — and OCI states plainly that it "has not prepared any study program or manuals for the product knowledge questions of the exam," meaning the Guide covers roughly the 35-45% of each exam that touches Insurance Regulation and General Insurance, not the majority of the test. A separate Navigator Study Guide exists for the Individual Navigator license track, which is a different credential from the producer Life and A&H licenses covered here.

What Exam Day Actually Looks Like

PSI administers Wisconsin's exams both at physical test centers and through remote online proctoring, and the rules differ by delivery mode. At a test center, no personal items are allowed in the room — cell phones, watches, hats, bags, notes, and even wallets get stored in a locker — and candidates who leave the testing room during the exam may do so only to use the restroom, with proctor permission, and the exam clock does not stop. Remote-proctored candidates face a different set of restrictions: no scratch paper is allowed, candidates cannot change devices or locations mid-exam, and breaks are not permitted at all — OCI's bulletin advises that anyone who cannot complete the exam without a break should not register for the remote-proctored option. Before either format begins, an introductory computer tutorial (up to 15 minutes) walks through the interface and does not count against the 2-hour exam clock.

Score reporting is immediate: candidates see a pass/fail result on screen the moment the exam ends, with an emailed score report to follow that includes a diagnostic breakdown of strengths and weaknesses by domain for candidates who don't pass. That diagnostic — not a generic percentile — is the most direct signal PSI gives a retesting candidate about which of the ten Accident & Health domains, or eight Life domains, needs more study before the next attempt.

Prelicensing Education: 20 Hours Per Line

Before sitting for either exam, Wisconsin requires prelicensing education from an OCI-approved provider, and it's line-specific — 20 hours for Life, 20 separate hours for Accident & Health, 20 more for Property, and 20 more for Casualty if a candidate is licensing multiple major lines. Pre-licensing is not a preparatory course for the exam in OCI's own framing; it's a separate statutory requirement that happens to cover overlapping material.

Candidates who hold a two-year vocational insurance degree, a four-year business degree with an insurance emphasis, or one of several professional designations (CLU, ChFC, CFP, CIC for Life; RHU, REBC, HIA for Accident & Health) can request a prelicensing exemption using OCI's Prelicensing Exemption Request form, submitted with documentation of the qualifying credential.

Fingerprinting Is Mandatory Before You Can Test

Wisconsin requires a criminal background check through Fieldprint for every Intermediary Individual, Navigator, and Public Adjuster applicant — Public Adjuster and Certified Application Counselor licenses have different background-check rules, but the major producer lines all require it. Candidates schedule digital fingerprinting online using OCI's Fieldprint code (FPWIOCIInsurance), submit two forms of current signature ID, and pay $36 directly to Fieldprint. Results typically reach OCI electronically within 24 to 72 hours, and fingerprint clearance is valid for 180 days — which matters because the license application itself, submitted through NIPR after passing the exam, needs a 48-to-72-hour wait before it can be filed.

Continuing Education: 24 Hours, No Carryover

Once licensed, Wisconsin requires 24 credit hours of OCI-approved continuing education every two years for each resident intermediary licensed in a major line, with a minimum of 3 of those 24 hours covering insurance ethics — confirmed against OCI's Agent Continuing Education Requirements page. Unlike Missouri, Wisconsin does not allow excess credit hours to carry into the next reporting period, and the same course cannot be repeated within a single biennial period. Limited-line licensees are exempt from the CE requirement entirely.

Two other application details trip up candidates who assume the exam is the finish line. First, once an application is submitted to the state, Wisconsin gives candidates 90 days to supply any additional required information — failure to do so closes the application as expired, and application fees are non-refundable and non-transferable even in that case. Second, OCI reviews criminal background on an individual basis only after a candidate has passed the exam and completed every other licensing requirement; the agency does not pre-qualify applicants before testing, so a candidate with a background concern won't know how OCI will rule until after they've already paid for and passed the exam.

Put together, the two states' philosophies diverge in a way that matters for how a candidate should study: Missouri bundles Life and Health into one combined exam with a state-specific section layered on top of shared general knowledge, while Wisconsin keeps the lines fully separate, weights Insurance Regulation identically and heavily across both, and tells candidates outright that no official study program exists — leaving the content outline itself, not a state-issued guide, as the only authoritative map of what's actually being tested.