Free Washington Life Insurance Practice Exam Online

Correct answer: A. The insurance commissioner

RCW 48.17.090 assigns the commissioner the duty to find that an applicant is at least eighteen years old, has not committed a disqualifying act, has paid the required fee, and has passed the required examination before a license issues.

• B: The Bar Association has no role in insurance producer licensing; that authority rests with the insurance commissioner under RCW 48.17.090.
• C: County auditors handle recording and elections functions in Washington, not insurance producer licensing decisions.
• D: The NAIC is a national standard-setting body without direct statutory authority to license producers in Washington; that authority belongs to the state insurance commissioner.

Correct answer: B. 18 years old

RCW 48.17.090(2) requires the commissioner to find that the applicant is at least eighteen years of age before a license may be issued.

• A: Washington's producer licensing statute sets the minimum age at eighteen, not sixteen.
• C: RCW 48.17.090 does not set the threshold at twenty-one; the statutory minimum is eighteen years of age.
• D: RCW 48.17.090 explicitly conditions licensure on the applicant being at least eighteen years of age, so an age requirement does exist.

Correct answer: C. Pass a written examination covering the lines of authority sought, producer duties, and Washington insurance law

RCW 48.17.110 requires applicants to successfully pass an examination, developed under commissioner rule, that tests knowledge of the lines of authority applied for, the duties of producers, and Washington insurance statutes.

• A: RCW 48.17.110 conditions licensure on passing a written examination, not on securing peer recommendation letters.
• B: The statute requires a written examination process, not a personal oral interview with the commissioner.
• D: A bond requirement applies to certain producers who place business with insurers they are not appointed with, not as a precondition for taking the licensing exam.

Correct answer: D. For whatever time period the commissioner establishes by rule, unless it is suspended or revoked earlier

RCW 48.17.170(3) states that producer, title insurance agent, and adjuster licenses are valid for the time period established by the commissioner unless suspended or revoked at an earlier date, delegating the specific term to administrative rule.

• A: RCW 48.17.170 contemplates renewal procedures and expiration, so licenses are not issued for an unlimited, non-expiring term.
• B: The statute does not fix a five-year term; it leaves the specific license period to be set by the commissioner through rule.
• C: Washington producer licenses are not tied to the calendar year; their term is set by commissioner rule under RCW 48.17.170(3).

Correct answer: A. It is valid from issuance until the end of the licensee's next birth month plus one year

WAC 284-17-423(1) ties the individual license term to the licensee's birthday, providing that an initial or reinstated individual license runs until the end of the licensee's next birth month plus one additional year.

• B: That fixed two-year rule applies to business entity licenses under WAC 284-17-423(2), not to individual licenses, which are tied to the licensee's birth month.
• C: Washington does not use a flat calendar-year expiration for individual producer licenses; the term is anchored to the licensee's birth month.
• D: WAC 284-17-423 establishes a defined expiration date tied to the licensee's birth month, so the license does expire and must be renewed.