Life, Accident & Health Insurance Producer License (WI)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

TL;DR

Life, Accident & Health Insurance Producer License (WI): a 25-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 25 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily Wis. Stat. (36%) and Wis. Admin. Code Ins (36%) of this exam's citations.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.

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3

full papers, no repeats

25

questions per paper

25

questions in the bank

What this exam covers

Annuities4%
Annuity Surrender Charges4%
Cobra And Continuation4%
Continuing Education4%
Disability Income Insurance4%
Group Vs Individual Life4%
Health Claims Processing4%
Health Fundamentals8%
Health Policy Provisions4%
Health Taxation4%
Licensing Framework4%
Life Fundamentals4%
Life Policy Provisions4%
Life Settlement Viatical4%
Medicare Advantage4%
Prelicensing Education4%
Underwriting Classifications4%
Wi Consumer Complaints4%
Wi Fraud And Suitability4%
Wi Insurable Interest4%
Wi License Appointment8%
Wi Replacement Rules4%
Wi Standard Nonforfeiture4%

5 real sample questions

A Wisconsin producer holding both the Life line and the Accident and Health or Sickness line of authority is generally authorized to sell:

A. Only auto and homeowners insurance

B. Life insurance and annuity products, along with health, disability, and accident/sickness-related products, but not property/casualty products such as auto or homeowners without the Casualty line

C. Only title insurance

D. Only surplus lines commercial property risks

Source: Wis. Stat. § 628.03; OCI Types of Licenses guidance

An applicant pursuing both the Life and Accident and Health lines of authority concurrently in Wisconsin, within the same 12-month period, must generally complete a total of how many prelicensing education hours?

A. 32 hours: 8 hours of general education completed once, plus 12 hours of Life-specific content, plus 12 hours of Accident and Health-specific content

B. 8 hours total, with no line-specific content required for either line

C. 120 hours regardless of timing

D. 40 hours, because the 8-hour general education component must be completed separately for each of the two lines

Source: Wis. Admin. Code Ins 26.04

A Wisconsin producer holding both Life and Accident and Health lines must complete continuing education biennially in the amount of:

A. 24 hours total (not 24 hours per line), including at least 3 hours of ethics, since Wisconsin's CE requirement is not separately multiplied per line held

B. 48 hours, doubled because two lines are held

C. 12 hours total with no ethics requirement

D. There is no CE requirement once both lines are held simultaneously

Source: Wis. Admin. Code Ins 28.05

Which life insurance product type combines a death benefit with a flexible premium structure and an investment/interest-crediting cash value component, allowing the policyowner to adjust premiums and death benefit within policy limits?

A. Term life insurance

B. Universal life insurance

C. Credit life insurance

D. Group term life insurance only

Source: General life insurance principles (industry-standard content)

A 'preferred provider organization' (PPO) health plan generally allows insureds to:

A. Only receive coverage if they see a Primary Care Physician who issues referrals for all specialist care

B. See any provider, but receive a higher level of benefits (lower out-of-pocket cost) when using in-network providers compared to out-of-network providers

C. Never receive any coverage for out-of-network care under any circumstance

D. Only use providers located within their home county

Source: General health insurance principles (industry-standard content)

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WV

Real-world data for this exam

Insurance Sales Agents: real median wage (WI)May 2025$79,450/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life, Accident & Health Insurance Producer License (WI) practice test?

25 questions total, split into 3 full papers of 25 each with no repeats across papers.

What topics does the Life, Accident & Health Insurance Producer License (WI) test cover?

23 domains, with the heaviest weight on Health Fundamentals (8%), Wi License Appointment (8%), and Annuities (4%).

Where do CertQuestUSA's Life, Accident & Health Insurance Producer License (WI) questions come from?

Primarily Wis. Stat. (36%) and Wis. Admin. Code Ins (36%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Life, Accident & Health Insurance Producer License (WI)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.