Free Washington Personal Lines Practice Exam Online

Correct answer: D. 24 credit hours

This is correct because WAC 284-17-224 requires 24 credit hours of approved insurance continuing education during each license continuation period.

• A: This is incorrect because 12 credit hours is fewer than the number actually required by WAC 284-17-224.
• B: This is incorrect because 16 credit hours is fewer than the number actually required by WAC 284-17-224.
• C: This is incorrect because 30 credit hours is more than the number actually required by WAC 284-17-224.

Correct answer: A. Property and casualty insurance coverage sold to individuals and families for primarily noncommercial purposes

This is correct because RCW 48.17.170(1)(f) defines personal lines as property and casualty coverage sold to individuals and families for primarily noncommercial purposes.

• B: This is incorrect because commercial property and casualty coverage sold to a business entity falls under the general property and casualty lines, not personal lines.
• C: This is incorrect because life insurance and annuities are addressed under the separate "life" line of authority in RCW 48.17.170(1)(a).
• D: This is incorrect because title insurance is licensed as a distinct title insurance agent authority, not as a personal lines line of authority.

Correct answer: B. Writing a commercial general liability policy for a small retail business

This is correct because commercial general liability coverage for a business is not sold to an individual or family for primarily noncommercial purposes, so it falls outside personal lines and requires the property and/or casualty line instead.

• A: This is incorrect because a renters policy for an individual tenant is noncommercial property coverage sold to an individual, which personal lines authorizes.
• C: This is incorrect because a homeowners policy on a family residence is exactly the type of noncommercial, individual-and-family coverage that personal lines authorizes.
• D: This is incorrect because a personal auto policy for a family vehicle is noncommercial coverage sold to an individual, which is within the personal lines authority.

Correct answer: C. Whether the coverage is sold to individuals and families for primarily noncommercial purposes

This is correct because the statutory text ties the personal lines classification to the buyer (individuals and families) and the noncommercial purpose of the coverage, not to premium size, ownership status, or insurer type.

• A: This is incorrect because whether the insured owns or rents the property affects the type of policy form used, not whether the line of authority is classified as personal lines.
• B: This is incorrect because admitted versus surplus lines status of the writing insurer is unrelated to the line-of-authority classification under RCW 48.17.170.
• D: This is incorrect because the premium amount is not a factor in the statutory definition of personal lines coverage.

Correct answer: D. 18 years of age

This is correct because RCW 48.17.090(2)(a) requires the commissioner to find that the applicant is at least eighteen years of age before issuing a resident producer license.

• A: This is incorrect because 16 is below the statutory minimum age set in RCW 48.17.090(2)(a).
• B: This is incorrect because 19 is higher than the age actually required by the statute.
• C: This is incorrect because 21 is higher than the age actually required by the statute.