- WYLH exam 05 has 150 questions (135 scored, 15 pretest) with a 70% passing threshold.
- You get 2 hours 30 minutes, and the fee is $113 through Pearson VUE.
- Wyoming statutes and rules make up 25.93% of scored content across Domains 10-12.
- No prelicensing course is required, but resident licensing needs fingerprinting ($39) and a $100 producer fee.
Exam Snapshot: The Numbers You Must Memorize
Before you touch a single practice question, lock in the core mechanics of the Wyoming Life & Health Insurance Producer Exam. These numbers are non-negotiable, and they show up in scheduling decisions, pacing strategy, and your mental math on test day. The Wyoming Department of Insurance oversees licensing, while Pearson VUE administers the actual exam, officially labeled exam 05: Life and Accident and Health or Sickness.
- Question count: 150 total multiple-choice questions - 135 scored, 15 unscored pretest items you cannot identify during the test.
- Time allowed: 2 hours 30 minutes.
- Passing score: 70% correct on the scored portion.
- Cost: $113 to sit for the exam.
- Delivery: Pearson VUE test centers or the OnVUE remote-proctoring option.
Because 15 of the 150 questions are unscored pretest items mixed invisibly into the exam, do not waste energy trying to guess which questions "don't count." Treat every question with equal seriousness. For a deeper breakdown of how the scoring threshold actually works in practice, see WYLH Passing Score 2026: Exactly What You Need to Pass.
Registration, Fees, and Licensing Mechanics
Passing the exam is only one step. Wyoming's resident licensing pathway has its own checklist, and missing a step here can delay your ability to legally sell life and health products even after you've already passed.
- Minimum age: 18 years old.
- Prelicensing education: Not required - you can sit for the exam without completing a course.
- Steps for resident applicants: pass the exam, submit your license application, and complete fingerprinting.
- Resident producer license fee: $100.
- Fingerprinting fee: $39.
- Deadline: Complete the full licensing process within one year of passing the exam, or your passing result no longer applies toward licensure.
Because there's no mandated prelicensing course, self-study carries more weight for WYLH candidates than it does for licenses that require classroom hours. If you're mapping out your prep timeline from scratch, the WYLH Study Guide 2026: How to Pass on Your First Attempt walks through a structured approach, and WYLH Requirements 2026: Eligibility, Prerequisites & How to Qualify covers eligibility details in more depth than this cheat sheet allows.
Key Takeaway
Schedule fingerprinting and your license application immediately after passing - the one-year clock starts the moment you clear the 70% threshold, not when you decide to apply.
All 12 Domains in One Quick Pass
The WYLH combines general life and health insurance knowledge with Wyoming-specific statutes. Twelve domains structure the entire exam, and combination sections are not passed separately - you need an overall passing score, not domain-by-domain minimums. Still, knowing where the content clusters helps you allocate study hours intelligently.
Domain 1: Types of Life Policies
Covers term, whole, universal, and variable life products.
- Distinguish permanent vs. term structures
- Understand cash value mechanics
Domain 2: Life Provisions, Riders, Options, and Exclusions
Focuses on how policy language modifies coverage.
- Know common riders (waiver of premium, accidental death)
- Understand nonforfeiture options
Domain 3: Completing the Application, Underwriting, and Delivering the Policies
Tests the practical workflow from application to delivery.
- Field underwriting responsibilities
- Conditional receipts and delivery requirements
Domain 4: Retirement and Other Insurance Concepts
Covers annuities and retirement-linked insurance products.
- Annuity payout options
- Qualified vs. nonqualified plans
Domain 5: Types of Health Policies
Individual, group, and specialty health products.
- Disability income basics
- Long-term care distinctions
Domain 6: Policy Provisions, Clauses, and Riders
Health-specific contract language and mandatory provisions.
- Uniform provisions law concepts
- Grace periods and reinstatement
Domain 7: Social Insurance
Public programs candidates must be able to describe accurately.
- Medicare Parts A, B, C, D
- Social Security disability basics
Domain 8: Other Insurance Concepts
Broader concepts that don't fit neatly into life or health silos.
- Group vs. individual coverage differences
- Coordination of benefits
Domain 9: Field Underwriting Procedures
Practical producer conduct during the sales and application process.
- Replacement rules
- Suitability considerations
For a full walkthrough of each domain with weighting context and study sequencing, see WYLH Exam Domains 2026: Complete Guide to All 12 Content Areas. That guide pairs well with this cheat sheet when you need more than a one-page refresher.
Wyoming Law Domains: The Heaviest Weight
Domains 10, 11, and 12 deserve special attention because, combined, Wyoming statutes, rules, and regulations account for 25.93% of scored questions - the single largest concentrated block on the exam relative to any other subject cluster.
Domain 10: Wyoming Statutes, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance
General regulatory framework applying across insurance lines.
- Producer licensing rules
- Unfair trade practices
Domain 11: Wyoming Statutes, Rules, and Regulations Pertinent to Life Insurance Only
Life-specific state law provisions.
- Free look and replacement statutes
- Beneficiary designation rules
Domain 12: Wyoming Statutes, Rules, and Regulations Pertinent to Accident and Health Insurance Only
Health-specific state law provisions.
- Mandated benefits under Wyoming law
- Health claim handling requirements
Test-Day Format and Rules
Understanding the delivery format prevents avoidable surprises. The WYLH is a fixed-form, multiple-choice exam - there's no adaptive difficulty shifting based on your answers, and you can move forward and backward within the test session.
- Delivery options: in-person at a Pearson VUE test center, or remotely via OnVUE.
- Combination scoring: life and health sections are not scored or passed independently - your result is a single combined pass/fail outcome.
- Retake rule: after two attempts taken online via OnVUE, any further attempts must be scheduled at a physical Pearson VUE test center.
- Time management: 2 hours 30 minutes for 150 questions leaves modest buffer time - use it for flagged review, not for lingering on any single item.
If you're unsure how far in advance to book your seat, especially around holidays or peak scheduling periods, WYLH Exam Dates 2026: Testing Windows, Deadlines & Scheduling covers timing considerations that this cheat sheet doesn't have room for.
Key Takeaway
If your first two attempts are online through OnVUE and you don't pass, plan your third attempt around test center availability in your area - it's mandatory, not optional.
Renewal and Continuing Education
Passing the exam and getting licensed is not the finish line. Wyoming producer licenses operate on a recurring cycle that requires ongoing education.
| Requirement | Detail |
|---|---|
| Renewal cycle | Every two years, on the last day of your birth month |
| Total CE hours | 24 hours per renewal period |
| Ethics hours | 3 of the 24 hours must be ethics-specific |
Building CE tracking into your calendar from the start of licensure avoids the last-minute scramble many producers face right before their birth-month deadline.
A Compressed Final-Week Review Plan
This is not a full study methodology - it's a targeted, last-mile review sequence built specifically around WYLH's domain structure and its heavy state-law weighting.
Life Fundamentals (Domains 1-4)
- Drill policy types, riders, and underwriting workflow
- Review annuity and retirement concept flashcards
Health Fundamentals (Domains 5-9)
- Compare individual vs. group health provisions
- Memorize Medicare parts and social insurance basics
Wyoming Law (Domains 10-12)
- Prioritize this block given its 25.93% scored weight
- Focus on licensing rules, mandated benefits, and replacement statutes
Full Simulated Review
- Run a timed 150-question practice session
- Review missed items across all 12 domains before test day
Run your final simulated session using a full-length timed set on the main practice test platform so the pacing under real time pressure feels familiar rather than jarring on exam day.
Who This Exam Actually Serves
The WYLH license opens doors with insurance carriers, independent agencies, and financial services firms operating in Wyoming that sell life insurance, health insurance, annuities, or supplemental coverage. Because there's no prelicensing course requirement, candidates range from career-changers to agency-sponsored hires studying independently before their start date.
If you're trying to decide whether the licensing investment makes sense for your goals, Is the WYLH Certification Worth It? Complete ROI Analysis 2026 and WYLH Salary Guide 2026: Complete Earnings Analysis look at the broader career picture. For the direct cost breakdown across exam fees, licensing fees, and fingerprinting, see WYLH Certification Cost 2026: Complete Pricing Breakdown. And once you're licensed, WYLH Jobs covers where producers typically find placement.
Whatever stage you're at, running consistent timed practice sets on our practice test platform is the fastest way to translate this cheat sheet's facts into exam-day recall.
FAQ
The exam has 150 total questions: 135 are scored and 15 are unscored pretest items you cannot distinguish during the test.
You need 70% correct on the scored portion of the exam to pass.
No. Wyoming does not require a prelicensing course for this exam, though many candidates still choose structured study materials.
After two online attempts, any subsequent attempts must be scheduled and taken at a physical Pearson VUE test center rather than remotely.
You must complete the full licensing process, including application and fingerprinting, within one year of passing the exam.