WASHINGTON LAWS AND RULES PERTINENT TO
INSURANCE EXAM (2025/2026)
Actual Exam | Washington State Insurance Regulations | Office of the
Insurance Commissioner
Overview
This 2025/2026 validated resource contains the complete Washington Laws and Rules
Pertinent to Insurance Exam with actual questions and verified answers, directly aligned
with current Washington State Office of the Insurance Commissioner requirements.
Essential for insurance professionals preparing for state licensing and demonstrating
comprehensive knowledge of Washington-specific insurance laws, regulations, and ethical
standards.
Key Features
✓ 75-Question Comprehensive Exam matching Washington state format
✓ Washington Insurance Code with regulatory applications
✓ Consumer Protection Laws with compliance requirements
✓ Updated 2025/2026 Washington State insurance regulations
✓ Ethical Standards & Professional Conduct with disciplinary procedures
Content Domains
• Washington Insurance Code Provisions (18 Questions)
• Producer Licensing & Regulation (16 Questions)
• Policy Forms & Provisions (14 Questions)
• Claims Handling & Settlement (12 Questions)
• Unfair Trade Practices (10 Questions)
• Disciplinary Actions & Penalties (5 Questions)
Answer Format
Verified correct answers in bold green with:
• Washington statute citations
• Regulatory requirement justifications
• Ethical standard applications
• Compliance procedure rationales
Critical Updates 2025/2026
NEW - Updated data security and privacy requirements
UPDATED - Producer continuing education standards
REVISED - Claims handling timeframes
MODIFIED - Advertising and marketing restrictions
WASHINGTON INSURANCE CODE PROVISIONS (Questions 1–18)
, 1. The Washington Insurance Code is codified in which RCW title?
a) Title 39
b) Title 48
c) Title 42
d) Title 51
Rationale: All insurance statutes are consolidated under Title 48 RCW.
2. The Office of the Insurance Commissioner (OIC) is headed by?
a) Appointed director
b) Elected commissioner (4-year term)
c) Governor ex officio
d) Legislative committee
Rationale: Constitutional provision (Art. III § 19) mandates elected commissioner
independent of governor.
3. Maximum annual contribution to the Washington Life & Disability Insurance
Guaranty Association per insolvency is?
a) $100,000
b) $300 per assessed insurer
c) Unlimited
d) $50,000
Rationale: RCW 48.32.070 caps annual assessment at $300 per member company
per insolvency.
4. A domestic insurer is defined as?
a) Licensed in WA but incorporated elsewhere
b) Incorporated under Washington laws
c) Only sells surplus lines
d) Federal insurer
Rationale: Domestic status depends on state of incorporation, not licensing.
5. The Commissioner must examine domestic insurers at least every?
a) 10 years
b) 5 years
c) 2 years
d) Annually
Rationale: RCW 48.03.170 requires examination at 5-year intervals unless
circumstances warrant sooner.
6. Notice of proposed rulemaking must be published at least?
a) 10 days prior
b) 20 days prior
c) 30 days prior
d) 60 days prior
Rationale: Administrative Procedure Act (RCW 34.05.320) mandates 20-day
minimum notice.
7. Insurer holding company filings must include?
a) Only annual statement
b) Form A (acquisition), Form B (amended), Form C (enterprise risk)
c) Federal tax return
d) Marketing budget
Rationale: RCW 48.31B.020 aligns with NAIC holding company act requiring
specified forms.
INSURANCE EXAM (2025/2026)
Actual Exam | Washington State Insurance Regulations | Office of the
Insurance Commissioner
Overview
This 2025/2026 validated resource contains the complete Washington Laws and Rules
Pertinent to Insurance Exam with actual questions and verified answers, directly aligned
with current Washington State Office of the Insurance Commissioner requirements.
Essential for insurance professionals preparing for state licensing and demonstrating
comprehensive knowledge of Washington-specific insurance laws, regulations, and ethical
standards.
Key Features
✓ 75-Question Comprehensive Exam matching Washington state format
✓ Washington Insurance Code with regulatory applications
✓ Consumer Protection Laws with compliance requirements
✓ Updated 2025/2026 Washington State insurance regulations
✓ Ethical Standards & Professional Conduct with disciplinary procedures
Content Domains
• Washington Insurance Code Provisions (18 Questions)
• Producer Licensing & Regulation (16 Questions)
• Policy Forms & Provisions (14 Questions)
• Claims Handling & Settlement (12 Questions)
• Unfair Trade Practices (10 Questions)
• Disciplinary Actions & Penalties (5 Questions)
Answer Format
Verified correct answers in bold green with:
• Washington statute citations
• Regulatory requirement justifications
• Ethical standard applications
• Compliance procedure rationales
Critical Updates 2025/2026
NEW - Updated data security and privacy requirements
UPDATED - Producer continuing education standards
REVISED - Claims handling timeframes
MODIFIED - Advertising and marketing restrictions
WASHINGTON INSURANCE CODE PROVISIONS (Questions 1–18)
, 1. The Washington Insurance Code is codified in which RCW title?
a) Title 39
b) Title 48
c) Title 42
d) Title 51
Rationale: All insurance statutes are consolidated under Title 48 RCW.
2. The Office of the Insurance Commissioner (OIC) is headed by?
a) Appointed director
b) Elected commissioner (4-year term)
c) Governor ex officio
d) Legislative committee
Rationale: Constitutional provision (Art. III § 19) mandates elected commissioner
independent of governor.
3. Maximum annual contribution to the Washington Life & Disability Insurance
Guaranty Association per insolvency is?
a) $100,000
b) $300 per assessed insurer
c) Unlimited
d) $50,000
Rationale: RCW 48.32.070 caps annual assessment at $300 per member company
per insolvency.
4. A domestic insurer is defined as?
a) Licensed in WA but incorporated elsewhere
b) Incorporated under Washington laws
c) Only sells surplus lines
d) Federal insurer
Rationale: Domestic status depends on state of incorporation, not licensing.
5. The Commissioner must examine domestic insurers at least every?
a) 10 years
b) 5 years
c) 2 years
d) Annually
Rationale: RCW 48.03.170 requires examination at 5-year intervals unless
circumstances warrant sooner.
6. Notice of proposed rulemaking must be published at least?
a) 10 days prior
b) 20 days prior
c) 30 days prior
d) 60 days prior
Rationale: Administrative Procedure Act (RCW 34.05.320) mandates 20-day
minimum notice.
7. Insurer holding company filings must include?
a) Only annual statement
b) Form A (acquisition), Form B (amended), Form C (enterprise risk)
c) Federal tax return
d) Marketing budget
Rationale: RCW 48.31B.020 aligns with NAIC holding company act requiring
specified forms.
