$162 All-In: Washington Life & Disability License Cost 2026

Getting a Washington Life and Disability producer license costs $162 in required fees if you sit the combined exam once ($55), pay the license application fee ($55), and complete fingerprinting ($52) — or $183 if you sit the two single-line exams separately ($38 + $38) plus the same license fee and fingerprinting. There is no pre-licensing course sitting on top of either total: RCW 48.17.090(2) conditions licensure on age, a clean record, paid fees and the exam alone.

• Required fees, both lines, first try, combined exam: $162
• Required fees, both lines, first try, two separate exams: $183
• Pre-licensing course: none required
• Fingerprint background check: required for resident applicants only, $52
• Exam preparation: $0 to several hundred dollars, your choice
• Each retake: $55 (combined) or $38 (either single-line exam)
• Continuing education: 24 hours every 24 months, including at least 3 hours of ethics

1. PSI Exam Fee — $55 Combined, $38 Per Single-Line Exam

Paid to PSI Services LLC when you schedule, per attempt. One $55 fee covers the combined Life and Disability Producer exam; sitting the two single-line exams (Life Producer and Disability Producer) separately costs $38 each, $76 total. The combined exam saves $21 — about 28 percent — off the two-exam path.

2. Producer License Application Fee — $55 Flat

Charged by the Office of the Insurance Commissioner (RCW 48.14.010) when you apply for your producer license. License renewal is also $55, due every two years.

3. Fingerprint-Based Background Check — $52

Required for resident applicants only — non-residents have no fingerprint requirement. The check runs through IDEMIA's IdentoGO system, and the Office of the Insurance Commissioner's own page states the current fee is $52.

Add it up: $55 exam + $55 license fee + $52 fingerprint = $162 (combined exam), or $76 in exam fees + $55 + $52 = $183 (two separate exams).

One fee sits outside both totals on purpose: insurers pay a separate $20 appointment fee every two years when they appoint a producer to sell their products — a licensing-adjacent cost, not a cost of getting licensed itself, so this guide does not include it in the all-in totals above.

If you want both lines of authority, the combined exam is the cheaper and faster route: one $55 fee and one 195-minute appointment, instead of $76 across two $38 fees and two 150-minute appointments. The license fee and fingerprint cost are the same either way, so the exam-fee difference is the whole saving.

The case for the two single-line path is narrower: if you are certain you will only ever hold one line, sit only that line's $38 exam and skip paying for, or studying, content you do not need.

Washington requires 24 hours of continuing education within the 24-month period before renewal or reinstatement, including at least 3 hours of ethics education, under WAC 284-17-224. The 24 hours apply as a single pool regardless of how many lines of authority — personal lines, life, disability, property, casualty, variable life and variable annuity — a producer holds; there is no per-license-type allocation rule.

Certificates of completion must be retained for at least 3 years — longer for annuity suitability, flood, or long-term-care training specifically. CE course prices are set by individual providers, not the Office of the Insurance Commissioner, so this guide does not quote a figure for them.

Every attempt costs the fee again: $55 for a failed combined exam, retaken as the combined exam, or $38 for a failed single-line exam, retaken as that single-line exam — you do not have to retake a line you already passed. There is no limit on the number of retakes; the only practical constraint is a same-day scheduling block, so a candidate who tests unsuccessfully on a Wednesday can call Thursday and retest as soon as Friday, space permitting.

One deadline does matter after you pass: all license application requirements are due within 180 days of passing, or you must retake the exam. There is still no reason to pay the $55 or $38 fee twice when one more week of study might avoid it.

How much you spend on preparation is the biggest variable in the whole budget, and the first-time pass rates — roughly 58 percent on the combined exam, 43-46 percent on Life, 57-59 percent on Disability — make it a real line item, not an optional one.

$0 — the free stack. PSI publishes its Life and Disability Producer, Life Producer and Disability Producer content outlines with the item count of every section, and its Candidate Information Bulletin explains the format and fee rules. Together they tell you what is tested, not how it works.

$14.99-$79 — a focused exam-prep course. LanePrep's Washington Life and Disability course is nine audio chapters built from the content outline above, with a chapter quiz after every chapter. It costs $14.99 per month or $79 once as the Pass Package. Chapters 1 and 9 are free, no signup, so you can judge the format before paying for either.

Full packages. National prep providers sell bundles with video lectures and a textbook at several times the price of a focused course. Make sure any package you buy is built from PSI's current Washington content outlines and names PSI, not an outdated vendor, as the testing company.

Three realistic budgets, each including the confirmed $52 fingerprinting cost.

Pass the combined exam on the first attempt — $162 to $241

• Combined exam fee $55
• License application fee $55
• Fingerprinting $52
• Preparation: free stack ($0), one month of LanePrep ($14.99) or the Pass Package ($79)

Pass both single-line exams on the first attempt — $183 to $262

• Life exam fee $38
• Disability exam fee $38
• License application fee $55
• Fingerprinting $52
• Preparation: free stack ($0), one month of LanePrep ($14.99) or the Pass Package ($79)

One retake, combined exam — $217 to $296

• Everything in the combined-exam scenario above
• A second attempt at the combined exam: $55
• In practice, more preparation as well — the same preparation produced the first result

The gap between passing on the first try and needing one retake is $55, plus however many days it takes to get a new seat after PSI's same-day scheduling block. That is the arithmetic behind spending something on preparation: the most expensive study material is the kind that sends you back to retake an exam you already paid for once.

For most self-directed candidates the cost-optimal path is:

1. Decide whether you need one line of authority or both. If both, the combined exam is the cheaper and faster route.
2. Prepare with a focused course built for the outline you are actually sitting, so a retake is not the one you need.
3. Book and pass your exam(s) through PSI, schedule your fingerprint appointment as soon as you pass, and file your application with the Office of the Insurance Commissioner ($55) within the 180-day deadline.

LanePrep covers step 2: nine audio chapters built from the content outline, each with its own quiz, for $14.99 per month or $79 once. Chapters 1 and 9 are free. For the exam itself — format, weights and a week-by-week plan — read how to pass the Washington Life & Disability exam on the first try.

Fees and the continuing-education structure come from PSI's current Washington Candidate Information Bulletin, RCW 48.14.010, RCW 48.17.090, and WAC 284-17-224, plus the Office of the Insurance Commissioner's fingerprint-requirements page. Read October 2026.