Pass the Washington Life and Disability exam on your first try.
Audio chapters for the commute. 501+ practice questions for the desk. Pass Guarantee.
Hear how Chapter 1 sounds — 75-sec sample
Chapter 1 — 75-second sample
Exam date booked? Get a day-by-day study plan →
What's inside the Washington L&H course
- ✓ 9 audio chapters covering the PSI Washington Life and Disability Producer content outline (13 sections, effective April 1, 2026) end-to-end
- ✓ 501+ practice questions with explanations on every answer
- ✓ Listen during commute, gym, chores — no screen required
- ✓ Washington law covered cold (RCW 48.17 producer licensing and the Office of the Insurance Commissioner, unfair practices, replacement and suitability rules under WAC 284, the Life and Disability Insurance Guaranty Association)
- ✓ Pass Guarantee — keep studying until you pass, no extra charge
The Washington L&H exam at a glance
- Questions
- 150
- delivered by PSI
- Time limit
- 195 min
- To pass
- 70%
- 70% of questions correct
- First-time pass rate
- 58% (combined exam), 43-46% (Life), 57-59% (Disability)
- OIC figures
- Exam fee
- $55
- per attempt
- Pre-licensing course
- Not required
- No pre-licensing course is required in Washington: HB 1061 amended RCW 48.17.090 effective July 23, 2023 and the Office of the Insurance Commissioner repealed the course rules.
Free Washington L&H study guides
No signup needed — start with the exam facts, then pick the study plan that fits your timeline.
- How to Pass the Washington Life & Disability Exam on the First Try (2026)
- $162 All-In: Washington Life & Disability License Cost 2026
- 25 Free Washington Life & Disability Exam Practice Questions (2026)
- 17 Free Washington Life Producer Exam Practice Questions (2026)
- 17 Free Washington Disability Producer Exam Practice Questions (2026)
- Is the Washington Life & Health Exam Hard? Pass Rates and Difficulty (2026)
- How Many Questions Are on the Washington Life & Health Exam? Format, Time Limit and Passing Score (2026)
- Failed the Washington Life & Health Exam? Retake Rules, Waiting Periods and Fees (2026)
- Washington Life & Health Exam Day: What to Expect at PSI (2026)
- Do You Need a Pre-Licensing Course for the Washington Life & Health Exam? (2026)
- 17 Free Washington Life & Health Practice Questions: Washington Insurance Law (2026)
- 17 Free Washington Life & Health Practice Questions: Federal Laws and General Insurance Concepts (2026)
- 17 Free Washington Life & Health Practice Questions: Life, Accident and Health Basics (2026)
- 17 Free Washington Life & Health Practice Questions: Types of Life Insurance and Provisions (2026)
- 17 Free Washington Life & Health Practice Questions: Annuities and Federal Tax (2026)
- 17 Free Washington Life & Health Practice Questions: Individual Accident and Health and Disability Income (2026)
- 17 Free Washington Life & Health Practice Questions: Medical Plans, Group Health and Senior Coverage (2026)
9 chapters. Every exam topic.
2h 54m of audio and 501+ practice questions, mapped to the exam outline.
Early Access
New product · real Washington candidates studying now
LanePrep's Washington L&H course launched in October 2026. Every chapter is checked against the current exam objectives by the founder, and every candidate is asked after the exam whether they passed. Quotes from Washington candidates who report a pass appear here with their permission.
Hi, I'm Nico — I built LanePrep
Founder · Solo · Replies personally
Every chapter — including the Life & Health statutes — is reviewed by me. If you ever spot something wrong or unclear, reply to any email I send and I'll fix it. Solo founder, no outsourced support.
nico@laneprep.com· I read every message.
Don't pass? You're covered.
Two layers of protection depending on which plan you choose:
Monthly
Keep studying free until you pass
No extra charge, no time limit. Re-listen, re-quiz, retake — we never lock you out for failing.
Pass Package ($79)
Full refund if you fail
Upload your official PSI score report within 30 days. Every cent back. For the “I have to pass first try” mindset.
Ready to pass your Washington L&H exam?
Pass Package
Pay once — pass, or your money back
Kaplan charges $139–$299. Same exam, no course.
- ✓ All 9 audio chapters
- ✓ Practice quiz bank
- ✓ Full refund if you fail
- ✓ No recurring charges
Monthly
Same content, billed monthly
Cancel anytime · pass in 6–10 weeks
- ✓ All 9 audio chapters
- ✓ Practice quiz bank
- ✓ Pass Guarantee included
Not ready to commit yet?
Get 25 free Washington L&H practice questions emailed to you — with full answer explanations. No credit card required.
No spam. Just the questions and one optional follow-up.
Common questions
Which exam does this cover?
The Washington Life and Disability insurance license exam, delivered by PSI: 150 questions in 195 minutes, passed with 70% of questions correct. Every chapter is mapped to the current content outline.
Can I really study just by listening?
The audio lessons teach through plain explanations, worked examples and memory aids, so the listening does the first pass. The question bank and the mastery dashboard are where you confirm it stuck; that part is on a screen, and it takes minutes a day, not hours.
How long until I'm ready for the exam?
The audio is 2h 54m in total, so most people finish the 9 chapters in two or three commutes and then spend their time on the 501+ practice questions. Book the exam when the mastery dashboard is green across every chapter.
What if I don't pass?
Pass Package customers get a full refund of the $79 on a failed attempt: upload the official PSI score report within 30 days of an exam sat after purchase and within 180 days of it. Monthly subscribers pay nothing more until they pass: tell us you did not pass and billing pauses while your access stays open.
Is this an official pre-licensing course?
No. LanePrep is the exam prep itself, not a state-mandated course. No pre-licensing course is required in Washington: HB 1061 amended RCW 48.17.090 effective July 23, 2023 and the Office of the Insurance Commissioner repealed the course rules.
What is the Washington L&H exam pass rate?
About 58% (combined exam), 43-46% (Life), 57-59% (Disability) of first-time candidates pass, according to OIC's published figures. Repeat candidates pass at a noticeably lower rate, which is why the first attempt matters.
How much does LanePrep cost?
$79 once for permanent access with a full refund if you don't pass, or $14.99 a month that you can cancel any time. Both include every chapter, the full question bank and the practice exam.
Can I use this offline?
Yes. LanePrep is a progressive web app: install it on your phone and download the chapters for offline listening.
Who runs LanePrep — is it a legitimate company?
LanePrep is operated by LeakShield Technologies LLC (Spokane, WA) and run by its founder, Nico, who writes and reviews every chapter and answers every email himself. Payments are processed by Stripe.
Ready to pass your exam?
Start with Chapter 1 — it's free. No credit card required.
Listen to Chapter 1 free (27 min)