WV STATE LIFE INSURANCE STUDY SHEET
2026 TEST PAPER QUESTIONS AND
SOLUTIONS GUARANTEED TO PASS
●● Notice and Hearing.
Answer: the Commissioner may call and hold hearings for any purpose
deemed necessary.
●● Insurance Commissioner.
Answer: the commissioner may conduct investigations or examinations
whenever deemed necessary, subpoena the witnesses to testify.
●● cease and desist order.
Answer: the commissioner may issue this order to any person committed
of an unfair or deceptive act.
●● Insurance Transaction.
Answer: solicitation or inducement to purchase insurance, negotiations
towards the sale of insurance, executing a contract of insurance, advising
on coverages and claims.
●● Producer.
, Answer: an applicant for a West Virginia insurer must be: 18 years of
age, not committed any act that is grounds for suspension etc.,
completed a pre licensing course, passed the state exam, submit the app
with fees, not intended to use the license primarily for controlled
business, deemed trustworthy and competent.
●● Continuing Education.
Answer: must complete 24 hrs of continuing education every 2 years to
keep their license. 3 of these hours are to be in ethics.
●● Fingerprinting.
Answer: The Commissioner requires all applicants be fingerprinted and
background checked before obtaining their ins. license.
●● Free Look Period.
Answer: In WV, insurers must provide a minimum of 10 days for a free
look period upon policy delivery.
●● Commingling.
Answer: a producer who has combined premiums collected with
personal funds has done this act, and it is illegal
●● Domestic Insurance Company.
2026 TEST PAPER QUESTIONS AND
SOLUTIONS GUARANTEED TO PASS
●● Notice and Hearing.
Answer: the Commissioner may call and hold hearings for any purpose
deemed necessary.
●● Insurance Commissioner.
Answer: the commissioner may conduct investigations or examinations
whenever deemed necessary, subpoena the witnesses to testify.
●● cease and desist order.
Answer: the commissioner may issue this order to any person committed
of an unfair or deceptive act.
●● Insurance Transaction.
Answer: solicitation or inducement to purchase insurance, negotiations
towards the sale of insurance, executing a contract of insurance, advising
on coverages and claims.
●● Producer.
, Answer: an applicant for a West Virginia insurer must be: 18 years of
age, not committed any act that is grounds for suspension etc.,
completed a pre licensing course, passed the state exam, submit the app
with fees, not intended to use the license primarily for controlled
business, deemed trustworthy and competent.
●● Continuing Education.
Answer: must complete 24 hrs of continuing education every 2 years to
keep their license. 3 of these hours are to be in ethics.
●● Fingerprinting.
Answer: The Commissioner requires all applicants be fingerprinted and
background checked before obtaining their ins. license.
●● Free Look Period.
Answer: In WV, insurers must provide a minimum of 10 days for a free
look period upon policy delivery.
●● Commingling.
Answer: a producer who has combined premiums collected with
personal funds has done this act, and it is illegal
●● Domestic Insurance Company.
