How To Become An Insurance Agent In West Virginia
Getting your insurance license is the first step to becoming an insurance agent in West Virginia. Life insurance, car insurance, home insurance, or business insurance all require a license to sell in any state.
Follow our step-by-step guide to get your insurance license in West Virginia.
How To Get Your Insurance License In West Virginia
Step 1. Which Types of Insurance Licenses Do You Need?
Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get.
These are examples of the types of insurance policies you can sell with each type of license:
- Property & Casualty Insurance License – Car Insurance, Home Insurance, Business Insurance, etc…
- Life & Health Insurance License – Life Insurance, Annuities, Health Insurance, etc…
Most insurance agents choose to get both of these licenses, but if you will only sell one type of policy then you just need to choose which license fits your needs.
Step 2. Insurance Pre-License Education
After you’ve determined which licenses you need, you must now take your West Virginia insurance pre-license education courses.
Most folks choose to take their insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. The types of licenses you choose (also known as “lines of authority”) will determine which courses you take.
Each line of authority in West Virginia requires twenty (20) hours of pre-license education. This means that if you wish to get a Property and Casualty license, you must take forty (40) hours of pre-licensing, and for Life, Accident, and Health you must also take forty (40) hours.
You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.
Step 3. West Virginia Insurance License Exams
The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each combined line of insurance you wish to carry. Property and Casualty are combined as one exam. The same is true for Life, Accident, and Health.
This is a proctored test, which means that you will be in a controlled environment with a person watching over you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.
The fee for each attempt of the exams is $88. When you show up you must have a photo ID any other documents that the testing facility has asked you to bring.
Each test is split into two sections: General Knowledge and State Specific. Be sure to study the content outlines provided by Pearson Vue:
To explain scoring, we will quote the Pearson Vue West Virginia Insurance Licensing Candidate Handbook:
The passing score of an examination was set by the West Virginia Office of the Insurance Commissioner. (in conjunction with Pearson VUE) after a comprehensive study was completed for each examination. Raw scores are converted into scaled scores that can range from 0 to 100. The scaled score that is reported to you is neither the number of questions you answered correctly nor the percentage of questions you answered correctly. With a passing score of 70, any score below 70 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly.Pearson Vue
Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.
Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.
Note: StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.
You may register to take your exams and find more information on the Pearson Vue West Virginia Insurance page.
Step 4. Fingerprinting And Background Check
The State of West Virginia requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the Department of Insurance at 304-558-0610 or email the licensing department.
Fingerprinting must be completed through IdentoGo.
The fee for fingerprint services is $45.75. Your fingerprints will be submitted automatically to the Insurance Department.
Note: Fingerprints are only good for thirty (30) days, so be sure to follow the next steps quickly.
Step 5. License Application
After you have passed your exams and submitted fingerprints, the next step is to apply for your license. If you have more than one line of authority that you tested for, be sure to apply for all of those lines.
The fee for an online application is $50, plus a $5 fee from NIPR, for a total of $55.
If you wish to add another line of authority at a later date, you will only need to pay the NIPR fee. If it has been longer than thirty (30) days since your original application, you will need to redo your fingerprints.
Apply for your license online with the NIPR West Virginia site.
Step 6. Application Review
Once you have submitted your application and passed your exams, your license application will be reviewed by the state. Your background check will also be reviewed.
If everything is to acceptable standards your license should be issued quickly. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.
After submitting your application, the review process should take about seven to ten (7-10) business days to complete. After this period, you will receive an email from NIPR regarding the issuance of your license.
You may also check your license status with the State Based Systems West Virginia Licensee Look-Up Tool.
You’ve done the work, put in the time and effort, and now hold the key to your own success! We’re proud of you. Take five (5) minutes and celebrate.
West Virginia Department Of Insurance Contact Information
West Virginia Lottery Building
900 Pennsylvania Avenue
Charleston, West Virginia 25302
Phone: (304) 558-0610
Fax: (304) 558-4966
Email: [email protected]
Information on this page has been gathered by a multitude of sources and was most recently updated in October 2019.Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. For more information, please contact your state's authority on insurance. Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.