Part of the expanding PassProfessor catalog: This program is built — 8,963 questions, written to the current West Virginia outline and independently audited — and it opens for enrollment soon. Join the notify list and we will email you when enrollment opens.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
West Virginia licenses property and casualty producers through one combined exam — the WV Property and Casualty exam (InsWV-PC03), given by Pearson VUE for the West Virginia Offices of the Insurance Commissioner: 150 questions in 210 minutes, 140 of them scored, and a scaled score of 70 to pass. PassProfessor’s West Virginia program will give you 8,963 original practice questions built on Pearson VUE’s current West Virginia content outline — including 1,469 questions on West Virginia laws and rules alone — with an explanation on every question and full practice exams generated fresh, at the real exam’s weights, every time you sit one. A free sample comes with the program; the full West Virginia program will be $29 when enrollment opens.
What’s included
A West Virginia bank, not a national bank with a West Virginia chapter. The West Virginia exam puts 40 of its 140 scored questions — 29% of your score — on a single section: West Virginia Laws and Rules Pertinent to Property and Casualty Insurance. That one section covers the Insurance Commissioner, licensing and unfair trade practices, the West Virginia Essential Insurance Coverage Act (FAIR) Plan, the West Virginia Insurance Guaranty Association, mine subsidence, the Automobile Insurance Plan, and West Virginia’s valued policy law and comparative negligence doctrine. Our West Virginia bank holds 8,963 questions, and 1,469 of them test West Virginia law specifically. That is the section national courses cover most lightly, and it is where this program is deepest.
An explanation on every question. Every one of the 8,963 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Practice exams at the real exam’s weights. Each full practice exam is generated fresh for that attempt — 100 general-knowledge questions and 40 West Virginia-law questions in the same proportions Pearson VUE uses, with the general sections weighted the way the official outline weights them (the two Types of Policies sections and the West Virginia-law section carry the most). Questions you have not seen come first, and you never sit the same exam twice.
Drills that match how the exam is built. Drill a single outline section — West Virginia automobile insurance rules, homeowners policy types, casualty policy provisions — or sit the full timed simulation against the clock. Your results break down by outline section, so a weak area shows up in your practice data before it shows up on a score report.
Questions that stay honest. Every item in the program is monitored from real student responses once the program opens. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired — the bank you practice on is the bank as it should be, not as it shipped.
Practice for both parts, separately. The combined exam is scored as a general-knowledge part and a West Virginia part, and the handbook’s waiver rules bank a passed part for 12 months. The program mirrors that structure: drill the general sections and the West Virginia section independently, sit them together in full simulations, and see separate readiness signals for each part — so if one part is lagging, you know it while there is still time to fix it, not from a score report.
A free sample that shows the real product. The free West Virginia sample is a fixed set of 10–15 questions drawn from across the outline — roughly two-thirds high-success questions and one-third stretch questions — with the same full explanations as the paid program. It is the honest way to judge the teaching when enrollment opens: if the explanations in the sample do not make you better at the next question, the full program will not either.
One honest boundary. West Virginia requires 40 hours of approved pre-licensing education (20 hours per line) before you may sit this exam, and this program is not that course — it provides no education credit and does not satisfy the requirement. What it does is make sure the hours you spend in your approved course turn into a passing score: candidates use it alongside their course and in the window between finishing the course and test day, which is exactly when focused practice pays.
The real exam at a glance
Current as of October 2026, per the Pearson VUE West Virginia Insurance Candidate Handbook (June 2026) and the West Virginia Insurance Supplement Examination Content Outlines (effective July 1, 2024). Full detail — eligibility, the pre-licensing requirement, registration, fingerprints, retakes, test day — is in our West Virginia insurance exam guide.
| WV Property and Casualty exam (InsWV-PC03) | |
|---|---|
| Administered by | Pearson VUE, for the West Virginia Offices of the Insurance Commissioner (OIC) |
| Questions you will see | 150 |
| Scored questions | 140 (100 general knowledge + 40 West Virginia laws and rules) |
| Unscored pretest questions mixed in | Yes — mixed in and not identified (see verification log) |
| Time limit | 210 minutes (3½ hours) |
| Passing standard | Scaled score of 70 |
| Exam fee | $84, paid to Pearson VUE when you reserve |
| License application fee | $50, paid to the West Virginia Insurance Commissioner via NIPR after you pass (separate from the exam fee) |
- West Virginia requires pre-licensing education for this license. You must complete an approved program of study — 20 hours per line of authority, so 40 hours for the combined Property and Casualty path — and bring your paper Certificate of Pre-licensing Course Completion (or PL 789E form) to the test center. Electronic copies are not accepted, the certificate is valid for six months, and without the paper original you will be turned away and lose your exam fee. This program is exam preparation only and does not satisfy that requirement — you still need your hours from an OIC-approved provider.
- A scaled score of 70 is not 70%. Pearson VUE converts results to a scaled score (0–100) so different exam forms demand the same knowledge. Plan to practice comfortably above the line, not on it.
- The exam is a single combined sitting with two parts — general knowledge and West Virginia-specific. If you pass one part and not the other, the passed part is banked by waiver for 12 months, but you retake the same combined exam; switching to a single-line exam voids the waiver.
- You apply for the license after passing: get fingerprinted through IdentoGO, then apply through NIPR with the $50 fee. If you are not licensed within one year of passing, you must complete pre-licensing again and retake the exam.
- West Virginia caps your attempts. State law (WV Code §33-12-5) limits a candidate to eight attempts to pass each line of authority, and you must wait 24 hours before reserving a retake. Eight is not a small number, but it is a finite one — the right response to it is arriving over-prepared, with full simulations already behind you, rather than spending early attempts learning what the exam feels like.
- Four clocks run on this license. Your course certificate is valid for six months; a passed exam part is banked for 12 months; fingerprint results are valid for 60 days; and licensing must be completed within one year of passing. None of these is hard to meet — all of them are easy to miss if nobody tells you they are running. Our West Virginia insurance exam guide lays out each clock and when it starts.
How the practice maps to the real exam
Every question in the West Virginia bank is tagged to a section of Pearson VUE’s current West Virginia content outline — the same outline the real exam is built from. Counts below are the bank itself, counted question by question. The bank files the two general-knowledge Terms sections under one shared heading, so those two outline sections are shown together.
| Official outline section (scored questions on the real exam) | Practice questions |
|---|---|
| General knowledge — Property (50 scored) | |
| I. Types of Property Policies (22) | 1,649 |
| II. Insurance Terms and Related Concepts (15) | — |
| III. Policy Provisions and Contract Law (13) | 974 |
| General knowledge — Casualty (50 scored) | |
| I. Types of Casualty Policies, Bonds, and Related Terms (23) | 1,724 |
| II. Insurance Terms and Related Concepts (15) | — |
| III. Policy Provisions (12) | 898 |
| General knowledge — Terms, both lines (30 scored, filed together in the bank) | 2,249 |
| West Virginia specific (40 scored) | |
| West Virginia Laws and Rules Pertinent to Property and Casualty Insurance (40) | 1,469 |
| Total (140 scored) | 8,963 |
The West Virginia section itself is not one undifferentiated block, and neither is the drilling. Pearson VUE’s outline itemizes its 40 questions: automobile insurance carries 8, definitions, restrictions, and responsibilities 7, licensing 6, and unfair trade practices 6, with the Commissioner, compensation of licensees, and a run of single-question topics — insurable interest in property, binders, approval of rates and forms, the FAIR Plan, the Guaranty Association, mine subsidence, malpractice policies, homeowner’s insurance — making up the rest. A candidate who studies “West Virginia law” as a single subject walks in uneven; the bank’s West Virginia drills follow the outline’s own subtopics, so your practice data shows you whether it is the auto rules or the licensing rules that are costing you questions.
How to use it
- Join the notify list today. When enrollment opens, start with the free sample exam — a fixed set of West Virginia questions across all three parts of the outline, with full explanations — enough to see how the program teaches and where you stand.
- Use it alongside your approved pre-licensing course. West Virginia’s 40 required hours teach the material once; this program is how you find out what actually stuck. Drill each outline section as your course covers it, and read the explanation on every miss.
- Drill the West Virginia-law section early and often. It is 40 of 140 scored questions — the largest single section on the exam — and the most concrete: day counts, dollar figures, named West Virginia institutions. Most candidates leave state law for last; the score report is where that shows.
- Sit full generated exams against the clock. 150 questions in 210 minutes is a pace of about a minute and a half per question. Practice the pace, not just the material — and remember your course certificate expires six months after completion, so do not let your practice window drift.
- Book the real exam through Pearson VUE when your practice scores sit comfortably above passing on full simulations — and bring the paper original of your course completion certificate on test day. After you pass, get fingerprinted promptly (fingerprint results are valid for 60 days) and apply through NIPR well inside the one-year licensing window.
Pricing
$29 — the full West Virginia program, when enrollment opens. All 8,963 questions, every explanation, unlimited fresh practice exams and section drills. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; full pre-licensing courses from the national providers run $129 to $349. West Virginia requires you to take an approved course regardless — this program is the practice layer that sits on top of it, priced below every comparable practice product. PassProfessor is one program inside a library of 478,523 original practice questions across all 50 states, each state priced the same way: $29.
Who this fits, concretely: candidates partway through their 40-hour course who want to test whether the material is actually sticking, section by section; candidates who have finished the course and are inside the certificate’s six-month window, converting coursework into exam-day performance; and candidates retaking after a failed attempt, who need their practice broken down by the same parts and sections the score report uses. If you have not started your approved course yet, start there — then use this to make the course count.
Frequently asked questions
How many questions are on the West Virginia P&C exam? You will see 150 questions in 210 minutes (3½ hours). Of those, 140 are scored — 100 on general insurance knowledge (50 property, 50 casualty) and 40 on West Virginia laws and rules — and the rest are unscored pretest questions mixed in so you cannot identify them. Treat every question as if it counts, because you cannot tell which ones do not.
What score do I need to pass the West Virginia P&C exam? A scaled score of 70. Pearson VUE scales results onto a 0–100 scale so that every version of the exam demands the same level of knowledge, which means a scaled 70 is not the same thing as answering 70% of the questions correctly. The only score that matters is the one on your official score report, which you receive when you leave the test center.
Does West Virginia require pre-licensing education? Yes. West Virginia requires an approved pre-licensing course before you may sit the exam: 20 hours per line of authority, which means 40 hours for the combined Property and Casualty path. You receive a Certificate of Pre-licensing Course Completion (or PL 789E form), valid for six months, and you must bring the paper original to the test center — electronic copies are not accepted. This program does not satisfy that requirement; it is the practice you use to pass the exam the course prepares you for.
How much does it cost to get a West Virginia P&C license? The exam fee is $84, paid to Pearson VUE when you reserve your appointment. After you pass, the license application fee is $50, paid through NIPR, and fingerprinting through IdentoGO carries its own separate fee. Your approved pre-licensing course is a separate cost paid to the course provider — West Virginia requires the course, so budget for it separately from exam prep like this program at $29.
Who administers the West Virginia insurance exam? Pearson VUE administers the exam for the West Virginia Offices of the Insurance Commissioner (OIC). You reserve your appointment on Pearson VUE’s West Virginia insurance page or by phone at (800) 274-2614, at least 24 hours ahead, and test at a Pearson VUE test center.
What do I do after I pass? Get fingerprinted through IdentoGO — the appointment must be scheduled after you pass, and fingerprint results are valid for 60 days — then apply for the license electronically through NIPR with the $50 fee, and fax a copy of your fingerprint receipt (which carries your 12-digit TCN number) to the OIC Licensing Division. You must be licensed within one year of passing; miss that window and you must complete pre-licensing again and retake the exam.
What happens if I fail? West Virginia law limits you to eight attempts to pass each line of authority, and you must wait 24 hours before making a new reservation; the $84 exam fee applies to each attempt. The combined exam is scored in two parts — general knowledge and West Virginia-specific — and a part you pass is held by waiver for 12 months from the date you passed it. If you fail one part of the combined exam, you retake the same combined exam; switching to a single-line exam voids the previous pass waiver.
How long is my passing score good for? One year. You must complete the licensing process within one year of passing the examination; applicants who are not licensed within that year must complete pre-licensing education again and retake the exam.
Are these the actual exam questions? No. Every PassProfessor question is written by us, from scratch, to Pearson VUE’s published West Virginia content outline and West Virginia insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test.
Does this program count as pre-licensing education? No — and in West Virginia that distinction matters. This program is exam preparation only: it provides no education credit in any state and does not satisfy West Virginia’s 40-hour pre-licensing requirement for the Property and Casualty lines. You still need your hours from an OIC-approved provider, and you will need that provider’s certificate in paper form on test day. This program prepares you for the exam itself.
Why does the West Virginia-law part get its own drills? Because it is 40 of the 140 scored questions — the largest single section on the exam at 29% — and it is the part national study materials cover thinnest. West Virginia tests its own institutions and doctrines: the Essential Insurance Coverage Act (FAIR) Plan, the Insurance Guaranty Association, mine subsidence coverage, the Automobile Insurance Plan, the valued policy law, and comparative negligence. Our bank holds 1,469 West Virginia-law questions so that section can be drilled on its own until it is the easiest part of your exam.
When can I enroll in the West Virginia program? Soon — the question bank is complete and the program is in final preparation. Join the notify list on this page and we will email you the day enrollment opens.
Disclaimer
PassProfessor is an independent exam-preparation provider. This program is exam preparation only: it is not pre-licensing education, provides no education credit, and is not affiliated with the West Virginia Offices of the Insurance Commissioner, Pearson VUE, or any state agency or exam vendor. All practice questions are original, written to the published exam outline; they are not actual exam questions.