PassProfessor’s Wisconsin program is part of the expanding PassProfessor catalog. The 8,333-question Wisconsin practice bank is built and audited, and enrollment opens soon. Join the notify list and we will email you when enrollment opens — then use this guide to plan your path to the exams.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
The Wisconsin P&C exams, in one paragraph
Wisconsin licenses insurance producers as intermediaries, line by line — and there is no single Wisconsin property and casualty exam. For the two P&C lines you take two exams through PSI, for the Wisconsin Office of the Commissioner of Insurance: WI Property – General and State (Series 22-05) and WI Casualty – General and State (Series 22-07). Each exam is a single sitting that combines general insurance knowledge with Wisconsin law: 100 questions in two hours, passed with 70% correct. Before you may sit either exam you must complete 20 hours of approved pre-licensing education for that line and bring the certificate with you. Pass, and you have 180 days to apply for the license through NIPR before the result expires.
Who can take the Wisconsin P&C exams?
Wisconsin’s requirements are specific, and the order matters — education first, then fingerprints and the exam, then the application.
To be licensed as a resident intermediary (producer) for the Property or Casualty line, OCI requires that you:
- Complete the pre-licensing education for the line before testing. Every resident applying for a property, casualty, or personal lines license must complete pre-licensing education under ch. Ins 26, Wis. Adm. Code: at least 20 hours with a Wisconsin-approved provider before sitting for the exam. Of the 20 hours, 8 hours cover the principles of insurance, general Wisconsin insurance laws, and ethics; 12 hours cover policies, terms, and concepts and line-specific insurance law for that line. Once completed, the 8-hour common block does not have to be repeated for another line of authority if you test within a 12-month period — so a candidate taking both Property and Casualty completes 32 hours in total (8 shared + 12 + 12), not 40. Courses may be taken synchronously (in real time) or asynchronously (self-paced); asynchronous courses are not complete until you also pass a proctored course examination and a proctor affidavit is submitted to the provider. Your certificate of completion is valid for one year, and you must present it — paper, faxed copy, or electronic — to the test center or online proctor in order to test. Arrive without it and you will be turned away with your exam fee forfeited.
- Be fingerprinted. Resident applicants submit digital fingerprints through Fieldprint (code FPWIOCIINSURANCE) for a criminal history check run through the Wisconsin Department of Justice and the FBI. The bulletin lists the cost as $34.75; fingerprint information is valid for 180 days. OCI does not pre-qualify applicants: each application is reviewed individually after the examination and all other requirements are complete, and the bulletin lists the kinds of factors OCI may consider — the nature and age of any charges or convictions, completion of sentence and probation, pending charges, and whether everything was disclosed on the application.
- Show you are competent and trustworthy and meet the licensing conditions of Wisconsin law (s. 628.04, Wis. Stat.), answering the application’s background questions fully. OCI’s advice is direct: if you are unsure whether something needs to be reported, report it — applications are delayed, and can face action, when a “no” answer turns out to be wrong.
- Pass the exam for each line you want. Property and Casualty are separate lines of authority with separate exams. There is no combined sitting and no combined score.
Pre-licensing exemptions. The education requirement does not apply to everyone. Candidates who have completed a two-year Wisconsin technical college degree in insurance or a four-year college degree in business with an insurance emphasis are eligible for exemption, as are holders of certain professional designations — for the Property, Casualty, and Personal Lines authorities, the bulletin and OCI list the Accredited Advisor in Insurance (AAI), Associate in Risk Management (ARM), Certified Insurance Counselor (CIC), and Chartered Property and Casualty Underwriter (CPCU). Exemption requests go to OCI with supporting documentation; OCI’s pre-licensing page notes requests must be submitted and approved 90 days before the exam date, with written notice of approval or denial within 30 days of receipt. Note what an exemption is not: it waives the education hours, not the exam.
Which lines do you actually need? OCI is explicit that to sell auto or homeowners insurance, an agent must hold both the Property and the Casualty lines — or the Personal Lines authority, which is limited to P&C sold to individuals and families for primarily noncommercial purposes. If your goal is a full P&C practice, personal and commercial, plan on both exams in this guide.
The exams, piece by piece
Each exam is built from its own PSI content outline (both dated July 15, 2022). The architecture is identical — eight sections, regulation first — but the product sections diverge, and the two outlines reward different preparation.
WI Property – General and State (Series 22-05) — 100 questions, 2 hours
| Section | Questions | What it covers |
|---|---|---|
| I. Insurance Regulation | 35 | Licensing; state regulation (Commissioner, company and producer regulation, marketing practices); federal regulation; Wisconsin statutes common to property insurance; Wisconsin statutes pertinent to property insurance — including the standard fire policy in Wisconsin |
| II. General Insurance | 8 | Concepts, insurers, producers and agency rules, contracts |
| III. Property Insurance Basics | 13 | Principles and concepts, policy structure, common policy provisions |
| IV. Dwelling Policy | 4 | Characteristics, coverage forms and perils, property coverages, exclusions, conditions, endorsements, personal liability supplement |
| V. Homeowners Policy | 18 | Coverage forms, definitions, Section I property coverages, perils, exclusions, conditions, endorsements |
| VI. Commercial Package Policy | 9 | Components, commercial property, inland marine, equipment breakdown, farm coverage |
| VII. Businessowners Policy | 9 | Characteristics, Section I — Property, Section III — Common Policy Conditions, endorsements |
| VIII. Other Coverages and Options | 4 | Other policies — boatowners, surplus lines, directors and officers, National Flood Program, mobile/manufactured homes, earthquake, and the Wisconsin Insurance Plan |
| Total | 100 |
WI Casualty – General and State (Series 22-07) — 100 questions, 2 hours
| Section | Questions | What it covers |
|---|---|---|
| I. Insurance Regulation | 35 | Licensing; state regulation; federal regulation; Wisconsin statutes common to casualty insurance; Wisconsin statutes pertinent to casualty insurance — automobile liability and workers’ compensation insurance |
| II. General Insurance | 8 | Concepts, insurers, producers and agency rules, contracts |
| III. Casualty Insurance Basics | 13 | Principles and concepts (including negligence and liability), policy structure, common policy provisions |
| IV. Auto Insurance | 14 | Personal auto policy, commercial auto, and the Wisconsin specific auto plan, including the Wisconsin Automobile Insurance Plan |
| V. Commercial Package Policy | 10 | Components, commercial general liability, commercial crime, farm coverage |
| VI. Businessowners Policy | 10 | Characteristics, Section II — Liability, Section III — Common Policy Conditions, endorsements |
| VII. Worker’s Compensation Insurance | 5 | Workers’ compensation laws, the policy, premium computations, the Wisconsin Compensation Rating Bureau, termination |
| VIII. Other Coverages and Options | 5 | Umbrella/excess liability, specialty liability, surplus lines, surety bonds, other policies |
| Total | 100 |
Four structural facts that shape how you should prepare:
- Regulation is 35% of each exam — 70 of the 200 questions across both sittings. This is where Wisconsin law is tested: licensing and discipline, the Commissioner’s duties and powers, the Wisconsin Insurance Security Fund, company and producer regulation, marketing practices (misrepresentation, rebating, unfair discrimination, illegal inducement), contract rules, and the statutes common and pertinent to each line. No section on either exam is close to its weight.
- The exams are passed separately. Each sitting produces its own result against its own 70% standard. A strong Property result does nothing for a weak Casualty attempt, so preparation, scheduling, and retakes are all per-exam decisions.
- The product centers differ. Property’s center of gravity is homeowners (18 questions) on top of property basics (13). Casualty spreads wider — auto (14), CPP (10), and BOP (10) — with a small but distinct workers’ compensation block (5) that includes Wisconsin institutions, the Wisconsin Worker’s Compensation Insurance Pool and the Wisconsin Compensation Rating Bureau, named in the outline’s pertinent-statutes and rating sections.
- Experimental questions ride along. Beyond the 100 outline questions, PSI states that one to ten experimental items — generally about 10% of the number of questions — may be administered. They are not scored, but they use your time, and you cannot tell them from scored questions. Both exams are closed book: no reference materials of any kind.
The passing standard, explained
You pass each exam by answering 70% of its questions correctly. PSI’s Wisconsin bulletin states the standard exactly that way — a percentage of correct answers, not a scaled score — and each exam is judged on its own: 70% on Property passes Property; it has no effect on Casualty.
What you receive:
- Your result on screen at the end of the examination, and a score report by email. For a remotely proctored exam, PSI notes you must end both the exam portion and the survey portion to receive your on-screen results and emailed report.
- If you do not pass, the emailed score report includes a diagnostic report indicating your strengths and weaknesses by examination type — the factual starting point for a retake plan.
- Duplicate score reports can be printed from your PSI online account; the bulletin also gives scorereport@psionline.com for score-report requests.
One honest gap: neither the PSI bulletin nor OCI’s pages publish a Wisconsin pass rate for these exams, so this guide quotes none. Any pass-rate figure you see for Wisconsin P&C on a commercial site is not coming from the vendor or the regulator — treat it accordingly, and plan against the outline and the 70% standard instead.
Fees and registration, step by step
Four payments, to four different recipients, at four different points. Keep them separate, because candidates routinely merge them and then misbudget the process.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Exam fee — Property (22-05) | $75 | PSI | When you schedule that exam |
| Exam fee — Casualty (22-07) | $75 | PSI | When you schedule that exam |
| Fingerprinting | $34.75 | Fieldprint | At your fingerprint reservation/appointment |
| License fee | $75 per line of authority | OCI, via NIPR | When you apply after passing |
| Application fee (residents) | $10 | OCI, via NIPR | With the application — one application can cover more than one line |
Exam fees are non-transferable, and an exam fee is valid for one year from the date of payment. License and application fees are non-refundable and non-transferable.
The sequence, in order:
- Finish the pre-licensing education for the line with a Wisconsin-approved provider (find providers through the NAIC State Based Systems lookup linked from OCI’s pages) and obtain your certificate of completion. Remember the asynchronous-course rule: the proctored course exam and affidavit come first, or the course does not count as completed.
- Make your fingerprint reservation with Fieldprint at fieldprintwisconsin.com, using code FPWIOCIINSURANCE. Bring two forms of current signature identification, the primary one government-issued, photo-bearing, with signature. Results typically reach OCI electronically within 24–72 hours.
- Schedule the exam with PSI — online at test-takers.psiexams.com/wiins or by phone at 888-818-5805. Create your account with your legal first and last name exactly as they appear on your government-issued ID. Choose your delivery mode: a test center or a remote online proctored sitting. Wisconsin test locations listed in the bulletin include Waukesha, Green Bay, La Crosse, Madison, Oshkosh, Rhinelander, and Stevens Point, and PSI notes you may test at other PSI centers as well. You may cancel and reschedule without forfeiting your fee if your cancellation notice is received two days before the scheduled date; voicemail is not an acceptable cancellation — use the website or speak to a representative.
- Take the exam, presenting your pre-licensing certificate and identification (see the test-day section). Your result is on screen when you finish.
- Apply for the license — after passing, and promptly. Wait 48–72 hours after passing for the result to be recorded, then apply electronically through NIPR (nipr.com) or an NIPR-authorized business partner, paying the $75-per-line license fee plus the $10 resident application fee. Once your application is submitted to the state, you have 90 days to supply any required information; failure closes the application as expired, and fees are not refunded. OCI states applications can be processed within 24 to 48 hours, though an application deferred to the state for further review takes longer. Background-question documents can be uploaded through NIPR or sent to ociagentlicensing@wisconsin.gov.
After you pass
- The 180-day clock is the headline. Your exam result is valid for 180 days (six months) under s. Ins 6.59(4)(c), Wis. Adm. Code. Apply inside that window. OCI’s wording allows no ambiguity: failure to apply within the timeframe requires you to retake the exam and pay the exam fees again — no exceptions.
- Your fingerprints run on the same clock. Fingerprint information is valid for 180 days as well; let either validity lapse and that step is redone.
- One application can carry both lines. The bulletin notes you may submit one application for one or more lines of authority; the $75 license fee applies per line, and the resident application fee is $10.
- Licensure is not the same as selling. The license grants the authority; representing a specific insurer’s products is arranged with that insurer after licensure. Budget the application step into your start date, not as an afterthought to it.
Retakes and score validity
- No limit on attempts. PSI states there is no limit to the number of times a candidate may retake an examination to pass. The $75 exam fee applies to each attempt.
- But not the same day. A new appointment cannot be made on the day you tested, because results must be processed and reported. PSI’s example: a candidate who tests unsuccessfully on a Wednesday can call on Thursday and retest as soon as Friday, depending on availability.
- Your certificate must still be valid. For exams requiring a pre-licensing certificate, the certificate must be in force for the retake — and certificates expire one year after completion. A long retake campaign can therefore send you back to repeat education, which is a practical argument for testing while your course is fresh.
- Score validity (restated because it is unforgiving): 180 days from passing to completed application, per exam line, with retake and new fees as the stated consequence of missing it.
Test day
- Arrive 30 minutes early. The bulletin sets show-time 30 minutes before your appointment for sign-in, identification, and familiarization. Arrive late and you may not be admitted — and the fee is forfeited.
- Identification and your certificate are the admission ticket. Register under your legal name as it appears on your government ID. The bulletin requires one form of valid, non-expired, signature-bearing photo identification at the test site (OCI’s resident-requirements page describes bringing two forms of valid identification — bring two and you satisfy both wordings). For the major lines, you must also present your pre-licensing certificate of completion, on state or school letterhead, signed and dated by the provider; faxed, paper, or electronic copies are acceptable. Missing ID, a name mismatch, or a missing certificate each end the day with the fee gone.
- Security is strict, at centers and online. Reference materials and electronic devices of any type — phones, watches, calculators, cameras — are prohibited, as are hats and headgear not worn for religious reasons, bulky outerwear, bags, food, and personal writing materials. At a test center you are given scratch paper and a pencil, returned at check-out. Under remote proctoring there is no scratch paper and no breaks, your webcam and room must remain proctor-visible, and you must begin within 15 minutes of your booked time or forfeit the fee.
- The sitting itself. A tutorial of up to 15 minutes runs before the exam and does not count against your two hours. One question appears at a time, minutes remaining display on screen, and you may return to questions and change answers while time remains. You may comment on individual questions using the on-screen comments button; PSI reviews substantive comments but does not respond individually — that is the only review of exam materials available.
- Results are immediate, on screen and then by emailed score report — provided, for remote candidates, that you end both the exam and survey portions.
How to study for these exams
The outlines are the syllabus, and Wisconsin’s have an unusual shape: more than a third of each exam is regulation and law. A plan built on that structure:
- Treat Regulation as the main subject, because the exam does. Thirty-five questions per exam — licensing, the Commissioner, the Insurance Security Fund, producer and company regulation, marketing practices, contract clauses, and the Wisconsin statutes common and pertinent to the line. This material is concrete and memorization-friendly: duties, deadlines, prohibited practices, named funds and plans. It rewards direct study of Wisconsin law — OCI itself publishes the Intermediary’s Guide to Wisconsin Insurance Law as a study guide for the laws portion — and it punishes candidates who studied only national product content.
- Sequence by line, not by topic across lines. Complete a line’s education, prepare for that exam, sit it, and apply the result inside its 180-day window, then repeat for the second line. Splitting preparation across both exams at once doubles the product detail you must hold while halving the depth anywhere.
- Give homeowners its weight on Property; spread wider on Casualty. Homeowners alone is 18 Property questions — more than CPP and BOP combined. On Casualty, no product section exceeds auto’s 14, so the risk is breadth: CGL inside the CPP, BOP liability, and the 5-question workers’ compensation block (including the Wisconsin pool and rating bureau) each need real time despite modest counts.
- Learn the Wisconsin institutions by name. The outlines name them: the Wisconsin Insurance Plan (Property), the Wisconsin Automobile Insurance Plan and the specific auto plan rules (Casualty), the Wisconsin Insurance Security Fund, the Wisconsin standard fire policy, the Wisconsin Worker’s Compensation Insurance Pool, and the Wisconsin Compensation Rating Bureau. Questions about them cannot be answered from generic national knowledge.
- Practice at full length, per exam, against the clock. 100 scored questions in 120 minutes — plus experimental items you cannot identify — is about a minute per question. Full simulations for the specific sitting you face build the pacing that section quizzes cannot.
- Read explanations, including for questions you answered correctly. A right answer held for a wrong reason fails on the next variation. That is especially true in Regulation, where two answer choices often differ by a single duty, deadline, or authority.
This program’s Wisconsin practice bank (8,333 questions, including 839 on Wisconsin statutes, rules, and regulations) covers both exams in one product, with generated practice exams available for each exam part separately. The bank’s general content is organized by content area rather than under Wisconsin’s verbatim outline headings — the Wisconsin Insurance Exam Prep program page shows the full counted coverage table — and the notify list there will email you when enrollment opens.
Frequently asked questions
How many questions are on the Wisconsin P&C exams? Wisconsin has no single P&C exam. The Property exam (Series 22-05) and the Casualty exam (Series 22-07) each contain 100 questions, each in a two-hour sitting. PSI may administer one to ten additional experimental questions, unscored but counted against your time.
What score do I need to pass? 70% correct, on each exam separately. The Wisconsin bulletin states the standard as a percentage correct, not a scaled score, and passing one exam does not affect the other.
Does Wisconsin require pre-licensing education? Yes. Twenty approved hours per line — 8 hours of principles of insurance, general Wisconsin insurance law, and ethics, plus 12 hours of line-specific content — completed before you test, with the certificate presented at the exam. The 8-hour block is shared between lines within 12 months, so both P&C lines require 32 hours total. Exemptions exist for certain Wisconsin insurance/business degrees and, for P&C lines, the AAI, ARM, CIC, and CPCU designations.
Does an exam-prep program like PassProfessor satisfy the education requirement? No. Exam preparation is not pre-licensing education and earns no education credit. Wisconsin’s hours must come from a Wisconsin-approved provider, and neither OCI nor PSI reviews or approves independent study materials as a substitute. Complete the required course; prepare for the exam alongside it.
How much does it cost, in total, to get licensed in both lines? From the official figures: $75 per exam to PSI ($150 for both sittings, and $75 per retake), $34.75 for fingerprinting through Fieldprint, and, after passing, $75 per line of authority plus a $10 resident application fee through NIPR ($160 for both lines on one application). Your approved pre-licensing education course is a separate cost set by the provider.
How do I register? With PSI, online at test-takers.psiexams.com/wiins or by phone at 888-818-5805, after completing the line’s pre-licensing education. You choose a test center or a remote online proctored sitting, and your account name must match your government ID exactly.
Can I take the Wisconsin exams online? Yes. PSI offers these exams both at test centers and by remote online proctoring. Remote sittings carry additional rules: no scratch paper, no breaks, a webcam-visible workspace, and a start within 15 minutes of the booked time.
What do I do after I pass? Wait 48–72 hours for your result to be recorded, then apply through NIPR with the license and application fees. Do it promptly: your result is valid for only 180 days, and OCI states that missing the window means retaking the exam and paying again, with no exceptions.
How long is my passing score good for? 180 days — six months — from passing, under s. Ins 6.59(4)(c), Wis. Adm. Code. Your fingerprint record is valid for the same 180 days.
If I fail, how soon can I retake, and how many times? There is no limit on attempts. You cannot rebook for the same day; you can schedule the next day and retest as soon as the day after that, subject to availability, at $75 per attempt — and your pre-licensing certificate must still be valid.
What Wisconsin-specific topics do the exams cover? Within the 35-question Regulation section and the line sections: Wisconsin licensing and disciplinary rules; the Commissioner’s powers; the Wisconsin Insurance Security Fund; marketing and unfair-practice rules; the standard fire policy in Wisconsin (Property); the Wisconsin Insurance Plan (Property); automobile liability, the Wisconsin specific auto plan, and the Wisconsin Automobile Insurance Plan (Casualty); and workers’ compensation including the Wisconsin Worker’s Compensation Insurance Pool and the Wisconsin Compensation Rating Bureau (Casualty).
What is an intermediary? Wisconsin’s term for a licensed insurance producer/agent. An intermediary individual solicits, negotiates, or places insurance or annuities on behalf of an insurer or a person seeking insurance, or advises others about insurance needs and coverages. The Property and Casualty licenses in this guide are lines of authority on that intermediary license.
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 does not satisfy Wisconsin’s pre-licensing education requirement. PassProfessor is not affiliated with the Wisconsin Office of the Commissioner of Insurance or PSI, or any state agency or exam vendor. All practice questions are original, written to the published exam outlines; they are not actual exam questions. This guide is general information about the Wisconsin licensing exams, current as of October 2026; OCI and PSI publications govern if anything here differs from them.