There is no fee to join Oihana Consulting, and no money in this path goes to Oihana. Every dollar below goes to the State of Washington or to a testing or fingerprint vendor.
Washington guide: https://oihanaconsulting.com/resources/washington-insurance-license
Washington calls the health line “Disability.” Most people take the Life and Disability Producer Combo exam: one sitting, both lines on one license. The cost table below uses the combo path.
| Item | Cost | Paid to | Notes |
|---|---|---|---|
| Exam prep course (optional) | $100–$200 estimate | Prep provider you choose | Optional; estimate only. |
| State exam, Life & Disability Combo | $55 per attempt | PSI Services LLC | Paid when scheduling. |
| License application, first time, full lines | $55 | Washington OIC | Through NIPR or OIC online. |
| Fingerprints | About $49 | IDEMIA IdentoGO | Verify at booking. |
| Portal transaction charge | Small charge possible | NIPR/OIC portal | Verify at checkout. |
Required fees total, first try: about $159, state and vendors only.
Life-only path: $38 exam + $55 application + about $49 fingerprints = about $142. Retakes: you pay the full exam fee again each time. There is no limit on retakes.
The career fit assessment states a total licensing cost of about $400–$650 paid by the recruit. That is a national range, and it covers prep, retakes, and portal charges. Washington sits at the low end, at about $159 in required fees. Plan on holding the full $400–$650 budget. Do not plan on $159 alone if a retake would put you in a bind.
Order matters: pass first, apply second, fingerprint after you apply. Hard deadline: all requirements must be met within 180 days of passing, or you retake.
Washington has no state fee waiver for new producer applicants. Federal help is available: Washington insurance exams are approved for VA GI Bill test fee reimbursement, up to $2,000 per test for eligible veterans. Check va.gov before testing, keep your receipts and score report, and file your claim after passing.
After you apply, IDEMIA IdentoGO takes your fingerprints electronically. The Washington State Patrol runs the check and forwards it to the OIC. You do not get a copy. A record does not automatically end an application; the OIC reviews each case on its own facts, and fraud, theft, and dishonesty offenses are the hardest. Disclose everything.
These state fees are the same numbers on our published Washington guide, last verified October 18, 2026. Confirm current amounts with the Washington OIC before you pay.
The next step is fit, not cost. Take the free career fit assessment below.