Washington (WA)
This is one of three parallel state pages built off one framework (see also 10 CA and 11 NY). The concepts are portable; every number/citation is VERIFY.
The regulator (stable)
Section titled “The regulator (stable)”- Washington Office of the Insurance Commissioner (OIC) — an elected Insurance Commissioner. STABLE
- Statute body: RCW Title 48 (Insurance) + WAC Title 284 (regulations). STABLE
- Starting point: insurance.wa.gov
The five-step path in WA (framework)
Section titled “The five-step path in WA (framework)”Same shape as the national path: pre-licensing → exam → background check → application → appointment. Resident state first, then expand by reciprocity. GROUNDED · Westmont
What to verify for WA
Section titled “What to verify for WA”| Item | Status | Where to confirm |
|---|---|---|
| Pre-licensing hours (P&C / L&H) and whether mandatory | VERIFY | WA OIC (insurance.wa.gov) |
| Exam vendor (PSI / Pearson VUE / Prometric) | VERIFY | WA OIC, then the vendor site |
| # questions, time limit, passing score | VERIFY | the vendor’s current candidate handbook |
| Whether P&C is one combined exam or two | VERIFY | WA OIC + vendor handbook |
| Application / exam / license / renewal fees | VERIFY | WA OIC fee schedule + NIPR |
| Fingerprinting required? vendor? fee? | VERIFY | WA OIC background-check instructions |
| CE hours (+ ethics subset) and renewal cycle | VERIFY | WA OIC CE rules |
| DRLP must be an officer? affiliation notices? | VERIFY | WA OIC entity-licensing pages |
| Non-resident reciprocity treatment | VERIFY | WA OIC non-resident page + NAIC PLMA status |
| Separate MGA registration / bond? | VERIFY | WA OIC + WA Managing General Agents Act (RCW 48) |
| Surplus-lines broker license, tax, stamping | VERIFY | WA OIC surplus-lines section |
State-portion exam topics (concepts — stable)
Section titled “State-portion exam topics (concepts — stable)”Expect the WA law portion to test:
- Licensing rules — license types, lines of authority, resident/non-resident, DRLP, appointments/terminations, temporary licenses.
- Commissioner powers — examinations, hearings, fines, license suspension/ revocation, certificate of authority for insurers, the WA guaranty association.
- Trade practices & consumer protection — unfair trade practices, unfair claims settlement practices, prohibited acts (misrepresentation, twisting, churning, rebating, defamation, coercion). See 12 Ethics & trade practices.
- WA-specific provisions — any RCW Title 48 quirks. VERIFY the statute citations.
For the Glacis MGA in WA
Section titled “For the Glacis MGA in WA”- Target the Casualty / P&C line (Tech E&O is casualty) — see 03 Lines of authority.
- If WA is the resident/primary-business state, license here first; if it’s a selling state or where insureds sit, it’s a non-resident filing for Joe and the entity (Joe = DRLP). GROUNDED · Westmont
- Confirm WA’s MGA and surplus-lines requirements before binding.
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