WY Life & Health case studies
WY Life & Health · Put your knowledge to work in context.
Wyoming's life and health insurance producer license is a credential issued by the Wyoming Department of Insurance - the agency whose stated mission is to enforce the state's insurance laws and regulations and to serve insurance consumers. The Department's website maintains a dedicated section for agents, agencies, and adjusters to obtain or renew a license and to view continuing education information. The WY Life & Health case studies are 5 cases and about 4,000 words.
1The Replacement Sale That Went Sideways
Karen is a Wyoming-licensed life producer. In March she takes an application from Marcus, 58, for a 250,000 whole life policy intended to replace his existing 200,000 policy with another insurer.
800 words, about 4 min2How Much Term Does Dana Actually Need?
Dana, 38, is a hospital pharmacist earning 85,000; her husband earns 52,000. They have two children, ages 3 and 6, a mortgage balance of 212,000 with 22 years remaining, childcare costs of 14,000 a year, a 120,000 college goal, 31,000 in credit-card and auto debt, and 15,000 earmarked for final expenses.
758 words, about 4 min3Incontestability, Age, and a Reinstatement
Rashid applied in February 2023 for a 500,000 20-year term policy and listed his birth year as 1978 (age 45). He was actually born in 1974; at his true age the annual premium would have been 1,340 instead of the $1,150 he was charged.
766 words, about 4 min4Two Plans, One Hospital Bill
Elena and Ben Delgado both carry family coverage through their employers, and their 9-year-old daughter Mia has both cards. Elena's birthday is March 2; Ben's is June 17.
802 words, about 4 min5A Dentist's Hands
Priya, 52, is an endodontist earning 240,000. Her individual disability policy pays 7,500 a month, has a 90-day elimination period, defines total disability as inability to perform the material duties of her own occupation for the first 5 years and any occupation thereafter, and carries a residual disability rider paying a proportional benefit for income loss of 20% or more.
874 words, about 4 min