Minnesota Life, Accident & Health Insurance License Practice Exam
145 questions (general + Minnesota state sections), 70% to pass. 20 hours pre-licensing required. PSI fingerprinting on exam day ($63.75). Score valid 3 years. PSI — not Pearson VUE.
Minnesota Life, A&H — Study by Topic
Drill Minnesota state law (~40 items, ~28% of exam) or practice general concepts. Full 145-question timed exam available. Score valid 3 years.
Life Insurance
Term, whole life, universal life, variable, annuities, Annuity Best Interest, riders, nonforfeiture, settlement options, beneficiaries.
Health & A/H
Individual/group health, disability income, LTC (8-hr initial + 5-hr refresher), Medicare supplement (A–N), COBRA, ACA, MinnesotaCare, MNsure.
Minnesota State Law
DOC, PSI, 20-hr pre-licensing, lifetime certificate, PSI fingerprinting $63.75, 3-yr score validity, 24 CE hrs, no carryover, 12 hrs classroom, MinnesotaCare, MNsure.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, Social Security.
🌟 Full MN Exam
145-question timed exam simulating the PSI Minnesota Life, A&H exam. 3 hours. Single combined 70% to pass. Score valid 3 years.
About the Minnesota Life, Accident & Health Insurance License Exam
To get your Minnesota Life & Health insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $65. Minnesota is regulated by the Minnesota Department of Commerce (MN DOC) under Minnesota Statutes Chapter 60A–65B. Visit mn.gov/commerce for official licensing information. No pre-licensing required; pre-licensing certificate has LIFETIME validity once earned; 3-year score validity (longest in portfolio); Commissioner appointed; PSI Bridge available; no CE carryover; $50/line renewal; Minnesota Life and Health Guaranty Association §61B.
Pre-licensing education in Minnesota: None required. Continuing education: 24 hours + 3 ethics biennial. License renewal fee: $50/line biennial. CE must be completed before submitting your Minnesota renewal application. How to get licensed in Minnesota: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Minnesota producer license.
How to get a Minnesota Life & Health insurance license in 2026: The Minnesota Department of Commerce (MN DOC) (mn.gov/commerce) administers all producer licensing in Minnesota. Exam: PSI Services LLC, $65, 70%. Pre-licensing: None required. Once licensed, maintain your Minnesota Life & Health license by completing 24 hours + 3 ethics biennial and paying the $50/line biennial renewal. For questions contact the Minnesota Department of Commerce (MN DOC).
MN DOC (mn.gov/commerce). MN Statutes Chapter 60K-65B. No pre-licensing. Lifetime pre-licensing certificate validity. 3-year score validity. Commissioner appointed. PSI Bridge available. No CE carryover. $50/line renewal. MN L&H Guaranty §61B.
Frequently Asked Questions — Minnesota Life, A&H Exam
How do I get a Minnesota Life & Health insurance license?
To become a licensed Life & Health producer in Minnesota: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($65, 70%); (4) Apply for your Minnesota producer license. The Minnesota Department of Commerce (MN DOC) (mn.gov/commerce) oversees all insurance producer licensing in Minnesota.
What exam does Minnesota use for Life & Health insurance licensing?
Minnesota uses PSI Services LLC to administer the Life & Health insurance licensing exam. Fee: $65. Passing score: 70%. No pre-licensing required; pre-licensing certificate has LIFETIME validity once earned; 3-year score validity (longest in portfolio); Commissioner appointed; PSI Bridge available; no CE carryover; $50/line renewal; Minnesota Life and Health Guaranty Association §61B.
Does Minnesota require pre-licensing for Life & Health insurance?
None required. For official pre-licensing provider information, visit mn.gov/commerce.
What are Minnesota's CE requirements for Life & Health producers?
Minnesota requires: 24 hours + 3 ethics biennial. Renewal fee: $50/line biennial. CE must be completed before submitting the renewal application. Contact the Minnesota Department of Commerce (MN DOC) at mn.gov/commerce for CE provider information.
What makes Minnesota unique for Life & Health insurance licensing?
No pre-licensing required; pre-licensing certificate has LIFETIME validity once earned; 3-year score validity (longest in portfolio); Commissioner appointed; PSI Bridge available; no CE carryover; $50/line renewal; Minnesota Life and Health Guaranty Association §61B.
Practice Exam Questions — Minnesota Life & Health
5 state-specific questions drawn from the Minnesota exam content outline. Correct answer highlighted in green.
Minnesota L&H exams are administered by:
- Pearson VUE
- Prometric
- PSI Services LLC — PSI Bridge available; exam fee $65; 70% to pass; no pre-licensing required; 3-year score validity (unique — longest in portfolio)
- The Minnesota DOC directly
Minnesota's 3-year score validity is:
- The standard validity — same as most portfolio states
- Shorter than average
- The longest score validity in the portfolio — most states give 1 year; Minnesota gives 3 years from passing before requiring a retake
- The same as Oregon and Wisconsin
Minnesota CE requires:
- 24 hours + 3 ethics biennial — no CE carryover; Commissioner appointed; $50/line renewal biennial; MN Statutes Chapters 60A-65B
- 30 hours triennial
- 16 hours biennial
- 12 hours annual
Minnesota's pre-licensing certificate has a validity period of:
- 2 years (same as Arkansas)
- 1 year
- Lifetime — unique in the portfolio; Minnesota has no formal pre-licensing requirement for major lines, but any voluntary pre-licensing certificate earned never expires in Minnesota
- 6 months only
Minnesota's primary insurance statute is:
- MN Statutes Chapter 45 — Commerce Department
- Minnesota Statutes Chapters 60A-65B — comprehensive insurance statutes; MN DOC at mn.gov/commerce; Commissioner appointed; 85 7th Place East, Suite 280, St. Paul MN 55101
- Minnesota Administrative Rules Chapter 2780
- Minnesota Statutes Chapter 72 — Insurance only