Minnesota Life, Accident & Health Insurance License Practice Exam
145 items (130 scored plus 15 unscored pretest; general Life, general A&H, and Minnesota state sections), 70% to pass. 20 hours of pre-licensing per line. PSI fingerprinting on exam day ($66.75). Exam results valid 3 years.
Minnesota Life, A&H — Study by Topic
Drill Minnesota state law (30 scored items, about 23% of the 130 scored questions) or practice general concepts. Full 145-question timed exam available. Exam results 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, long-term care, Medicare supplement, COBRA, HMOs, PPOs.
Minnesota State Law
Commerce Department, PSI, 20 hours of pre-licensing per line, fingerprinting ($66.75 at PSI), 3-year exam validity, 24 CE hours including 3 ethics, appointments, trade practices, guaranty association.
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. 70% to pass. Exam results valid 3 years.
About the Minnesota Life & Health Insurance Exam
The Minnesota Life, Accident & Health Producer exam is administered by PSI Services LLC for the Minnesota Department of Commerce, which licenses resident producers. It is a single three-hour exam with 130 scored questions plus 15 unscored pretest items: 50 Life general, 50 Accident & Health general, and 30 Minnesota state-law questions. PSI's bulletin says you need 70% correct to pass. First-time applicants complete 20 hours of pre-licensing education per line of authority (Minn. Stat. § 60K.36, subd. 4) and must be fingerprinted for a criminal history check.
Minnesota also offers separate 2-hour Life Producer and Accident & Health Producer exams, and the $45 PSI fee is the same for each exam. Exam results are valid for three years, but the fee is forfeited if you do not test within one year of PSI receiving it. Take the exam only after finishing pre-licensing: Commerce warns that testing early forfeits your fee and the result will not count, even if you pass.
Minnesota Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Life — Types of Policies | 15 | Whole life (traditional, limited-pay, single-premium), universal, variable, indexed, term, annuities, joint and survivorship life |
| Life — Provisions, Riders, Options, and Exclusions | 15 | Waiver of premium, guaranteed insurability, accidental death, LTC riders, free look, beneficiary designations, reinstatement, nonforfeiture, dividends, incontestability, settlement options |
| Life — Application, Underwriting, and Policy Delivery | 12 | Application requirements, risk classification, replacement, privacy and disclosure laws, insurable interest, STOLI/IOLI, contract law |
| Life — Retirement and Other Insurance Concepts | 8 | Third-party ownership, life settlements, group life, retirement plans, needs analysis, Social Security, tax treatment |
| A&H — Types of Policies | 16 | Disability income, accidental death, medical expense plans (HMO, PPO, POS, HDHP/HSA, FSA, HRA), Medicare Supplement, group, COBRA, long-term care, supplemental policies |
| A&H — Policy Provisions, Clauses, and Riders | 15 | Mandatory and optional provisions, claims, probationary and elimination periods, exclusions, pre-existing conditions, coinsurance, deductibles, renewability |
| A&H — Social Insurance | 6 | Medicare Parts A to D, Medicaid, Social Security benefits |
| A&H — Other Insurance Concepts | 5 | Disability definitions, coordination of benefits, managed care, workers' compensation, subrogation, cost containment |
| A&H — Field Underwriting Procedures | 8 | Application completion, sources of insurability, receipts, policy delivery, replacement, contract law |
| MN — State Laws Common to Life, Health, Property, and Casualty | 20 | Commissioner's powers, licensing and appointments, trade practices, compensation, advertising, guaranty association |
| MN — State Laws Pertinent to Life Insurance Only | 5 | Beneficiaries, creditor protection, policyowner rights and right to cancel, grace period, back dating, credit insurance, group life, replacement |
| MN — State Laws Pertinent to Health Insurance Only | 5 | Required policy clauses and mandates, continuation and conversion, maternity, mental health and chemical dependency benefits, Medicare Supplement, long-term care, HMOs, small employer reform |
Counts are scored questions from the PSI Minnesota Life, Accident & Health Producer content outline: 50 Life general, 50 Accident & Health general, and 30 state (130 scored), plus 5 unscored pretest questions in each of the three sections (15 in all). Pretest items are not identified on the exam.
What Makes the Minnesota Life & Health Exam Different
Minnesota state law is its own scored section. The state section is 30 scored questions, and two thirds of it (20 items) covers laws common to all lines: the Commissioner's powers, licensing and appointments, trade practices, compensation, advertising, and the guaranty association. Only 5 items each are life-only and health-only, so the common rules matter more than any single product law.
20 hours of pre-licensing per line of authority. Minnesota's statute sets the course of study at 20 hours per major line (Minn. Stat. § 60K.36, subd. 4). Exemptions exist for certain Minnesota insurance degrees, business degrees with an insurance emphasis, and designations such as CLU, ChFC, CIC, CFP, FLMI, and LUTCF for life, or RHU, CEBS, REBC, and HIA for health. Course providers certify completion to Commerce electronically, exemption documents are presented at the exam center, and your name must match your photo ID (PSI bulletin).
Fingerprinting is part of the process. Minnesota requires a criminal history check for producer applicants (Minn. Stat. § 60K.37, subd. 2a). PSI offers electronic fingerprinting after the exam for $66.75, which PSI recommends, and the Commerce Department also accepts a manual card, consent form, and $35 check.
Exam results last three years. Under Minn. Stat. § 60K.36, subd. 6, results are valid for three years from the exam date. Commerce directs applicants to apply through Sircon after passing the exam and submitting fingerprints, and PSI's bulletin says the application must be submitted within 36 months of passing.
Appointment is required to transact business. A licensed producer may do business with an insurer only if appointed, and the insurer must file the appointment within 15 days of the executed agency contract or the first application (Minn. Stat. § 60K.49, subds. 2 and 4).
Separate Life and A&H exams exist. If you only want one line, the Life Producer and Accident & Health Producer exams are each 2 hours. The combined exam on this page is 3 hours and tests both lines plus a single state section.
Sample Minnesota Life & Health Insurance Exam Questions
1. Under Minnesota law, a life insurance policy must state that it is incontestable after how long, during the lifetime of the insured?
2. A Minnesota producer completes the 24 CE hours required in a licensing period. What is the maximum number of those hours that may come from courses sponsored by or affiliated with an insurance company or its agents?
3. A Minnesota-licensed producer accepts a first application on behalf of an insurer on March 1 and has not been appointed. By when must the insurer file the appointment?
Study Tips for the Minnesota Life & Health Exam
Life and A&H general knowledge are each 50 of the 130 scored questions, so neither can be skipped. The largest single topics are Accident & Health types of policies (16 items) and the life policy types and provisions sections (15 items each), so learn product structure and the main riders and provisions first.
The 30-question state section is worth about 23% of the scored questions. Spend most of that time on the 20 items that apply to all lines (Commissioner, licensing and appointments, trade practices, compensation, advertising, guaranty association).
Preparing for P&C too? See our Minnesota Property & Casualty practice exam. Nearby: the Wisconsin Life & Health practice exam.
How to Get Your Minnesota Life & Health Insurance License
There are four steps to get your Minnesota Life, Accident & Health insurance producer license.
Steps to Get Your Minnesota Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-Licensing Education | Complete 20 hours of Commerce-approved pre-licensing education for each line of authority, such as Life and Accident & Health. Do this before the exam: testing early forfeits your exam fee and the result does not count. |
| 2. Pass the PSI Exam & Be Fingerprinted | Schedule with PSI at 866-395-1006 or test-takers.psiexams.com/mnins and pay the $45 fee. You need 70% correct on the combined exam. Fingerprinting after the exam at a PSI Minnesota site costs $66.75. |
| 3. Apply for the License | Submit the producer application online through Sircon on the Minnesota Department of Commerce resident producer page. You can apply after passing the exam and submitting fingerprints, and results are valid for three years. |
| 4. Get Appointed & Keep Current | An appointment from an insurer is required to transact business in Minnesota. Then complete 24 CE hours, including 3 hours of ethics, before each renewal deadline. |
Minnesota Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Minimum age | 18 (Minn. Stat. § 60K.37, subd. 2) |
| Pre-license education | 20 hours per line of authority (Minn. Stat. § 60K.36, subd. 4) |
| Exam | Life, Accident & Health Producer: 130 scored + 15 unscored pretest items (50 Life, 50 A&H, 30 state) |
| Time limit | 3 hours (separate Life or A&H exams: 2 hours each) |
| Passing score | 70% correct (per PSI candidate bulletin) |
| Exam fee | $45 (PSI); non-refundable, forfeited if not used within 1 year |
| Fingerprints | Required; $66.75 at a PSI site on exam day, or manual card with $35 check |
| Exam result validity | 3 years (Minn. Stat. § 60K.36, subd. 6) |
| License term | Expires the last day of the birth month; first term 12 to 24 months, then 24-month renewals (Minn. Stat. § 60K.55) |
| Continuing education | 24 hours per licensing period, including 3 ethics; at most half company-affiliated |
| Exam provider | PSI Services LLC |
| Licensing authority | Minnesota Department of Commerce |
Verified against the PSI Minnesota Candidate Information Bulletin and content outline, the Minnesota Department of Commerce licensing and CE pages, and Minnesota Statutes chapter 60K. Confirm current fees with Commerce and PSI before you apply.
Our free Minnesota Life & Health practice exam covers general and state content. You can also try the life & health practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Minnesota Life & Health Insurance Exam
How many questions are on the Minnesota Life, Accident & Health exam?
The combined exam has 130 scored questions: 50 Life general, 50 Accident & Health general, and 30 Minnesota state-law questions. PSI's outline also lists 5 unscored pretest questions in each section, so 145 items may be delivered. You have 3 hours.
What is the passing score for the Minnesota insurance exam?
PSI's bulletin says you need 70% correct to pass the exam. The bulletin does not split the 70% by section, and the score report shows your strengths and weaknesses by examination type if you fail.
How many pre-licensing hours does Minnesota require?
First-time applicants complete 20 hours of Commerce-approved pre-licensing education per line of authority (Minn. Stat. § 60K.36, subd. 4). Some Minnesota insurance degrees and professional designations are exempt.
How much does the Minnesota insurance exam cost?
The PSI fee is $45 per producer exam, and it is non-refundable and non-transferable. Fingerprinting at a PSI site adds $66.75.
Does Minnesota require fingerprints for an insurance license?
Yes. Producer applicants must be fingerprinted for a criminal history check. PSI recommends doing it electronically at a PSI Minnesota site on exam day for $66.75, and skipping it delays licensing. Alternatively you can submit a manual fingerprint card, a consent form, and a $35 check to the Commerce Department. The consent form expires one year after signing.
How long are Minnesota insurance exam results valid?
Examination results are valid for three years from the date of the exam (Minn. Stat. § 60K.36, subd. 6). PSI's bulletin also notes that a producer license application must be submitted within 36 months after passing, and that the exam fee is forfeited if you do not test within one year of PSI receiving it.
Can I take only the Life or only the Accident & Health exam in Minnesota?
Yes. Life Producer and Accident & Health Producer are separate 2-hour exams, and the combined Life, Accident & Health Producer exam is 3 hours.
What are Minnesota's continuing education requirements for producers?
Producers must complete 24 hours of CE before the license renewal deadline, including 3 hours of ethics. No more than half of the hours may come from courses sponsored by or affiliated with an insurance company or its agents (Minn. Stat. § 60K.56), and Commerce says you cannot repeat the same course in a licensing period or earn credit for more than 8 hours in one day. Individual licenses expire on the last day of the producer's birth month, and the Commerce Department lists producer renewal at $50 per line of authority plus the technology surcharge.