New York Life & Health Insurance License Practice Exam
100 practice questions covering national life & health concepts and New York-specific regulations.
About the New York Life & Health Insurance Exam
To get your New York Life & Health insurance license, you must pass the state licensing exam administered by Pearson VUE with a passing score of 70%. Exam fee: $40–$80. New York is regulated by the New York State Department of Financial Services (NYDFS) under New York Insurance Law. Visit dfs.ny.gov for official licensing information. Superintendent of Financial Services (not Commissioner) appointed by Governor; only 15 CE hours biennial (lowest in portfolio); extensive pre-licensing hours; NYDFS regulates banking + insurance together; New York L&H Guaranty Corporation; large and complex market; Article 16 Variable Life; NY-specific policy forms required.
Pre-licensing education in New York: 40 hours (Life) or 90 hours (Accident & Health) or varies by line. Continuing education: 15 hours biennial (lowest in portfolio). License renewal fee: biennial. CE must be completed before submitting your New York renewal application. How to get licensed in New York: complete pre-licensing → submit background check/fingerprinting → pass Pearson VUE exam → apply for New York producer license.
How to get a New York Life & Health insurance license in 2026: The New York State Department of Financial Services (NYDFS) (dfs.ny.gov) administers all producer licensing in New York. Exam: Pearson VUE, $40–$80, 70%. Pre-licensing: 40 hours (Life) or 90 hours (Accident & Health) or varies by line. Once licensed, maintain your New York Life & Health license by completing 15 hours biennial (lowest in portfolio) and paying the biennial renewal. For questions contact the New York State Department of Financial Services (NYDFS).
NYDFS (dfs.ny.gov). NY Insurance Law. Superintendent (not Commissioner) appointed by Governor. 15 CE hours biennial (lowest in portfolio). High pre-licensing hours. NY L&H Guaranty Corporation. Large diverse L&H market. NY-specific policy forms required.
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 — New York L&H Insurance Exam
How do I get a New York Life & Health insurance license?
To become a licensed Life & Health producer in New York: (1) Complete any required pre-licensing education (40 hours (Life) or 90 hours (Accident & Health) or varies by line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Pearson VUE exam ($40–$80, 70%); (4) Apply for your New York producer license. The New York State Department of Financial Services (NYDFS) (dfs.ny.gov) oversees all insurance producer licensing in New York.
What exam does New York use for Life & Health insurance licensing?
New York uses Pearson VUE to administer the Life & Health insurance licensing exam. Fee: $40–$80. Passing score: 70%. Superintendent of Financial Services (not Commissioner) appointed by Governor; only 15 CE hours biennial (lowest in portfolio); extensive pre-licensing hours; NYDFS regulates banking + insurance together; New York L&H Guaranty Corporation; large and complex market; Article 16 Variable Life; NY-specific policy forms required.
Does New York require pre-licensing for Life & Health insurance?
40 hours (Life) or 90 hours (Accident & Health) or varies by line. For official pre-licensing provider information, visit dfs.ny.gov.
What are New York's CE requirements for Life & Health producers?
New York requires: 15 hours biennial (lowest in portfolio). Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the New York State Department of Financial Services (NYDFS) at dfs.ny.gov for CE provider information.
What makes New York unique for Life & Health insurance licensing?
Superintendent of Financial Services (not Commissioner) appointed by Governor; only 15 CE hours biennial (lowest in portfolio); extensive pre-licensing hours; NYDFS regulates banking + insurance together; New York L&H Guaranty Corporation; large and complex market; Article 16 Variable Life; NY-specific policy forms required.