New York · State licensing
Pass the New YorkLife & Health insurance license exam.
New York requires 20 pre-licensing hours per line and uses PSI for testing. The state insurance regulator (DFS) treats L&H separately from securities even though many candidates carry both.
Quick facts
- Testing vendor
- PSI
- Passing score
- 70%
- Pre-licensing hours
- 40h combined
- Application fee
- $80
- Exam fee
- $33 per attempt
- Combined exam length
- 150 Q · 180 min
Source: www.dfs.ny.gov. Confirm before you register, state schedules change.
Get on the New York waitlist.
We're building the New York-specific question bank now. Waitlist members get 14-day early access and the cheat-sheet PDF.
What's on the New YorkL&H exam.
The New York L&H exam is administered by PSI after you finish a state-approved 40-hour pre-licensing course. The combined exam runs 150 questions with a 180-minute time limit. Passing requires 70%.
Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.
New York exam FAQ.
- What's the passing score for the New York L&H exam?
- 70%.
- Does New York accept online pre-licensing?
- Yes, DFS approves both classroom and online providers. Online self-paced courses must include proctored final assessments to count.
- How many questions are on the NY Life exam?
- Around 75 questions in 90 minutes. The Accident-Health exam mirrors that structure.
- Who administers the New York L&H exam?
- PSI Services for the Department of Financial Services.
Licensing in other states too?
Each state has its own vendor, hours, and fee schedule.