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New York · State licensing

Pass the New York Life & 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 answer: The New York Life & Health insurance license exam is administered by PSI as a 150-question combined exam with a 180-minute limit, and you need 70% to pass. New York requires 40 hours of pre-licensing education before you can sit. The exam fee is $33 per attempt.

Try the free New York practice exam →

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.

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Full New York state-law lessons, a New York-tuned question bank, and full-length mock exams at the real 70% passing line. Start with the free 25-question readiness exam. No card.

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What's on the New York L&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.

What it costs to get licensed in New York.

Plan for roughly $153–$188 in mandatory New York state and vendor fees before any study materials, plus the cost of the required 40-hour pre-licensing course.

License application
$80
Exam fee
$33 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
40 hours required

A retake means paying the $33 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

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.