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North Dakota · State licensing

Pass the North Dakota Life & Health insurance license exam.

North Dakota requires no pre-licensing education and tests Life and Annuity and Accident and Health as separate PSI exams, each with 110 questions, a 150 minute limit, a 64 dollar fee, and a 70 percent passing score.

Quick answer: The North Dakota Life & Health insurance license exam is administered by PSI as a 110-question combined exam with a 150-minute limit, and you need 70% to pass. North Dakota does not require pre-licensing education before you sit. The exam fee is $64 per attempt.

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Quick facts

Testing vendor
PSI
Passing score
70%
Pre-licensing hours
Not required
Application fee
$100
Exam fee
$64 per attempt
Combined exam length
110 Q · 150 min

Source: www.insurance.nd.gov. Confirm before you register. State schedules change.

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What's on the North Dakota L&H exam.

The North Dakota L&H exam is administered by PSI. The combined exam runs 110 questions with a 150-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 North Dakota.

Plan for roughly $204–$239 in mandatory North Dakota state and vendor fees before any study materials.

License application
$100
Exam fee
$64 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
Not required

A retake means paying the $64 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.

North Dakota exam FAQ.

Does North Dakota have a combined Life and Health exam?
No, North Dakota tests Life and Annuity and Accident and Health as two separate exams, each with 110 questions and a 150 minute limit.
What are the fees to get licensed in North Dakota?
Each PSI exam costs 64 dollars and the state resident producer license application fee is 100 dollars.
Is pre-licensing education required in North Dakota?
No, North Dakota law does not require classroom instruction before taking the licensing examinations.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.