New York Insurance License Requirements – Life & Health Insurance Licenses

on this page, you will find all the state specific information for insurance licensing in new york state. this information refers to applicants for residence licenses. For additional resident license information, or for nonresident license information, see the New York State Department of Insurance website at http://www.ins.state.ny.us. information is subject to change and we will do our best to make the process of completing the educational requirements for licensing as simple as possible.

new york state department of financial services

insurance divisionone commerce plaza, suite 2003 albany, new york 12257phone: 518-474-6630fax: 518-474-5048website: http://www.dfs.ny.govemail:[email protected]

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how to get your new york insurance license

1. complete an insurance pre-licensing course

new york requires those seeking an insurance license to complete the pre-licensing before taking the state licensing exam. prelicensing courses with kaplan give you the best chance of passing – our pass rates are among the highest in the industry.

Pre-licensing education hour requirements

• life, accident & health: 40 hours (for live class approvals, a minimum of 20 class hours is required).
• life (only): 20 hours (for live class approvals, a minimum of 10 class hours is required).
• accident & health (only): 20 hours (for live class approvals, a minimum of 10 class hours is required).
• property & accident: 96 hours (for live class approvals, a minimum of 90 class hours is required).
• personal lines: 43 hours (for live class approvals, a minimum of 40 class hours is required).

acceptable methods of education

• classroom (traditional or live online)
• online

live class requirements

• Pre-class study (must be completed before attending live class): 10 hours (20-hour life-only class and 20-hour health-only class), 20 hours (40-hour class hours on life and health)
• in-class exam: in new york, a graded in-class exam is held at life & health class to assess your readiness for the state exam. the test must be passed with 70% or better to receive a certificate of completion. You must pass the final exam in one session within a time limit of 90 minutes.

online course requirements

• Forced Progression – This requires the user to successfully complete each page of the online course before being allowed to continue to the next.
• As of 11/3/2020, the new york insurance department permanently removed the requirement for an EOC proctor/instructor. however, students will be required to complete the end-of-course exam.

pre-licensing education exemptions

Candidates with the following designations or certifications are exempt from the pre-licensing education requirements and Part 1 of the exam. to obtain the license:

• clu® appointees need only take life & review of health laws and regulations.
• cpcu® appointees need only take ownership & review of claims laws and regulations.

2. pass your new york license exam

After completing the required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the New York licensing exams, so you’ll be prepared to pass the first time.

certificate of completion requirements

• To receive a school certificate, candidates must meet all prelicensing course attendance requirements and pass the course final exam (a minimum score of 70% is required).
• Candidates must retain the certificate permanently, but it is not required for the exam.
• When submitting a license application, the applicant must present evidence that they possess a school certificate.
• Certificates are valid for life.
• The state requires those who sign up for the live online premium package to answer attendance verification poll questions for the entire class live online for credit.

test provider: psi

frequently asked questions about the new york license exam

After completing my pre-licensing, how should I prepare for test day?

test preparation

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The following suggestions will help you prepare for your exam.

• planned preparation increases the probability of passing.
• Start with a current copy of the Candidate Information Bulletin and use the Exam Content Summary as the basis of your study.
• read study materials that cover all topics in the content outline.
• take notes on what you study. Putting information in writing helps you memorize it and is also a great business practice. underline or highlight key ideas that will help with a later review.
• Discuss new terms or concepts as often as possible with your colleagues. this will test your understanding and reinforce ideas.
• Your studies will be most effective if you study often, for periods of about 45 to 60 minutes. concentration tends to wander when you study for long periods of time.
• You can take a practice exam online at www.psiexams.com to prepare for your new york insurance exam. Please note that practice exams are intended solely to help test candidates become familiar with the general types of questions that will appear on a licensing exam and do not contain actual questions that are asked on the exam. Practice tests are not a substitute for proper education and study. Getting a good score on the practice exam does not guarantee that you will pass an actual licensing exam.
  • note: you can take the practice tests an unlimited number of times; however, you will need to pay each time.

  exam day

  On the day of the exam, you must arrive at least 30 minutes before your appointment. this additional time is for registration, identification, and familiarization with the testing process. if you are late, you may not be admitted to the test site and you will forfeit your test registration fee.

  ID required

  Candidates must register for the exam using their legal first and last name as it appears on their government-issued identification. The ID required below must match the first and last name the candidate is registered with. Candidates are required to bring one (1) form of identification with a valid (unexpired) signature to the testing site. If the candidate does not bring proper identification or the names of the candidates do not match, the candidate will not be allowed to take the exam and the exam fee will not be refunded.

  Primary ID (with photo): choose one

  • state issued driver’s license
  • state issued identification card
  • passport issued by the United States government
  • military identification card issued by the United States government
  • alien registration card issued by the us government. uu.
  • Canadian government issued ID

  Note: The identification must contain the candidate’s photo, be valid and current.

  security procedures

  The following security procedures apply during exams:

  • You will be given a piece of scratch paper and a pencil. these will be returned to the proctor at the end of your exam.
  • You will have access to an online calculator.
  • Only non-programmable calculators that are silent, battery-powered, do not have paper-tape printing capabilities, and do not have a keyboard containing the alphabet will be allowed on the test site.
  • All personal belongings of candidates must be placed in the secure storage provided at each site before entering the exam room. personal belongings include, but are not limited to, the following items:
    • electronic devices of any kind, including cell/mobile phones, recording devices, electronic watches, cameras, pagers, laptops, tablets (p. ipads), music players (e.g. ipods), smart watches, radios, or electronic games.
    • bulky or loose clothing or coats that could be used to conceal recording devices or notes. For safety reasons, outerwear such as but not limited to: open sweaters, cardigans, shawls, scarves, hoodies, vests, jackets, and coats are not permitted in the testing room. in the event you are required to remove outer clothing, you must wear appropriate clothing underneath, such as a shirt or blouse.
    • hats or headgear not worn for religious purposes or as religious attire, including hats, baseball caps, or visors.
    • other personal items, including purses, notebooks, reading or reference material, briefcases, backpacks, wallets, pens, pencils, other writing devices, food, drinks, and good luck items.
    • People accompanying an exam candidate may not wait in the exam center, inside the building, or on the building property. this applies to guests of any nature, including drivers, children, friends, family, colleagues or instructors.
    • No smoking, eating, or drinking is allowed in the test center.
    • During the registration process, all candidates will be asked if they possess any prohibited items. Candidates may also be asked to empty their pockets and give them to the supervisor to ensure they are empty. the proctor may also ask candidates to roll up the ends of their sleeves and the bottoms of their pants legs to ensure no notes or recording devices are hidden there.
    • Supervisors will also carefully inspect eyeglass frames, tacks, or any other clothing that may be used to house a recording device. Proctors will request to inspect such items in candidates’ pockets.
    • If prohibited items are found during check-in, candidates must place them in the secure storage provided or return these items to their vehicle. psi will not be responsible for the security of personal belongings or prohibited items.
    • Any candidate who possesses prohibited items in the exam room must immediately invalidate their test results, and psi must notify the exam sponsor of the fact.
    • Any candidate seen giving or receiving assistance in an exam, encountering unauthorized materials, or violating security regulations will be asked to surrender all exam materials and leave the test center. all such cases will be reported to the exam sponsor.
    • Once candidates have been seated and the exam begins, they may leave the exam room only to use the restroom and only after obtaining permission from the proctor. the candidate will not receive additional time to complete the exam.

    How is the exam?

    • The exam will be administered by computer. You will use a computer mouse and keyboard.
    • You will be directed to a semi-private testing station to take the exam.
    • When you are seated at the testing station, you will be asked to confirm your name, ID number, and the exam you are registered for.
    • Before you begin your exam, an introductory tutorial on the computer and keyboard is provided on the computer screen. the time you spend on this tutorial, up to 15 minutes, does not count as part of your exam time. Sample questions are included after the tutorial so you can practice using the keys, answer questions, and review your answers.
    • The “feature bar” at the top of the exam question screen provides one-mouse access to available features while taking the exam.
    • one question appears on the screen at a time.
    • During the exam, the remaining minutes will be displayed at the top of the screen and will update as you record your answers.
    • Important: Once you have entered your answers, you can return to any question and change your answer, as long as the exam time has not expired.

    How is the exam scored?

    exam evaluation

    psi, in cooperation with the new york state department of financial services, will continually evaluate the exams that are administered to ensure that the exams accurately measure competency in the required knowledge areas.

    While taking the exam, examinees will have the opportunity to provide feedback on any question using the feedback key on the keyboard. These comments will be reviewed by the PSI test development staff. psi does not respond to people regarding these comments, all substantive comments are reviewed. this is the only review of exam materials available to candidates.

    score report

    Your score will be provided to you immediately upon completion of the exam. To pass the exam, you must achieve a minimum score of 70%. your results will be given to you immediately after the completion of the exam.

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    If you pass, you will receive an exam results report stating “passed”. If you don’t pass, you’ll receive a diagnostic report outlining your strengths and weaknesses.

    3. apply for a new york insurance license

    it will be assigned an npn. This unique identifier is assigned through the license application process and is used to track individuals and business entities nationwide. many states use the npn to replace a producer’s license number.

    license application

    After passing the licensing exam (if an exam is required), you must submit your license application to the department, along with any other documentation required for the type of license you are seeking. information about applying for a license can be found on the department’s website here.

    Important: Applications must be received within two years of the exam passing date. incomplete applications or applications without the required fee will not be accepted or filed.

    requirements to take the test again

    If you were previously licensed but have not been licensed within the two years immediately preceding the date of application, you must:

    • pass the appropriate licensing exam administered by psi; and
    • submit an application and any required documentation listed in the appropriate application sections below.

    Licensing requirements based on residency

    The requirements to obtain a license vary depending on whether you are a resident or a non-resident. A resident licensee is one who has declared New York as the home state.

    A nonresident licensee is one who has declared a state other than New York as the home state and holds a valid license for the lines of authority for which he or she applies in New York.

    home state is defined as the district of columbia or any state or territory of the united states in which the applicant maintains a principal place of residence or principal place of business.

    resident license requirements

    Generally, to qualify for a New York Resident Insurance License, you must:

    • be at least 18 years of age.
    • meet all necessary pre-licensing education requirements.
    • pass appropriate licensing exams, if required.
    • apply to the department for a license within two years of passing the exam.
    • pay the appropriate license fee.

    Licensing requirements for non-residents

    If you wish to obtain a New York State non-resident license, you must submit a non-resident license application and pay the appropriate fees. You must have a current license and meet the requirements in your stated state of residence.

    4. plan to complete required insurance continuing education (ce) credits

    All insurance producers must comply with the ce requirements of their home state. Stay on top of your CE and ahead of the competition with 365 days of unlimited access to courses when you enroll in a CE Library with Kaplan.

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