Minnesota Life & Health Insurance License Exam Overview
The Minnesota Life & Health Insurance License Exam is administered by Prometric on behalf of the Minnesota Department of Commerce. Minnesota operates MNsure, a state-based exchange, and has a robust insurance market with major employers.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 145 multiple-choice |
| Time Limit | 3 hours |
| Passing Score | 70% (102 correct answers) |
| Testing Vendor | PSI Exams |
| Exam Fee | $39 |
| Pre-licensing Education | 40 hours required |
Why Get Licensed in Minnesota?
- State exchange — MNsure marketplace
- Fortune 500 companies — Strong corporate market
- Twin Cities metro — Major population center
- Healthcare hub — Mayo Clinic, UnitedHealth
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Key Topics Covered
Life Insurance (30%)
| Feature | Minnesota Standard |
|---|---|
| Grace Period | 31 days |
| Incontestability | 2 years |
| Free Look | 10 days |
Health Insurance (30%)
- MNsure (state-based exchange)
- Minnesota Medical Assistance (Medicaid)
- MinnesotaCare
Minnesota Insurance Regulations (15%)
- Minnesota Statutes Chapter 60A-80A
- Commerce Department authority
| Topic | Minnesota Requirement |
|---|---|
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
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