New Hampshire Life & Health Insurance License Exam Overview
The New Hampshire Life & Health Insurance License Exam is administered by PSI Services LLC (PSI) on behalf of the New Hampshire Insurance Department (NHID). New Hampshire offers a wealthy market with no state income tax.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Time Limit | 2.5 hours |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | PSI |
| Exam Fee | $72 (combined); $59 (single line) |
| Pre-licensing Education | Not required |
Why Get Licensed in New Hampshire?
- No income tax — Tax-friendly for agents
- Wealthy population — High net worth clients
- Boston proximity — Regional market access
- Growing population — Migration from MA
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Key Topics Covered
Life Insurance (30%)
| Feature | NH Standard |
|---|---|
| Grace Period | 30 days |
| Incontestability | 2 years |
| Free Look | 10 days |
Health Insurance (30%)
- Healthcare.gov (federal marketplace)
- NH Medicaid
- CHIP (Healthy Kids)
NH Insurance Regulations (15%)
- NH RSA Title 37 (Insurance)
- NHID authority
| Topic | NH Requirement |
|---|---|
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
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