North Dakota Life & Health Insurance License Exam Overview
The North Dakota Life & Health Insurance License Exam is administered by PSI on behalf of the North Dakota Insurance Department. North Dakota offers opportunities with growing energy sector and agricultural communities.
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 | $64 |
| Pre-licensing Education | Not required |
Why Get Licensed in North Dakota?
- Energy sector — Oil industry workers
- No pre-licensing — No education required
- Agricultural economy — Farm insurance needs
- Low competition — Underserved markets
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Key Topics Covered
Life Insurance (30%)
| Feature | North Dakota Standard |
|---|---|
| Grace Period | 31 days |
| Incontestability | 2 years |
| Free Look | 20 days |
Health Insurance (30%)
- Healthcare.gov (federal marketplace)
- North Dakota Medicaid
- CHIP (Healthy Steps)
North Dakota Insurance Regulations (15%)
- North Dakota Century Code Title 26.1
- ND Insurance Department authority
| Topic | North Dakota Requirement |
|---|---|
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
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