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Free MN L&H Exam Prep

Minnesota Life, Accident and Health Producer

Pass your MN L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Quick Facts

5
Chapters
13
Sections
$0
Our Cost
Updated January 2026

Minnesota Life & Health Insurance

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Your Study Path

Minnesota Life & Health Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

Lock Down Minnesota Exam MechanicsYou are here

Memorize delivered-item count, scored-item structure, 180-minute pacing, 70% passing threshold, and PSI registration workflow first.

14
hours
2

Master the National Life and Health Core

Spend most study time on life and health general domains because they account for 100 of 130 scored items.

38
hours
Start this step
3

Drill Minnesota Producer Law and Compliance Triggers

Target licensing maintenance, CE limits, reporting timelines, discipline causes, and Minnesota-specific replacement/continuation rules.

24
hours
4

Run Full Timed Simulations and Statute-Tagged Review

Use 145-question timed sets and review misses by domain and statute references instead of only by product type.

20
hours
Estimated total study time
96 hours
That's about 10 weeks at 10 hours/week

Can You Take the MN L&H Exam?

Check if you meet the basic eligibility requirements

Age
At least 18 years old
Education
20 hours of approved prelicense education per major line unless an exemption under Minnesota law applies
Background Check
Fingerprint-based criminal history review is required for producer and adjuster applicants
Fingerprinting
$63.75 fingerprint fee is listed in the current PSI Minnesota bulletin
Additional Requirements
  • •Present valid prelicense completion documentation at the exam unless exempt
  • •Exam results are valid for three years from the exam date
  • •Submit producer application within 36 months after passing
  • •Licensing fee schedule in statute sets $50 for initial major-line producer licensing, plus applicable surcharges
  • •After licensure, complete 24 CE hours per licensing period including 3 ethics hours

MN L&H Quick Facts

Time to Get Licensed

4-8 weeks for most candidates

From start to license in hand

Exam Provider

PSI

Remote Testing Available
Schedule Your Exam

Retake Policy

Retesting requires a new exam registration and fee; same-day retesting is not allowed under current PSI Minnesota bulletin procedures.

Total Cost Breakdown

Exam Fee$45
Application Fee$50 statutory initial producer license fee for major lines
Fingerprint Fee$63.75
Total Estimated Cost$158.75+ before any technology surcharge and transaction/vendor processing fees
Why Choose Us

Free MN L&H Prep That Actually Works

The official pass rate is Not publicly reported by Minnesota Department of Commerce / PSI. Our students do better.

200+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

$0 Forever

No credit card, no trial, no upsells

Compare:
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What You'll Study

5 chapters covering everything you need to pass

1

Introduction: Minnesota Life & Health Insurance Exam Overview

1 sections

2

Chapter 1: Minnesota Insurance Regulation & Licensing

3 sections

3

Chapter 2: Minnesota Life Insurance Laws

3 sections

4

Chapter 3: Minnesota Health Insurance Laws

3 sections

5

Chapter 4: Minnesota Insurance Ethics & Prohibited Practices

3 sections

MN L&H-Specific Topics Covered

Minnesota exam structure: 130 scored (50 life + 50 health + 30 state law) and 15 experimental questionsMinnesota prelicense rule: 20 hours per major line under 60K.36, with listed designation/degree exemptionsProducer maintenance differences: 10-day address/name change reporting under 60K.38 and 12-month lapse reinstatement windowCE rules under 60K.56: 24 hours per period, including 3 ethics, and no more than half from insurer-affiliated courseworkLTC training under 60K.365: 8-hour initial plus 4-hour refresher every 24 monthsGroup life continuation under 61A.092: up to 18 months at no more than 102% cost and 60-day election windowMedicare supplement loss ratio standards under 62A.36: 65% individual and 75% group minimumsMinnesota guaranty limits under 61B.19 include $500,000 life death benefits and $500,000 health/LTC/disability benefits per lifeCurrent posted PSI Minnesota bulletin date is April 8, 2025; no newer MN L&H outline publication was posted on the PSI program page as of February 28, 2026
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MN L&H Exam Details

Minnesota Life, Accident and Health Producer

Administered by Minnesota Department of Commerce / PSI

Official Source
70%
Passing Score
145
Questions
3
Hours
$45 exam fee
Exam Fee
Study time: 60-100 hours
Prerequisites: Be at least 18, complete 20 prelicense hours per major line unless exempt, pass the exam, complete fingerprinting/background check, and file for licensure

Exam Content Breakdown

Based on the official Minnesota Department of Commerce / PSI content outline

Life General Knowledge50/130 scored (~38.5%)

Life policy types, provisions/riders/options, underwriting, beneficiaries/ownership, annuity basics, and tax concepts

Accident and Health General Knowledge50/130 scored (~38.5%)

Health policy types and provisions, social insurance, disability/LTC concepts, and health underwriting process

Minnesota Common Insurance Law20/130 scored (~15.4%)

Department of Commerce authority, licensing and maintenance duties, CE, appointments/termination reporting, and unfair-practice enforcement

Minnesota Life-Specific Law5/130 scored (~3.8%)

Minnesota life replacement and continuation requirements, policyowner protections, and line-specific compliance triggers

Minnesota Health-Specific Law5/130 scored (~3.8%)

Minnesota health provisions, Medicare supplement standards, and long-term care producer training obligations

What's Included

5 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

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What's Next After the MN L&H?

After passing the MN L&H, you can pursue these career paths

Life & Health

Build national life and health fundamentals first

Minnesota Property & Casualty

Add Minnesota P&C authority for broader producer scope

NMLS

Expand into mortgage licensing pathways

MN L&H Exam FAQ

Official Minnesota Department of Commerce / PSI Resources

Verify information with these official sources

PSI Minnesota Insurance ProgramPSI Minnesota Life, Accident and Health Test DetailPSI Minnesota Candidate Information Bulletin (Copyright 2025; dated 4/8/2025)PSI Minnesota Life, Accident and Health Content OutlineMinn. Stat. 60K.36 (Examinations and prelicense study)Minn. Stat. 60K.56 (Continuing insurance education)Minn. Stat. 60K.365 (LTC producer training)Minn. Stat. 61A.092 (Group life continuation rights)Minn. Stat. 62A.36 (Medicare supplement loss ratio standards)Minn. Stat. 61B.19 (Life/health/annuity guaranty limits)

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