Free ND L&H Exam Prep
North Dakota Life & Health Insurance
Pass your ND L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.
Quick Facts
North Dakota Life & Health Insurance License: Complete Roadmap
Follow this path to maximize your chances of passing on the first try
Master North Dakota Licensing Law FirstYou are here
Start with producer licensing rules, Insurance Department authority, unfair trade practices, and reporting deadlines because state law is heavily tested in both outlines.
Build Life and Annuity Proficiency
Drill life policy provisions, beneficiary rules, nonforfeiture, replacement, and annuity suitability/taxation scenarios.
Add Health, Medicare, and LTC State Rules
Focus on health policy clauses, disability income, group coverage, Medicare supplement, long-term care standards, and CHAND topics in the ND outline.
Run Timed 110-Question Simulations
Practice full-length timed sets for both lines and review missed questions by statute or outline subsection.
Can You Take the ND L&H Exam?
Check if you meet the basic eligibility requirements
- •Pass the North Dakota Life and Annuity exam (110 items, 70% passing)
- •Pass the North Dakota Accident and Health exam (110 items, 70% passing) when pursuing both authorities
- •Apply through NIPR after passing
- •Complete 24 CE hours every two years, including 3 ethics hours, after licensing
ND L&H Quick Facts
Time to Get Licensed
4-8 weeks for most candidates
From start to license in hand
Retake Policy
Candidates may retake through PSI; same-day retesting is not available and each attempt requires a new exam fee.
Total Cost Breakdown
Free ND L&H Prep That Actually Works
The official pass rate is Not publicly reported by North Dakota Insurance Department / 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
What You'll Study
5 chapters covering everything you need to pass
Introduction: North Dakota Life & Health Insurance Exam Overview
1 sections
Chapter 1: North Dakota Insurance Regulation & Licensing
3 sections
Chapter 2: North Dakota Life Insurance Laws
3 sections
Chapter 3: North Dakota Health Insurance Laws
2 sections
Chapter 4: North Dakota Insurance Ethics & Prohibited Practices
3 sections
ND L&H-Specific Topics Covered
10 free AI interactions per day
ND L&H Exam Details
North Dakota Life & Health Insurance
Administered by North Dakota Insurance Department / PSI
Exam Content Breakdown
Based on the official North Dakota Insurance Department / PSI content outline
Insurance Department authority, producer licensing, CE, unfair practices, and North Dakota line-specific legal requirements across both outlines
Life policy provisions, beneficiaries, nonforfeiture, annuities, replacement, and tax concepts
Medical plans, disability income, group health, Medicare/Medicaid, long-term care, and health policy provisions
Core insurance principles plus FCRA, HIPAA, ACA, privacy, and related federal requirements
What's Included
5 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
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.
What's Next After the ND L&H?
After passing the ND L&H, you can pursue these career paths
ND L&H Exam FAQ
Official North Dakota Insurance Department / PSI Resources
Verify information with these official sources
More Free Resources
Ready to Start Your Free ND L&H Prep?
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