Key Takeaways
- North Dakota does NOT require pre-licensing education for Life & Health insurance licenses
- The exam is administered by PSI with 110 scored questions and a 150-minute time limit
- Fingerprinting and a background check are REQUIRED - $41.25 BCI fee + $29 PSI processing fee
- License renewal requires 24 hours of CE every 2 years, including 3 hours of ethics
- The North Dakota Insurance Department regulates all insurance activities in the state
North Dakota Life & Health Exam Overview
Welcome to OpenExamPrep's FREE North Dakota Life & Health Insurance exam prep guide. This comprehensive resource covers North Dakota-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam and begin your career as a licensed Life & Health producer.
About the North Dakota L&H Exam
The North Dakota Life & Health insurance examination is administered by PSI on behalf of the North Dakota Insurance Department. The exam tests your knowledge of:
- North Dakota insurance law and regulations
- Life insurance principles and policy types
- Annuities and retirement products
- Health insurance including accident and sickness coverage
- Policy provisions and beneficiary designations
- Ethics and professional conduct
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | PSI |
| Total Questions | 110 scored questions |
| Time Limit | 150 minutes (2.5 hours) |
| Passing Score | ~70% |
| Exam Fee | $64 |
| Question Format | Multiple choice |
Note: The exam covers both Product knowledge and North Dakota Laws. Exams can be taken at PSI testing centers or via remote online proctoring.
Pre-Licensing Education Requirements
No Pre-Licensing Education Required
North Dakota is one of the few states that does NOT require pre-licensing education:
| Requirement | Details |
|---|---|
| Pre-License Hours | None required |
| Recommendation | Study courses highly recommended |
| Why Study? | Comprehensive exam content requires preparation |
Important: Although pre-licensing education is not required, exam preparation courses are strongly recommended due to the comprehensive nature of the exam content.
Basic Qualifications
To obtain a North Dakota insurance license, you must:
| Requirement | Details |
|---|---|
| Age | At least 18 years old |
| Residency | North Dakota resident for resident license |
| Exam | Pass the state licensing exam |
| Background Check | Fingerprinting REQUIRED |
Fingerprinting Requirements
North Dakota has specific fingerprinting requirements for insurance license applicants:
Fingerprinting Process
| Step | Details |
|---|---|
| When | After passing the exam at PSI testing center |
| Where | PSI testing center (same location as exam) |
| BCI Fee | $41.25 (payable by check/money order to ND Attorney General) |
| PSI Processing Fee | $29.00 |
| Payment | Credit cards NOT accepted for BCI fee |
Critical: The BCI Electronic Fingerprint Processing Fee of $41.25 MUST be paid with a company check, personal check, money order, or cashier's check made payable to "The North Dakota Attorney General." Credit cards are not accepted for this fee.
License Application Process
Step-by-Step Process
-
Prepare for the Exam
- Complete recommended study course
- Review North Dakota insurance law
- Take practice exams
-
Schedule Your Exam
- Register with PSI online at psiexams.com or call (855) 340-3905
- Pay $64 exam fee (credit card, debit card, or voucher)
- Choose testing center or remote proctored option
-
Take the Exam
- Arrive with valid government-issued photo ID
- Pass with required score
-
Complete Fingerprinting
- Done at PSI testing center after passing exam
- Pay $41.25 BCI fee + $29 PSI fee
- Fingerprints submitted to ND Attorney General
-
Apply for License
- Apply online through Vertafore (Sircon) or NIPR
- Pay application fee
- Await background check results
- Receive license from ND Insurance Department
Total Costs
| Item | Cost |
|---|---|
| Exam Prep Course (recommended) | $150 - $350 |
| Exam Fee | $64 |
| BCI Fingerprint Fee | $41.25 |
| PSI Fingerprint Processing | $29.00 |
| License Application Fee | Varies |
| TOTAL | ~$285 - $500 |
License Maintenance & Continuing Education
CE Requirements
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | 3 hours required |
| Renewal Date | Last day of birth month, biennially |
| Renewal Fee | $25 |
Carryover Rules
- Up to 12 excess hours can carry forward (from second half of license term)
- Cannot repeat courses within 2-year term
- Ethics hours carry over as regular hours, NOT as ethics
Important Deadlines
- Courses taken less than 15 days before expiration may not credit in time
- No CE grace period after due date
- Failure to complete CE prevents license renewal
Special Training Requirements
| Training | Requirement |
|---|---|
| Annuity Training | One-time 4-hour course before selling annuities |
| Long-Term Care Initial | One-time 8-hour training before selling LTC |
| Long-Term Care Ongoing | 4-hour training every 2 years after initial |
| Flood Insurance | One-time 3-hour course for NFIP sellers |
CE Exemptions
| Exemption | Requirements |
|---|---|
| Limited Lines | Credit, surety, travel, title, bail, legal expense exempt |
| Rule of 85 | Age 62+ by Jan 1, 2010 with age + years licensed = 85+ |
| Non-Residents | Exempt if CE completed in home state |
Note: Even exempt producers must still renew their license every 2 years and pay the $25 renewal fee.
North Dakota Insurance Department Contact
Contact Information
| Resource | Details |
|---|---|
| Phone | (701) 328-2440 or (800) 247-0560 |
| insurance@nd.gov | |
| Fax | (701) 328-4880 |
| Address | 1701 S 12th Street<br/>Bismarck, ND 58504 |
| Website | www.insurance.nd.gov |
Testing Information
PSI
- Website: www.psiexams.com
- Phone: (855) 340-3905 or (800) 733-9267
- Online scheduling available 24/7
- Remote proctored testing available
What This Guide Covers
This FREE study guide focuses on North Dakota state-specific content:
Chapter 1: North Dakota Insurance Regulation & Licensing
- ND Insurance Department structure
- Producer licensing requirements
- Fingerprinting and background check process
- Disciplinary actions and prohibited practices
Chapter 2: North Dakota Life Insurance Regulations
- Life insurance policy requirements
- Standard policy provisions
- North Dakota Life & Health Insurance Guaranty Association
- Replacement regulations
Chapter 3: North Dakota Health Insurance Regulations
- Health insurance requirements
- Individual and group health coverage
- Long-term care insurance
- Medicare supplement regulations
Chapter 4: North Dakota Ethics & Consumer Protection
- Agent and producer duties
- Unfair trade practices
- Claims handling standards
- Consumer protection laws
national Life & Health exam preparationFree exam prep with practice questions & AI tutor
Study Tips for Success
Recommended Study Timeline
| Week | Focus | Hours |
|---|---|---|
| Week 1 | National L&H principles (if not completed) | 15-20 hours |
| Week 2 | Exam prep course (recommended) | 20-30 hours |
| Week 3 | ND state law (this guide) | 10-15 hours |
| Week 4 | Practice exams and review | 10-15 hours |
| TOTAL | 55-80 hours |
Key North Dakota Facts to Remember
- Passing Score: ~70%
- Pre-License Education: NOT required
- Fingerprinting: REQUIRED ($41.25 + $29 fees)
- Testing Provider: PSI
- CE: 24 hours/2 years (including 3 ethics)
- Renewal Fee: $25
Good luck on your exam!
Does North Dakota require pre-licensing education for Life & Health insurance licenses?
Who administers the North Dakota insurance licensing exams?
What is the BCI fingerprint processing fee in North Dakota, and how must it be paid?
How many hours of continuing education does North Dakota require every 2 years?
What is the "Rule of 85" exemption in North Dakota?