Key Takeaways
- North Dakota does NOT require pre-license education - candidates can go directly to the exam
- PSI Services LLC administers North Dakota insurance licensing exams
- The Life exam has 110 questions with 150 minutes (2.5 hours) time limit
- Passing score is 70% on all North Dakota licensing exams
- Fingerprinting is required at the PSI test center and background check is mandatory
North Dakota Producer Licensing Requirements
North Dakota has specific requirements for obtaining a Life, Health, or combined insurance license.
Pre-License Education Requirements
No Pre-License Education Required
| State Requirement | North Dakota |
|---|---|
| Pre-License Education | NOT REQUIRED |
| Recommended | Self-study highly recommended |
| Minimum Age | 18 years old |
Key Points:
- North Dakota does NOT require pre-license education
- Due to exam difficulty, completing a study course is highly recommended
- No mandatory classroom hours before taking the exam
- Self-study materials are available from various providers
Exam Tip: While North Dakota doesn't require pre-license education, the exam is challenging. Most successful candidates complete a comprehensive exam prep course before testing.
Examination Requirements
North Dakota insurance licensing examinations are administered by PSI Services LLC:
Life & Health Exam Details
| Exam Type | Questions | Time Limit | Fee |
|---|---|---|---|
| Life Insurance | 110 | 150 minutes (2.5 hours) | $64 |
| Accident & Health | 110 | 150 minutes | $64 |
| Combined Exams | Varies | Varies | $64 each |
Exam Requirements
| Requirement | Detail |
|---|---|
| Passing Score | 70% |
| Testing Provider | PSI Services LLC |
| Score Validity | 1 year |
| Testing Options | In-person or remote online |
| Scheduling | Online at PSI website |
Examination Process
Scheduling the Exam
- Register with PSI online at PSI website for exam information
- Choose testing option:
- PSI testing center
- Remote online proctored exam
- Pay exam fee ($64)
- Schedule appointment
Exam Day - Testing Center
What to Bring:
- Valid photo ID
- Acceptable: Driver's license, passport, military ID
- Arrive early to complete check-in
Testing Rules:
- No cell phones or electronic devices
- Calculator provided on screen
- Results displayed immediately upon completion
- Fingerprints scanned at test center after exam
Fingerprinting Requirements
North Dakota requires fingerprinting for all first-time resident producer applicants:
Fingerprinting Process
| Step | Detail |
|---|---|
| 1 | Criminal background check required |
| 2 | Fingerprints taken at PSI test center |
| 3 | Results submitted to state and FBI |
Fingerprint Fees
| Fee Type | Amount |
|---|---|
| BCI (Background Check) | $41.25 |
| PSI Processing Fee | $29 |
| Total | $70.25 |
Who Must Be Fingerprinted
Fingerprinting is NOT required for:
- Individuals renewing their license
- Individuals applying within 12 months after license cancellation/expiration (unless suspended/revoked)
- Resident producers adding a line of authority to existing license
Note: Fingerprinting can also be done at other locations besides PSI Test Centers.
License Application
After passing the exam, complete these steps:
Application Steps
- Complete fingerprinting at PSI test center (if required)
- Apply through NIPR (National Insurance Producer Registry)
- Pay license application fee ($100 plus small transaction charge)
- Await Insurance Department approval
Application Timeline
| Item | Timeframe |
|---|---|
| Exam Score Validity | 1 year |
| Application | Submit through NIPR |
| Processing | Varies |
License Types
| License Type | What You Can Sell |
|---|---|
| Life | Life insurance and annuities |
| Accident & Health | Health, disability, LTC insurance |
| Variable Products | Variable life and annuities (requires FINRA) |
| Personal Lines | Personal auto, homeowners |
| Property | Commercial and personal property |
| Casualty | Liability insurance |
Appointments
After receiving your license:
- Must be appointed by each insurer you represent
- Insurer files appointment with Insurance Department
- Cannot transact business until appointment is filed
- Maintain appointments with all companies you represent
Does North Dakota require pre-license education before taking the insurance licensing exam?
What is the passing score for North Dakota insurance licensing exams?
Who administers insurance licensing exams in North Dakota?
What is the total fingerprinting cost for North Dakota license applicants?