Key Takeaways
- New Hampshire does NOT require pre-licensing education for Life & Health insurance licenses
- The exam is administered by PSI with a 70% passing score required
- The combined Life, Accident & Health exam has 150 questions with a 150-minute time limit
- License renewal requires 24 hours of CE every 2 years, including 3 hours of ethics
- The New Hampshire Insurance Department regulates all insurance activities in the state
New Hampshire Life & Health Exam Overview
Welcome to OpenExamPrep's FREE New Hampshire Life & Health Insurance exam prep guide. This comprehensive resource covers New Hampshire-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 New Hampshire L&H Exam
The New Hampshire Life & Health insurance examination is administered by PSI on behalf of the New Hampshire Insurance Department. The exam tests your knowledge of:
- New Hampshire 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 | Life Only | Health Only | Combined Life & Health |
|---|---|---|---|
| Testing Provider | PSI | PSI | PSI |
| Total Questions | 100 | 100 | 150 |
| Time Limit | 120 minutes | 120 minutes | 150 minutes |
| Passing Score | 70% | 70% | 70% |
| Exam Fee | $50 | $50 | $50 |
Note: Each exam covers general insurance knowledge and New Hampshire-specific state law sections.
Pre-Licensing Education Requirements
No Pre-Licensing Education Required
New Hampshire does NOT require pre-licensing education:
| Requirement | Details |
|---|---|
| Pre-License Hours | None required |
| Recommendation | Study courses highly recommended |
| Why Study? | Due to exam difficulty, preparation is essential |
Important: While New Hampshire doesn't have formal pre-license education requirements, most insurance professionals choose to take a pre-license education course or purchase study materials to prepare for the exam.
Basic Qualifications
To obtain a New Hampshire insurance license, you must:
| Requirement | Details |
|---|---|
| Age | At least 18 years old |
| Residency | New Hampshire resident for resident license |
| Exam | Pass the state licensing exam with 70%+ |
License Application Process
Step-by-Step Process
-
Prepare for the Exam
- Complete recommended study course (optional but recommended)
- Review New Hampshire insurance law
- Take practice exams
-
Schedule Your Exam
- Register with PSI online at psiexams.com or call (800) 733-9267
- Pay $50 exam fee
- Choose testing center or remote proctored option
-
Take the Exam
- Arrive with valid government-issued photo ID
- Pass with 70% or higher
- Results available immediately
-
Apply for License
- Apply online through NIPR
- Pay $215 application fee (plus $5.60 transaction fee)
- Receive license from NH Insurance Department
Retake Policy
New Hampshire allows unlimited exam retakes:
- No limit on number of attempts
- Must wait at least 24 hours between attempts
- Must pay exam fee for each attempt
Total Costs
| Item | Cost |
|---|---|
| Exam Prep Course (recommended) | $150 - $350 |
| Exam Fee | $50 |
| License Application Fee | $215 (+$5.60 transaction fee) |
| TOTAL | ~$420 - $620 |
License Maintenance & Continuing Education
CE Requirements
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | 3-10 hours required (at least 3, no more than 10) |
| Renewal Date | Last day of birth month, biennially |
| Renewal Fee | $150 per line of authority |
Important CE Deadlines
| Deadline | Consequence |
|---|---|
| 60 days before expiration | Must complete CE to avoid penalties |
| Within 60-day window | $50 late fee for producers, $25 for adjusters |
| After expiration | Double the license fee charged |
CE Rules
| Rule | Details |
|---|---|
| Carryover | NOT allowed - excess hours do not carry forward |
| Repeat Courses | Cannot repeat within same reporting period |
| Reporting Fee | $1.00 per credit hour |
Special Training Requirements
| Training | Requirement |
|---|---|
| Flood Insurance | One-time 3-hour NFIP course within first year (P&C and Personal Lines producers) |
| Annuity Best Interest | Required for producers selling annuity products (effective Feb 16, 2024) |
CE Exemptions
| Exemption | Details |
|---|---|
| First Renewal | Exempt from CE for first license renewal |
| Non-Residents | Must be in good standing in home state; no NH CE required |
New Hampshire Insurance Department Contact
Contact Information
| Resource | Details |
|---|---|
| Website | www.insurance.nh.gov |
| Address | 21 South Fruit Street, Suite 14<br/>Concord, NH 03301 |
Testing Information
PSI
- Website: www.psiexams.com
- Phone: (800) 733-9267
- Online scheduling available 24/7
- Remote proctored testing available
What This Guide Covers
This FREE study guide focuses on New Hampshire state-specific content:
Chapter 1: New Hampshire Insurance Regulation & Licensing
- NH Insurance Department structure
- Producer licensing requirements
- Ethics and professional responsibilities
- Disciplinary actions and prohibited practices
Chapter 2: New Hampshire Life Insurance Regulations
- Life insurance policy requirements
- Standard policy provisions
- New Hampshire Life & Health Insurance Guaranty Association
- Replacement regulations
Chapter 3: New Hampshire Health Insurance Regulations
- Health insurance requirements
- Individual and group health coverage
- Long-term care insurance
- Medicare supplement regulations
Chapter 4: New Hampshire 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 | NH state law (this guide) | 10-15 hours |
| Week 4 | Practice exams and review | 10-15 hours |
| TOTAL | 55-80 hours |
Key New Hampshire Facts to Remember
- Passing Score: 70%
- Pre-License Education: NOT required
- Testing Provider: PSI
- Exam Retakes: Unlimited (24-hour wait between attempts)
- CE: 24 hours/2 years (3-10 ethics hours)
- Application Fee: $215 per line
- Renewal Fee: $150 per line
Good luck on your exam!
Does New Hampshire require pre-licensing education for Life & Health insurance licenses?
What is the passing score for the New Hampshire Life & Health insurance exam?
How long must you wait between exam retake attempts in New Hampshire?
How many hours of continuing education does New Hampshire require every 2 years?
What is the license application fee in New Hampshire?