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Which Minnesota agency is the primary regulator for insurance producers and insurers?

Minnesota Attorney General Consumer Division

Minnesota Department of Commerce

Minnesota Department of Human Services

Minnesota Office of Administrative Hearings

to track

2026 Statistics

Key Facts: MN Life & Health Exam

145

Delivered Questions

130 scored + 15 pretest from official PSI outline

180 min

Exam Time

Minnesota PSI candidate materials

70%

Passing Score

Minnesota PSI candidate materials

$45

Exam Fee

Minnesota PSI fee table

3 years

Exam Result Validity

Minn. Stat. 60K.36, subd. 6

24 CE / 3 ethics

Post-License CE

Minn. Stat. 60K.56

Current Minnesota PSI candidate materials list the combined life and health producer exam at 180 minutes with a 70% passing standard and a $45 exam fee. The official Minnesota content outline allocates 130 scored questions (50 life general, 50 health general, 30 Minnesota law) plus 15 pretest items. Minnesota also requires 20 prelicensing hours per major line and applies a 24-hour CE cycle with 3 ethics hours.

Sample MN Life & Health Practice Questions

Try these sample questions to test your MN Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which Minnesota agency is the primary regulator for insurance producers and insurers?

A.Minnesota Attorney General Consumer Division

B.Minnesota Department of Commerce

C.Minnesota Department of Human Services

D.Minnesota Office of Administrative Hearings

Explanation: The Minnesota Department of Commerce regulates producer licensing, market conduct, and insurer compliance. On the exam, questions about licensing authority and enforcement generally point to Commerce as the lead regulator.

2Which testing vendor administers the Minnesota life and health producer exam listed in the current Minnesota bulletin?

A.Pearson VUE

B.Prometric

C.PSI Services

D.Castle Worldwide

Explanation: Minnesota candidate materials identify PSI as the exam administrator for this producer exam. Candidates schedule through PSI, so exam logistics questions should align with PSI handbook language.

3What exam fee is listed for the Minnesota Life, Accident and Health Producer exam in current PSI materials?

A.$38

B.$45

C.$61

D.$75

Explanation: The current PSI Minnesota insurance fee table lists the life and accident/health producer exam at $45. This fee is separate from licensing and technology surcharge amounts paid during the application process.

4What is the time limit shown for the Minnesota Life, Accident and Health Producer exam?

A.120 minutes

B.150 minutes

C.180 minutes

D.210 minutes

Explanation: PSI exam setup for Minnesota life and health provides 180 minutes of testing time. A strong pacing strategy is to keep an eye on average time per question because the seat time is fixed.

5What passing standard is stated in Minnesota candidate materials for this producer exam?

A.65% correct

B.70% correct

C.72% correct

D.75% correct

Explanation: Minnesota exam guidance states that 70% correct is required to pass. This is a common producer benchmark, but you should still verify current bulletin language before test day.

6How many prelicensing study hours are required in Minnesota per major line of authority?

A.10 hours

B.15 hours

C.20 hours

D.24 hours

Explanation: Minnesota Statute 60K.36 requires 20 hours of approved study per major line. For Life and for Accident and Health, candidates should treat each line as a separate 20-hour requirement unless an exemption applies.

7How long are Minnesota producer exam results valid for licensing purposes?

A.12 months

B.24 months

C.36 months

D.48 months

Explanation: Under Minnesota Statute 60K.36, exam results remain valid for three years from the examination date. Candidates who delay filing beyond that period may need to retest.

8Under Minnesota major-line definitions, which pairing is correct?

A.Life insurance and workers compensation

B.Accident and health only; life is limited-line

C.Life insurance and accident and health are both major lines

D.Annuity and title are both major lines

Explanation: Minnesota Statute 60K.38 identifies both life insurance and accident and health or sickness as major lines. This matters for prelicensing requirements, exam authority, and line-specific compliance.

9A Minnesota applicant misses a scheduled licensing exam appointment. What does statute 60K.36 require for another attempt?

A.Automatic rescheduling at no charge

B.A one-year waiting period

C.Reapplication with required forms and fees before rescheduling

D.A commissioner hearing before any retest

Explanation: Minnesota requires a failed or missed candidate to reapply and submit required fees/forms before retesting. The rule is designed to keep exam administration consistent and documented.

10Which Minnesota license type is specifically exempt from the written exam requirement under 60K.36, subdivision 2?

A.Life insurance major line

B.Accident and health major line

C.Limited lines credit insurance

D.Variable life and variable annuity line

Explanation: Minnesota expressly exempts certain limited lines, including limited lines credit insurance, from the written exam requirement. Life and accident/health major lines still require examination unless another exemption applies.

About the MN Life & Health Exam

Minnesota uses a combined Life, Accident and Health producer exam that blends national life/health knowledge with Minnesota-specific law. State-law testing emphasizes producer licensing, common insurance law, replacement, Medicare supplement, continuation rights, guaranty limits, and conduct requirements.

Questions

145 scored questions

Time Limit

3 hours (180 minutes)

Passing Score

70%

Exam Fee

$45 (Minnesota Department of Commerce / PSI)

MN Life & Health Exam Content Outline

50/130 scored (~38.5%)

Life General Knowledge

Life policy types, policy provisions and riders, underwriting and delivery, and retirement/tax concepts

50/130 scored (~38.5%)

Accident & Health General Knowledge

Health policy types, policy provisions, social insurance, disability and long-term care concepts, and field underwriting

20/130 scored (~15.4%)

Minnesota Common Insurance Law

Department of Commerce authority, producer licensing/maintenance, CE rules, termination reporting, unfair practices, and discipline standards

5/130 scored (~3.8%)

Minnesota Life-Specific Law

Life replacement duties, continuation rights, beneficiary protections, and Minnesota life-policy compliance triggers

5/130 scored (~3.8%)

Minnesota Health-Specific Law

Minnesota standard health provisions, Medicare supplement requirements, and long-term care training obligations

How to Pass the MN Life & Health Exam

What You Need to Know

Passing score: 70%
Exam length: 145 questions
Time limit: 3 hours (180 minutes)
Exam fee: $45

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

MN Life & Health Study Tips from Top Performers

1Memorize Minnesota logistics first: 145 delivered questions, 180 minutes, 70% passing score, and $45 fee.

2Prioritize life and health general domains because they make up 100 of 130 scored questions.

3Drill Minnesota common-law items on licensing timelines, CE limits, reporting windows, and discipline triggers.

4Practice replacement and continuation scenarios where deadlines (14-day, 30-day, 60-day, 90-day) determine compliance outcomes.

5Memorize guaranty association limits and exclusions; these are common state-law differentiators in exam questions.

6Run full timed sessions and review misses by Minnesota domain weight rather than by product type alone.

Frequently Asked Questions

How many questions are on the Minnesota Life & Health exam?

The Minnesota outline totals 130 scored questions plus 15 pretest items (145 delivered questions). PSI delivers all items in one combined testing session.

How much time and what passing score apply in Minnesota?

Minnesota candidate materials list 180 minutes of testing time and a 70% passing score for the combined life and health producer exam.

What is the Minnesota exam fee?

PSI lists a $45 exam fee for Minnesota Life, Accident and Health Producer. Licensing and renewal fees are separate from the exam reservation fee.

How much prelicensing education is required before the Minnesota exam?

Minnesota requires 20 approved prelicensing hours per major line of authority under 60K.36, unless a statutory exemption applies.

How long are Minnesota exam results valid?

Minnesota Statute 60K.36 states exam results are valid for three years from the exam date for licensing purposes.

What continuing education applies after Minnesota licensure?

Most resident producers complete 24 CE hours per licensing period, including 3 ethics hours, and no more than half of CE may be insurer-affiliated coursework.