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Exam Review

Key Facts: ND Life & Health Exam

110

Questions Per Exam

PSI candidate bulletin

150 min

Time Per Exam

PSI candidate bulletin

70%

Passing Score

77/110 per exam

$64

Fee Per Exam

PSI candidate bulletin

24 hrs

CE Per Biennium

ND Insurance Department

3 hrs

Ethics CE Requirement

ND Insurance Department

North Dakota Life & Health producer authority is earned by passing two PSI exams: Life and Annuity (110 items) and Accident and Health (110 items). Each exam requires 70% (77/110) in 150 minutes at $64 per attempt. State-law content is heavily tested in both outlines, including producer licensing, unfair trade practices, policy provisions, Medicare supplement and long-term care rules, and ND-specific health programs like CHAND.

Sample ND Life & Health Practice Questions

Try these sample questions to review concepts for the ND Life & Health exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 675+ question experience with AI tutoring.

1Which state agency is responsible for regulating insurance companies and producers in North Dakota?
A.North Dakota Insurance Commission
B.North Dakota Insurance Department
C.North Dakota Bureau of Insurance Regulation
D.North Dakota Department of Finance, Insurance Division
Explanation: The North Dakota Insurance Department is the state regulator for insurers and producers under Title 26.1 of the North Dakota Century Code. It enforces licensing rules, market conduct standards, and consumer protections. The Insurance Department is led by the elected North Dakota Insurance Commissioner.
2What is unique about North Dakota's pre-licensing education requirement compared to most other states?
A.North Dakota requires 80 hours of pre-licensing education
B.North Dakota does NOT require pre-licensing education courses
C.North Dakota requires only online pre-licensing courses
D.North Dakota requires pre-licensing education only for health insurance
Explanation: Unlike most states that require 20-60 hours of pre-licensing education, North Dakota does NOT require any pre-licensing education courses for insurance producers. Applicants must still pass the state licensing examination, submit fingerprints, and pay applicable fees, but formal coursework is not mandated by North Dakota law.
3According to the PSI North Dakota candidate bulletin, what is the exam fee for the Life and Annuity (Product and Laws) exam?
A.$58
B.$64
C.$75
D.$89
Explanation: The North Dakota PSI candidate bulletin lists the Life and Annuity exam fee as $64. The same $64 fee applies to the Accident and Health (Product and Laws) exam. These exam fees are paid to PSI when scheduling.
4Which testing provider administers the North Dakota insurance licensing examinations?
A.PSI Services
B.Pearson VUE
C.Prometric
D.FINRA
Explanation: PSI Services administers North Dakota insurance producer licensing examinations. Candidates schedule through the PSI North Dakota insurance portal and follow PSI testing rules for either test-center or remote proctored delivery. North Dakota does not use FINRA, Prometric, or Pearson VUE for these producer exams.
5How many continuing education (CE) credits must North Dakota resident producers complete every two years?
A.16 credits with 2 in ethics
B.24 credits with 3 in ethics
C.30 credits with 4 in ethics
D.40 credits with 5 in ethics
Explanation: North Dakota requires 24 hours of continuing education every biennial period, including 3 hours in ethics. Producers who do not meet CE requirements cannot renew on time. The ethics component is intended to reinforce compliance and consumer protection standards.
6How many exam items are on each North Dakota Life and Annuity or Accident and Health producer exam?
A.60
B.100
C.110
D.150
Explanation: The PSI bulletin lists 110 items for both Life and Annuity and Accident and Health exams. Candidates should expect a mix of national product knowledge and North Dakota-specific law content. Item count is separate from the 150-minute time limit.
7How early may a North Dakota insurance producer renew a license before expiration?
A.30 days
B.60 days
C.90 days
D.120 days
Explanation: North Dakota allows license renewal up to 90 days before expiration. Producers remain responsible for renewing on time and maintaining CE compliance. Waiting until after expiration can interrupt the authority to transact insurance.
8How many correct answers are needed to pass a 110-item North Dakota Life and Annuity or Accident and Health exam?
A.70 correct answers
B.75 correct answers
C.77 correct answers
D.80 correct answers
Explanation: A 70% passing score on 110 items requires 77 correct answers. The PSI bulletin lists this pass threshold for both Life and Annuity and Accident and Health exams. Knowing the required raw score helps candidates pace during timed practice.
9Which of the following is NOT a requirement for obtaining a North Dakota resident producer license?
A.Pass the state licensing examination
B.Submit fingerprints for background check
C.Complete 40 hours of pre-licensing education
D.File through NIPR
Explanation: North Dakota requires passing the exam and completing resident licensing steps, including application processing and criminal history checks. The PSI bulletin and Insurance Department guidance do not require a mandatory pre-licensing classroom hour total. That differs from many states that impose fixed pre-license hours.
10Through which system must North Dakota producer license applications be submitted?
A.State of North Dakota Online Portal only
B.National Insurance Producer Registry (NIPR)
C.Direct mail to the Insurance Department
D.PSI Services examination centers
Explanation: North Dakota producer license applications must be submitted through the National Insurance Producer Registry (NIPR) Gateway. NIPR provides a centralized system for producer licensing across all states. While PSI Services handles examinations, the actual license application is processed through NIPR after passing the exam.

About the ND Life & Health Exam

North Dakota requires separate Life and Annuity and Accident and Health producer exams. Each exam has 110 questions with a 150-minute limit and a 70% passing standard. Content combines national product concepts with North Dakota-specific law under Title 26.1 and related regulations.

Exam sponsor: North Dakota Insurance Department / PSI. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

220 questions

Time Limit

150 minutes per exam (300 minutes total)

Passing Score

70% (77/110 per exam)

Exam / Certification Fees

$64 per exam

Exam sponsor website

Reported exam pass rate: Not publicly reported. North Dakota Insurance Department and PSI do not publish a statewide first-time pass rate Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

36%

North Dakota Law and Regulation

Producer licensing, Insurance Department authority, unfair practices, policy delivery rules, and state-specific life/health statutes

27%

Life and Annuity Products

Life policy provisions, beneficiaries, nonforfeiture, replacements, annuity suitability, and tax treatment

27%

Accident and Health Products

Medical plans, disability income, group coverage, Medicare, Medicaid, long-term care, and ND mandates

10%

General Concepts and Federal Rules

Insurance fundamentals plus FCRA, HIPAA, ACA, GLBA/privacy, and related federal requirements

Preparing for the ND Life & Health Exam

What You Need to Know

  • Passing score: 70% (77/110 per exam)
  • Exam length: 220 questions
  • Time limit: 150 minutes per exam (300 minutes total)
  • Exam / certification fees: $64 per exam Official sources

Using Our Practice Resources

  • Work through all 675 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

ND Life & Health: Suggested Study Strategy

1Study both PSI outlines separately and track where state-law items are concentrated
2Memorize core North Dakota producer law: licensing, reporting deadlines, renewals, and discipline triggers
3Drill life policy provisions and annuity suitability scenarios because these are frequent application questions
4Practice Medicare supplement and long-term care disclosure/suitability rules using state-specific examples
5Use timed 110-question blocks to build pacing for a 150-minute session
6Review every missed question by statute or rule theme, not just by product type

Frequently Asked Questions

Is North Dakota Life and Health one combined exam?

North Dakota uses two separate producer exams for this path: Life and Annuity (Product and Laws) and Accident and Health (Product and Laws). Candidates seeking both authorities typically pass both exams.

How many questions are on each North Dakota Life and Health exam?

Each exam has 110 questions according to the PSI North Dakota candidate bulletin. You have 150 minutes per exam and need 70% to pass.

What passing score is required in North Dakota?

A passing score is 70%, which equals 77 correct answers out of 110 items on each exam. If you are pursuing both lines, you must meet that threshold on both exams.

How much does the North Dakota Life and Health exam cost?

PSI lists the exam fee as $64 per line exam. Taking both Life and Annuity plus Accident and Health typically means paying two separate exam fees.

What North Dakota-specific topics are most important?

Focus on Title 26.1 producer law, licensing and CE rules, unfair trade and claims practices, life policy standard provisions, Medicare supplement and long-term care regulations, and CHAND/high-risk-market concepts that appear in the state outline.

What are North Dakota CE requirements after licensing?

North Dakota generally requires 24 CE hours every two years, including 3 ethics hours. Producers should verify current renewal-cycle details directly with the North Dakota Insurance Department.