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200+ Free NH Life & Health Practice Questions

Pass your New Hampshire Life & Health Insurance Exam exam on the first try — instant access, no signup required.

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Which state agency is the primary insurance regulator in New Hampshire?

A
B
C
D
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2026 Statistics

Key Facts: NH Life & Health Exam

Series 12-63

Exam Code

PSI NH content outline

150 Q

Exam Questions

PSI NH content outline

2h 30m

Time Limit

PSI NH content outline

70%

Passing Score

PSI NH exam prep guidance

$72

Exam Fee

PSI NH candidate bulletin fee table

24 CE / 2 years

Renewal CE

RSA 402-J:7-a

The NH combined exam uses 150 questions in 2.5 hours with a 70% passing score and $72 exam fee. New Hampshire does not require prelicensing education before testing, but producers must satisfy strict post-license compliance including 24 CE hours every 2 years with 3-10 ethics hours completed at least 60 days before renewal. As of February 27, 2026, NHID exam administration remains on PSI Services (transition effective July 1, 2025) with no newer published blueprint replacing Series 12-63.

Sample NH Life & Health Practice Questions

Try these sample questions to test your NH 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 state agency is the primary insurance regulator in New Hampshire?
A.New Hampshire Banking Department
B.New Hampshire Insurance Department (NHID)
C.New Hampshire Secretary of State
D.Federal Insurance Office
Explanation: NHID is the lead state regulator for producer licensing, market conduct, and consumer insurance oversight. On exam questions, NHID is the default state authority unless the item clearly asks about a federal rule.
2What is the format of the New Hampshire combined Life, Accident and Health producer exam?
A.100 questions in 2 hours
B.120 questions in 2.5 hours
C.150 questions in 2.5 hours
D.150 questions in 4 hours
Explanation: New Hampshire uses a 150-question exam with a 2.5-hour testing window for the combined line. Knowing the exact format helps with pacing and review strategy on test day.
3What is the listed exam fee for the New Hampshire combined Life, Accident and Health producer exam?
A.$52
B.$72
C.$92
D.$120
Explanation: The exam fee is $72 for the combined New Hampshire life and health producer test. This is a basic licensing fact that appears in many state-specific prep sets.
4What minimum score is required to pass the New Hampshire combined Life, Accident and Health producer exam?
A.60%
B.65%
C.70%
D.75%
Explanation: The passing score is 70 percent for the combined exam. Candidates should target well above the minimum to reduce retake risk.
5Before testing for a New Hampshire life and health producer license, what prelicensing education is required by state rule?
A.20 hours
B.40 hours
C.No mandatory prelicensing education
D.A one year internship with an insurer
Explanation: New Hampshire does not require mandatory prelicensing coursework for this license. Many applicants still use prep courses to improve first-attempt pass probability.
6How much continuing education must a New Hampshire life and health producer complete each renewal cycle?
A.12 hours every year
B.24 hours every 2 years
C.30 hours every 2 years
D.24 hours every 3 years
Explanation: New Hampshire requires 24 CE hours in each 2-year cycle. Producers should track credits continuously instead of waiting until renewal season.
7Within the New Hampshire 24-hour biennial CE total, what ethics range is required?
A.Exactly 3 ethics hours
B.At least 3 and no more than 10 ethics hours
C.Exactly 10 ethics hours
D.No ethics hours are required
Explanation: The ethics requirement has both a minimum and a cap: at least 3 and no more than 10 hours. A producer can fail compliance by taking too little or too much ethics credit.
8How far in advance of renewal should New Hampshire CE be completed?
A.By the renewal date
B.30 days before renewal
C.60 days before renewal
D.90 days before renewal
Explanation: New Hampshire expects CE completion at least 60 days before renewal. This timing helps avoid transcript delays and late compliance issues.
9Under RSA 402-J:14, who files an appointment and by when?
A.Producer files within 15 days
B.Insurer files within 15 days
C.Producer files within 30 days
D.Insurer files within 30 days
Explanation: RSA 402-J:14 places appointment filing responsibility on the insurer, and the filing must be made within 15 days. This statute is tested often because appointment timing drives lawful authority to represent a carrier.
10What is the maximum length of a temporary producer license under RSA 402-J:11?
A.90 days
B.120 days
C.180 days
D.365 days
Explanation: RSA 402-J:11 authorizes temporary licensing for up to 180 days. Temporary authority is limited and should be treated as a short bridge to regular licensure.

About the NH Life & Health Exam

New Hampshire's combined Life, Accident and Health producer exam (Series 12-63) tests national life/health fundamentals plus NH producer law, appointments, unfair trade practices, and line-specific state regulation.

Questions

150 scored questions

Time Limit

2 hours 30 minutes

Passing Score

70%

Exam Fee

$72 (New Hampshire Insurance Department (NHID) / PSI Services)

NH Life & Health Exam Content Outline

40%

National Life and Health Core

Life policy types/provisions, annuities, health policy structure, disability income, and Medicare fundamentals

20%

Producer Licensing and Appointments

RSA 402-J licensing standards, insurer appointment filing timelines, temporary licensing, nonresident reciprocity, and reporting duties

20%

NH Consumer and Conduct Rules

RSA 417 unfair trade/claims practices, referral and compensation limits, producer conduct, and disclosure expectations

20%

NH Line-Specific Regulation

Replacement and annuity suitability expectations, Medicare supplement standards, and long-term care references used on NH state-law questions

How to Pass the NH Life & Health Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 150 questions
  • Time limit: 2 hours 30 minutes
  • Exam fee: $72

Keys to Passing

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

NH Life & Health Study Tips from Top Performers

1Memorize NH logistics first: 150 questions, 2.5 hours, 70% passing, and $72 fee
2Drill appointment and reporting timelines (15-day appointments, 30-day action reporting) until automatic
3Build separate review blocks for life, annuity, and health policy provisions before mixed exams
4Use scenario drills for unfair trade practices, replacement, and disclosure violations under RSA 417
5Finish CE and renewal-rule review with citation-level accuracy (24 CE, 3-10 ethics, 60-day completion window)

Frequently Asked Questions

How many questions and how much time are on New Hampshire's combined life and health exam?

Series 12-63 is delivered as 150 questions with a 2 hour 30 minute time limit. Candidates should practice timed sets to avoid running out of time on state-law scenarios near the end.

What are the passing score and exam fee for NH life and health?

The current NH passing score is 70%, and the combined exam fee is $72 through PSI Services. Fees apply per attempt, so strong preparation can reduce total licensing cost.

Does New Hampshire require prelicensing education before the exam?

New Hampshire does not mandate prelicensing education before testing for this line. Many candidates still use structured prep because NH law and compliance items are heavily tested.

What CE is required after licensing in New Hampshire?

Resident producers complete 24 CE hours every 2 years, with at least 3 and no more than 10 ethics hours. CE must be completed at least 60 days before the renewal date under New Hampshire's renewal framework.

What NH law areas are tested most often?

Expect repeated testing on RSA 402-J producer licensing/appointments, RSA 417 unfair trade and claim practices, reporting timelines, replacement rules, and annuity suitability/consumer-protection scenarios.