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Key Facts: NM Life & Health Exam
Series 18-27
Exam Code
PSI NM content outline
150 items
Exam Length
PSI NM content outline
2h 30m
Time Limit
PSI NM content outline
70%
Passing Score
PSI NM content outline
$75
Exam Fee
PSI/OSI bulletin
4 attempts
Retake Rule
NMSA 59A-11-6(E)
The official New Mexico Series 18-27 outline uses 150 items with a 2.5-hour limit and a 70% passing score. PSI administers the exam for OSI at a $75 fee, and New Mexico applies a four-attempt limit with a six-month waiting period after the fourth failure. New Mexico also emphasizes producer compliance areas such as fiduciary premium handling, unfair trade practices, privacy, and continuing education requirements.
About the NM Life & Health Exam
New Mexico Series 18-27 tests national life and health insurance concepts plus New Mexico statutes, producer licensing rules, unfair trade practices, and OSI regulatory authority.
Questions
150 scored questions
Time Limit
2 hours 30 minutes
Passing Score
70%
Exam Fee
$75 (New Mexico Office of Superintendent of Insurance (OSI) / PSI)
NM Life & Health Exam Content Outline
NM Licensing and Regulation
OSI authority, producer licensing workflow, exam administration rules, renewal cycle, CE requirements, and enforcement
Life Insurance and Annuities
Life policy concepts, provisions, replacement, annuity suitability, tax basics, and New Mexico unfair-practice standards
Health, Disability, and Medical Plans
A&H policy provisions, disability definitions, medical plans, group health, HIPAA/ACA topics, and LTC eligibility concepts
Ethics, Conduct, and Consumer Protection
Fiduciary duties, advertising and rebating limits, claims practices, privacy law, and guaranty association rules
How to Pass the NM Life & Health Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes
- Exam fee: $75
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
NM Life & Health Study Tips from Top Performers
Frequently Asked Questions
What are the format details for New Mexico Series 18-27?
The official PSI content outline for New Mexico Series 18-27 lists 150 items, 2 hours and 30 minutes of testing time, and a 70% passing score. The listed exam fee is $75.
Does New Mexico require prelicensing education before the life and health exam?
The current New Mexico candidate bulletin states that OSI does not require a mandatory prelicensing course for this line. Candidates may self-study, though structured prep is strongly recommended.
What is New Mexico's retake limit rule?
Under NMSA 59A-11-6(E), candidates may attempt the exam up to four times for a line of authority. After the fourth unsuccessful attempt, a six-month waiting period applies before retesting.
What CE requirements apply after licensure in New Mexico?
OSI guidance states most resident producers complete 24 CE credits per compliance period, including 3 ethics credits (21 general + 3 ethics). Product-specific training such as annuity suitability and long-term care may also apply.
What are key New Mexico-specific law areas for the exam?
Expect testing on Chapter 59A statutes, unfair trade practices (including misrepresentation, twisting, and rebating), fiduciary duties for premium funds, and Superintendent authority for exams and enforcement.