100+ Free NY Life & Health Practice Questions
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Key Facts: NY Life & Health Exam
60%
First-Time Pass Rate
NY DFS 2024
150 Q
Exam Questions
NY DFS
40 hrs
Pre-License Education
NY DFS
$500K
Security Fund Limit
Highest in US
15 hrs/yr
CE Requirement
Annual
$48
Exam Fee
PSI
New York's life and health insurance exam has a 60% first-time pass rate. It requires 40 hours of pre-license education (20 life + 20 accident & health), 150 questions in 2 hours, and 70% to pass. New York is unique for Regulation 187 (best interest standard — stronger than suitability), Regulation 60 (replacement), guaranteed issue for individual health insurance, and the NY Security Fund coverage limits.
About the NY Life & Health Exam
The New York life, accident, and health insurance exam covers DFS licensing requirements, New York Insurance Law, Regulation 60 (replacement), Regulation 187 (suitability and best interest), the NY Security Fund, and New York's extensive consumer protection regulations including guaranteed issue requirements.
Questions
150 scored questions
Time Limit
2 hours
Passing Score
70%
Exam Fee
$48 (New York Department of Financial Services (DFS) / PSI)
NY Life & Health Exam Content Outline
NY DFS & Licensing
DFS licensing, 40-hour pre-license education, license types, appointment, CE requirements (15 hrs/yr)
NY Life Insurance Laws
NY Insurance Law life provisions, Regulation 60 replacement, Reg 187 best interest, free look, annuity suitability
NY Health Insurance Laws
NY health policy requirements, guaranteed issue, community rating, NY State of Health marketplace, disability benefits law
NY Ethics & Practices
Unfair trade practices, NY Security Fund, producer conduct, excess line, penalties
How to Pass the NY Life & Health Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours
- Exam fee: $48
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
NY Life & Health Study Tips from Top Performers
Frequently Asked Questions
How hard is the New York life and health insurance exam?
The NY life and health exam has a 60% first-time pass rate with 150 questions in 2 hours, requiring 70% to pass. New York is known for having some of the most stringent insurance regulations in the country. Regulation 187 (best interest standard) and Regulation 60 (replacement) are heavily tested.
What is New York Regulation 187?
Regulation 187 requires insurance producers in New York to act in the best interest of the consumer when making recommendations for life insurance and annuity products. This goes beyond the traditional suitability standard — producers must consider the consumer's financial situation, needs, and objectives.
What is New York Regulation 60?
Regulation 60 governs life insurance and annuity replacements in New York. When a replacement is involved, the agent must provide the applicant with a Disclosure Statement and the insurer must provide a Policy Summary comparing the existing and proposed coverage.
What is the New York Security Fund?
The New York Life Insurance Company Security Fund protects NY policyholders when an insurer becomes insolvent. It covers up to $500,000 for life insurance death benefits and up to $500,000 for annuity benefits — among the highest in the nation.