Free NH L&H Exam Prep
New Hampshire Life & Health Insurance
Prepare for the NH L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
Quick Facts
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New Hampshire Life & Health Insurance License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
Exam Logistics and NH Producer LawYou are here
Start with exam format (150 questions in 2.5 hours), NHID authority, producer licensing workflow, and high-frequency RSA 402-J appointment/reporting timelines.
Life Policies, Riders, and Replacement
Master life policy design, beneficiary/ownership mechanics, replacement documentation, and New Hampshire conduct standards for life transactions.
Annuity and Health Compliance
Focus on annuity suitability, disability income structure, Medicare supplement standards, and long-term care rule references tested in NH scenarios.
Timed Mixed Sets + State-Law Review
Finish with full timed simulations and statute-based review of unfair trade practices, reporting duties, and producer conduct pitfalls.
Can You Take the NH L&H Exam?
Check if you meet the basic eligibility requirements
- •Pass Series 12-63 with a 70% score
- •Appointment filing is insurer-driven and must be submitted within 15 days under RSA 402-J:14
- •Resident producers renew with CE every 2 years: 24 total hours, including 3-10 ethics hours
- •CE must be completed at least 60 days before renewal under RSA 402-J:7-a framework
- •Nonresident reciprocity and new-resident transfer rules apply under RSA 402-J:8 and RSA 402-J:9
NH L&H Quick Facts
Time to Get Licensed
4-8 weeks for most first-time candidates
From start to license in hand
Retake Policy
Retakes are permitted through PSI scheduling rules; verify current waiting-period details at registration.
Total Cost Breakdown
Free NH L&H Prep Tools
Reported exam pass rate: Not publicly reported by NHID/PSI. Check the exam sponsor for the latest official figure.
715+ Practice Questions
Practice by topic with detailed answer explanations
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
Review the latest update date on each resource
$0 Forever
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What You'll Study
43 chapters covering the exam topics in this guide
Standalone Coverage Map
1 sections
New Hampshire Federal and State-Law Addendum
2 sections
National Life & Health Portion: Introduction
1 sections
National Life & Health Portion: Chapter 1: Principles of Insurance
4 sections
National Life & Health Portion: Chapter 2: Insurance Contracts
3 sections
National Life & Health Portion: Chapter 3: The Insurance Marketplace
3 sections
National Life & Health Portion: Chapter 4: Life Insurance Basics
3 sections
National Life & Health Portion: Chapter 5: Term Life Insurance
3 sections
National Life & Health Portion: Chapter 6: Whole Life Insurance
3 sections
National Life & Health Portion: Chapter 7: Universal Life Insurance
4 sections
National Life & Health Portion: Chapter 8: Variable Life Insurance
4 sections
National Life & Health Portion: Chapter 9: Specialized Life Insurance Products
4 sections
National Life & Health Portion: Chapter 10: Life Insurance Policy Provisions
4 sections
National Life & Health Portion: Chapter 11: Policy Options and Riders
4 sections
National Life & Health Portion: Chapter 12: Underwriting and Policy Delivery
4 sections
National Life & Health Portion: Chapter 13: Group Life Insurance
5 sections
National Life & Health Portion: Chapter 14: Annuity Fundamentals
3 sections
National Life & Health Portion: Chapter 15: Types of Annuities
4 sections
National Life & Health Portion: Chapter 16: Annuity Payout Options
3 sections
National Life & Health Portion: Chapter 17: Taxation of Life Insurance
3 sections
National Life & Health Portion: Chapter 18: Taxation of Annuities
3 sections
National Life & Health Portion: Chapter 19: Qualified Retirement Plans
3 sections
National Life & Health Portion: Chapter 20: Health Insurance Basics
3 sections
National Life & Health Portion: Chapter 21: Medical Expense Insurance
4 sections
National Life & Health Portion: Chapter 22: Health Insurance Policy Provisions
3 sections
National Life & Health Portion: Chapter 23: Group Health Insurance
4 sections
National Life & Health Portion: Chapter 24: Disability Income Insurance
4 sections
National Life & Health Portion: Chapter 25: Long-Term Care Insurance
4 sections
National Life & Health Portion: Chapter 26: Dental and Other Health Products
4 sections
National Life & Health Portion: Chapter 27: Medicare
5 sections
National Life & Health Portion: Chapter 28: Medicare Supplement (Medigap)
2 sections
National Life & Health Portion: Chapter 29: Medicaid and Other Government Programs
3 sections
National Life & Health Portion: Chapter 30: The Affordable Care Act (ACA)
4 sections
National Life & Health Portion: Chapter 31: Health Insurance Taxation
4 sections
National Life & Health Portion: Chapter 32: Insurance Regulation
3 sections
National Life & Health Portion: Chapter 33: Producer Licensing and Conduct
3 sections
National Life & Health Portion: Chapter 34: Unfair Trade Practices
3 sections
National Life & Health Portion: Chapter 35: Policy Replacement and Ethics
3 sections
Introduction: New Hampshire Life & Health Insurance Exam Overview
1 sections
Chapter 1: New Hampshire Insurance Regulation & Licensing
3 sections
Chapter 2: New Hampshire Life Insurance Laws
3 sections
Chapter 3: New Hampshire Health Insurance Laws
2 sections
Chapter 4: New Hampshire Insurance Ethics & Prohibited Practices
3 sections
NH L&H-Specific Topics Covered
NH L&H Exam Details
New Hampshire Life & Health Insurance
Administered by New Hampshire Insurance Department (NHID) / PSI Services
Exam Content Breakdown
Based on the official New Hampshire Insurance Department (NHID) / PSI Services content outline
Insurance concepts, contract rules, producer authority, and foundational terminology tested in mixed scenarios
Life policy basics/provisions, policy types, replacement, annuity suitability, and life/retirement concepts
Health policy structures, disability income, managed care, Medicare supplement, long-term care, and related policy provisions
What's Included
43 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
Quality Exam Prep Shouldn't Cost Hundreds
I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.
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What's Next After the NH L&H?
After passing the NH L&H, you can pursue these career paths
NH L&H Exam FAQ
Official New Hampshire Insurance Department (NHID) / PSI Services Resources
Verify information with these official sources
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