Free NM L&H Exam Prep
New Mexico Life, Accident & Health or Sickness Insurance Producer
Prepare for the NM 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 Mexico Life & Health Insurance License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
Exam Logistics and NM Licensing LawYou are here
Lock in test format (150 items/2.5 hours/70%), OSI authority, NMSA Chapter 59A structure, licensing workflow, and retake rules.
Life Policy and Annuity Core
Cover life policy types, provisions, riders, replacement rules, annuity structures, suitability standards, and tax treatment basics.
Health, Disability, and Public Programs
Drill medical plan types, disability definitions, group coverage, HIPAA/ACA items, Medicare/Medicaid, and long-term care concepts.
Timed Mixed Sets and NM Statute Review
Run full timed sets and finish with targeted review on unfair practices, fiduciary duties, privacy, and complaint/claims statutes.
Can You Take the NM L&H Exam?
Check if you meet the basic eligibility requirements
- •Pass Series 18-27 with a 70% score
- •After four failed attempts, a six-month wait applies under NMSA 59A-11-6(E)
- •License application materials should be submitted within one year after passing
- •Renew biennially by birth month and satisfy applicable CE/training requirements
NM L&H Quick Facts
Time to Get Licensed
4-8 weeks for most first-time candidates
From start to license in hand
Retake Policy
Candidates may attempt up to four times per line of authority; after the fourth unsuccessful attempt a six-month waiting period applies.
Total Cost Breakdown
Free NM L&H Prep Tools
Reported exam pass rate: Not publicly published by OSI/PSI. Check the exam sponsor for the latest official figure.
649+ 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
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$0 Forever
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What You'll Study
24 chapters covering the exam topics in this guide
Standalone Coverage Map
1 sections
Introduction: New Mexico Life & Health Insurance Exam Overview
1 sections
National Portion: Insurance & Risk Fundamentals
5 sections
National Portion: Life Insurance Basics
4 sections
National Portion: Interest-Sensitive & Variable Life
4 sections
National Portion: Life Policy Provisions & Options
4 sections
National Portion: Life Riders & Underwriting
4 sections
National Portion: Annuities - Structure & Types
4 sections
National Portion: Annuities - Payout, Uses & Suitability
3 sections
National Portion: Life & Annuity Taxation, Group, and Retirement
4 sections
National Portion: Health Insurance Basics
4 sections
National Portion: Disability Income Insurance
4 sections
National Portion: Health Policy Provisions & Clauses
4 sections
National Portion: Group Health & Employer Plans
4 sections
National Portion: Senior & Government Health Programs
4 sections
National Portion: Long-Term Care & Supplemental Health
4 sections
National Portion: Affordable Care Act & Individual Market
3 sections
National Portion: Underwriting, Producers & Claims
3 sections
National Portion: Insurance Regulation & Licensing
3 sections
National Portion: Ethics & Unfair Trade Practices
3 sections
Chapter 1: New Mexico Insurance Regulation & Licensing
3 sections
Chapter 2: New Mexico Life Insurance Laws
3 sections
Chapter 3: New Mexico Health Insurance Laws
2 sections
Chapter 4: New Mexico Insurance Ethics & Prohibited Practices
3 sections
NM L&H-Specific Topics Covered
NM L&H Exam Details
New Mexico Life, Accident & Health or Sickness Insurance Producer
Administered by New Mexico Office of Superintendent of Insurance (OSI) / PSI
Exam Content Breakdown
Based on the official New Mexico Office of Superintendent of Insurance (OSI) / PSI content outline
NM licensing law, Superintendent authority, producer regulation, unfair trade practices, fraud, and privacy references
Federal laws (FCRA, 1033/1034, privacy) and core insurance contract/risk concepts
Life basics, policy types/provisions/riders, replacement, annuities, and life-related tax concepts
A&H provisions, disability income, medical plans, group health, Medicare/Medicaid/LTC, and health tax concepts
What's Included
24 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.
Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.
What's Next After the NM L&H?
After passing the NM L&H, you can pursue these career paths
NM L&H Exam FAQ
Official New Mexico Office of Superintendent of Insurance (OSI) / PSI Resources
Verify information with these official sources
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