Master the New Hampshire Life & Health Insurance Exam
Prepare for the official New Hampshire Life and Health insurance producer licensing exam. Study state insurance statutes, life insurance policies, annuities, and sickness & health provisions. Prepare for the combined license or focus on the Life-only or Health-only exam. Preparing for P&C? Check here.
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How to Pass the New Hampshire Insurance Exam
Quick glance at the New Hampshire Insurance Exam
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Life & Health insurance license in New Hampshire must pass this state licensing exam administered by PSI.
Pre-Licensing Requirements
You must be 18+, complete pre-licensing education requirements, and submit any required documentation before your New Hampshire insurance license can be issued.
Local Testing Centers
Take your PSI exam in-person at authorized testing locations across New Hampshire, including:
Official Licensing Resources
Access official state contacts, exam guides, and scheduling portals:
Master Your New Hampshire Insurance Licensing Exam
Learn from expert insights and avoid the most common pitfalls that trip up test-takers in New Hampshire, and master key terms in our Glossary.
Study Tips
Expert strategies for success
Focus on New Hampshire Insurance Code
New Hampshire has unique regulations that differ from other states. Pay special attention to NHID rules on producer licensing, unfair trade practices, replacement regulations, and the NH Life & Health Guaranty Association limits.
Practice with exam-style questions
The New Hampshire insurance exam uses scenario-based multiple choice questions administered by PSI. Practice with realistic questions to build familiarity with the format and time management under the combined 2.5-hour time limit.
Study life and health insurance together
The combined exam covers both lines. Aim for consistently scoring 80% or higher on practice tests before taking the real exam to ensure a comfortable margin above the 70% pass threshold.
Master NH-specific regulatory details
High-yield NH topics include the Guaranty Association coverage limits, producer CE requirements (24 hours/2 years, 3 hours ethics), the 60-day CE deadline, and in-person-only exam requirement since July 2026.
Common Mistakes
Pitfalls to avoid on test day
New Hampshire replacement regulations
NH has specific rules on replacing life insurance policies, requiring proper disclosure to the applicant and notice to the existing insurer within 5 business days. Candidates frequently miss the 30-day free-look period required for replacement contracts.
Annuity taxation rules
Many test-takers confuse the tax treatment of qualified vs. non-qualified annuities, and the LIFO vs. FIFO rules for withdrawals from non-qualified annuities. The 10% early withdrawal penalty before age 59½ is heavily tested.
Free-look period specifics
New Hampshire mandates specific free-look periods depending on the type of policy. Standard policies require 10 days, Medicare Supplement policies require 30 days, and Long-Term Care policies require 30 days. Candidates often mix these up.
Continuing education deadlines
NH requires 24 CE hours every 2 years with 3 hours in ethics, and credits must be completed at least 60 days before the license expiration date. First-renewal licensees who passed the NH exam are exempt from CE.
Ready to put these tips into practice?
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Free NH Insurance Exam Practice PDF
Download a comprehensive practice test with 50 insurance questions, including New Hampshire law topics, with answers. Perfect for offline study!
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Free NH Cram Cheat Sheet & Guide
Access our comprehensive study cheat sheet covering essential New Hampshire insurance licensing timelines, grace periods, and exam metrics.
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Your Questions Answered
Quick answers to the most common questions about the New Hampshire insurance licensing exam
How do I pass the New Hampshire Life, Accident & Health insurance exam?
Start by studying core life and health insurance concepts, annuity principles, and New Hampshire-specific insurance laws and rules. Focus heavily on state statutes such as the Life and Health Insurance Guaranty Association (RSA 404-D) and producer licensing regulations. Practice with full-length timed exams to build pacing and aim to score consistently at 80% or higher before exam day to comfortably exceed the official 70% passing threshold.
How many questions are on the New Hampshire insurance exam and what is the passing score?
The combined New Hampshire Life, Accident & Health examination contains 150 multiple-choice questions (140 scored plus 10 unscored pretest questions) with a 2-hour 30-minute (150 minutes) time limit. You need a score of 70% (at least 105 correct scored answers) to pass. Single-line Life Only or Accident & Health Only exams each have 100 questions (90 scored plus 10 pretest) with a 2-hour limit and also require a 70% passing score.
What topics are covered on the New Hampshire Life & Health exam?
The exam covers General Insurance principles, Life Insurance policies, provisions, options, and riders; Health Insurance coverage types, disability income, group plans, and Medicare supplements; Annuities; and New Hampshire Insurance Law & Ethics. State-specific topics include the powers of the Insurance Commissioner, producer licensing rules under RSA 402-J, unfair trade practices, and the Life and Health Guaranty Association.
How much does the New Hampshire insurance exam cost and where do I take it?
The examination fee is $72 for the combined Life, Accident & Health exam, or $59 for single-line exams, paid directly to PSI Services LLC when scheduling. Examinations are administered in person at official PSI testing centers located across New Hampshire, including Concord, Keene, Nashua, Newington, Portsmouth, and Manchester. Schedule your exam appointment online through the PSI candidate portal at test-takers.psiexams.com/nhins.
Do I need pre-licensing education for a New Hampshire insurance license?
No. New Hampshire does not mandate statutory pre-licensing classroom hours before taking the exam. However, comprehensive self-directed study using realistic practice exams, flashcards, and study guides is strongly recommended to master both national insurance principles and state-specific New Hampshire insurance statutes.
What happens if I fail the New Hampshire insurance exam?
If you do not pass, you will receive an immediate diagnostic score report from PSI showing your performance across each topic area to help you target your review. You must wait 24 hours before scheduling a re-examination through the PSI portal and must pay the full exam fee for each attempt. There is no statutory limit on the number of retakes allowed.
Your First Step to Getting Licensed
Questions are manually curated by our content team using official New Hampshire Insurance Department exam outlines and study materials. We adhere to strict Editorial Standards to ensure accuracy. Each question covers topics from the Life & Health exam — so you practice with questions that closely mirror the actual PSI licensing exam.
Life Insurance
315 questions
Health Insurance
314 questions
General Insurance
165 questions
Annuities
147 questions
NH Law & Ethics
135 questions
Free Full-Length Line Practice Exams (25 Qs Each)
Life & Annuities Practice Exams
Realistic practice tests covering general principles, policy provisions, riders, annuities, and New Hampshire life insurance laws.
Accident & Health Practice Exams
Realistic practice tests covering medical expense plans, disability income, Medicare, and New Hampshire health insurance laws.
Flashcards
500+ Flashcards
Full Question Bank
1,050+ exam-like questions
Hard Questions
Tricky questions people miss
Built for One Goal: Pass the Insurance Exam on Your First Try
Practice what the exam actually tests — life, health, annuities, and New Hampshire state law.
3 Full-Length Practice Tests Included
Get instant access to our printable 450-question practice exam book. Includes 3 complete Life & Health insurance practice tests — each with a 75-question Life section and a 75-question Health section — plus detailed answer keys with explanations. Perfect for timed practice sessions that mirror the real exam.
