New Hampshire Insurance Exam Cheat Sheet
Unlock the official New Hampshire Life & Health exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free New Hampshire practice questions to test your knowledge.
What's Covered on the New Hampshire Life & Health Exam
Key exam lines — know what each one tests
Life Insurance Line
- Term, Whole, Universal & Variable Life policies
- Annuities (fixed, variable, immediate, deferred)
- Beneficiary designations & settlement options
- Policy riders: waiver of premium, AD&D, COLA
- Replacement rules & suitability requirements
- Grace period: 31 Days | Free-look: 10 Days (30 Days)
Health Insurance Line
- Individual & group health, HMO, PPO, EPO, POS plans
- Medicare Parts A, B, C, D & Medigap supplements
- Medicaid & CHIP eligibility rules
- COBRA, HIPAA, ACA & continuation provisions
- Disability income: STD & LTD elimination periods
- Grace periods: 7 / 10 / 31 days by premium mode
Download Your Free New Hampshire Cram Sheet
A 3-page PDF packed with the highest-yield facts for the New Hampshire Life & Health licensing exam. Enter your email to get instant access.
Get the Free PDF
Instant download, no spam
Frequently Asked Questions
Q: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.
Q: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.
Q: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.
Q: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.
Q: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.
Q: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.