New York Life & Health Insurance Cram Guide

New York Insurance Exam Cheat Sheet

Unlock the official New York exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free New York practice questions to test your knowledge.

What's Covered on the New York Life & Health Exam

Two 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 (20 if mail order) (30 Days (LTC/Medicare/Replacement))

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

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New York

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All 700+ New York practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

New York

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Perfect for studying at your own pace with zero pressure.

$129

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 700+ New York practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

New York

Pass with Confidence

30-day access - One-time payment

57% of our users prefer this option to ensure they pass on the first try.

$59

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 700+ New York practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

Master the Exam

90-day access - One-time payment

78% of candidates select this plan to guarantee a passing score.

$89

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 700+ New York practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

New York

Ultimate Flexibility

365-day access - One-time payment

Perfect for studying at your own pace with zero pressure.

$129

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 700+ New York practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

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Frequently Asked Questions

Q:How do I pass the New York insurance exam?

To pass, you need to study the New York specific content thoroughly, especially Insurance Law and Regulation 187. Complete a pre-licensing course and use our practice questions to reinforce your knowledge.

Q:What is the passing score for the NY insurance exam?

The passing score is 70%. You will need to answer approximately 105 questions correctly.

Q:Who administers the New York insurance exam?

The exam is administered by PSI Services.

Q:Is pre-licensing education required in New York?

Yes, New York requires completion of a pre-licensing course (20 hours for Life, 20 hours for Health, or 40 hours for combined) approved by the DFS.

Q:How much does the exam cost?

The exam fee is $33 per attempt.

Q:Where can I take the exam?

You can take the exam at a PSI testing center in New York or state-wide.