New York Life & Health
Insurance Exam
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How to Pass the NY PSI Insurance Licensing Exam
Passing the New York Life, Accident & Health insurance exam requires mastering state laws, Regulation 187, and complex policy provisions. Our comprehensive study system helps you prepare with realistic practice questions and detailed explanations.
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Life, Accident & Health insurance license in New York 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 York insurance license can be issued.
Local Testing Centers
Take your PSI exam in-person at authorized testing locations across New York, including:
Official Licensing Resources
Access official state contacts, exam guides, and scheduling portals:
Master Your New York Insurance Licensing Exam
Learn from expert insights and avoid the most common pitfalls that trip up test-takers in New York, and master key terms in our Glossary.
Study Tips
Expert strategies for success
Study Regulation 187
This is a major focus in New York. Understand the requirements for suitability and best interest.
Focus on State Laws
A large portion of the exam is dedicated to New York specific laws and regulations. Do not skim this section.
Practice with Timed Exams
Build your stamina for the 150-question exam by taking full-length timed practice tests.
Understand Licensing Requirements
Know the CE requirements, renewal periods, and reporting duties for NY agents.
Common Mistakes
Pitfalls to avoid on test day
New York Insurance Law
NY has some of the strictest insurance regulations in the country. Specific laws regarding replacement and disclosure are frequently tested.
Regulation 187
Understanding the best interest standard for annuity and life insurance recommendations (Regulation 187) is crucial.
Controlled Business
Knowing the limits on controlled business (writing policies for yourself or family) in NY.
Free-Look Periods
Confusing the standard free-look periods with those for replacements or mail-order policies.
Ready to put these tips into practice?
Start with our free practice questions and see how you perform, then upgrade to access our complete study system.
Free NY Insurance Exam Practice PDF
Download our comprehensive practice test with 50 New York-specific insurance exam questions with answers. Perfect for offline study!
Instant download • No email required • Updated for 2026
Free NY Cram Cheat Sheet & Guide
Access our comprehensive study cheat sheet covering essential New York insurance licensing timelines, grace periods, and exam metrics.
Your Questions Answered
Quick answers to the most common questions about the New York insurance licensing exam
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.
What is the passing score for the NY insurance exam?
The passing score is 70%. You will need to answer approximately 105 questions correctly.
Who administers the New York insurance exam?
The exam is administered by PSI Services.
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.
How much does the exam cost?
The exam fee is $33 per attempt.
Where can I take the exam?
You can take the exam at a PSI testing center in New York or state-wide.
Your First Step to Getting Licensed
Questions are manually curated by our content team using official New York Department of Financial Services exam outlines and study materials. We adhere to strict Editorial Standards to ensure accuracy. Each question covers topics from the Life, Accident & 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
NY Law & Ethics
62 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 York life insurance laws.
Accident & Health Practice Exams
Realistic practice tests covering medical expense plans, disability income, Medicare, and New York health insurance laws.
Flashcards
500+ Flashcards
Full Question Bank
1050+ 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 York 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.
Essential New York Insurance Exam Guides & Tips
Master every aspect of the New York insurance licensing exam with our expert guides and insider knowledge.