North Dakota Life & Annuities Insurance Exam Practice
Pass your North Dakota life & annuities licensing exam on your first attempt. Practice with real exam-style questions, study explanations, and track your pass probability.
Taking the combined exam? We also offer a combined practice test on our North Dakota Life & Health Insurance Prep Hub.
Interactive Life & Annuities Sample Questions
Try these 5 free sample questions below. Select an answer to see instant feedback and complete, structured explanations.
What is the primary purpose of life insurance?
Frequently Asked Questions (Life & Annuities)
Q:How do I pass the North Dakota Life and Health insurance exam?
Passing the North Dakota insurance exam requires mastering general insurance fundamentals, product mechanics, and state-specific laws under North Dakota Century Code Title 26.1. Start by reviewing official North Dakota Insurance Department (NDID) exam outlines, then study life insurance policies, health coverages, annuities, and state laws. Because North Dakota administers separate 110-question exams for Life & Annuity and Accident & Health (each with a 150-minute time limit), tailor your study schedule to the specific line you plan to test for. Work through realistic PSI-formatted practice questions and aim to consistently score 80% or higher on practice exams before scheduling your test with PSI.
Q:How many questions are on the North Dakota insurance exam and what score do I need to pass?
North Dakota offers two separate examinations through PSI: the Life Insurance & Annuity exam contains 110 multiple-choice questions (150 minutes), and the Accident & Health exam contains 110 multiple-choice questions (150 minutes). You must achieve a score of 70% or higher to pass either examination. Each exam contains both general insurance concept questions and North Dakota-specific law questions governed by N.D.C.C. Title 26.1. We recommend scoring 80% or higher on timed practice tests to ensure a comfortable margin above the 70% passing threshold on test day.
Q:What topics are covered on the North Dakota Life and Health insurance exams?
The exams cover core product concepts and state-specific insurance regulations. The Life & Annuity exam tests life insurance policy types, provisions, riders, beneficiaries, fixed and variable annuities, and tax treatment. The Accident & Health exam tests medical expense policies, disability income, group health mandates, Medicare supplements, and long-term care. Both exams test North Dakota Insurance Code (N.D.C.C. Title 26.1), producer licensing, 24-hour continuing education rules, 20-day life free-look periods, Comprehensive Health Association of North Dakota (CHAND) rules, and Life & Health Insurance Guaranty Association coverage limits ($300,000 life death benefit, $100,000 cash surrender, $500,000 health plans).
Q:How much does the North Dakota insurance exam cost and where do I take it?
The North Dakota insurance examination fee is $64 per exam attempt, paid directly to PSI Services LLC. Candidates can take the exam in-person at an authorized PSI test center in North Dakota—including testing locations in Fargo, Bismarck, Grand Forks, Minot, Dickinson, and Williston—or select PSI live online remote proctoring to test from home or office. To schedule an exam, visit candidate.psiexams.com or call PSI at (855) 746-8175. If you take both the Life & Annuity exam and the Accident & Health exam, each exam requires a separate registration and $64 fee.
Q:What are the pre-licensing education and licensing requirements for North Dakota?
North Dakota does not statutorily require classroom pre-licensing education hours prior to taking the exam. However, thorough self-study using exam-aligned practice tests is essential due to the technical nature of the PSI test. To receive a producer license from the North Dakota Insurance Department (NDID), candidate requirements include: passing the official PSI examination, submitting electronic fingerprints for a state and federal criminal background check, and completing the online license application via the National Insurance Producer Registry (NIPR). Resident producers must also maintain 24 hours of continuing education (including 3 ethics hours) every two years by the last day of their birth month.
Q:What happens if I fail the North Dakota insurance exam and how do retakes work?
If you do not achieve the 70% passing score on a North Dakota PSI exam, you will receive an immediate diagnostic score report breaking down your performance across each exam topic area. You may re-register for the exam through PSI as soon as the test results are posted to the system (typically within 24 hours). There is no statutory waiting period for initial retakes, but you must pay the full $64 examination fee for each attempt. Use your diagnostic report to identify weak areas—such as N.D.C.C. Title 26.1 laws or annuity taxation—and practice targeted questions in those topics before taking the exam again.