What to Expect on the New York Insurance Licensing Exam
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Quick Answers:
- New York insurance exams are administered by PSI Services at testing centers statewide or via remote proctoring, and require a 70% score to pass.
- The exam format, question count, and time limit depend on your line of authority — ranging from 80 to 150 questions over 1.5 to 2.5 hours.
- You must complete state-approved pre-licensing education through the New York Department of Financial Services (NYDFS) before sitting for the exam.
Walking into your New York insurance licensing exam shouldn't feel like walking into the unknown. Whether you're pursuing a Life and Health or Property and Casualty license, knowing the exam structure, what to bring, and how the scoring works gives you a real edge. New York exams are administered by PSI ServicesTest Takers on behalf of the New York Department of Financial Services (NYDFS)Agents_and_brokers Home Apps_and_licensing.
How Is the New York Insurance Exam Structured?
Every New York licensing exam is multiple-choice and computer-based. Each exam covers two sections: a general knowledge portion testing national insurance principles and a state-specific portion covering New York laws and regulations. Both sections are scored together as one exam — you need an overall 70% to pass.
| Exam Type | Total Questions | Time Limit | Passing Score |
|---|---|---|---|
| Life | 100 | 2 hours | 70% |
| Accident & Health | 150 | 2.5 hours | 70% |
| Life, Accident & Health (Combined) | 150 | 2.5 hours | 70% |
| Property & Casualty | 150 | 2.5 hours | 70% |
| Personal Lines | 80 | 1.5 hours | 70% |
What Do You Need to Bring on Test Day?
You'll need two valid forms of government-issued identification, and at least one must include your name and photograph. Common accepted forms include a driver's license, passport, or military ID. No personal items, cell phones, calculators, or electronic devices are permitted in the testing area. Arrive early — late arrivals forfeit their exam fee with no refund.
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What Topics Does the Exam Cover?
The general section tests foundational insurance concepts like policy types, underwriting principles, contract law, and ethical practices. The state section focuses on New York insurance law, regulations, and consumer protection rules specific to the NYDFS. Studying both sections equally is important, since many test-takers underestimate the state-specific portion. A solid study strategyPre License How To Study Insurance Licensing Exam Resources should cover both areas in depth.
Pre-Licensing Education Requirements for New York
Unlike some states that have eliminated pre-licensing education, New York still requires it. You must complete a NYDFS-approved course before scheduling your exam. Required hours depend on your license type: 40 hours for Life, Accident and Health; 20 hours for Life only or Accident and Health only; and 90 hours for Property and Casualty. Understanding which license typePre License Property And Casualty Vs Life And Health Vs All Lines Resources fits your goals will determine your education path.
What Happens After You Pass?
You'll receive a printed score report immediately after the exam. If you pass, your score is valid for two years — meaning you must submit your license application to the NYDFS within that window. Applications go through NIPR, and you'll also need to complete fingerprinting through IdentoGO. Once approved, you'll receive instructions to print your license and can begin pursuing carrier appointmentsPre License What Are The Best Paying Jobs In Insurance Resources.
How New York Compares to Other States
New York's exam is among the more rigorous in the country. With higher pre-licensing education hour requirements (up to 90 hours for P&C) and a comprehensive state law section, it demands more preparation than states like Oklahoma or North Carolina, which don't require pre-licensing education. That said, the knowledge you build prepares you for a successful careerPre License Tips Becoming A Successful Insurance Agent Resources in one of the nation's largest insurance markets.
Prepare with Confidence Using Aceable Insurance
New York's insurance exam is challenging, but it's absolutely passable with the right preparation. Aceable Insurance offers modern, mobile-friendly courses built specifically to help you master the material and get licensed efficientlyPre License How To Get An Insurance License Resources. From interactive lessons to practice exams that mirror the real test, Aceable sets you up for first-attempt success.
Start your New York insurance exam prep today with Aceable Insurance and walk into test day with confidence.
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