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New York Life, Accident/Health Insurance Agent/Broker Examination
The New York Life, Accident/Health Insurance Agent/Broker Examination is the combined state licensing exam a candidate must pass (70% of questions correct — 105 of 150) for a New York life, accident & health agent (LA) or broker (LB) license: a 150-question multiple-choice exam administered electronically by PSI Services under contract with the New York State Department of Financial Services, offered at PSI testing centers in New York and via online testing; a passing exam must be on file within 2 years of applying for the license. Separate 100-question Life-only and Accident/Health-only exams exist for single-line licensure.
Official exam siteJump to prep options ↓
Questions150 questions on the combined Life, Accident/Health Insurance Agent/Broker exam (the separate Life Insurance Agent/Broker and Accident/Health Insurance Agent/Broker exams each have 100 questions; exam question counts range from 40 to 150 across New York's licensing exam categories)
Testing timeNot publicly disclosed — The current first-party exam pages and candidate materials cited for this record were reviewed; they do not publish this field.
ScoringPass requires correctly answering 70% of the questions — 105 of 150 correct answers on the combined Life, Accident/Health exam; scores are based on the number of questions answered correctly
Exam feeNot publicly disclosed — The current first-party exam pages and candidate materials cited for this record were reviewed; they do not publish this field.
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Exam overview
What to know before choosing your prep
- Who runs it
- NYDFS
- Category
- Life & Health Insurance Licensing
- Current version
- Current specification; no public version label — DFS identifies the exam administratively as the 'Life, Accident/Health Insurance Agent/Broker' examination category (third-party listings cite PSI series code 17-55 for the combined exam, not verifiable on an official page)
- Where it applies
- US-NY, United States
- Exam languages
- English
- Testing provider
- PSI Services LLC (provides all examination services for New York insurance licensing candidates)
- Format
- Computer-based (administered electronically), multiple-choice; offered at PSI testing centers located in cities across New York State and via online testing
- Availability
- Year-round by appointment: scheduling online or by phone through PSI; exam sessions are available at least 6 weeks in advance and PSI recommends scheduling 4-6 weeks before the preferred date; appointments can typically be made up to 1 day prior if space is available
- Score validity
- Passing exam data must be on file for an exam taken within 2 years of applying for the license
- Remote testing
- Available
Exam structure
One 150-question multiple-choice exam covering the combined life and accident/health agent/broker examination category, administered electronically; candidates sitting for single-line licensure instead take the separate 100-question Life Insurance Agent/Broker or Accident/Health Insurance Agent/Broker exam; DFS publishes an Exam Content Topic Locator for the Life exam mapping topic areas to percentages (e.g., Insurance Regulation 10%, Life Insurance Basics 19%, Annuities 10%) for prelicensing-course approval
Where rules vary
New York State insurance producer licensing examination required under New York Insurance Law (§ 2103 for agents, § 2104 for brokers; § 214 requires the Superintendent's annual study of these examinations); it is the exam for New York resident and non-resident life, accident & health agent/broker licensure.
Eligibility
Completion of a Department-approved prelicensing education course totaling not less than 40 hours of instruction for the life, accident & health authority (or not less than 20 hours for either life only or accident & health only authority), or an exemption via a professional designation (CLU, CLUA, ChFC, MSFS, CPCU) or permitted work experience; exam passed within 2 years of applying for the license
Retake policy
Retake permitted after a mandatory waiting period; the program-specific waiting period and rescheduling rules are published in the Candidate Information Bulletin (PSI requires 2 business days' notice to reschedule without penalty)