New York Life & Health Insurance Practice Test 2026

About the New York Life & Health exam

The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.

What is on the New York Life & Health test

New York's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.

Source: PSI New York Department of Financial Services Insurance Candidate Information Bulletin, Copyright © 2023 by PSI Services LLC, Updated 4/28/2023. Area weights are the bulletin's own percentages of the examination; 5 to 10 unscored experimental items are administered in addition to the item counts recorded here, so those counts are the scored counts. Sub-topic codes are positional (the bulletin's sub-topics are un-numbered indented lists); area order and nesting are the bulletin's own. (New York Department of Financial Services Insurance Candidate Information Bulletin). Confirm current weights with the testing company before you book.

New York official sources

• Individual life insurance policies; standard provisionsN.Y. Ins. Law s. 3203 · New York State Senate (nysenate.gov)
• Individual accident and health insurance policy provisionsN.Y. Ins. Law s. 3216 · New York State Senate (nysenate.gov)
• Revocation or suspension of producer licenseN.Y. Ins. Law s. 2110 · New York State Senate (nysenate.gov)
• Misrepresentations, misleading statements and incomplete comparisonsN.Y. Ins. Law s. 2123 · New York State Senate (nysenate.gov)
• Insurance Agents, Brokers, Adjusters, Consultants and IntermediariesNew York Insurance Law Article 21, Secs. 2101-2140 · New York State Senate, NYS Open Legislation (nysenate.gov)
• Unfair Methods of Competition and Unfair and Deceptive Acts and PracticesNew York Insurance Law Article 24, Secs. 2401-2409 · New York State Senate, NYS Open Legislation (nysenate.gov)
• Unfair Claim Settlement Practices and Interest Upon SettlementNew York Insurance Law Article 26, Secs. 2601-2620 · New York State Senate, NYS Open Legislation (nysenate.gov)
• Insurance Contracts: Life, Accident and Health, Annuities and Certain Property/Casualty Policies, first halfNew York Insurance Law Article 32, Secs. 3201-3220 · New York State Senate, NYS Open Legislation (nysenate.gov)

All New York insurance laws and exam sources

Provisions these questions cite most

Every answer quotes the provision it tests. These are the New York provisions the questions on this page cite most often.

• N.Y. Ins. Law § 3216 · Entire Contract; Changes13 questions
• N.Y. Ins. Law § 3203 · Exclusions / Restrictions on Liability10 questions
• N.Y. Ins. Law Article 32 § 3221 · Group A&H Standard Provisions - Certificate for Each Member of the Insured Group10 questions
• N.Y. Ins. Law § 2110 · Grounds for discipline: conversion of funds5 questions
• N.Y. Ins. Law Article 21 § 2102 · Acting Without a License4 questions
• N.Y. Ins. Law Article 32 § 3201 · Credit insurance form and rate approval4 questions
• N.Y. Ins. Law § 2123 · Misleading estimate of future dividends3 questions
• N.Y. Ins. Law Article 21 § 2101 · Definition of Insurance Broker3 questions

Exam figures on this page were checked against official pages: License fee · Pre-licensing. Confirm anything you rely on with the testing company and the New York Department of Insurance.