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North Dakota Life & Health license exam prep

North Dakota Life & Health Insurance Practice Test 2026

Practice the exam North Dakota uses, from general life & health knowledge to North Dakota's own insurance law. Every answer quotes the statute behind it.

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What the North Dakota exam tests

General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus North Dakota's own insurance law.

North Dakota requirement to pass

110 scored questions on each of the Health and Life exams, 2 hours 30 minutes allowed. The passing score is set by North Dakota; check the candidate handbook.

Last verified September 2026 · Life Insurance Examination Content Outline

North Dakota

Life & Health

Time per question
About 1.4 minutes
Combined or separate exams
Separate Health and Life exams
Who runs the exam
PSI, an independent testing company
Exam fee
$67 listed (the exact fee depends on the exam you take)
State license fee
$100 listed (it depends on the license type), paid to the North Dakota Department of Insurance
Pre-licensing education
Life: not required; Accident & Health: not required

From North Dakota's published exam materials.

Study by topic

Master each topic before your North Dakota exam. First 4 topics are free to start.

PersonalizedStudy your weak spots first PRO
North Dakota insurance lawPRO94 questionsPractice run: State Insurance Statutes & Regulations20 questions free, 25 with Pro · mixed topicsStart run

Pro study tools

The free runs cover the basics. These tools answer one question: would you pass the Life & Health test today?

Your Life & Health readiness, before you book.

This is a sample report. With Pro, the score and every dimension come from your own answers.

SAMPLE SCORE BREAKDOWN
SAMPLE
Coverage62%
Accuracy78%
Test Performance71%
Memory66%
Speed84%
81% likely to pass (sample)Focus on: Coverage

About the North Dakota 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 it covers

  • Life insurance policy types, provisions and riders
  • Annuities and how they are taxed
  • Accident and health insurance, including HMOs and managed care
  • Your state's producer licensing, marketing and unfair trade practice rules

Who takes it

New agents and career changers getting a first producer license, and agents adding life and health to an existing license.

Frequently asked questions

North Dakota publishes 110 scored questions on each of the Health and Life exams. Exams also include a few unscored pretest questions.

North Dakota tests Health and Life as separate exams, so each is a separate sitting with its own score. Study the Life topics for the Life exam and the Accident & Health topics for the Health exam.

The passing score is set by North Dakota. Most states use 70%, but check the North Dakota candidate handbook from the testing vendor for the exact figure.

North Dakota uses PSI, an independent testing company that schedules and runs licensing exams. Its candidate handbook explains how to register and what to bring.

The testing company lists an exam fee of $67, paid when you register; the exact amount depends on which exam you take. The North Dakota Department of Insurance lists $100 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

Life: not required; Accident & Health: not required. Confirm the current rule with the North Dakota Department of Insurance before you register, because requirements change.

Retake rules come from North Dakota and its testing vendor: you pay the fee again and, in some cases, wait a set number of days. Check the North Dakota candidate handbook from the testing vendor for the exact figure.

Passing is one step. You then apply for the license through the North Dakota Department of Insurance, usually with a background check and a fee.

Yes. Each state writes its own version, combining general life & health knowledge with North Dakota insurance law.

More North Dakota practice tests

North Dakota Property & Casualty practice testNorth Dakota Personal Lines practice test

Life & Health practice tests in other states

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See all Life & Health states →