MN L&H
Minnesota Life & Health Insurance License Exam
Minnesota regulates Life & Health producer licensing through Minnesota Department of Commerce, with the exam delivered by PSI Services LLC. The combined Life & Health exam has 130 questions with a 3 hours time limit. Passing requires 70%. The exam fee is $45. Minnesota requires 40 hours of approved prelicensing education before you may sit the exam. C3RT includes Life & Health practice content built specifically for Minnesota, covering national concepts plus Minnesota statute, producer duties, and ethics.
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MN L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Minnesota Life & Health Insurance License Exam |
| Governing Body | Minnesota Department of Commerce |
| Number of Questions | 130 |
| Time Limit | 3 hours |
| Passing Score | 70% |
| Exam Fee | $45 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Minnesota Department of Commerce official website ↗ |
MN L&H Content Areas and Domains
Domain areas are sourced from the Minnesota Department of Commerce content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Minnesota insurance law and regulations
How C3RT Helps You Pass the MN L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the MN L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real MN L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample MN L&H Practice Questions
Q1.In Minnesota, what requirement must a certificate of insurance for a group life policy include regarding death benefits of $15,000 or more?
- A mandatory clause stating that all proceeds must be paid into a trust account.
- Only lump sums are allowed as the standard method of payout.
- No statement is required regardless of the amount of the death benefit.
- A statement that alternative payment methods must be offered to beneficiaries in lieu of a lump-sum distribution.Correct
Minnesota law requires certificates to offer alternative payment methods for benefits of $15,000 or more. The other options are incorrect because they either ignore the specific state requirement or suggest restrictions not found in the statute.
Q2.Under Minnesota state law, which of the following best describes the definition of 'guaranteed renewable' for a disability income insurance policy?
- The insurer may decline renewal or change coverage terms at any time based on the insured's health status.
- The insurer may change coverage terms as long as they provide 60 days' notice to the policyholder.
- Fraud is not a valid legal ground for an insurer to deny the renewal of a guaranteed renewable policy.
- Renewal cannot be declined or coverage changed except in cases of nonpayment of premiums, fraud, or misrepresentation.Correct
In Minnesota, guaranteed renewable means the insurer cannot decline renewal or change coverage except for nonpayment, fraud, or misrepresentation. The other options incorrectly suggest that health status is a factor or that fraud is not a valid exception.
Q3.In the state of Minnesota, if a resident holds a noncancelable disability income insurance policy, which of the following actions is prohibited by state law?
- The insurer may change coverage for any reason.
- The insurer may decline renewal due to nonpayment of premiums.
- The insurer may revise the premium rates.Correct
- Rates can be revised on a class basis.
In Minnesota, 'noncancelable' specifically prohibits the insurer from revising rates or declining renewal for reasons other than nonpayment, fraud, or misrepresentation. Options 0 and 3 are incorrect because they describe actions that would violate the noncancelable definition.
MN L&H Frequently Asked Questions
What does MN L&H stand for?
MN L&H stands for Minnesota Life & Health Insurance License Exam. It is administered by Minnesota Department of Commerce.
Who administers the MN L&H?
The Minnesota Life & Health Insurance License Exam (MN L&H) is administered by Minnesota Department of Commerce. For official information, visit the Minnesota Department of Commerce website.
How many questions is the MN L&H?
The MN L&H consists of 130 questions. Candidates are given 3 hours to complete the exam.
What is the passing score for the MN L&H?
The passing score for the MN L&H is 70%, as set by Minnesota Department of Commerce. Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the MN L&H exam cost?
The MN L&H exam fee is $45. This fee is set by Minnesota Department of Commerce and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Minnesota Life & Health exam?
The Minnesota combined Life & Health exam has 130 scored questions, a 3 hours time limit, a $45 exam fee. Passing requires 70%. It is delivered by PSI Services LLC.
Does Minnesota require prelicensing education for Life & Health?
Yes. Minnesota requires 40 hours of approved prelicensing education before you may sit the Life & Health exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through a Minnesota-approved provider.
What score do I need to pass the Minnesota Life & Health exam?
Minnesota requires 70% on the Life & Health exam. Confirm the current standard with Minnesota Department of Commerce, since passing standards can change.
Is the Life & Health exam different in Minnesota than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Minnesota tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Minnesota Department of Commerce.
C3RT is a native iOS and macOS exam preparation platform covering the Minnesota Life & Health Insurance License Exam (MN L&H), a Insurance Licensing certification, administered by Minnesota Department of Commerce. C3RT is not affiliated with or endorsed by Minnesota Department of Commerce. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Minnesota Department of Commerce official website ↗ .