NH L&H
New Hampshire Life & Health Insurance License Exam
New Hampshire regulates Life & Health producer licensing through New Hampshire Insurance Department, with the exam delivered by PSI Services LLC. The combined Life & Health exam has 150 questions. Passing requires 70%. The exam fee is $59 (single line: Life 12-61 or A&H 12-62); $72 (combined Life, Accident & Health 12-63). C3RT includes Life & Health practice content built specifically for New Hampshire, covering national concepts plus New Hampshire statute, producer duties, and ethics.
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NH L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | New Hampshire Life & Health Insurance License Exam |
| Governing Body | New Hampshire Insurance Department |
| Number of Questions | 150 |
| Passing Score | 70% |
| Exam Fee | $59 (single line: Life 12-61 or A&H 12-62); $72 (combined Life, Accident & Health 12-63) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | New Hampshire Insurance Department official website ↗ |
NH L&H Content Areas and Domains
Domain areas are sourced from the New Hampshire Insurance Department 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
- ✓ New Hampshire insurance law and regulations
How C3RT Helps You Pass the NH L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the NH L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real NH 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 NH L&H Practice Questions
Q1.Under New Hampshire law, if an insured person moves from a low-risk office job to a high-risk construction job, how does the insurer adjust the disability income benefits?
- The premium remains the same and all benefits continue as originally contracted.
- Benefits are doubled to account for the increased risk of injury in construction.
- The insurer pays only the portion of benefits that the current premium would have purchased at the more hazardous occupation's rates.Correct
- The policy is automatically voided because the change in occupation constitutes a material change in risk.
In New Hampshire, benefits are prorated based on what the existing premium would have purchased at the higher hazard rate. The other options are incorrect because premiums do not stay static for increased risk, benefits are not doubled, and the policy is adjusted rather than voided.
Q2.In New Hampshire, when an insured has multiple disability insurance policies, how is an insurer's liability for proportionate benefits determined?
- The insurer is liable for the total benefits regardless of other coverage.
- The insurer is liable for a fixed percentage of earnings regardless of the timing of the loss.
- The insurer's liability is limited to the amount of monthly earnings or average monthly earnings relative to total monthly benefits at the time disability commences.Correct
- The insurer must pay the full benefit amount and seek reimbursement from other carriers later.
New Hampshire law specifically limits liability to the proportion of monthly earnings relative to total benefits at the start of disability. The other options incorrectly suggest unlimited liability or fixed percentages that do not account for the specific NH proportionate rule.
Q3.In New Hampshire, which of the following must be true regarding an insurer's definition of 'valid loss of time coverage'?
- It must be approved by the commissioner and limited to specific regulated or approved sources.Correct
- It may include any private employer-sponsored plan regardless of regulation.
- It can include unregulated union welfare plans as a standard offset.
- It is automatically valid for all government-funded disability programs.
New Hampshire law requires commissioner approval and limits 'valid loss of time' to governmental agencies, regulated organizations, or approved combinations. Unregulated union plans or general private plans are not permitted unless specifically authorized by the commissioner.
NH L&H Frequently Asked Questions
What does NH L&H stand for?
NH L&H stands for New Hampshire Life & Health Insurance License Exam. It is administered by New Hampshire Insurance Department.
Who administers the NH L&H?
The New Hampshire Life & Health Insurance License Exam (NH L&H) is administered by New Hampshire Insurance Department. For official information, visit the New Hampshire Insurance Department website.
How many questions is the NH L&H?
The NH L&H consists of 150 questions.
What is the passing score for the NH L&H?
The passing score for the NH L&H is 70%, as set by New Hampshire Insurance Department. Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the NH L&H exam cost?
The NH L&H exam fee is $59 (single line: Life 12-61 or A&H 12-62); $72 (combined Life, Accident & Health 12-63). This fee is set by New Hampshire Insurance Department and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the New Hampshire Life & Health exam?
The New Hampshire combined Life & Health exam has 150 scored questions, a $59 (single line: Life 12-61 or A&H 12-62); $72 (combined Life, Accident & Health 12-63) exam fee. Passing requires 70%. It is delivered by PSI Services LLC.
Does New Hampshire require prelicensing education for Life & Health?
We could not confirm the current New Hampshire prelicensing hour requirement for Life & Health from an official source. Check with New Hampshire Insurance Department directly, since requirements change and several states have removed this requirement entirely.
What score do I need to pass the New Hampshire Life & Health exam?
New Hampshire requires 70% on the Life & Health exam. Confirm the current standard with New Hampshire Insurance Department, since passing standards can change.
Is the Life & Health exam different in New Hampshire than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but New Hampshire tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by New Hampshire Insurance Department.
C3RT is a native iOS and macOS exam preparation platform covering the New Hampshire Life & Health Insurance License Exam (NH L&H), a Insurance Licensing certification, administered by New Hampshire Insurance Department. C3RT is not affiliated with or endorsed by New Hampshire Insurance Department. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the New Hampshire Insurance Department official website ↗ .