NM L&H
New Mexico Life & Health Insurance License Exam
New Mexico regulates Life & Health producer licensing through New Mexico Office of Superintendent of Insurance (OSI), with the exam delivered by PSI. The combined Life & Health exam has 150 questions with a 2.5 hours time limit. Passing requires 70%. The exam fee is $75. New Mexico does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for New Mexico, covering national concepts plus New Mexico statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
NM L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | New Mexico Life & Health Insurance License Exam |
| Governing Body | New Mexico Office of Superintendent of Insurance (OSI) |
| Number of Questions | 150 |
| Time Limit | 2.5 hours |
| Passing Score | 70% |
| Exam Fee | $75 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | New Mexico Office of Superintendent of Insurance (OSI) official website ↗ |
NM L&H Content Areas and Domains
Domain areas are sourced from the New Mexico Office of Superintendent of Insurance (OSI) 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 Mexico insurance law and regulations
How C3RT Helps You Pass the NM L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the NM L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real NM 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 NM L&H Practice Questions
Q1.In New Mexico, which of the following types of insurance is specifically excluded from the definition of 'health insurance' or 'health care plan' for certain filing requirements?
- Hospital expense plans
- Dental coverage plans
- Medical expense plans
- Disability income insuranceCorrect
New Mexico statutes specifically exclude disability income policies from the definition of 'health insurance' or 'health care plan.' Hospital and medical expense plans are included in those definitions.
Q2.A New Mexico resident insurance producer intends to sell long-term care insurance. Which of the following statements accurately describes the training requirements for this license?
- The producer must complete 10 hours of approved long-term care training (LTCT).
- The producer must complete eight hours of approved long-term care training (LTCT).Correct
- Only non-resident producers are required to complete LTCT before selling policies in New Mexico.
- No specific training is required as long as the producer holds a standard life insurance license.
New Mexico law specifically requires resident licensees to complete eight hours of LTCT. The other options are incorrect because they either state an incorrect hour requirement (10), incorrectly exempt residents from training, or suggest no training is required.
Q3.A resident producer in New Mexico has completed 8 hours of Long-Term Care Training (LTCT). How do these hours apply toward the producer's continuing education (CE) requirements?
- LTCT hours cannot be applied toward annual CE requirements.
- Only nonresidents are permitted to apply LTCT hours toward their CE.
- The producer can apply the completed LTCT hours toward their state CE requirements.Correct
- LTCT hours only count if they were completed during the current calendar year.
In New Mexico, resident licensees are permitted to apply completed long-term care training (LTCT) hours toward their continuing education requirements. The other options incorrectly state that LTCT is ineligible or restricted only to nonresidents.
NM L&H Frequently Asked Questions
What does NM L&H stand for?
NM L&H stands for New Mexico Life & Health Insurance License Exam. It is administered by New Mexico Office of Superintendent of Insurance (OSI).
Who administers the NM L&H?
The New Mexico Life & Health Insurance License Exam (NM L&H) is administered by New Mexico Office of Superintendent of Insurance (OSI). For official information, visit the New Mexico Office of Superintendent of Insurance (OSI) website.
How many questions is the NM L&H?
The NM L&H consists of 150 questions. Candidates are given 2.5 hours to complete the exam.
What is the passing score for the NM L&H?
The passing score for the NM L&H is 70%, as set by New Mexico Office of Superintendent of Insurance (OSI). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the NM L&H exam cost?
The NM L&H exam fee is $75. This fee is set by New Mexico Office of Superintendent of Insurance (OSI) 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 Mexico Life & Health exam?
The New Mexico combined Life & Health exam has 150 scored questions, a 2.5 hours time limit, a $75 exam fee. Passing requires 70%. It is delivered by PSI.
Does New Mexico require prelicensing education for Life & Health?
No. New Mexico does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the New Mexico Life & Health exam?
New Mexico requires 70% on the Life & Health exam. Confirm the current standard with New Mexico Office of Superintendent of Insurance (OSI), since passing standards can change.
Is the Life & Health exam different in New Mexico than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but New Mexico tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by New Mexico Office of Superintendent of Insurance (OSI).
C3RT is a native iOS and macOS exam preparation platform covering the New Mexico Life & Health Insurance License Exam (NM L&H), a Insurance Licensing certification, administered by New Mexico Office of Superintendent of Insurance (OSI). C3RT is not affiliated with or endorsed by New Mexico Office of Superintendent of Insurance (OSI). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the New Mexico Office of Superintendent of Insurance (OSI) official website ↗ .