NY L&H
New York Life & Health Insurance License Exam
New York regulates Life & Health producer licensing through New York State Department of Financial Services (DFS), with the exam delivered by PSI. The combined Life & Health exam has 150 questions with a 2.5 hours time limit. Passing requires 70%. New York requires 40 hours of approved prelicensing education before you may sit the exam. C3RT includes Life & Health practice content built specifically for New York, covering national concepts plus New York statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
NY L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | New York Life & Health Insurance License Exam |
| Governing Body | New York State Department of Financial Services (DFS) |
| Number of Questions | 150 |
| Time Limit | 2.5 hours |
| Passing Score | 70% |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | New York State Department of Financial Services (DFS) official website ↗ |
NY L&H Content Areas and Domains
Domain areas are sourced from the New York State Department of Financial Services (DFS) 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 York insurance law and regulations
How C3RT Helps You Pass the NY L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the NY L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real NY 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 NY L&H Practice Questions
Q1.In the state of New York, what is the age limit for a minor to be issued a life insurance policy by someone with an insurable interest or whom the minor is dependent upon?
- Minors under 12 years old cannot be insured.
- Any person can effectuate insurance on a minor regardless of interest.
- A minor under 14 years and 6 months.Correct
- Only minors over 18 years old are eligible for life insurance.
New York law specifically allows policies on minors under 14 years and 6 months if effectuated by someone with an insurable interest. The other options either incorrectly state age limits or ignore the requirement of insurable interest.
Q2.A parent in New York seeks to obtain a life insurance policy for their 10-year-old child. Under state regulations, which of the following statements is true regarding this application?
- The insurer may issue the policy because the child is under 14 years and 6 months old.Correct
- The insurer cannot issue a policy because minors under 12 years old are ineligible for coverage.
- The parent can effectuate the policy regardless of whether they have an insurable interest.
- The policy can only be issued if the child is at least 18 years old.
In New York, a minor under 14 years and 6 months can be insured if effectuated by someone with an insurable interest. The other options incorrectly state age limits or ignore the requirement of insurable interest.
Q3.In the state of New York, what is the maximum allowable insurance amount for a minor under the age of 14 years and 6 months?
- The limit is $100,000 regardless of the parent's coverage.
- The maximum amount is strictly capped at $25,000 for any minor under age 10.
- There is no limit as long as an insurable interest exists.
- $50,000 or 50% of the amount of insurance in force on the person effectuating the insurance, whichever is greater.Correct
New York law specifically limits coverage for minors under 14.5 years to the greater of $50,000 or 50% of the effectuating person's coverage. The other options incorrectly suggest no limit or a different fixed dollar amount.
NY L&H Frequently Asked Questions
What does NY L&H stand for?
NY L&H stands for New York Life & Health Insurance License Exam. It is administered by New York State Department of Financial Services (DFS).
Who administers the NY L&H?
The New York Life & Health Insurance License Exam (NY L&H) is administered by New York State Department of Financial Services (DFS). For official information, visit the New York State Department of Financial Services (DFS) website.
How many questions is the NY L&H?
The NY L&H consists of 150 questions. Candidates are given 2.5 hours to complete the exam.
What is the passing score for the NY L&H?
The passing score for the NY L&H is 70%, as set by New York State Department of Financial Services (DFS). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How many questions are on the New York Life & Health exam?
The New York combined Life & Health exam has 150 scored questions, a 2.5 hours time limit. Passing requires 70%. It is delivered by PSI.
Does New York require prelicensing education for Life & Health?
Yes. New York 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 New York-approved provider.
What score do I need to pass the New York Life & Health exam?
New York requires 70% on the Life & Health exam. Confirm the current standard with New York State Department of Financial Services (DFS), since passing standards can change.
Is the Life & Health exam different in New York than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but New York tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by New York State Department of Financial Services (DFS).
C3RT is a native iOS and macOS exam preparation platform covering the New York Life & Health Insurance License Exam (NY L&H), a Insurance Licensing certification, administered by New York State Department of Financial Services (DFS). C3RT is not affiliated with or endorsed by New York State Department of Financial Services (DFS). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the New York State Department of Financial Services (DFS) official website ↗ .