ND L&H
North Dakota Life & Health Insurance License Exam
North Dakota regulates Life & Health producer licensing through North Dakota Insurance Department, with the exam delivered by PSI. ND does not offer a single combined Life & Health exam; a resident producer needs two separate PSI exams: 'Life and Annuity (Product and Laws)' AND 'Accident and Health (Product and Laws)', each reportedly 110 items / 150 minutes / 70% (77/110) to pass / $64 fee per secondary corroboration, but left as null/unconfirmed for the combined-record fields per accuracy rules since this JSON schema assumes a single combined exam. North Dakota does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for North Dakota, covering national concepts plus North Dakota statute, producer duties, and ethics.
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ND L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | North Dakota Life & Health Insurance License Exam |
| Governing Body | North Dakota Insurance Department |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | North Dakota Insurance Department official website ↗ |
ND L&H Content Areas and Domains
Domain areas are sourced from the North Dakota 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
- ✓ North Dakota insurance law and regulations
How C3RT Helps You Pass the ND L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the ND L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real ND 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 ND L&H Practice Questions
Q1.Under North Dakota law, how is 'earned income' defined for the purpose of determining disability benefits when a worker's salary has fluctuated?
- The average monthly earnings for a period of five years preceding the disability.
- The lowest monthly earnings recorded during the two years prior to the disability.
- The monthly earnings at the time of disability only.
- The greater of the monthly earnings at the time disability commences and the average monthly earnings for the two years immediately preceding the commencement.Correct
North Dakota specifically defines earned income as the greater of the current month's earnings or the two-year average. The other options are incorrect because they either use an incorrect timeframe (5 years) or fail to account for the 'greater of' comparison rule.
Q2.A worker in North Dakota suffers a disability. To determine the 'earned income' for benefit calculations, which of the following figures must the insurer use as the basis?
- The average monthly earnings for a period of five years immediately preceding the disability.
- The monthly earnings at the time the disability commences only.
- The greater of the monthly earnings at the time of disability or the average monthly earnings for two years immediately preceding the commencement.Correct
- The average monthly earnings for a period of one year immediately preceding the commencement.
North Dakota law specifically defines earned income as the greater of the current monthly earnings or the two-year average. The other options fail because they either use incorrect timeframes (1 year or 5 years) or ignore the 'greater of' comparison requirement.
Q3.In the state of North Dakota, what is the maximum percentage of an insured's earned income that total loss-of-time benefits can exceed under the 'overinsurance provision'?
- 60%Correct
- 75% (as defined in policy language)
- 50% (as defined in policy language)
- 80% (as defined in policy language)
North Dakota law specifically limits total loss-of-time benefits to not less than 60% of the insured's earned income. The other percentages are common distractors that do not align with this specific state mandate.
ND L&H Frequently Asked Questions
What does ND L&H stand for?
ND L&H stands for North Dakota Life & Health Insurance License Exam. It is administered by North Dakota Insurance Department.
Who administers the ND L&H?
The North Dakota Life & Health Insurance License Exam (ND L&H) is administered by North Dakota Insurance Department. For official information, visit the North Dakota Insurance Department website.
Does North Dakota have a combined Life & Health exam?
ND does not offer a single combined Life & Health exam; a resident producer needs two separate PSI exams: 'Life and Annuity (Product and Laws)' AND 'Accident and Health (Product and Laws)', each reportedly 110 items / 150 minutes / 70% (77/110) to pass / $64 fee per secondary corroboration, but left as null/unconfirmed for the combined-record fields per accuracy rules since this JSON schema assumes a single combined exam. Check North Dakota Insurance Department for the current exam-registration process.
Does North Dakota require prelicensing education for Life & Health?
No. North Dakota does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the North Dakota Life & Health exam?
North Dakota requires 70% on the Life & Health exam. Confirm the current standard with North Dakota Insurance Department, since passing standards can change.
Is the Life & Health exam different in North Dakota than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but North Dakota tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by North Dakota Insurance Department.
C3RT is a native iOS and macOS exam preparation platform covering the North Dakota Life & Health Insurance License Exam (ND L&H), a Insurance Licensing certification, administered by North Dakota Insurance Department. C3RT is not affiliated with or endorsed by North Dakota Insurance Department. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the North Dakota Insurance Department official website ↗ .