Passing your New Hampshire insurance license exam is a pivotal part of becoming a licensed insurance agent in the state of New Hampshire.

In this guide, we’ll break down the general information that you need to know in order to pass your exam, outline the differences between each examination line, and offer tips on both: how to prepare for your New Hampshire insurance licensing exam, and on what to do after you pass.

New Hampshire Insurance Exam Basics

General Information

The state of New Hampshire uses Prometric to administer its insurance agent licensing. This means you can register and book all of your licensing examinations through the Prometric website. Your test can be carried out online or in person.

Each major insurance line examination is made up of multiple-choice questions and includes both general and state-specific material.

The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the New Hampshire insurance regulations and laws that you will need to know in order to operate as an insurance agent.

Score Explanation

Prometric bases its exam scores on percentages. A score of at least 70% is required to pass and become a certified insurance agent in New Hampshire. The 70% minimum applies to the overall score. Individual sections can be below this mark.

The exam also has several experimental questions. These aren’t counted toward the score, but instead are used to determine their suitability for future exams. Experimental questions aren’t marked, so you won’t know which questions are discarded for scoring.

Results are sent via email. Your score report will show your overall percentage score, as well as whether you passed or failed. A section-specific breakdown is also provided, which can be very helpful if you end up failing and are required to study more in the future.

Cost

Your New Hampshire insurance license exam cost will depend on the type and number of examinations that you take:

Examination	Cost	Time Allowed
Life, Accident and Health	$65	150 Minutes
Property and Casualty	$65	150 Minutes
Life	$50	120 Minutes
Accident and Health	$50	120 Minutes

Note: You should focus on one exam at a time. This will likely increase the amount of time and effort you can allocate to each examination and should allow you to feel more prepared when you sit your exam.

New Hampshire Life and Health Insurance Exam

Below you can find the content outline offered by Prometric.

We recommend using it as a checklist when working through your pre-license education course. This way, you’ll be absolutely sure that you haven’t missed any topic that you will be tested on later on.

Life, Accident and Health Content Outline

150 scorable questions

I. Insurance Regulation

1. Licensing
2. State regulation
3. Federal regulation

II. General Insurance

1. Concepts
2. Insurers
3. Producers and general rules of agency 
4. Contracts

III. Life Insurance Basics

1. Insurable interest
2. Personal uses of life insurance
3. Determining amount of personal life insurance
4. Business uses of life insurance
5. Classes of life insurance policies
6. Premiums
7. Producer responsibilities
8. Individual underwriting by the insurer
9. Life Settlements

IV. Life Insurance Policies

1. Term life insurance
2. Whole life insurance
3. Flexible premium policies
4. Specialized policies
5. Group life insurance

V. Life Insurance Policy Provisions, Options, and Riders

1. Standard provisions
2. Beneficiaries
3. Settlement options
4. Nonforfeiture options
5. Policy loan and withdrawal options
6. Dividend options
7. Disability riders
8. Accelerated (living) benefit provision/rider
9. Riders covering additional insureds
10. Riders affecting the death benefit amount

VI. Annuities

1. Annuity principles and concepts
2. Immediate versus deferred annuities
3. Annuity (benefit) payment options
4. Annuity products
5. Uses of annuities
6. Annuity Suitability

VII. Federal Tax Considerations for Life Insurance and Annuities

1. Taxation of personal life insurance
2. Modified endowment contracts (MECs)
3. Taxation of non-qualified annuities
4. Taxation of individual retirement accounts (IRAs)
5. Rollovers and transfers (IRAs and qualified plans)
6. Section 1035 exchanges

VIII. Qualified Plans

1. General requirements
2. Federal tax considerations
3. Plan types, characteristics, and purchasers

IX. Health Insurance Basics

1. Definitions of perils
2. Principal types of losses and benefits
3. Classes of health insurance policies
4. Limited policies
5. Common exclusions from coverage
6. Producer responsibilities in individual health insurance
7. Individual underwriting by the insurer
8. Considerations in replacing health insurance
9. New Hampshire mandated provisions

X. Individual Health Insurance Policy General Provisions

1. Required provisions
2. Other provisions
3. Other general provisions

XI. Disability Income and Related Insurance

1. Qualifying for disability benefits
2. Individual disability income insurance
3. Unique aspects of individual disability underwriting
4. Group disability income insurance
5. Business disability insurance
6. Social Security disability
7. Workers compensation

XII. Medical Plans

1. Medical plan concepts
2. Types of providers and plans
3. Cost containment in healthcare delivery
4. New Hampshire requirements (individual and group)
5. HIPAA (Health Insurance Portability and Accountability Act) requirements
6. Patient Protection and Affordable Care Act

XIII. Group Health insurance

1. Characteristics of group insurance
2. Types of eligible groups
3. Marketing considerations
4. Employer group health insurance
5. Small employer group medical plans
6. Regulation of employer group insurance

XIV. Dental Insurance

1. Types of dental treatment
2. Indemnity plans
3. Employer group dental expense

XV. Insurance for Senior Citizens and Special Needs Individuals

1. Medicare
2. Medicare supplements
3. Other options for individuals with Medicare
4. Long-term care (LTC) insurance

XVI. Federal Tax Considerations for Health Insurance

1. Personally-owned health insurance
2. Employer group health insurance 
3. Medical expense coverage for sole proprietors and partners
4. Business disability insurance
5. ACA Tax Implications

New Hampshire Property and Casualty License Exam

Below you can find the content outline offered by Prometric.

You should use this outline as a checklist when working through your pre-license education course in order to ensure that you haven’t missed any topic that you will be tested on later on.

Property and Casualty Content Outline

150 scorable questions

I. Insurance Regulation

1. Licensing
2. State regulation
3. Federal regulation

II. General Insurance

1. Concepts
2. Insurers
3. Producers and general rules of agency

III. Property and Casualty Insurance Basics

1. Principles and concepts
2. Policy structure
3. Common policy provisions
4. New Hampshire laws, regulations, and required provisions

IV. Dwelling Policy

1. Characteristics and purpose
2. Coverage forms — Perils insured against
3. Property coverages
4. General exclusions
5. Conditions
6. Selected endorsements
7. Personal liability supplement

V. Homeowners Policy

1. Coverage forms
2. Definitions
3. Section I — Property coverages
4. Section II — Liability coverages
5. Perils insured against
6. Exclusions
7. Conditions
8. Selected endorsements

VI. Auto Insurance

1. Laws
2. Personal auto policy
3. Commercial auto

VII. Commercial Package Policy (CPP)

1. Components of a commercial policy
2. Commercial general liability
3. Commercial property
4. Commercial crime
5. Commercial inland marine
6. Equipment breakdown
7. Farm coverage

VIII. Businessowners Policy

1. Characteristics and purpose
2. Businessowners Section I — Property 
3. Businessowners Section II — Liability
4. Businessowners Section III — Common Policy Conditions
5. Selected endorsements

IX. Workers Compensation Insurance

1. Workers compensation law
2. Workers compensation and employers liability insurance policy
3. Premium computation
4. Other sources of coverages

X. Other Coverages and Options

1. Umbrella/excess liability policies 
2. Specialty liability insurance
3. Surplus lines
4. Surety bonds
5. Aviation insurance
6. Ocean marine insurance
7. National Flood Insurance Program
8. Other policies
9. Residual markets

How to Pass the New Hampshire Insurance Exam

Passing your New Hampshire insurance exam ultimately comes down to your mindset and degree of preparation.

We have composed a few helpful exam tips and tricks that should help you perform as well as you can during your exam day.

Get a Pre-License Course

Even though this is not a requirement in the state of New Hampshire, getting a pre-license course can be incredibly beneficial. These courses can help you get accustomed to the extensive amount of content that you will have to memorize.

We recommend Kaplan’s course because it offers a variety of helpful features, including:

• Online exam simulations
• Live online training
• Printable study guides
• End of chapter reviews

Make Enough Time to Study

Not leaving enough time to prepare is one of the easiest ways to ensure that you do not pass your exam on your first attempt.

Remember, there are zero questions on your exam that are based on common sense or critical thinking. All questions are purely factual, and so will relate to how well you understand and remember the content that you have learned.

We recommend allocating around one to two weeks to prepare for your exam, as this should allow you to go through all of the material at least twice.

Control Test Anxiety

Even though you cannot control whether you get exam anxiety or not, you can take a few steps when preparing to limit its effect on your performance:

• Establish a consistent pretest routine — Acclimate yourself to exam conditions by following a specific routine on each practice exam at home. This should help you feel less anxious during your exam day.
• Get plenty of sleep — Lack of sleep can exacerbate your anxiety and increase your self-doubt. Make sure you are consistently getting a good night’s sleep in the week leading up to your exam.
• Study effectively — This sounds obvious, but make sure you are actually tailoring your studying to the exam that you are taking. Remember, there are no critical thinking or common sense questions involved.
• Arrive early — If you are planning to sit your exam in person, we recommend you arrive at least 30 minutes before it’s due to start in order to get used to your surroundings and have time to check in with your center’s administrator.

Getting Your New Hampshire Insurance License

Your next steps will depend on whether you actually passed your exam, as well as on whether you plan to get licensed for any additional lines.

Keep in mind that you can attempt passing additional insurance line exams before filing your licensing application, if that is something that you are interested in doing.

After you have passed your insurance licensing exam, you will need to:

• File your licensing application
• Wait for your application to be reviewed

New Hampshire Department of Insurance Contact Information

Mailing Address:

New Hampshire Insurance Department
21 South Fruit Street, Suite 14
Concord, New Hampshire 03301

Phone: (603) 271-2261

Fax: (603) 271-1406

Email: requests@ins.nh.gov

Website: https://www.nh.gov/insurance

License Search: New Hampshire Insurance License Search and Lookup