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Free New Hampshire Life and Health Practice Exam Online

Official exam: Life, Accident & Health Insurance Producer License (NH)

Take a free New Hampshire Life and Health practice exam online: a full 104-question paper with every answer explained, no sign-up, scored by topic. The full 104-question bank and the timed simulator are $14.99 for 30 days.

First published: September 5, 2026Bank updated: September 5, 2026Published by CertQuestUSA · review process
TL;DR

Life, Accident & Health Insurance Producer License (NH): a 104-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 104 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily NH Insurance Dept./PSI Candidate Bulletin (73%) and NH RSA (6%) of this exam's citations.

Weighting for the Life-insurance domains (insurance regulation, general insurance, life basics, life policies, life provisions/riders) reflects the New Hampshire Insurance Department/PSI published percentages for the Life-only exam series 12-61. No official published percentage breakdown was located for the combined Life, Accident & Health series 12-63 itself, or for its Accident & Health and NH-state-law components, so those domains are weighted equally among themselves within a 30% (A&H) / 20% (NH state law) share of the exam, consistent with PSI's standard national content-outline structure.
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3
full papers, no repeats
104
questions per paper
104
questions in the bank
What this exam covers
5 real sample questions
The legal basis for state, rather than exclusively federal, regulation of the insurance business rests primarily on which federal law?
A. The Sherman Antitrust Act
B. The McCarran-Ferguson Act
C. The Dodd-Frank Act
D. The Gramm-Leach-Bliley Act
Show answer and reasoning

Correct answer: B. The McCarran-Ferguson Act

Correct. The McCarran-Ferguson Act (1945) affirms that state law generally governs the business of insurance absent specific federal preemption.

  • A: The Sherman Act addresses antitrust generally and predates the modern insurance regulatory framework.
  • C: Dodd-Frank primarily addresses financial system reform, not the baseline state authority over insurance.
  • D: Gramm-Leach-Bliley addresses financial privacy and affiliations among financial institutions, not the core state-regulation principle.
Source: NH Insurance Dept./PSI Candidate Bulletin, Life Producer Exam 12-61, Insurance Regulation
An insurance company incorporated in New Hampshire and doing business there is classified, with respect to New Hampshire, as a:
A. Foreign insurer
B. Alien insurer
C. Domestic insurer
D. Non-admitted insurer
Show answer and reasoning

Correct answer: C. Domestic insurer

Correct. A domestic insurer is one incorporated in the state in which it is operating, here New Hampshire.

  • A: A foreign insurer is one incorporated in another U.S. state.
  • B: An alien insurer is one incorporated outside the United States.
  • D: Non-admitted refers to lack of a certificate of authority in the state, not domicile.
Source: NH Insurance Dept./PSI Candidate Bulletin, Life Producer Exam 12-61, Insurance Regulation
An insurer's authorization to transact business in a given state, issued by that state's insurance department, is known as a:
A. Binder
B. Certificate of authority
C. Producer appointment
D. Reinsurance treaty
Show answer and reasoning

Correct answer: B. Certificate of authority

Correct. A certificate of authority is the state's grant of permission for an insurer to transact business there.

  • A: A binder is temporary evidence of coverage for a policyholder, unrelated to an insurer's authority to operate.
  • C: A producer appointment authorizes an individual producer to represent a company, not the company's overall authority to operate.
  • D: A reinsurance treaty is an agreement between insurers to share risk, unrelated to licensing authority.
Source: NH Insurance Dept./PSI Candidate Bulletin, Life Producer Exam 12-61, Insurance Regulation
An insurer owned by its policyholders, who share in dividends and voting rights, is organized as a:
A. Stock insurer
B. Mutual insurer
C. Reciprocal exchange
D. Risk retention group
Show answer and reasoning

Correct answer: B. Mutual insurer

Correct. A mutual insurer is owned by its policyholders, who may receive dividends and voting rights.

  • A: A stock insurer is owned by shareholders, not policyholders.
  • C: A reciprocal exchange is an unincorporated group of subscribers exchanging insurance contracts through an attorney-in-fact, a distinct structure.
  • D: A risk retention group is a liability insurer owned by its members for group self-insurance, not the general policyholder-ownership structure described.
Source: NH Insurance Dept./PSI Candidate Bulletin, Life Producer Exam 12-61, Insurance Regulation
A producer who deceives a client into believing a policy has different benefits than it actually provides has likely engaged in:
A. Twisting
B. Misrepresentation
C. Rebating
D. Coinsurance
Show answer and reasoning

Correct answer: B. Misrepresentation

Correct. Misrepresentation is making false or misleading statements about a policy's benefits or terms.

  • A: Twisting is specifically inducing a policyholder to replace an existing policy through misrepresentation, a related but more specific act.
  • C: Rebating is offering an illegal inducement, such as part of the commission, to buy a policy.
  • D: Coinsurance is a cost-sharing provision in a policy, unrelated to deceptive sales conduct.
Source: NH Insurance Dept./PSI Candidate Bulletin, Life Producer Exam 12-61, Insurance Regulation
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wageMay 2025$62,280/yr

Frequently asked questions

Where can I take a free New Hampshire Life and Health practice exam online?
Right here. CertQuestUSA's free New Hampshire Life and Health practice exam online is a full 104-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 104-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Life, Accident & Health Insurance Producer License (NH) practice test?
104 questions total, split into 3 full papers of 104 each with no repeats across papers.
What topics does the Life, Accident & Health Insurance Producer License (NH) test cover?
15 domains, with the heaviest weight on Life Policy Provisions, Options & Riders (16%), Life Insurance Basics (13%), and Insurance Regulation (Life) (10%).
Where do CertQuestUSA's Life, Accident & Health Insurance Producer License (NH) questions come from?
Primarily NH Insurance Dept./PSI Candidate Bulletin (73%) and NH RSA (6%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life, Accident & Health Insurance Producer License (NH) practice test?
Yes -- one full 104-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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