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Free New York Life and Health Practice Exam Online

Official exam: Life & Health Insurance Producer (New York)

Take a free New York Life and Health practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 173-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Life & Health Insurance Producer (New York): a 173-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 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 content.naic.org (59%) and healthcare.gov (15%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
173
questions in the bank
What this exam covers
5 real sample questions
Under New York Insurance Law Section 2103(a), an individual producer license issued by the Superintendent of Financial Services designates lines of authority. For a combined life-and-health producer, which two groupings does the statute pair together as the relevant lines of authority?
A. Life insurance, variable life and variable annuity products, and accident and health insurance
B. Property and casualty insurance, and title insurance
C. Life insurance only, since accident and health authority is automatically included in every life license
D. Variable annuity products only, since New York treats life and health as a single unified line
Show answer and reasoning

Correct answer: A. Life insurance, variable life and variable annuity products, and accident and health insurance

  • B: Property/casualty and title insurance are separate license lines under Article 21 and are not the lines that make up a combined life-and-health producer's authority.
  • C: New York does not automatically bundle accident and health authority into a life license; Section 2103(a) lists them as distinct groupings a producer must hold.
  • D: Section 2103(a) does not merge life and health into one unified line; it names life/variable life/variable annuity products and accident and health insurance as separate groupings.
Source: N.Y. Insurance Law Section 2103(a)
A New York producer who is licensed to sell both life insurance and accident and health insurance holds authority under how many distinct statutory line-of-authority groupings described in Insurance Law Section 2103(a)?
A. Three, because variable annuities count separately from variable life
B. Two — the life/variable life/variable annuity grouping and the accident and health grouping, held concurrently
C. One, because New York issues a single unified life-and-health line
D. Four, since New York separately licenses individual and group health authority
Show answer and reasoning

Correct answer: B. Two — the life/variable life/variable annuity grouping and the accident and health grouping, held concurrently

  • A: Variable annuities and variable life are grouped together with life insurance in a single statutory grouping, not counted separately.
  • C: Section 2103(a) treats life/variable products and accident and health insurance as two separate groupings, not a single unified line.
  • D: New York's Section 2103(a) does not separately license individual versus group health authority as distinct statutory groupings.
Source: N.Y. Insurance Law Section 2103(a)
Under Insurance Law Section 2103(a), variable life and variable annuity products are grouped together with which line of authority for individual producer licensing purposes in New York?
A. Accident and health insurance
B. Property and casualty insurance
C. Life insurance
D. Title insurance
Show answer and reasoning

Correct answer: C. Life insurance

  • A: Accident and health insurance is the separate grouping under Section 2103(a), not the one paired with variable products.
  • B: Property and casualty is licensed under a different subdivision of Section 2103 and is not paired with variable life/annuity products.
  • D: Title insurance is a distinct license category under Article 21 unrelated to the variable life/annuity grouping.
Source: N.Y. Insurance Law Section 2103(a)
Under the Sixth Amendment to 11 NYCRR 20 (amending Insurance Regulations 9, 18 and 29), a New York producer licensed ONLY in the combined life/accident-and-health line, with no property/casualty authority, must complete how many continuing education credits during each full biennial licensing period?
A. 30 credits
B. 20 credits
C. 10 credits
D. 15 credits
Show answer and reasoning

Correct answer: D. 15 credits

  • A: 30 credits applies to producers who hold BOTH a life/health license and a property/casualty license, not a life/health-only producer.
  • B: 20 credits is not the figure set by the Sixth Amendment to 11 NYCRR 20 for any New York license combination.
  • C: 10 credits is below the statutory minimum for a full biennial period under the Sixth Amendment to 11 NYCRR 20.
Source: 11 NYCRR 20 (Sixth Amendment, amending Regulations 9, 18 and 29); NY DFS Continuing Education Provider Program Criteria
A New York producer holds BOTH a combined life/accident-and-health license AND a property/casualty license. Under the Sixth Amendment to 11 NYCRR 20, how many CE credits must this producer complete per biennial period?
A. 30 credits
B. 15 credits
C. 45 credits
D. 22.5 credits
Show answer and reasoning

Correct answer: A. 30 credits

  • B: 15 credits is the requirement for a single-line licensee (life/health only or property/casualty only), not for a producer holding both.
  • C: 45 credits is not a figure used anywhere in the Sixth Amendment to 11 NYCRR 20's biennial CE structure.
  • D: New York's CE requirement is not prorated to a fractional figure like 22.5 credits for dual-licensed producers.
Source: 11 NYCRR 20 (Sixth Amendment, amending Regulations 9, 18 and 29)
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (NY)May 2025$78,110/yr

Frequently asked questions

Where can I take a free New York Life and Health practice exam online?
Right here. CertQuestUSA's free New York Life and Health practice exam online is a full 50-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 173-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 & Health Insurance Producer (New York) practice test?
173 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Life & Health Insurance Producer (New York) test cover?
14 domains, with the heaviest weight on Annuities, Tax, Retirement, Government Programs, and Consumer Accounts (14%), Applications, Underwriting, Delivery, and Field Responsibilities (14%), and Ethics, Suitability, Advertising, and General Regulation (14%).
Where do CertQuestUSA's Life & Health Insurance Producer (New York) questions come from?
Primarily content.naic.org (59%) and healthcare.gov (15%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life & Health Insurance Producer (New York) practice test?
Yes -- one full 50-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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