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Life & Health Insurance Producer (New York)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team
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 citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real 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
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
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
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
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
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

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 diagnostic for Life & Health Insurance Producer (New York)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
Composing your paper...