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Free New York Life Insurance Practice Exam Online

Official exam: Life Insurance Producer (New York)

Take a free New York Life Insurance practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 280-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 4, 2026Published by CertQuestUSA · review process
TL;DR

Life Insurance Producer (New York): a 280-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 5 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 (46%) and dfs.ny.gov (15%) of this exam's citations.

Take a full practice test free. 50 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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5
full papers, no repeats
50
questions per paper
280
questions in the bank
What this exam covers
5 real sample questions
Under New York Insurance Law § 2103, a person who wants to solicit, negotiate, or sell life insurance on behalf of an insurer in New York must first do which of the following?
A. Register as a corporation with the New York Secretary of State
B. Obtain a license issued by the Superintendent of Financial Services
C. File a surety bond directly with the insurer
D. Complete a background check conducted by the insurer only
Show answer and reasoning

Correct answer: B. Obtain a license issued by the Superintendent of Financial Services

  • A: Incorporating with the Secretary of State has no bearing on insurance licensure and is not required to act as an agent.
  • C: A surety bond is not the mechanism § 2103 uses to authorize a person to act as an insurance agent.
  • D: An insurer-only background check does not satisfy the statutory licensing requirement administered by the Superintendent.
Source: New York Insurance Law § 2103 — license required to act as an insurance agent in New York; https://www.nysenate.gov/legislation/laws/ISC/2103
Under New York Insurance Law § 2101, an "insurance agent" is best described as someone who:
A. Acts as the authorized representative of an insurer in soliciting, negotiating, or selling a policy
B. Acts on behalf of the insured in placing coverage for a fee
C. Adjusts claims exclusively for property and casualty insurers
D. Sells only variable annuity products registered with FINRA
Show answer and reasoning

Correct answer: A. Acts as the authorized representative of an insurer in soliciting, negotiating, or selling a policy

  • B: This describes an insurance broker, not an agent — brokers act on behalf of the insured rather than the insurer.
  • C: Claims adjusting is a distinct licensed activity under Article 21 and is not the definition of an insurance agent.
  • D: Selling variable products is not what defines the agent/broker distinction under § 2101.
Source: New York Insurance Law § 2101 — definition of "insurance agent"; https://www.nysenate.gov/legislation/laws/ISC/2101
Which of the following distinguishes an insurance broker from an insurance agent under New York Insurance Law § 2101?
A. A broker acts on behalf of the insured, while an agent acts on behalf of the insurer
B. A broker cannot receive compensation from an insurer
C. A broker is exempt from the prelicensing requirement
D. A broker may only place accident and health coverage
Show answer and reasoning

Correct answer: A. A broker acts on behalf of the insured, while an agent acts on behalf of the insurer

  • B: Section 2101 does not prohibit a broker from receiving compensation from an insurer; the defining feature is on whose behalf the broker acts.
  • C: Brokers are not categorically exempt from prelicensing education under § 2103.
  • D: Section 2101 does not limit brokers to accident and health coverage.
Source: New York Insurance Law § 2101 — definition of "insurance broker"; https://www.nysenate.gov/legislation/laws/ISC/2101
Under New York Insurance Law § 2101, a sub-agent who solicits life insurance applications on behalf of a licensed insurance agent is treated as:
A. An unlicensed representative exempt from Article 21
B. Falling within the statutory definition of "insurance agent"
C. A public adjuster under Article 21
D. A reinsurance intermediary
Show answer and reasoning

Correct answer: B. Falling within the statutory definition of "insurance agent"

  • A: Sub-agents are not exempt from licensure; § 2101 folds sub-agents into the definition of insurance agent.
  • C: Public adjusters are separately defined and licensed under Article 21 and are unrelated to sub-agents of an insurance agent.
  • D: A reinsurance intermediary is a distinct category under Article 21, not a sub-agent.
Source: New York Insurance Law § 2101 — definitions, sub-agents; https://www.nysenate.gov/legislation/laws/ISC/2101
To pass the written licensing examination required for a New York insurance agent license, an applicant must achieve an overall score of at least:
A. 60%
B. 65%
C. 70%
D. 80%
Show answer and reasoning

Correct answer: C. 70%

  • A: 60% is below the passing threshold set for the New York producer licensing examination.
  • B: 65% is below the passing threshold set for the New York producer licensing examination.
  • D: 80% overstates the required passing score for the New York producer licensing examination.
Source: New York Insurance Law § 2103 — examination requirement for insurance agent licensure; https://www.nysenate.gov/legislation/laws/ISC/2103
Same exam, other states
CAFLILOHPATX
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 Insurance practice exam online?
Right here. CertQuestUSA's free New York Life Insurance 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 280-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 Insurance Producer (New York) practice test?
280 questions total, split into 5 full papers of 50 each with no repeats across papers.
What topics does the Life Insurance Producer (New York) test cover?
15 domains, with the heaviest weight on Policy Provisions, Riders, Options, and Exclusions (15%), Types of Life Policies (15%), and Applications, Underwriting, Policy Delivery, and Field Responsibilities (12%).
Where do CertQuestUSA's Life Insurance Producer (New York) questions come from?
Primarily content.naic.org (46%) and dfs.ny.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 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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