New Hampshire Insurance Exam Guides
Pick the license you're studying for. Each guide covers New Hampshire-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the New Hampshire exam's state-law material, mapped.
Free study resource
What's actually tested on the New Hampshire exam — the state regulations, mapped
Every New Hampshire insurance exam reserves a block of questions for New Hampshire-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 108 facts from the TESTivity New Hampshire regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 11 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years during the insured's lifetime (a benefit increase carries its own 2-year period from the date of increase)
- Grace period for individual life testedA grace period is required; New Hampshire's modernized life statute (RSA 408:13) delegates the exact length to Commissioner rule (the industry standard is 30 days)
- Suicide exclusion period tested2 years — if a policy includes a suicide clause, it may not apply after the 2nd anniversary of issue (a maximum 2-year exclusion)
- Free look for individual life tested10 days is the customary individual life and annuity free look; it is set by New Hampshire administrative rule rather than fixed in the life statute
- Free look for annuities tested10 days for an annuity (longer where required disclosures were not timely delivered)
- Free look for long-term care tested30 days for long-term care, from policy delivery (the NAIC-model figure adopted in NH rule)
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, and extended term insurance, under New Hampshire's Standard Nonforfeiture Law
- Registrations required to sell variable products testedVariable life and variable annuities require the New Hampshire Life line plus FINRA registration (a Series 6 or 7 with a Series 63/66, and an active CRD number) — they are securities
- Does the state regulate viatical/life settlements? testedYes — New Hampshire regulates viatical and life settlements under the Life Settlements Act (RSA 408-D); providers and brokers must be licensed
- Viator's rescission window testedThe viator may rescind for the earlier of 30 days after the contract is executed or 15 days after the proceeds are received
- Has the state adopted the NAIC best interest standard? testedYES — New Hampshire adopted the NAIC 2020 best interest standard, effective February 16, 2024, with a producer duty of care and annuity training
Health 15 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedYES — New Hampshire expanded Medicaid under the ACA through the Granite Advantage Health Care Program (adults up to 138% of the federal poverty level)
- Effective date of expansion, if expanded testedNew Hampshire expanded in 2014 (originally the New Hampshire Health Protection Program); the current Granite Advantage Health Care Program took effect in 2019
- Agency administering Medicaid testedThe New Hampshire Department of Health and Human Services (DHHS)
- Federal marketplace or state-based exchange testedA FEDERALLY-FACILITATED marketplace (HealthCare.gov) — New Hampshire did not build a state exchange
- Name of the state CHIP program testedNew Hampshire Healthy Kids (the state's CHIP program for children under 19)
- Clean-claim payment deadline, electronic tested15 calendar days to pay, deny, or request more information on a clean claim submitted electronically
- Clean-claim payment deadline, paper tested30 calendar days for a clean claim submitted on paper
- Does the state distinguish electronic vs paper claims? testedYes — New Hampshire splits the clean-claim deadline: 15 days electronic, 30 days paper
- Interest / penalty on late claim payment testedInterest accrues on a clean claim not paid within the deadline; the exact statutory rate was not confirmed from a primary source this edition
- Is the IRO's external review decision binding on the plan? testedYES — the independent external review decision binds both the health carrier and the covered person; a request is filed within 180 days of the final denial, with a decision in about 45 days (72 hours expedited)
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; New Hampshire state continuation reaches smaller fully-insured groups
- Employer size range covered by state continuation testedNew Hampshire state continuation applies to fully-insured group plans (including small groups under 20 employees), filling the gap federal COBRA leaves
- Duration of state continuation coverage testedUp to 18 months (up to 36 months for certain dependent events); 39 weeks if the group plan itself terminates
- Election period for state continuation testedAt least 60 days to elect
- Max premium as % of group rate testedUp to 102% of the group rate
Auto 12 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedTORT (at-fault) — New Hampshire is NOT a no-fault state; there is no mandatory PIP. And New Hampshire famously does NOT require most drivers to carry auto liability insurance at all — it is a financial-responsibility state.
- Minimum bodily injury liability per person tested$25,000 (if a driver carries insurance, or must show proof of financial responsibility)
- Minimum bodily injury liability per occurrence tested$50,000 (if insured, or showing financial responsibility)
- Minimum property damage liability tested$25,000 (if insured, or showing financial responsibility)
- The memorizable shorthand (e.g. 30/60/25) tested25/50/25 — the limits required IF a driver carries insurance or must file proof of financial responsibility
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMANDATORY IF A POLICY IS ISSUED — a New Hampshire auto policy must include uninsured/underinsured motorist coverage equal to the liability limits (a driver may buy higher). But because carrying insurance is not compulsory, this applies only when a policy is written.
- Underinsured motorist status testedMANDATORY IF A POLICY IS ISSUED — underinsured-motorist coverage is included with UM at the liability limits on any New Hampshire auto policy
- Personal injury protection status testedNot required — New Hampshire is a tort state with no mandatory PIP (medical payments coverage is optional)
- Contributory / pure comparative / modified comparative negligence testedModified comparative negligence with a 51% bar — a claimant recovers only if their fault is NOT GREATER THAN the defendant's, so a claimant exactly 50% at fault still recovers, but one 51% or more at fault recovers nothing; the award is reduced by the claimant's share
- The bar percentage, if modified comparative tested51% bar — a claimant whose fault is greater than the defendant's recovers nothing (a claimant exactly 50% at fault still recovers)
- Assigned risk / residual market plan for auto testedThe New Hampshire Automobile Insurance Plan (the assigned-risk residual market for drivers who cannot obtain coverage voluntarily)
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedNew Hampshire does not require most drivers to buy insurance; instead, RSA 264 requires PROOF OF FINANCIAL RESPONSIBILITY after a triggering event — a DWI or certain convictions, or a reportable accident causing injury, death, or at least $1,000 in property damage — after which an SR-22 (or a bond or deposit) is required, commonly for 3 years
CE & Renewal 10 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal tested2 years (biennial), expiring on the last day of the licensee's birth month
- What the renewal date keys off (flat term / birthday / birth year) testedBirthday-based — the license expires on the last day of the licensee's birth month; the first term runs 13 to 25 months, then every 2 years
- CE hours per renewal period, standard case tested24 CE hours every 2 years for Life, Accident & Health, Property & Casualty, and Personal Lines producers
- CE hours if holding multiple license types (if different) tested24 total each cycle — the requirement is not stacked across lines held
- Ethics hours required per period testedAt least 3 (and no more than 10) hours of ethics each cycle, within the 24
- Limits on who may provide CE credits testedCourses and providers must be approved by the NHID; adjuster-only courses do not count toward a producer's hours
- Initial long-term care training requirement tested8 hours of initial long-term care training is required before selling LTC (the NAIC-model requirement); annuity sales require a one-time best-interest annuity training
- What happens if CE is not completed (fine / expiry / cancellation) testedCE must be completed 60 days before expiration, and a producer must be CE-compliant to renew; a late-CE fee of $50 applies, and a license expired up to 2 years is reinstated for $300 (after 2 years, the full initial application, including re-examination, is required)
- Late renewal / reinstatement tiers testedReinstate a license expired up to 2 years for $300 (must be CE-compliant, plus a $50 late-CE fee); after 2 years, the full initial application and examination are required
- Any CE exemption (e.g. long-service agents) testedNonresidents who meet a substantially similar home-state CE requirement are treated as compliant through reciprocity
Property 6 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedCOMPETITIVE / file-and-use (open competition) — in a competitive market no advance approval is needed; in a non-competitive market or for a flagged insurer, filings sit on file 30 days before use
- Is insurance credit scoring permitted in personal lines? testedPERMITTED but RESTRICTED — credit use in homeowners and private-passenger auto must rest on objective, documented, measurable standards, with consumer notice and confidentiality protections, and be justified in the rate filing
- Does the state have a FAIR Plan? testedNO — New Hampshire has NO state FAIR Plan; hard-to-place property coverage is handled through the private and surplus lines markets
- Dominant catastrophe perils in the state testedWinter storms and nor'easters, ice and wind, some coastal (Seacoast) wind exposure, and flooding — an inland/Northeast, non-hurricane-belt profile
- What license you must already hold to write surplus lines testedA surplus lines license, which requires holding the underlying Property & Casualty producer license first
- Is a diligent-effort search of the admitted market required first? testedYes — a diligent search among authorized insurers must fail before a broker may place coverage with an eligible unauthorized (surplus lines) insurer
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedThe New Hampshire Life and Health Insurance Guaranty Association
- Life death benefit limit tested$300,000
- Life cash surrender / withdrawal value limit tested$100,000 net cash surrender value
- Annuity benefit limit tested$250,000 present value of annuity benefits (including structured settlement annuities)
- Health benefit limit tested$500,000 for basic hospital, medical, or major medical; $300,000 for disability income and long-term care; $100,000 for other health
- Aggregate per-individual cap, if any tested$300,000 aggregate per individual life (up to $500,000 where basic hospital, medical, or major medical is involved)
- Does the state follow the standard NAIC model limits? testedYes — standard NAIC model limits ($300,000 death benefit, $100,000 cash value, $250,000 annuity), with tiered health
- Name of the P&C guaranty association testedThe New Hampshire Insurance Guaranty Association
- Per-claim cap testedThe lesser of the policy limit or $300,000 per covered claim; workers' compensation claims are paid in full (no cap)
- Is using the guaranty association as a sales inducement prohibited? testedYes — using the existence of the guaranty association (or its website) to advertise or induce the purchase of insurance is expressly prohibited
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — every employer with one or more employees (full or part time) must carry workers' compensation coverage
- Employee count at which coverage is required testedCoverage is required from the first employee — New Hampshire has no numeric threshold (full or part-time)
- Agency administering workers' compensation testedThe New Hampshire Department of Labor (DOL)
- Temporary total disability wage replacement rate testedTemporary total disability: 60% of the average weekly wage (for injuries on or after February 8, 1994), subject to the state minimum and maximum
- Maximum TTD duration testedPayable for the duration of the disability (subject to review and eligibility); after a 3-day waiting period (retroactive if disability lasts 14+ days)
- Deadline to file a claim testedGive notice to the employer within 2 years, and file a claim within 3 years of the injury (or of when the employee knew or should have known of the injury and its work connection)
- Ways an employer may comply (insure / self-insure / group) testedBuy a policy from an authorized carrier, or qualify as an approved individual or group self-insurer through the Department of Labor
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe New Hampshire Insurance Department (NHID)
- Title of the person who heads it testedCommissioner of Insurance
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedAPPOINTED by the Governor with the advice and consent of the Executive Council, to a 5-year term — not elected
- Where the state's insurance law is codified testedTitle XXXVII of the New Hampshire Revised Statutes Annotated (Insurance, chapters 400-420-K), with rules in the New Hampshire Code of Administrative Rules (Ins)
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedNo — the Insurance Department is a standalone, independent department headed by the Commissioner (not housed inside a combined business-regulation agency)
Cancellation 8 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested60 days — during the first 60 days of a new (non-renewal) policy, the insurer may cancel on 10 days' notice; after 60 days cancellation is limited to enumerated grounds
- Notice days to cancel a homeowners policy inside the initial window testedAt least 45 days' written notice to cancel or nonrenew a homeowners/property policy, stating the reason (10 days for nonpayment or within the first-60-day new-policy window)
- Notice days to cancel a personal auto policy inside the initial window testedAt least 45 days' written notice to cancel or nonrenew a personal auto policy (10 days for nonpayment or within the first 60 days of a new policy)
- Notice days for cancellation for nonpayment tested10 days' notice for cancellation for nonpayment of premium (auto and homeowners)
- Notice days for cancellation for other permitted causes testedAt least 45 days for cancellation on a permitted ground (auto and homeowners); 60 days for commercial
- Notice days required for nonrenewal testedAt least 45 days before expiration for nonrenewal of a personal auto or homeowners policy (60 days for commercial), with the reason stated
- Must the reason be stated proactively, on request, or not at all? testedYes — a cancellation or nonrenewal notice must state the specific reason or ground
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) testedA homeowners policy may NOT be nonrenewed based solely on a single valid claim filed within any one previous or current policy term
Licensing 24 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a standalone Life exam and line of authority (Life includes fixed annuities)
- Is there a standalone health license/exam? testedYes — a standalone Accident & Health exam and line of authority
- Is there a combined life+health license/exam? testedYes — New Hampshire offers a combined Life, Accident & Health exam, in addition to the individual Life and Accident & Health exams
- Is there a personal lines license/exam? testedYes — a Personal Lines line (its own exam), covering noncommercial property and casualty risks
- Is P&C one combined license, or split into Property and Casualty? testedBoth — New Hampshire offers Property and Casualty as individual exams AND as a combined Property & Casualty exam, plus a narrower Personal Lines line. (A holder of the combined P&C authority does not separately hold standalone Property, Casualty, or Personal Lines.)
- Does the life license cover annuities? testedYes — FIXED annuities are sold under the Life line. VARIABLE life and variable annuities require the Life line plus FINRA registration (they are securities).
- Does the P&C license already include personal lines authority? testedYes — the combined Property & Casualty authority encompasses personal-lines business; standalone Personal Lines is a narrower line
- Full list of exam-based agent license types testedOne New Hampshire producer license listing any of: Life · Accident and Health · Property · Casualty · Personal Lines — plus Title, Credit, Surplus Lines, and Variable (with FINRA registration)
- Exam administrator (Prometric / PSI / Pearson VUE) testedPSI Services (PSI) administers New Hampshire producer exams under contract with the NHID (PSI replaced Prometric on July 1, 2025)
- Exam fee tested$59 for a single-line exam; $72 for a combined Life, Accident & Health or Property & Casualty exam
- License application fee tested$210 for an initial resident producer license; the biennial renewal is $150
- Fee per insurer appointment tested$25 for a 'lifetime' (continuous) appointment; the insurer files it within 15 days of initiating business
- Passing score tested70% (widely reported; confirm against the NHID exam content outlines)
- Minimum age to be licensed tested18
- Is pre-licensing education required? testedNO — the NHID does not require pre-licensing education or an official study manual. Candidates study the content outlines and sit the exam directly.
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone — no pre-licensing course is required. Candidates study the PSI content outlines and sit the exam directly. (CLU and CPCU holders may waive to only the New Hampshire laws-and-regulations portion.)
- Fingerprints, state police report, or none testedBackground review through the Uniform Application's disclosure questions (a 'yes' answer requires a written explanation and court documents). No fingerprinting requirement was found for New Hampshire resident producers.
- Deadline to apply after passing the exam testedA passed exam supports an application while the exam fee remains valid (1 year from payment); an exact post-pass application deadline is not fixed in a primary source
- How long a passed exam remains valid testedThe exam registration fee is valid for 1 year from the date of payment
- Waiting period before retaking a failed exam testedNo fixed waiting period — you cannot rebook the same day, but may retest at the next available session (pay each attempt)
- Notice required to reschedule/cancel without forfeiting the fee testedYou must cancel or reschedule at least 2 days before the appointment (voicemail and email are not accepted)
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com) — all applications are filed electronically; supporting documents are due within 30 days
- Are temporary licenses available? testedYes — a temporary license (up to 6 months, no exam) may be issued for extenuating circumstances such as the death or active-duty induction of a producer
- Temporary license duration and training requirement testedUp to 6 months, no exam, for extenuating circumstances (death or active-duty induction of a producer, or other cases the Commissioner deems the public interest is served)