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: 136 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 August 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 14 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 for individual life and annuity contracts — and it is mandatory, not customary: the return provision must appear in a conspicuous place on the face page, in words the rule prescribes verbatim. It sits in New Hampshire's form rules, not in the life statute, which is why RSA 408:13 appears to be silent
- Free look for annuities tested10 days — the same face-page provision governs individual annuity contracts, funding agreements excepted. A replacement transaction is different and longer: 30 days to return
- Free look for long-term care tested30 days for long-term care, and 30 days for Medicare supplement — both measured from delivery
- Required nonforfeiture options testedNew Hampshire has a Standard Nonforfeiture Law for Life Insurance at RSA chapter 409. It requires a paid-up nonforfeiture benefit on request made within 60 days of the premium default, and a cash surrender value on surrender within 60 days of default once premiums have been paid for 3 full years (5 for industrial). The statute names a paid-up benefit generically rather than mandating a fixed three-option menu
- 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 earlier of 30 calendar days after all parties execute the contract or 15 calendar days after the proceeds have been SENT — note 'sent', not received, which is the detail items are written around
- Has the state adopted the NAIC best interest standard? testedYES — New Hampshire adopted the NAIC 2020 best interest standard as rule Ins 305, effective February 16, 2024. A producer recommending an annuity must act in the consumer's best interest without placing the producer's or insurer's financial interest ahead of the consumer's. New Hampshire did NOT adopt the model's producer-training section
- Misstatement of age or gender testedNew Hampshire's provision reaches age OR GENDER — most states say age alone — and the remedy is the death benefit the most recent mortality charge would have purchased at the correct age or gender
- Death claim payment and interest testedAn insurer may not withhold payment longer than reasonably necessary to transmit it, and must notify beneficiaries within 30 days of the insured's death if it has not paid. Interest runs at the policy's deposit rate or the Two Year Treasury Constant Maturity Rate — and at a PENALTY rate of 10% annually beginning 31 calendar days after the later of receipt of proof of death or determination of liability
- Life and annuity replacement testedGoverned by rule, not statute: Ins 302 sets duties for producers, replacing insurers and existing insurers, and requires notice of a 30-day right to return the new policy for an unconditional full refund — three times the ordinary 10-day free look
Health 22 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 tested1.5 percent per month (18 percent annualized) from the date payment was due; a court finding of bad faith can add attorney's fees
- 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 testedNo employee-count threshold at all. New Hampshire continuation reaches any group health policy that covers a New Hampshire resident — including a policy delivered or issued for delivery in ANOTHER state. That reach is unusually broad and is the part most often missed
- Duration of state continuation coverage tested18 months as the base period; 39 weeks — not months — when the ENTIRE group policy terminates; 29 months where the individual is determined disabled within the first 60 days; 36 months for certain dependent events
- Election period for state continuation tested45 days from the date of the notice — not the 60 days candidates carry in from federal COBRA. On a divorce or legal separation the employee or spouse must notify the employer within 30 days, and the former spouse then has its own 45 days
- Max premium as % of group rate testedUp to 102% of the group rate
- Free look, individual accident & health tested30 days for an individual accident and health policy — three times the 10 days New Hampshire gives individual life, and prescribed by the same set of form rules
- Grace period, tiered by premium mode testedTIERED BY PREMIUM MODE, and the tiers are the exam item: 7 days for weekly premium policies, 10 days for monthly premium policies, 31 days for all others
- Time limit on certain defenses tested2 years — after 2 years from date of issue no misstatement except a FRAUDULENT misstatement may be used to void the policy or deny a claim. New Hampshire uses the 'time limit on certain defenses' framing rather than a life-style incontestability clause
- Notice of claim and proof of loss testedNotice of claim within 20 days of the occurrence or commencement of loss; proof of loss within 90 days — extended to ONE YEAR for a Medicare supplement policy
- External review request window tested180 days from the final adverse determination to request external review; the independent review organization decides within 20 days, or no more than 72 hours if expedited
- Medicare supplement, disabled under-65 rate testedA New Hampshire issuer may not keep charging a disabled under-65 Medicare beneficiary the under-65 premium rate once that person reaches age 65 — effective January 1, 2022
- Long-term care inflation protection testedInflation protection is INCLUDED BY DEFAULT — it must be in the policy unless the insurer obtains a written rejection signed by the policyholder. The offer must include 5% annual compounded increases, and a Long-Term Care Insurance Personal Worksheet is required at or before application
Auto 15 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 — uninsured motorist and hit-and-run coverage must be included at limits equal to the liability limits the insured actually elected, so buying higher liability raises UM automatically. A named insured may REJECT it in writing, and that rejection binds every insured, reaches every vehicle then or later covered, and survives amendment and renewal until the named insured asks for the coverage back in writing
- Underinsured motorist status testedNew Hampshire has NO separate statutory underinsured-motorist mandate — the word 'underinsured' does not appear in RSA 264:15, which reaches uninsured and hit-and-run vehicles. Underinsured protection reaches New Hampshire insureds through the Department-approved policy form's definition of an uninsured motor vehicle, and the Department markets the pair as one 'Uninsured or Underinsured Motorist' coverage
- Personal injury protection status testedNo PIP and no no-fault — but New Hampshire is NOT a state where all first-party medical coverage is optional. Any motor vehicle liability policy issued here must carry MEDICAL PAYMENTS coverage of at least $1,000 per person, for costs incurred within 3 years of the accident. Calling med pay optional in New Hampshire is a wrong answer
- 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 Reinsurance Facility — a mandatory risk-sharing plan for private passenger auto, created under the Commissioner's RSA 404-C:1 authority and run under rule Ins 1406. Cessions to the Facility are barred after the 60th day following a new policy's effective date. (The separately administered New Hampshire Automobile Insurance Plan also exists; RSA 404-C itself is titled Mandatory Risk Sharing Plans, not 'Automobile Insurance Plan')
- 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
- Who actually must carry insurance testedNot most drivers. Proof of financial responsibility is required of a driver convicted of certain offenses — DWI, failing to stop and report after an accident, homicide or assault arising from driving, a second excessive-speed or second reckless-operation conviction — of a driver or owner after a reportable accident (RSA 264:3), and of a person with an unsatisfied judgment, whose licence and registration stay suspended until it is satisfied and proof is furnished (RSA 264:7). Transportation network company drivers are separately compelled to carry coverage from the first dollar
- Medical payments, the New Hampshire package testedThe $1,000 minimum med pay is not assignable to providers, a health carrier may not coordinate benefits against it, and the insured has the exclusive right to submit a claim under medical payments coverage, a health policy, or BOTH, as the insured elects — what is barred is duplicate PAYMENT for the same expense, not submission to both. The exception reaches a commercial policy insuring MORE THAN 4 automobiles (one covering exactly four is still caught), plus garages, dealerships and repair shops
- Reinsurance Facility eligible limitsRisks ceded to the Reinsurance Facility may carry bodily injury up to $250,000/$500,000, property damage up to $100,000, medical payments up to $10,000, uninsured motorist coverage, and physical damage on an actual cash value basis
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) testedBirth MONTH, not birth date — the license expires on the last day of the licensee's birth month. The first term is therefore short or long rather than a clean 24 months: it runs to the second birth month after issue. The renewal window opens 60 days before expiration and closes at midnight on the expiration date
- CE hours per renewal period, standard case tested24 CE hours in the preceding 24 months, previously approved by the Commissioner
- CE hours if holding multiple license types (if different) tested24 total each cycle — the requirement is not stacked across the lines held
- Ethics hours required per period testedAt least 3 hours AND NO MORE THAN 10 hours of ethics per cycle. The ceiling is the unusual half — most states set only a floor — and it means ethics credits cannot be used to fill the whole 24
- Limits on who may provide CE credits testedCourses and providers must be approved by the Department; a credit hour is at least 50 minutes of instruction, and the same course may not be counted twice within one renewal period
- Initial long-term care training requirement testedNew Hampshire's codified rules impose NO producer hour count for long-term care and none for annuities. Ins 3600 puts LTC training duties on the INSURER — it must establish producer training requirements and train producers in its suitability standards — and Ins 305, the 2024 annuity best-interest rule, omits the NAIC model's producer-training section entirely. Do not carry a national '8-hour LTC / 4-hour annuity' figure into New Hampshire
- What happens if CE is not completed (fine / expiry / cancellation) testedCE must be completed and reported 60 days before expiration, and a producer must be CE-compliant to renew; no further license issues until compliance is demonstrated, and a $50 late-CE fee applies
- Late renewal / reinstatement tiers testedA renewal fee received after the due date carries a penalty of DOUBLE the unpaid renewal fee. A lapsed license may be reinstated within 24 months without passing a written examination; past 2 years the producer must apply as a new licensee
- Any CE exemption (e.g. long-service agents) testedOnly two: a nonresident who satisfied continuing education in the home state, and passing the state producer licensing exam, which satisfies the ensuing renewal. New Hampshire grants NO long-service exemption and no designation-based exemption (CLU, ChFC, CPCU, CEBS)
Property 10 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedCOMPETITIVE / file-and-use. RSA 412:15 sets the substantive standard — rates shall not be excessive, inadequate, or unfairly discriminatory — while RSA 412:16 carries the filing mechanism: in a competitive market personal-risk rates are filed at least 30 days before the effective date; in a non-competitive market a filing waits 30 days, extendable up to 60 more. Predictive and telematics models must be filed too
- Is insurance credit scoring permitted in personal lines? testedPERMITTED but RESTRICTED, and the statutory trigger word is SOLELY: an insurer may not charge a higher private passenger auto or homeowners premium solely on the basis of credit information. Rule Ins 3300 adds the guardrails — an insurance score may not rest on income, sexual orientation, gender, religion, blindness or other disability, and insurers must make reasonable exceptions for extraordinary life circumstances
- Does the state have a FAIR Plan? testedNO FAIR Plan is in operation — New Hampshire has no basic property insurance plan and no property joint underwriting association; hard-to-place property goes to the surplus lines market. The Commissioner could create one by rule: RSA 404-C:1 lets him adopt a plan whenever he finds after a hearing that property insurance is not readily available in the voluntary market
- 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 — and PSI's bulletin states the position plainly: 'No exam, but P & C license required.' There is no separate surplus lines examination in New Hampshire
- Is a diligent-effort search of the admitted market required first? testedYes — surplus lines coverage 'shall not be placed until the producer has first satisfied the insurance commissioner that the producer cannot procure such an insurance in an admitted company'
- Standard fire policy testedNew Hampshire ADOPTS a statutory standard fire policy and prints the form itself in the statute; its use is required. It carries no edition year and is not the New York '165 lines' form. Coverage attaches at 12:01 AM Standard Time, and the policy period is whatever the parties insert — there is no statutory fixed term
- Proof of loss and payment, fire testedProof of loss within 60 days after the loss, and the amount of loss is due and payable 60 days after the insurer receives proof — a matched pair of 60s, against the health line's 90-day proof of loss
- Appraisal clause, standard fire policy testedEach side selects a competent and disinterested appraiser; the two select an umpire; and an award in writing of ANY TWO of the three, when filed, determines the amount of loss
- Flood damage notice to policyholderNew Hampshire requires a flood damage notice to the policyholder — a standalone statutory section rather than a policy-form footnote
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 in life insurance death benefits
- Life cash surrender / withdrawal value limit tested$100,000 in net cash surrender and net cash withdrawal values
- Annuity benefit limit tested$250,000 in the present value of annuity benefits, including net cash surrender values; the same $250,000 applies to structured settlement annuitants and to governmental retirement plan annuitants
- Health benefit limit tested$500,000 for health benefit plans (basic hospital, medical or major medical); $300,000 for disability income and $300,000 for long-term care; $100,000 for other health coverages
- Aggregate per-individual cap, if any tested$300,000 in the aggregate for any one life — raised to $500,000 where a health benefit plan is involved. Separate ceilings cap one policy owner's multiple non-group policies and unallocated annuities at $5,000,000
- Does the state follow the standard NAIC model limits? testedYes — New Hampshire is on the NAIC model limits, enacted as the Life and Health Insurance Guaranty Association Act of 2019 (RSA 408-F), effective January 1, 2020. Two earlier acts are still printed in the statute book and neither is marked repealed: RSA 408-B (1996) and RSA 404-D (1971). They are not superseded so much as layered by insolvency date — RSA 408-F does not apply to an insurer already insolvent on December 31, 2019 — and all three feed the same association. Cite 408-F
- Name of the P&C guaranty association testedThe New Hampshire Insurance Guaranty Association
- Per-claim cap testedThe lesser of the policy obligation or $300,000 per covered claim, with workers' compensation claims paid in full. A covered claim must exceed $50 net, insureds with a net worth over $25,000,000 are excluded for liquidations ordered on or after August 23, 2003, and member assessments are capped at 2 percent of net direct written premiums
- Is using the guaranty association as a sales inducement prohibited? testedYes for life and health — using the existence of the guaranty association to advertise, solicit or induce a purchase is expressly prohibited and is itself an unfair trade practice. There is NO matching section in the property and casualty act, RSA 404-B
Workers Comp 8 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 tested60 percent of the employee's average weekly wage OR 30 percent of the state average weekly wage, whichever is greater, capped at 150 percent of the state average weekly wage; a low-wage employee receives the full average weekly wage, up to 90 percent of after-tax earnings
- Maximum TTD duration testedPayable for the duration of the disability, subject to review. Nothing is paid for the first 3 days unless the disability lasts 14 days or longer — at 14 days those first 3 days become payable retroactively
- 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
- The two workers' compensation clocks testedTwo different deadlines that candidates merge: NOTICE of injury to the employer within 2 YEARS, and the CLAIM filed within 3 YEARS of the date of injury. Both are tolled where the employee did not know and could not reasonably have known the injury was work-related
Regulator 11 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)
- Grounds to deny, nonrenew or revoke a license testedThirteen enumerated grounds — and note the structure, because it is miscited constantly: RSA 402-J:12 has only five roman-numeral paragraphs, and the thirteen grounds are the lettered subparagraphs (a) through (m) of paragraph I. Two are distinctly New Hampshire: improperly using notes or other reference material to complete a licensing examination, at I(k), and knowingly accepting insurance business from an unlicensed individual, at I(l). The administrative fine reaches $2,500 per violation
- Reporting administrative and criminal actions tested30 days for both, but measured from different events: an administrative action is reported within 30 days of FINAL DISPOSITION, while a criminal prosecution is reported within 30 days of the INITIAL PRETRIAL HEARING — not conviction. A producer who moves to another state files a change of address with certification within 30 days
- Appointment requirement and timing testedA producer may not act as an agent of an insurer without an appointment, and the APPOINTING INSURER — not the producer — files notice within 15 days from the date the agency contract is executed or the first application is submitted. The appointment fee is $25, and terminating an appointment costs $25 as well
- Premium trust and fiduciary funds testedFiduciary funds on New Hampshire business stay in a premium trust account separate from any other account, and under no circumstances may a producer place them in a personal or business operating account. Return premiums must reach the CLIENT no later than 15 days from the date the carrier determines them, and go back to the insurer only if they cannot be delivered to the insured — but there is NO flat deadline to remit COLLECTED premiums; that timing is governed by the producer's contract with the insurer. These rules moved out of former Part Ins 1303 into Ins 4300 in 2007; Ins 1305 is "Waiver of Rules" and never held them
- New Hampshire-specific unfair trade practices testedBeyond the national list, RSA 417:4 names some New Hampshire has added: discrimination against LIVING ORGAN DONORS in life, long-term care or disability coverage; collecting a premium exceeding the filed and approved rate; reducing limits or increasing premium mid-term without the insured's consent; coercing a borrower's choice of insurer as a loan condition; steering to a particular auto body or glass repair shop; 'most favored nation' provider clauses; and Medicare cold-lead marketing
- Who may be paid a commission testedNo commission, service fee, brokerage or other valuable consideration may go to a person for selling, soliciting or negotiating insurance unless that person was properly licensed — and an unlicensed person may not accept it. Deferred commissions may still be paid to someone who WAS licensed at the time of the transaction
Cancellation 12 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely testedTwo different windows, and transposing them is the classic New Hampshire error: personal AUTO freezes at 60 days, homeowners and other PROPERTY at 90 days. Inside the window the insurer may cancel more freely; after it, only on an enumerated ground
- Notice days to cancel a homeowners policy inside the initial window testedAt least 45 days' written notice to cancel or nonrenew a homeowners or property policy, stating the reason — cut to 10 days for nonpayment or where the policy is cancelled within 90 days of inception
- 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 — cut to 10 days for nonpayment, or where a non-renewal policy is cancelled within 60 days of its effective date
- 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 the insured having filed a SINGLE valid claim within any one previous or current policy term. A coverage INQUIRY that produces no claim payment is not a valid claim and cannot support nonrenewal at all
- Permitted cancellation grounds, personal auto testedAfter 60 days only three survive: nonpayment of premium, the specific request of the insured, and the named insured not having been a New Hampshire resident when the policy was issued or renewed — with an exception where the insured vehicle was exclusively garaged in New Hampshire
- Permitted cancellation grounds, homeowners testedAfter 90 days, six: nonpayment; conviction of a crime having as an element an act increasing an insured hazard; discovery of fraud or material misrepresentation by the named insured in pursuing a claim under the policy — not misrepresentation in the application; grossly negligent acts or omissions substantially increasing the hazard; physical changes making the property uninsurable; and the insured's own request
- What RSA 417-B covers, and what it does not testedRSA 417-B reaches policies on personal, family and household risks — real property, personal property and legal liability. It does NOT reach automobile, which is RSA 417-A, and it does not reach workers' compensation. Commercial risks go to RSA 417-C
- Insurer recordkeeping and disclosure testedA private passenger auto insurer must record each cancellation and nonrenewal with its specific reason — excluding cancellations for nonpayment and nonrenewals at the insured's request — and must disclose discounts, credits and surcharges on the renewal notice or the declarations page
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 administers New Hampshire producer exams; PSI replaced Prometric on July 1, 2025. Note that the Department's own producer FAQ still names Prometric — the Department page is stale, the PSI bulletin is current
- Exam fee tested$59 for a single-line exam (Life 12-61, Accident & Health 12-62, Property 12-84, Casualty 12-85, Personal 12-86) and $72 for a combined exam (Life/Accident & Health 12-63, Property & Casualty 12-64). The fee is not refundable or transferable, and it is valid for one year from the date of payment
- License application fee tested$210 application and license fee, charged per license rather than per line of authority; a NIPR transaction fee is added at checkout
- Fee per insurer appointment tested$25 for a 'lifetime' (continuous) appointment; the insurer files it within 15 days of initiating business
- Passing score testedNOT PUBLISHED. Neither PSI's current bulletin nor the New Hampshire content outlines print a cut score, and the Department does not publish one — your score appears on screen and in an emailed report, and a failing report breaks results down by content area. The '70%' still circulating traces to the Prometric bulletin New Hampshire stopped using in 2025
- Minimum age to be licensed tested18 years of age
- Is pre-licensing education required? testedNO — repealed effective July 11, 2008. PSI's bulletin is explicit that the Department specifies no official study manual and requires no pre-licensing course
- 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 testedNONE of the usual kind — New Hampshire requires no fingerprints, no state police report and no criminal history record check for resident producers. Vetting runs through the Uniform Application's disclosure questions, where a 'yes' triggers a written explanation and court documents within 30 days. A felony conviction remains a ground to deny or revoke, but there is no records-check mechanism attached to it
- Deadline to apply after passing the exam testedNone is published. New Hampshire fixes no deadline between passing the exam and applying — though once an electronic application is filed, supporting documentation must arrive within 30 days or the application is denied
- How long a passed exam remains valid testedThe examination FEE is valid for one year from the date of payment. New Hampshire publishes no separate score-validity period, so do not assume the familiar two years
- Waiting period before retaking a failed exam testedNone — there is no mandatory waiting period and no published limit on attempts. PSI's own illustration is that a candidate who fails on a Wednesday may call Thursday and retest Friday, subject to seat availability. A failed candidate must re-register and pay the fee again
- 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) — the bulletin directs that all applications be submitted electronically through the National Insurance Producer Registry. Apply AFTER passing: original passing exam results must be on file. The application and license fee is $210
- 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 180 days, with no examination — on the death or disability of a designated individual, on entry into active military service, or where the Commissioner deems the public interest will be served. The Commissioner may require sponsorship by a licensed producer and may revoke the temporary license