The New Hampshire Accident & Health Producer License
New Hampshire issues one producer licence and lists lines of authority on it — there is no separate broker or consultant credential here. Accident & Health is one of those lines, and it reaches individual and group health, disability income, long-term care, and Medicare supplement business.
It is available as a standalone exam, series 12-62, and it kept something the life papers lost. On July 6, 2026 PSI withdrew remote proctoring from the Life (12-61) and Life, Accident & Health (12-63) exams. 12-62 was not part of that withdrawal. If you want the Health line and you want to test from your own home, the standalone Accident & Health paper is now the only route that gets you both — sitting the combined 12-63 to pick up Health means going to a test center. This guide owns the remote-proctoring walkthrough.
The eligibility bar is RSA 402-J:6 and it is short: be 18, have no ground for denial under RSA 402-J:12, pay the fee, pass the exam. No pre-licensing course — that was repealed on July 11, 2008 — and no fingerprints, which New Hampshire does not require of any resident producer.
The substantive law behind this exam is where New Hampshire departs hardest from national material, and it departs in a consistent direction: the numbers are different. The grace period is tiered rather than fixed. The free look is 30 days rather than the 10 the life line gets. The continuation election window is 45 days rather than 60. None of those are the figures a national text will have taught you.
Accident & Health Alone, or the Combined Paper
| Paper | Series | Items | Time | Fee | Remote proctoring |
|---|---|---|---|---|---|
| Accident and Health | 12-62 | 100 | 2 hr | $59 | Yes |
| Life, Accident & Health | 12-63 | 150 | 2 hr 30 min | $72 | No — withdrawn 7/6/2026 |
| NH Accident & Health Laws and Regulations | 12-79 | 40 | 1 hr | $59 | Not stated |
The arithmetic favours the combined paper if you want both lines: $72 against $118 for two singles, and one appointment instead of two. But since July 2026 the combined paper carries a cost the fee table does not show — it can only be sat at a test center. A candidate who wants both lines and needs to test remotely has to take them as two separate remote-eligible papers, and the Life half of that is not remote-eligible either. In practice: if you need remote proctoring, 12-62 is the line you can get that way.
PSI adds 5 to 10 unscored experimental questions to the examinations. The content outline publishes a total — "100 Items - 2 Hours" — without splitting scored from pretest, so read "100 items" as the length of the paper rather than as a scored-question count. The pre-exam tutorial takes up to 15 minutes and does not come out of your two hours.
The 12-79 paper is the state-law-only exam, sat by candidates the Department has told are exempt from the general portion — most often a producer bringing in an existing out-of-state licence. It is not a shortcut you elect.
Most Tested Topics on the New Hampshire Accident & Health Exam
New Hampshire's health law is where this exam earns its state-specific reputation, and the reason is that almost every number differs from the national model — usually by a little, which is worse than differing by a lot. From the TESTivity New Hampshire regulations curriculum, statute-verified:
| Concept | The New Hampshire rule |
|---|---|
| Free look, individual accident & health | 30 days — and note the asymmetry that catches people: individual life gets 10 days under Ins 401.05(f), individual health gets 30 under Ins 401.06(b)(10). Same body of rules, same prescribed wording, three times the window (N.H. Admin. Code Ins 401.06(b)(10)) |
| Grace period, tiered by premium mode | Not one number but three, and the statute prints the blank to be filled: "a number not less than 7 for weekly premium policies, 10 for monthly premium policies and 31 for all other policies." An item that gives you a weekly-premium policy is testing the 7 (RSA 415:6, I(3)) |
| Time limit on certain defenses | 2 years, and New Hampshire uses the time limit on certain defenses framing rather than a life-style incontestability clause: after 2 years "no misstatements, except fraudulent misstatements, made by the applicant … shall be used to void the policy or to deny a claim." Fraud is carved out permanently (RSA 415:6, I(2)) |
| Notice of claim and proof of loss, health | 20 days to give notice of claim after the occurrence or commencement of loss. Proof of loss then splits in two: for a claim the policy pays periodically for a continuing loss, proof is due 90 days after the end of the period the insurer is liable for, and Medicare supplement gets no extension there. For any other loss it is 90 days, stretched to a full year for a Medicare supplement policy. The one-year figure is real but narrower than it is usually taught (RSA 415:6, I(5), I(7)) |
| Reinstatement by acceptance of premium, health | Where the insurer subsequently accepts premium without requiring a reinstatement application, that acceptance alone reinstates the policy (RSA 415:6, I(4)) |
| State continuation election window | 45 days from the date of the notice — not the 60 days candidates bring in from federal COBRA. On divorce or legal separation the employee or spouse must notify the employer within 30 days, and the former spouse then gets its own 45 (RSA 415:18, XVI(g)(1), (g)(2)) |
| State continuation duration | Five periods, not four: 18 months base; 39 WEEKS — not months — where the entire group policy terminates; 29 months where the individual is determined disabled within the first 60 days; 36 months for certain dependent events; and an open-ended period for a surviving, divorced or legally separated spouse aged 55 or older, running until that spouse is eligible for another employer group plan or for Medicare. The 39 weeks is the one nobody expects (RSA 415:18, XVI(c)(1)–(5)) |
| State continuation scope | No federal-style 20-employee floor — but not "no threshold at all": RSA 415:18, XVI(i) excludes individuals covered under group policies issued to small employers of size one. Above that, continuation reaches any group health policy covering a New Hampshire resident, expressly including a policy "delivered or issued for delivery in this state or any other state." That extraterritorial reach is unusual and is the most-missed part of the section (RSA 415:18, XVI(a), (i)) |
| Continuation premium cap | 102 percent of the group premium amount — the group rate plus an administrative charge not exceeding 2 percent (RSA 415:18, XVI(d)) |
| External review, health | 180 days from the final adverse determination to request it; the independent review organization decides within 20 days, or no more than 72 hours expedited; and the decision is binding on the health carrier. Internal appeals run 30 days standard, 72 hours expedited (RSA 420-J:5-a, 5-b, 5-c, 5-e) |
| Prompt payment of clean claims | 15 calendar days for a clean electronic claim and 30 for a clean paper claim — New Hampshire splits them, where many states use one number. Overdue claims carry 1.5 percent per month interest, and a judicial finding of bad faith can add attorney's fees (RSA 420-J:8-a) |
| Medicare supplement, disabled under-65 | A New Hampshire issuer may not keep charging a disabled under-65 Medicare beneficiary the under-65 premium rate once that person turns 65 — a New Hampshire-specific rule effective January 1, 2022. The 30-day Medicare supplement free look is separate, at RSA 415-F:6 (RSA 415-F:9) |
| Long-term care inflation protection | Included by default. Inflation protection "shall be included in a long-term care insurance policy unless an insurer obtains a rejection of inflation protection signed by the policyholder" — an opt-out, not an opt-in — and the offer must include 5% annual compounded increases. A Long-Term Care Insurance Personal Worksheet is required at or before application (N.H. Admin. Code Ins 3601.12, Ins 3601.23) |
Three of these move more points than the rest. The first is the grace period, because it is a three-way item disguised as a one-way item. National material teaches 31 days, and 31 days is New Hampshire's answer only for "all other policies." Weekly premium is 7; monthly premium is 10. When a question bothers to specify how the premium is paid, the premium mode is the question.
The second is state continuation, and specifically its scope. Candidates learn mini-COBRA as the small-employer patch that fills the gap under federal COBRA's 20-employee threshold, and then answer New Hampshire questions as though a size threshold exists here. It does not. RSA 415:18, XVI(a) attaches to the individual — any subscriber or member who is a New Hampshire resident — and reaches policies issued in other states. Pair that with the 45-day election window and the 39-week period for a terminating group, and you have three separate places where the federal number is the wrong answer.
The third is the free-look asymmetry. Ten days for life, thirty for health, thirty for a replacement, thirty for long-term care, thirty for Medicare supplement. Life is the outlier, and health candidates who studied the life rule first tend to carry the 10 across. It does not carry.
Taking the New Hampshire Exam by Remote Proctor
New Hampshire offers remote proctoring through PSI, and when the Department announced the vendor change it named the option explicitly: "PSI will offer both in-person exams at multiple locations and remote testing that can be completed from a candidate's home." That is still true — but it is no longer true of every paper, and the carve-out is recent enough that most of what you will read about it online is wrong.
What the bulletin actually says. It states only the withdrawal — that Life and Life, Accident & Health lose remote proctoring — and does not publish an affirmative list of which papers remain remotely proctorable. The table below therefore shows which series the withdrawal names and which it does not; for any series not named, confirm availability in the PSI scheduler before you count on it.
| Paper | Series | Remote |
|---|---|---|
| Accident and Health | 12-62 | Not named in the withdrawal |
| Property | 12-84 | Not named in the withdrawal |
| Casualty | 12-85 | Not named in the withdrawal |
| Personal | 12-86 | Not named in the withdrawal |
| Property and Casualty | 12-64 | Not named in the withdrawal |
| Life | 12-61 | Withdrawn 7/6/2026 |
| Life, Accident and Health | 12-63 | Withdrawn 7/6/2026 |
The withdrawal took effect on July 6, 2026, and PSI carries the note twice in its bulletin — once in the narrative and once on the 12-61 and 12-63 rows of the fee table itself: "Effective 7/6/2026, NH Life Insurance Producer and NH Life, Accident and Health Insurance Producer examinations will no longer be offered via remotely proctored." That date has passed. Both papers are test-center only now.
What that means if you want Life and Health. Sitting the combined 12-63 gets you both lines in one $72 appointment — at a test center. Sitting 12-62 remotely gets you Health from home, but the Life half then has to be 12-61, which is also test-center only. There is no combination that gets you the Life line without visiting a center. Plan accordingly rather than discovering it at booking.
Booking and running a remote session. You register and schedule through PSI the same way you would for a center, choosing the remote option where it is offered for your series. The requirements are PSI's standard remote-proctoring stack rather than anything New Hampshire adds: a supported computer with a working webcam and microphone, a stable connection, and a system check run before exam day rather than on it. Plan to launch early — the check-in leg is where remote appointments go wrong, and a failed check-in on the day is not a rescheduling event, it is a forfeited fee.
The room rules are the part people underestimate. A remote session applies the same security posture as the center: you test alone in a closed room, the desk is clear, and the proctor will ask you to pan the camera around the space before starting. Everything on the center's prohibited list applies at home too — no reference material, no scratch paper of your own, no phone, no second monitor, no food or drink, and nobody else in the room at any point. A person walking in mid-exam can end the session.
One ID, and it must be the real thing. Remote check-in uses the same standard as the center: one form of government-issued identification, current, bearing your name, signature and photograph. "No form of temporary identification will be accepted" — a paper interim licence will not get you into a remote session any more than into a center. The Life & Health guide covers the identification rules and the security screening in full.
If remote is not working for you, the fallback is six test centers across the state and the reschedule rule is the same either way: you may cancel and reschedule without forfeiting the fee if PSI receives the notice 2 days before your appointment, done through the website or by speaking to a representative. Voicemail and email do not count. The Property guide lists every center with its address.
What the New Hampshire License Costs
New Hampshire is one of the cheapest states in the country to get licensed in, and the reason is what it does not charge you for. There is no pre-licensing course to buy, because the requirement was repealed on July 11, 2008. There is no fingerprint fee, because New Hampshire fingerprints no resident producers at all. What is left is the exam and the license.
| Item | Cost | Paid to |
|---|---|---|
| Exam, this line | $59 per attempt | PSI |
| Pre-licensing education | $0 — not required | — |
| Fingerprints / background check | $0 — not required | — |
| Application and license fee | $210 | NH Insurance Department, via NIPR |
| NIPR transaction fee | A few dollars, shown at checkout | NIPR |
| Running total | about $269 |
The $210 is set by RSA 400-A:29, X(a) as an "application and license fee," and it is charged per licence rather than per line of authority — New Hampshire issues one producer licence and lists the lines on it. Adding a line later costs you an exam plus the $50 amendment fee under RSA 400-A:29, X(c) — not another $210.
The exam fee is not refundable and not transferable, and the bulletin puts that in capitals for a reason: if you fail, you re-register and pay again. There is no discount on a retake. The fee itself stays valid for one year from the date of payment, so a registration you never use does not evaporate immediately.
The fees you will meet later are worth knowing now. From RSA 400-A:29, X: biennial renewal $150, appointment $25 and termination of appointment $25, amendment to a licence $50 (a name or address change is excluded from that fee), additional fee for late renewal $150, and late completion of continuing education $50. Reinstatement is not in that fee schedule: NIPR publishes $300 for a New Hampshire reinstatement, while the Department's own FAQ describes the late charge as double the licence fee and RSA 402-J:7 states the penalty as double the unpaid renewal fee. Confirm the current figure with the Department before relying on it.
Long-term care and annuity business is worth a note here because a national figure travels badly into New Hampshire: there is no state-mandated producer training hour count for either. New Hampshire's LTC rules put the training duty on the insurer — Ins 3601.22(a)(1) requires it to establish producer training requirements, and Ins 3601.23(b)(2) requires it to train producers in its suitability standards — and Ins 305, the 2024 annuity best-interest rule, has no counterpart to the NAIC model's producer-training section. Your carrier will very likely require training. The state does not set the hours.
Eligibility Requirements
RSA 402-J:6 sets a short list, and it is worth reading for what is absent as much as for what is there. The Commissioner issues the licence to an individual who:
- is at least 18 years of age;
- has not committed any act that is a ground for denial, suspension or revocation under RSA 402-J:12;
- has paid the fees set out in RSA 400-A:29; and
- has successfully passed the examinations for the lines of authority requested.
That is the whole test. There is no pre-licensing education, no fingerprint card, no criminal history record check, and no residency waiting period. New Hampshire is one of a small number of states that runs a producer licensing system with no biometric background check at all — nothing in RSA 402-J, nothing in RSA 400-A:29's fee schedule, and nothing in rule chapter Ins 1300 creates one.
What replaces it is self-disclosure. The Uniform Application carries background questions, and a "yes" answer obliges you to submit a written explanation and the court or regulatory documents behind it. Those documents must reach the Department within 30 days of the electronic application or the application is denied. A felony conviction remains an express ground to deny or revoke under RSA 402-J:12, I(f) — New Hampshire simply learns about it from you rather than from a records check.
One ground in that list is distinctly New Hampshire and worth naming: RSA 402-J:12, I(k) makes "improperly using notes or any other reference material to complete an examination for an insurance license" a statutory ground for denial or revocation in its own right. Most states handle exam misconduct as a vendor matter. New Hampshire wrote it into the licensing statute, and the administrative fine reaches $2,500 per violation.
Keeping the New Hampshire Accident & Health License
Important CE details: 24 hours per 24-month cycle. Ethics has a floor AND a ceiling: at least 3, at most 10. Deadline is 60 days before expiry, and expiry is the last day of your birth month. First-cycle producers are covered by their exam pass. No carryover, no long-service or designation exemption, $50 penalty for a late filing.
New Hampshire licences are biennial, and they expire on the last day of your birth month — not on the anniversary of issue, and not on a fixed statewide date. Your first term is therefore short or long rather than a clean two years: it runs to the second birth month after the licence is issued, which in practice is anywhere from about 13 to 25 months.
RSA 402-J:7 frames the licence as continuous rather than expiring: it "shall remain in effect unless revoked or suspended as long as the fee set forth in RSA 400-A:29 is paid and educational requirements for resident individual producers are met by the due date." Miss either and it stops.
The CE requirement — RSA 402-J:7-a and Ins 1302.03:
- 24 hours of Commissioner-approved instruction in the preceding 24 months.
- At least 3 and no more than 10 of those hours may be ethics. New Hampshire caps ethics as well as requiring it, which is unusual — most states set only a floor. You cannot fill the cycle with ethics courses.
- A credit hour means at least 50 minutes of instruction, and the same course cannot be counted twice in one renewal period.
- Everything must be completed and reported 60 days before your renewal date. Not by the expiration date — sixty days ahead of it.
- Passing the state producer licensing exam satisfies the ensuing renewal (Ins 1302.03(g)). A brand-new producer does not owe CE for the first cycle.
The 60-day lead is the single most expensive detail on this page, because it is not the deadline people assume. Your licence expires on the last day of your birth month; your CE was due two months before that. The renewal window itself opens 60 days before expiration and closes at midnight on the expiration date, so the CE deadline and the opening of the renewal window fall on roughly the same day. A producer who starts thinking about renewal when the window opens has already missed the CE deadline.
Fall short and Ins 1302.05 is blunt: no further licence issues until compliance is demonstrated. A $50 late-CE fee applies on top. Miss the renewal fee instead and RSA 402-J:7 charges a penalty of double the unpaid renewal fee. A lapsed licence can be reinstated within 24 months without re-examination; past two years you apply as a new licensee and sit the exam again.
New Hampshire allows no carryover of excess hours into the next cycle, and grants no exemption for long service or for professional designations — a producer with thirty years and a CLU owes the same 24 hours as everyone else. The only exemptions are nonresident reciprocity and the exam-passage credit above.
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