What This License Is
A New Mexico Accident & Health license lets you sell health, accident, disability, and related products to people and businesses in New Mexico. It is issued by the New Mexico Office of Superintendent of Insurance.
Licensing runs through the same process as every New Mexico producer line — the difference is the focused Accident & Health exam.
Exam Options & Format
The Accident & Health exam is Accident & Health (Series 18-26, Prometric): 100 (+unscored trial items) questions, 2 hr, $75 per attempt. Passing standard: 70%.
New Mexico also offers the combined exam (Life, Accident & Health (Series 18-27): 150 questions, 2 hr 30 min, $75), which licenses both lines in one sitting. If there is any chance you will sell life or annuity products later, the combined exam is usually the better value.
Fingerprint Background Check
New Mexico requires resident applicants to submit fingerprints electronically for a criminal background check run through both the NM Department of Public Safety and the FBI. The DPS has partnered with IDEMIA, which provides the service through IdentoGo.
Register online at the IdentoGo NM site using the insurance ORI number NM920210Z and pay the $59 service fee at registration. OSI will not issue a license until the background check results are received (NMSA 59A-11-2(E)), so schedule fingerprinting early - ideally right after you pass the exam.
Applying for Your License
Once you've passed the exam and been fingerprinted, apply online through NIPR at nipr.com. The resident producer license fee is $30, paid to OSI. OSI must receive all required application materials, including the correct non-refundable fee, within one year of passing your exam.
OSI has up to 10 days to determine whether your application is administratively complete, and processes most applications within 10 days. If you answered 'yes' to any background question, attach your written statement and the corresponding official court documents through the NIPR Attachments Warehouse (court website printouts are not accepted).
Renewal and Continuing Education
Your first license term runs 13 to 24 months and expires on the last day of your birth month. After that, renewals are a full two-year term, also ending on the last day of your birth month. You can renew up to 90 days before expiration through NIPR, and you alone are responsible for renewing on time - OSI may or may not send a reminder.
Continuing education is 24 hours per two-year cycle: 3 hours of ethics plus 21 general hours, with at least 3 hours each period earned through Classroom, Classroom-Equivalent, Webinar, or Seminar delivery.
Where and How You Test
You can test at a PSI center or by live remote online proctoring. New Mexico PSI test centers are in Albuquerque, Farmington, Las Cruces, Roswell, and Santa Fe, and you may also test at PSI centers in other states once you've paid.
Arrive 30 minutes early and bring one valid, current, government-issued photo ID with your signature (driver's license, state ID, passport, or military ID - note that military ID is not accepted for remote testing). No reference materials, scratch paper, calculators, or electronic devices are allowed, and breaks are not permitted during remote proctored exams.
Moving to New Mexico Already Licensed?
If you already hold an equivalent resident license in another state and are relocating to New Mexico, you can request an exam waiver. You must become a New Mexico resident, have held a valid resident license with the equivalent line(s) of authority, submit a written request detailing where and when you were licensed and which exam you took, and file the license application with fees within 90 days of becoming a resident - along with your fingerprint receipt.
What the L&H Exam Covers
The Series 18-27 exam blends New Mexico regulation with broad life and health content. The biggest single bucket is Life, Accident & Health Insurance Basics (16%), followed by Life Insurance Policy Provisions, Options & Riders (13%). Insurance Regulation and Medical Plans each carry 10%.
Rounding out the exam: Types of Life Insurance Policies (9%), Annuities (8%), Accident & Health Policy Provisions (7%), Group Health Insurance (6%), General Insurance Concepts (5%), Specialized Health Insurance for Qualified Individuals - Medicare, Medicaid, LTC (5%), Federal Tax Considerations (5%), Disability Income (4%), and Federal Laws & Regulations (2%).
Long-Term Care Training
If you want to sell, solicit, or negotiate long-term care insurance, New Mexico requires 8 hours of approved long-term care training (LTCT). Resident licensees can apply those hours toward the CE requirement, and nonresidents can satisfy it with substantially similar training completed in another state.
Quick Reference
Official Links
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