North Dakota Insurance Exam Guides
Pick the license you're studying for. Each guide covers North Dakota-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the North Dakota exam's state-law material, mapped.
Free study resource
What's actually tested on the North Dakota exam — the state regulations, mapped
Every North Dakota insurance exam reserves a block of questions for North Dakota-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 133 facts from the TESTivity North Dakota 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 17 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years — a policy is incontestable after it has been in force for 2 years during the insured's lifetime
- Grace period for individual life tested31 days for any premium after the first, during which the policy stays in force
- Window to reinstate a lapsed policy testedTHREE years from default, on evidence of insurability satisfactory to the company and payment of arrears with interest — shorter than the five years most national material teaches
- Max interest chargeable on reinstatement, if capped testedOverdue premiums are paid with interest at the rate specified in the policy — North Dakota fixes no statutory percentage cap
- Suicide exclusion period testedONE YEAR — North Dakota departs from the two-year national norm. A suicide restriction may be effective only during the first year after issuance, while restrictions for all other causes may run two years. It looks like a typo next to national material; it is not
- Free look for individual life tested20 days to return an individual life policy or certificate for a refund — and note the contrast that makes this a favourite item: accident and health gets only 10 days under NDCC 26.1-36-02.1. Twenty for life, ten for health
- Free look for annuities tested20 days for an annuity (for a variable annuity, the refund equals the account value plus all expense charges)
- Free look when a policy is being replaced testedNorth Dakota does not set a separate, longer free look for replacements — the standard 20-day right to return applies
- Free look for long-term care tested30 days for long-term care, from delivery or the effective date, whichever is later
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, and extended term insurance, under North Dakota's Standard Nonforfeiture Law
- Registrations required to sell variable products testedVariable life and variable annuities require the North Dakota Life line plus a Variable Life & Variable Annuity line of authority and securities (FINRA) registration, with a CRD number — they are securities
- Does the state regulate viatical/life settlements? testedYes — North Dakota regulates viatical and life settlements under Chapter 26.1-33.4; providers and brokers must be licensed
- Viator's rescission window testedThe owner may rescind by the earlier of 60 days after the contract is executed or 30 days after the settlement proceeds are sent to the escrow agent
- Has the state adopted the NAIC best interest standard? testedYES — North Dakota adopted the NAIC 2020 best interest annuity standard, effective January 1, 2022 (Chapter 26.1-34.2), with a producer best-interest duty and a 4-hour annuity training
- Death claim payment and interest testedWithin TWO MONTHS after receipt of proof, and the payment must include reasonable interest accrued from the DATE OF DEATH — not from the date proof was filed. The statute says reasonable interest rather than naming a rate
- Misstatement of age, life testedBenefits are adjusted to the amount the premium paid would have purchased at the correct age. North Dakota's provision addresses AGE only — misstatement of sex is not covered by the section
- Individual life replacement regulation testedNorth Dakota appears to have NO standalone individual life replacement regulation — an unusual gap. Line-specific replacement rules do exist for long-term care, Medicare supplement and group coverage, and annuity exchanges are reached through the suitability chapter, but individual life replacement is governed only by the general unfair-trade-practice and twisting prohibitions. Verify before relying on it
Health 20 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedYES — North Dakota expanded Medicaid under the ACA (adults up to 138% of the federal poverty level), effective January 1, 2014
- Effective date of expansion, if expanded testedJanuary 1, 2014
- Agency administering Medicaid testedNorth Dakota Health and Human Services (HHS)
- Federal marketplace or state-based exchange testedA FEDERALLY-FACILITATED marketplace (HealthCare.gov) — North Dakota did not build a state exchange
- Name of the state CHIP program testedHealthy Steps (North Dakota's CHIP program, administered by HHS and delivered through BCBSND)
- Clean-claim payment deadline, electronic tested15 business days after receiving a proof of loss to pay, deny, or make an initial request for more information
- Clean-claim payment deadline, paper tested15 business days — North Dakota does not distinguish electronic from paper claims
- Does the state distinguish electronic vs paper claims? testedNo — North Dakota applies a single 15-business-day standard to all clean claims
- Interest / penalty on late claim payment testedNorth Dakota's prompt-pay statute does not fix a specific interest rate; a late payer is subject to the Insurance Code's general penalty provisions
- Is the IRO's external review decision binding on the plan? testedYES — the independent review organization's external-review decision is BINDING on the insurer and the claimant; the IRO issues a standard decision within 45 days, and the insurer must provide benefits without delay
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; North Dakota continuation reaches smaller groups
- Employer size range covered by state continuation testedThe statute keys on the INDIVIDUAL, not the employer's headcount: the employee or member must have been continuously insured under the group policy for the entire 3-month period ending with the termination. In practice it fills the gap below federal COBRA's 20-employee line, but the 3-month continuous-coverage test is the one the statute actually states
- Duration of state continuation coverage tested39 WEEKS after the date coverage would otherwise have terminated — roughly 9 months. North Dakota counts in weeks where nearly every other state counts in months, which makes this one of the most distinctive numbers on the exam
- Election period for state continuation testedTWO deadlines, and both bite: the election must be made within 10 days of the later of the termination date or the date notice is given — and in no event may continuation be elected more than 31 days after termination. The 10-day window is the one candidates miss
- Max premium as % of group rate testedNot more than the group rate, paid monthly in advance. North Dakota adds no administrative loading — there is no 102 percent here
- Free look, individual accident & health tested10 days to return an individual accident and health policy or certificate and have the premium refunded — half the 20 days life insurance gets
- Grace period, accident & health testedA FLAT 31 days, individual and group alike. North Dakota did not adopt the NAIC tiered model that gives 7 days for weekly premium and 10 for monthly, so an item offering a mode-based answer is offering the national rule rather than North Dakota's
- External review timing testedFour months after receiving notice of an adverse benefit determination to request external review; the independent review organization decides within 45 days, or within 72 hours if expedited
- Insulin out-of-pocket cap tested$25 per 30-day supply — North Dakota caps out-of-pocket cost for covered insulin drugs, and applies the same $25 cap to covered insulin dosing and administration supplies
- Free look, Medicare supplement tested30 days for Medicare supplement, with the notice printed prominently on the first page of the policy or certificate or attached to it
Auto 14 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedNO-FAULT — every secured vehicle carries mandatory 'basic no-fault' (personal injury protection) benefits paid regardless of fault; a suit for pain and suffering requires crossing a serious-injury threshold
- Minimum bodily injury liability per person tested$25,000 per person
- Minimum bodily injury liability per occurrence tested$50,000 per accident
- Minimum property damage liability tested$25,000 per accident
- The memorizable shorthand (e.g. 30/60/25) tested25/50/25
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMANDATORY — no motor vehicle liability policy may be delivered, issued for delivery or renewed in North Dakota unless uninsured motorist coverage is provided. The insurer need not write UM above the insured's own bodily injury liability limits, or above $100,000 per person and $300,000 per accident, whichever is less
- Underinsured motorist status testedALSO MANDATORY, and tied to UM: the insurer must provide underinsured motorist coverage at limits equal to the uninsured motorist limits. North Dakota is one of the states where UIM is compulsory rather than an offer the insured may decline
- Personal injury protection status testedMANDATORY. Basic no-fault benefits run to $30,000 per person per accident for economic loss, with sublimits inside that ceiling: work loss capped at $150 per week, funeral, cremation and burial at $3,500, and replacement services at $15 per day. The vehicle owner must provide the security continuously or the registration is revoked or suspended
- Contributory / pure comparative / modified comparative negligence testedMODIFIED COMPARATIVE FAULT with a 50% bar — a claimant recovers only if their fault is LESS than the combined fault of everyone else; a claimant whose fault is AS GREAT AS (50% or more) the combined fault recovers nothing. Damages are reduced by the claimant's share, and liability among defendants is several, not joint.
- The bar percentage, if modified comparative tested50% bar — a claimant whose fault is as great as (or greater than) the combined fault of the others recovers nothing (so a claimant must be LESS than 50% at fault to recover)
- Assigned risk / residual market plan for auto testedThe North Dakota Automobile Insurance Plan (NDAIP) — the assigned-risk residual market (a separate Assigned Claims Plan pays no-fault benefits to certain otherwise-uncovered injured persons)
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedThere is no alternative — North Dakota compels the coverage. What the no-fault scheme does instead is gate the TORT claim: suing for pain and suffering requires a serious injury, meaning death, dismemberment, serious and permanent disfigurement, disability beyond 60 days, OR medical expenses exceeding $2,500
- Stacking of UM/UIM limits testedPROHIBITED — UM and UIM limits may not be added to or stacked upon the limits applying to other motor vehicles to determine the coverage available in any one accident
- When no-fault benefits become overdue testedNo-fault benefits are overdue if not paid within 30 days after the insurer receives reasonable proof of the fact and amount of loss, and overdue amounts bear interest at the rate applicable to judgments. The duty runs from the insured's OWN insurer to the insured
CE & Renewal 11 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal testedThe license itself runs in PERPETUITY — North Dakota does not issue a term license. What ends it is failure of a condition, one of which is not filing the biennial continuation. So the practical cycle is two years even though the statute names no term
- What the renewal date keys off (flat term / birthday / birth year) testedThe biennial continuation is due on or before the last day of the month of the licensee's BIRTHDAY following the two-year anniversary of issuance. The commissioner must give at least 60 days' notice of the deadline
- CE hours per renewal period, standard case tested24 CE hours every 2 years
- CE hours if holding multiple license types (if different) tested24 total each cycle — a single requirement covering all lines held; it is not stacked per line
- Ethics hours required per period tested3 hours of ethics each cycle, within the 24
- Limits on who may provide CE credits testedProviders, coordinators, and instructors must be approved by the Insurance Department; a course may not be credited twice in a reporting period
- Initial long-term care training requirement testedNorth Dakota mandates NO producer training hours for long-term care. The 8-hour initial plus 4-hour recurring figure is the NAIC model, which North Dakota never adopted — NDCC ch. 26.1-45 has no producer training section, and NDAC 45-06-05.1 puts the duty on the INSURER to establish agent training requirements. Annuities are different: a one-time 4-hour training course is required before selling them
- What happens if CE is not completed (fine / expiry / cancellation) testedFailing CE is a terminating condition on the license itself, not a fine — NDCC 26.1-26-31 lists unmet continuing education among the events that end a license that would otherwise run in perpetuity. Renewal is two-part: CE compliance AND the continuation filing with its $25 fee before expiration. Completing CE alone does not keep the license alive
- Late renewal / reinstatement tiers testedThere is effectively no late renewal and no reinstatement. Miss the continuation and the license is CANCELLED — you reapply as a new applicant with a fresh $100 application fee, not a renewal fee. The renewal window opens about 90 days before expiration, and the rule that once carried a lapse procedure, NDAC 45-02-02-07.1, was REPEALED effective December 1, 2001
- Any CE exemption (e.g. long-service agents) testedThree: producers licensed exclusively for title, travel and baggage, surety, bail bonds, legal expense or credit insurance; a grandfathered senior exemption frozen to a January 1, 2010 snapshot — at least 62 years old on that date with years of continuous licensure plus age totalling 85, which does NOT roll forward to anyone reaching those numbers later; and a commissioner-granted extension of up to one year
- Carryover of excess CE hours testedUp to 12 excess hours may be carried — and unusually, in BOTH directions: credits earned above the minimum in any one year may be applied to the year next preceding or the year next following the year in which they were earned
Property 11 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedFILE-AND-USE WITH A DEEMER, not prior approval. A filing sits for a 60-day waiting period and is deemed to meet the chapter's requirements unless the commissioner disapproves it within that period. Personal lines gets the LIGHTEST treatment rather than the heaviest: a private passenger automobile or homeowner filing averaging under 5% is deemed compliant immediately, with notice filed within 30 days AFTER implementation
- Is insurance credit scoring permitted in personal lines? testedPERMITTED but RESTRICTED — an insurer may not use income, gender, address/ZIP, ethnicity, religion, marital status, or nationality in a scoring model, may not deny/cancel/nonrenew solely on credit, and may not penalize the absence of a credit card; scoring models must be filed
- Does the state have a FAIR Plan? testedA statutory facility EXISTS but is a trigger mechanism rather than a standing plan: NDCC ch. 26.1-52 creates a Property Insurance Placement Facility that the commissioner may implement on finding property insurance is not adequately available in the standard market. NDCC 26.1-25-10.5 supplies the general framework for joint underwriting and residual market mechanisms. In practice hard-to-place property still reaches the surplus lines market
- Dominant catastrophe perils in the state testedHail, straight-line wind and tornado, severe winter storms and blizzards, and flooding (notably the Red River of the North) — an inland, Northern Plains profile
- What license you must already hold to write surplus lines testedA surplus lines producer license (issued under Chapter 26.1-26); coverage is placed with an eligible surplus lines (nonadmitted) insurer
- Is a diligent-effort search of the admitted market required first? testedYes — the producer must determine that the full amount or type of coverage is not available from admitted insurers actually writing it before placing it in the surplus lines market (a diligent-effort standard); the surplus lines premium tax is 1.75%
- Standard fire policy testedNorth Dakota adopts the 1943 STANDARD FIRE INSURANCE POLICY OF THE STATE OF NEW YORK by reference — it does not reprint the form. Every fire policy must conform in all particulars as to blanks, size of type, context, provisions, agreements and conditions, with a copy filed with the commissioner as the standard policy for this state
- Valued policy on total fire loss testedYES — North Dakota is a VALUED POLICY state. Where the insured property is wholly destroyed, the amount of insurance written in the policy is the true value of the property and the true amount of the loss, without proof of actual cash value. The standard policy is expressly a valued policy
- Proof of loss and appraisal, fire tested60 days after the loss for the insured to render proof — but note the source: that deadline comes from the incorporated 1943 New York form, not from a North Dakota section. The same form supplies the appraisal clause: written demand, 20 days to name appraisers, umpire selected by them or by a judge after 15 days' failure, and an award of any two determines the amount
- Time limit to sue on a fire policy testedTHREE YEARS minimum — and this is where North Dakota overrides the form it adopted. The 1943 New York policy limits suit to 24 months after inception of the loss; NDCC 26.1-39-06(10) makes any limitation of less than three years void in North Dakota. A candidate who memorizes the NY form gets this one wrong
- Reopened and supplemental claims testedA claim may be reopened within one year of the loss, and a supplemental claim filed within twelve months after the last payment — with tolling for deployed service members
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedThe North Dakota 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 cash surrender value)
- Health benefit limit tested$500,000 for a health benefit plan; $300,000 for disability income and long-term care; $100,000 for other/basic health
- Aggregate per-individual cap, if any tested$300,000 aggregate per individual life (up to $500,000 where a health benefit plan is involved)
- Does the state follow the standard NAIC model limits? testedYes — North Dakota follows the standard NAIC model limits ($300,000 death benefit, $100,000 cash value, $250,000 annuity, tiered health, $300,000 aggregate)
- Name of the P&C guaranty association testedThe North Dakota Insurance Guaranty Association
- Per-claim cap tested$300,000 per covered claim — and a second, much lower cap people forget: return of UNEARNED PREMIUM is capped at $10,000 per policy. Other applicable coverage must be exhausted first
- Is using the guaranty association as a sales inducement prohibited? testedYes — using the existence of the guaranty association for sales, solicitation, or inducement to purchase insurance is prohibited
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — with limited exceptions, all employers must insure all employees (full-time, part-time, seasonal, and occasional) before work begins
- Employee count at which coverage is required testedCoverage attaches with any covered employment — North Dakota has no numeric employee threshold (sole proprietors, partners, corporate officers, and LLC members are excludable but may opt in)
- Agency administering workers' compensation testedNorth Dakota Workforce Safety & Insurance (WSI) — the SOLE provider and administrator of workers' compensation in the state
- Temporary total disability wage replacement rate testedTwo-thirds (66 2/3%) of the pre-injury gross weekly wage (plus up to $15/week per dependent child), payable after 5 consecutive days off work, subject to the statewide maximum
- Maximum TTD duration testedTemporary total disability is paid during the disability until return to work or maximum medical improvement (no fixed statutory week-cap for TTD); temporary PARTIAL disability is capped at 5 years
- Deadline to file a claim tested1
- Ways an employer may comply (insure / self-insure / group) testedONLY through WSI — North Dakota law does not allow private insurers to write workers' compensation, and private employers cannot self-insure. An employer secures coverage solely by opening a WSI account.
Regulator 9 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe North Dakota Insurance Department
- Title of the person who heads it testedCommissioner of Insurance
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedELECTED by the people of North Dakota to a 4-year term (a constitutional executive-branch office) — not appointed
- Where the state's insurance law is codified testedTitle 26.1 of the North Dakota Century Code (Insurance), with rules in Title 45 of the North Dakota Administrative Code; producer licensing is in Chapter 26.1-26
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedNo — the Insurance Department is a standalone department; what is unusual is that its Commissioner is a statewide ELECTED constitutional officer (and, since 2025, the Department also oversees securities)
- Rebating and the gift allowance testedNorth Dakota permits gifts to insureds and prospects, and to their spouses, if the aggregate retail value does not exceed $100 PER PERSON PER YEAR. Cash, cash cards and premium discounts are excluded from the allowance
- Appointment filing, and whose job it is testedThe APPOINTING INSURER files the notice of appointment — not the producer — within 30 days from the later of the date the agency contract is executed or the first insurance application is submitted
- Reporting actions and address changes tested30 days for both, from different events: an administrative action in another jurisdiction within 30 days of its FINAL DISPOSITION, and a criminal CONVICTION within 30 days after the conviction. A change of address is also 30 days, and must be filed separately from any application or appointment form
- North Dakota-specific producer conduct rules testedTwo North Dakota rules with no national counterpart: a producer may not borrow money from a client, and may not knowingly write excessive or unnecessary coverage. The statutory backstop for handling money is the misappropriation ground — improperly withholding, misappropriating or converting funds belonging to policyholders, insurers or beneficiaries
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 — the cancellation-restriction rules do not apply to a personal auto policy in effect less than 60 days (unless it is a renewal), so an insurer may cancel more freely during the first 60 days
- Notice days to cancel a homeowners policy inside the initial window testedHomeowners and fire DO have their own statute — it is NDCC chapter 26.1-39, not the auto chapter. Cancellation takes 10 days' notice for nonpayment and 30 days for any other permitted reason, with a 5-day notice available for specified hazardous conditions
- Notice days to cancel a personal auto policy inside the initial window testedAt least 20 days' written notice to cancel a personal auto policy for a permitted ground
- Notice days for cancellation for nonpayment tested10 days' notice for cancellation of a personal auto policy for nonpayment of premium
- Notice days for cancellation for other permitted causes testedAuto: 10 days for nonpayment, 20 days for any other permitted reason. Property and fire: 10 days for nonpayment, 30 days for any other reason. The nonpayment figure is the same; the other-cause figure is not
- Notice days required for nonrenewal testedTwo different numbers by line, and they are easy to swap: personal AUTO nonrenewal takes 30 days' written notice, while PROPERTY and fire nonrenewal takes 45 days — extended to 90 days for professional liability
- Must the reason be stated proactively, on request, or not at all? testedYes — a nonpayment cancellation must state the reason; other cancellation and nonrenewal notices must state the reason or advise that the insurer will provide it in writing on request
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) testedNorth Dakota lists prohibited grounds for declining or terminating auto coverage — race, religion, nationality or ethnicity, lawful occupation, location (absent a legitimate business purpose), age/sex/marital status alone, or the fact that another insurer declined or the insured used the residual market. There is no separate blanket ban on nonrenewal for claims.
Licensing 26 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a Life and Annuity exam and line of authority (North Dakota combines life and annuities into one Life line; there is no separate annuity-only license)
- Is there a standalone health license/exam? testedYes — a standalone Accident and Health exam and line of authority
- Is there a combined life+health license/exam? testedNo — North Dakota does NOT offer a combined Life & Health exam; Life and Annuity and Accident & Health are separate lines with separate exams
- Is there a personal lines license/exam? testedYes — a Personal Lines line (its own reduced-scope exam), covering property and casualty sold to individuals
- Is P&C one combined license, or split into Property and Casualty? testedSPLIT — Property and Casualty are separate lines with separate exams; North Dakota has no single combined Property & Casualty license. A narrower Personal Lines line is also offered.
- Does the life license cover annuities? testedYes — the Life line is 'Life and Annuity,' so FIXED annuities are included. VARIABLE life and annuities require the Life line plus a Variable line of authority and securities (FINRA) registration.
- Does the P&C license already include personal lines authority? testedYes — holding both the Property and Casualty lines covers personal-lines risks; standalone Personal Lines is a narrower, personal-only line
- Full list of exam-based agent license types testedNorth Dakota licenses each line separately: Life and Annuity · Accident and Health · Property · Casualty · Personal Lines — plus Crop, Bail Bonds, Consumer Credit, Legal Expense, Public Adjuster, Surplus Lines, and Variable (with securities registration)
- Exam administrator (Prometric / PSI / Pearson VUE) testedPSI Services administers North Dakota producer exams; PSI replaced Prometric in March 2022. Remote online proctored delivery was withdrawn effective April 24, 2026, leaving in-person testing only
- Exam fee tested$64 for a major-line exam (Life and Annuity, Accident and Health, Property, or Casualty); $58 for Personal Lines and other limited-line exams
- License application fee tested$100 for an initial insurance producer license
- Fee per insurer appointment tested$25 per insurer appointment (and per annual renewal), effective August 1, 2025
- Passing score tested70% — a raw percentage, not a scaled score. On the 110-item major-line exams that is 77 correct answers, which the bulletin prints alongside the percentage
- Minimum age to be licensed tested18 years of age
- Is pre-licensing education required? testedNO — North Dakota does not require pre-licensing education for any line; candidates may self-study and sit the exam directly
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone — North Dakota law does not require classroom instruction or any pre-licensing hours for any line; applicants self-study. (Title insurance instead requires abstracter/attorney status or 80 hours of insurer training — a qualification alternative, not pre-licensing CE.)
- Fingerprints, state police report, or none testedFingerprints for a state and national criminal history check through the ND Bureau of Criminal Investigation and the FBI, required only of INITIAL resident applicants — not for renewal and not for adding a line of authority. The submission is HARD-COPY: the Department states it does not accept digital fingerprints submitted electronically. PSI captures prints by LiveScan at its centers but then prints and mails the physical card
- Who takes the prints / issues the report testedTwo paths. At a PSI test center during testing hours, even on exam day: $29 to PSI plus a $40 check or money order payable to the North Dakota Attorney General, and PSI mails the consent form, card and payment to the Department. Or self-submit anywhere that rolls prints — two cards if inked, one if scanned — sealed and initialed by whoever took them, mailed with the $40 and the Criminal History Record Check Request form. The form's ORI field sits in an agency-completed block and is left blank on the versions published online, so do not rely on a circulating ORI number
- How long the background report stays valid testedA one-time requirement at initial licensure; no recurring re-print is required (no stated 'valid-for' period)
- Deadline to apply after passing the exam testedApply within 1 year of the exam — the passing score is valid for one year for an applicant not yet licensed
- How long a passed exam remains valid testedA passing exam score is valid for 1 year (and remains valid while a license is continuously held, plus 12 months after cancellation)
- Waiting period before retaking a failed exam testedUnlimited retakes — you cannot rebook the same day as a failed attempt, but may retest as soon as the next available session
- Notice required to reschedule/cancel without forfeiting the fee testedCancel or reschedule so notice is received at least 2 days before the exam to avoid forfeiting the fee (voicemail and email are not accepted)
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com) for electronic filing; the paper NAIC Uniform Application is also accepted by mail
- Are temporary licenses available? testedYes — a temporary producer license may be issued (with a written statement of reasons); it is not granted merely because an applicant failed the exam and wants to sell in the interim
- Temporary license duration and training requirement testedIssued for defined servicing situations under N.D.C.C. 26.1-26-15; the application must include a written statement of the reasons. (Exact duration is set by that statute.)