Sen Lin, PrepPass Founder · Verified against New Hampshire Insurance Department (NHID) · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)
Free · printable · one page
New Hampshire Life & Health Insurance Exam Cram Sheet (2026)
The highest-yield points on the New Hampshire Life & Health Insuranceexam, grouped by the exam's real content areas. Print it, review the ones you keep missing, then drill them with free practice questions.
70%to pass
13content areas
General Insurance Concepts
10% of the exam- Risk, Peril, and Hazard
- The Law of Large Numbers and Adverse Selection
- Insurable Interest and Legal Contract Elements
- Special Features of Insurance Contracts
- Producers, Agency, and Underwriting Basics
Life Insurance Basics
12% of the exam- The Purpose of Life Insurance and Needs Analysis
- Term Insurance: Temporary Protection
- Whole Life: Permanent Protection with Guarantees
- Universal Life: Flexible Permanent Protection
Life Insurance Policies
13% of the exam- Types of Term Insurance
- Variations of Whole Life
- Universal Life Death Benefit Options
- Variable and Variable Universal Life
Life Policy Provisions, Riders, Options & Exclusions
12% of the exam- Standard Policy Provisions
- Nonforfeiture and Dividend Options
- Settlement Options and Beneficiaries
- Common Riders
- Exclusions and Limitations
Annuities
10% of the exam- How Annuities Work: Two Phases
- Classifying Annuities: Funding and Timing
- Fixed, Variable, and Indexed Annuities
- Payout Options and Uses
Life & Annuity Taxation and Uses
8% of the exam- Taxation of Life Insurance
- Taxation of Annuities
- Qualified Plans and Business Uses
Health Insurance Basics
10% of the exam- What Health Insurance Covers and Morbidity
- Cost-Sharing: Deductibles, Coinsurance, Copays, and Stop-Loss
- Disability Income Fundamentals
Health Policies
13% of the exam- Medical Expense Plans and Managed Care
- Disability Income Policies
- Long-Term Care Insurance
- Supplemental and Limited Coverage
Health Policy Provisions, Clauses & Riders
7% of the exam- Mandatory Uniform Provisions
- Optional Provisions and Key Clauses
- Riders and Renewability
Group Insurance, Social Insurance & Senior Products
5% of the exam- Group Insurance Principles
- Social Insurance: Social Security, Medicare, and Medicaid
- Senior Products: Medicare Supplements and LTC
New Hampshire Producer Licensing
40% of the exam- The State Insurance Regulator and Its Authority
- Resident Producer License and Lines of Authority
- Appointments and Renewal
New Hampshire Insurance Law & Code
35% of the exam- Required Policyholder Protections
- The Guaranty Association and Insurer Solvency
- Unfair Trade Practices and Claims Handling
New Hampshire Marketing Rules, Ethics & Unfair Practices
25% of the exam- Rebating, Twisting, and Churning
- Misrepresentation and Advertising Standards
- Fiduciary Duty and Handling Client Funds
Now prove you know them
Reading the outline is not the same as recalling it under exam pressure. Drill 40+ free New Hampshire Life & Health Insurance practice questions to find your weak areas, then sit a full timed mock — no signup, no paywall.
Study aid, not a substitute for the official material — always confirm the current rule with New Hampshire Insurance Department (NHID). Last verified: August 2026.