How hard is the New York Life & Health Insurance exam?
The New York Life & Health Insurance exam is a serious, studiable test — its difficulty comes less from any single hard idea than from the breadth of material across 13 weighted content areas. You must score 70%, which leaves little room for guessing. Candidates who drill real practice questions by topic until they consistently clear the passing mark usually pass on the first try — PrepPass has 40+ free New York Life & Health Insurance practice questions with explanations.
The New York Life & Health Insurance exam at a glance
The 13 content areas on the New York Life & Health Insurance exam
The exam is built from weighted content areas — focus your study time where the weight is. Weights reflect the official content outline.
How the New York Life & Health Insurance exam is administered
New York State Department of Financial Services oversees licensing. The exam is delivered by PSI. Prelicensing education: 40 hours (combined life, accident & health) or 20 hours per single line. Confirm the current details with the official authority before you rely on them.
How to make the New York Life & Health Insurance exam easier
The single best predictor of passing is practicing real questions until you consistently clear the passing mark. PrepPass has 40+ free New York Life & Health Insurance practice questions with answer explanations and a full timed mock exam — no signup required.
Wondering about pass rates and what happens if you don't pass the first time?
See New York Life & Health Insurancepass rate & retake rules →Frequently asked questions
What score do you need to pass the New York Life & Health Insurance exam?+
You need to score 70% on the New York Life & Health Insurance exam.
Who regulates life & health insurance licensing in New York?+
The New York State Department of Financial Services (DFS) licenses life, accident & health agents and brokers. DFS uses PSI to administer the licensing examinations.
Does New York require prelicensing education for the life & health exam?+
Yes. New York requires a Department-approved prelicensing course of at least 40 hours for the combined life, accident & health authority, or 20 hours for a single line.
How many exams does New York offer for life & health?+
New York does not use one combined 'Life & Health' exam by default; most candidates take the combined 17-55 exam, while separate life-only and accident & health-only exams also exist. A score of at least 70% is required to pass, and the exam must be passed within two years of applying.
How should I study for the New York Life & Health Insurance exam?+
Focus your time on the heaviest content areas, then drill practice questions by topic until you consistently clear the passing mark. PrepPass has 40+ free New York Life & Health Insurance practice questions with full explanations and a timed mock exam.
Exam details verified against the official authority:
New York Department of Financial Services →https://www.dfs.ny.gov/apps_and_licensing/agents_and_brokers/lic_app_la_lb →https://www.psiexams.com/ →Last updated: August 2026