Minnesota Insurance License
The Minnesota insurance license exam, in plain numbers.
Everything below is specific to Minnesota — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Minnesota
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 135 | 95 | 70% | 40 |
Administered by PSI Services for the Minnesota Department of Commerce. Time limit: 180 minutes. Roughly 30 of the scored questions (40%) come from Minnesota law — the block national courses cover most lightly.
Prelicensing
20 hours of prelicense education per line of authority under Minn. Stat. 60K.36, so roughly 40 hours for a combined license. The certification exam must be MONITORED BY A DISINTERESTED THIRD PARTY, and you must present a printed Certificate of Completion to be admitted to the state exam. Minnesota prelicensing certificates do not expire.
Continuing education
24 hours every two years including 3 hours of ethics, under Minn. Stat. 60K.56. Renewal falls on the last day of the birth month, biennially, and a first renewal lands between 12 and 24 months after initial licensure.
License term
2 years, on the last day of the birth month
Regulator
The Minnesota Department of Commerce oversees licensing, headed by a Commissioner of Commerce leading a department covering commerce broadly, not insurance alone.
Minnesota Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Minnesota policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $500,000 |
| Life insurance cash surrender value | $130,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $500,000 |
| Other health insurance benefits | $500,000 |
| Annuity benefits (present value) | $410,000 |
The Study Guide
Written for Minnesota, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Minnesota insurance exam questions, answered
How many questions are on the Minnesota insurance license exam?
The combined life and health exam has 135 scored questions. You need 95 correct to pass at 70%, which means you can miss 40.
What is the passing score for the Minnesota insurance exam?
70%. That works out to 95 correct answers out of 135 scored questions.
Who administers the Minnesota insurance license exam?
PSI Services, on behalf of the Minnesota Department of Commerce.
Does Minnesota require prelicensing education?
20 hours of prelicense education per line of authority under Minn. Stat. 60K.36, so roughly 40 hours for a combined license. The certification exam must be MONITORED BY A DISINTERESTED THIRD PARTY, and you must present a printed Certificate of Completion to be admitted to the state exam. Minnesota prelicensing certificates do not expire.
How much continuing education does Minnesota require?
24 hours every two years including 3 hours of ethics, under Minn. Stat. 60K.56. Renewal falls on the last day of the birth month, biennially, and a first renewal lands between 12 and 24 months after initial licensure.
Is there a Minnesota life-only or health-only exam?
No. Minnesota tests life and health together as one combined exam, so there is no single-line edition.
How much does a Minnesota study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Minnesota Department of Commerce.