New Hampshire Insurance License
The New Hampshire insurance license exam, in plain numbers.
Everything below is specific to New Hampshire — 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 New Hampshire
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 150 | 105 | 70% | 45 |
| Life only | 100 | 70 | 70% | 30 |
Administered by the New Hampshire Insurance Department testing vendor for the New Hampshire Insurance Department. Time limit: 2 hours 30 minutes. Roughly 25 of the scored questions (17%) come from New Hampshire law — the block national courses cover most lightly.
Prelicensing
NOT required. New Hampshire does not require prelicensing education to sit for the insurance exam, though a prep course is strongly recommended given the exam's difficulty.
Continuing education
Governed by RSA 402-J:7-a, with the ethics component at N.H. Admin. Rules Ins 1302.03(f). ALL resident licensees who passed the New Hampshire exam are EXEMPT from continuing education for their FIRST license renewal. Nonresident producers need no New Hampshire CE if in good standing in their home state.
License term
2 years
Regulator
The New Hampshire Insurance Department oversees licensing, headed by a Commissioner leading the New Hampshire Insurance Department.
New Hampshire Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to New Hampshire policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for New Hampshire, 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.
New Hampshire insurance exam questions, answered
How many questions are on the New Hampshire insurance license exam?
The combined life and health exam has 150 scored questions. You need 105 correct to pass at 70%, which means you can miss 45.
What is the passing score for the New Hampshire insurance exam?
70%. That works out to 105 correct answers out of 150 scored questions.
Who administers the New Hampshire insurance license exam?
the New Hampshire Insurance Department testing vendor, on behalf of the New Hampshire Insurance Department.
Does New Hampshire require prelicensing education?
NOT required. New Hampshire does not require prelicensing education to sit for the insurance exam, though a prep course is strongly recommended given the exam's difficulty.
How much continuing education does New Hampshire require?
Governed by RSA 402-J:7-a, with the ethics component at N.H. Admin. Rules Ins 1302.03(f). ALL resident licensees who passed the New Hampshire exam are EXEMPT from continuing education for their FIRST license renewal. Nonresident producers need no New Hampshire CE if in good standing in their home state.
Is there a New Hampshire life-only or health-only exam?
Yes. Life only is 100 scored questions, 70 to pass.
How much does a New Hampshire 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 New Hampshire Insurance Department.