North Dakota Insurance License
The North Dakota insurance license exam, in plain numbers.
Everything below is specific to North Dakota — 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 North Dakota
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 100 | 70 | 70% | 30 |
Administered by PSI Services for the North Dakota Insurance Department. Time limit: 150 minutes. Roughly 25 of the scored questions (25%) come from North Dakota law — the block national courses cover most lightly.
Prelicensing
NOT required. North Dakota law no longer requires an individual to take prelicensing courses.
Continuing education
At least 24 credit hours of approved continuing education per biennial compliance period based on your expiration date, three of which must be in ethics. Applies to producers licensed for life and annuities, accident and health, casualty, property, personal lines and crop hail. Producers licensed ONLY for credit, surety, travel/baggage, title, bail bonds or legal expense are not required to complete CE, though the license must still be renewed every two years.
License term
2 years, expiring on the last day of the producer's birth month
Regulator
The North Dakota Insurance Department oversees licensing, headed by an elected Insurance Commissioner.
North Dakota Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to North Dakota 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 North Dakota, 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.
North Dakota insurance exam questions, answered
How many questions are on the North Dakota insurance license exam?
The combined life and health exam has 100 scored questions. You need 70 correct to pass at 70%, which means you can miss 30.
What is the passing score for the North Dakota insurance exam?
70%. That works out to 70 correct answers out of 100 scored questions.
Who administers the North Dakota insurance license exam?
PSI Services, on behalf of the North Dakota Insurance Department.
Does North Dakota require prelicensing education?
NOT required. North Dakota law no longer requires an individual to take prelicensing courses.
How much continuing education does North Dakota require?
At least 24 credit hours of approved continuing education per biennial compliance period based on your expiration date, three of which must be in ethics. Applies to producers licensed for life and annuities, accident and health, casualty, property, personal lines and crop hail. Producers licensed ONLY for credit, surety, travel/baggage, title, bail bonds or legal expense are not required to complete CE, though the license must still be renewed every two years.
Is there a North Dakota life-only or health-only exam?
No. North Dakota tests life and health together as one combined exam, so there is no single-line edition.
How much does a North Dakota 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 North Dakota Insurance Department.