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The New York Life, Accident & Health Insurance Exam is the licensing test for anyone seeking to sell, solicit, or negotiate life or accident & health insurance in New York. Administered by PSI on behalf of the New York Department of Financial Services (DFS), the exam is a computer-based, closed-book multiple-choice test that covers general insurance principles, life insurance policies and annuities, accident & health policies, and New York Insurance Law and Regulations. Candidates must complete a 40-hour life pre-licensing course and a 40-hour accident & health pre-licensing course (or an 80-hour combined course) at a DFS-approved provider before scheduling.
The NY Life, Accident & Health exam evaluates your knowledge across these areas:
Term, whole, universal, variable and group life policies plus riders and policy provisions.
Fixed, variable, deferred and immediate annuities, plus suitability and replacement rules.
Major medical, disability income, long-term care, Medicare supplement and group health.
NY Insurance Law, DFS Regulations, Regulation 60 replacement rules, and producer ethics.
Our question bank is built to help you master New York's life, accident & health content and Insurance Law with targeted practice and clear explanations.
Questions structured like the real NY Life A&H exam, including the multiple-choice style you'll see on test day.
Know not just the right answer but why the others are wrong - so every question teaches you something.
Every domain on the PSI content outline for the NY Life A&H exam is represented across the question sets.
Build the confidence you need to walk into test day calm and prepared.
Assess your knowledge and experience the NY Life A&H exam format before taking the actual test.
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Mix practice questions into your study from day one to find the topics that need more attention.
Revisit questions you have seen before. Spaced review locks in long-term retention.
When ready, attempt a full set in one timed sitting to build the stamina you need on test day.
Use the explanations to understand each mistake and concentrate on the weak spots.
The PSI-administered exam covers general insurance principles, life insurance and annuities, accident & health policy types, and New York Insurance Law, DFS Regulations and Regulation 60 replacement procedures.
Anyone seeking a New York life and/or accident & health producer license. You must complete the required 40-hour life and 40-hour accident & health pre-licensing courses (or the 80-hour combined course) at a DFS-approved provider.
Solidify policy types and annuities first, then focus on New York-specific rules - Insurance Law, DFS Regulations, Regulation 60 replacement requirements and free-look provisions. Our question bank gives you realistic practice with detailed explanations so you can spot weak areas before test day.
Passing the New York Life, Accident & Health Insurance Exam is your gateway to selling life insurance, annuities, and health insurance products in New York. With solid scores across product types and New York Insurance Law, you demonstrate that you understand both the products you sell and the regulations that protect New York consumers.
If this exam is giving you a hard time, let us be your helping hand. Contact us, and we'll provide the assistance you need to pass and move forward.
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