New York Life & Health Insurance Exam — Practice Test & Study Guide
Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.
Exam content outline
From the official NY DFS L&H content outline. Mock exams sample at these weights.
| Section | Weight | ≈ Questions |
|---|---|---|
| National-LH-I Life Policy Types | 15% | 15 |
| National-LH-II Life Policy Riders, Provisions, Options, Exclusions | 15% | 15 |
| National-LH-III Application, Underwriting, Delivery | 12% | 12 |
| National-LH-IV Retirement & Other Insurance Concepts | 8% | 8 |
| National-LH-V Health Policy Types | 16% | 16 |
| National-LH-VI Health Policy Provisions, Clauses, Riders | 15% | 15 |
| National-LH-VII Social Insurance | 6% | 6 |
| National-LH-VIII Other Health Insurance Concepts | 5% | 5 |
| National-LH-IX Field Underwriting Procedures | 8% | 8 |
Sample questions
Items from our L&H bank, aligned to the NY NY DFS outline — see the difficulty and explanation depth.
Under NY Insurance Law § 3205, when must insurable interest exist for a life insurance policy procured by one person on the life of another?
NY requires insurable interest at policy inception, not at death.
Under NY Insurance Law § 1505, what is a domestic insurer that is a member of a holding company system generally required to do before entering into a material transaction with an affiliate?
§ 1505 requires prior notice to the DFS Superintendent for material affiliate transactions.
The Quick Disability Determination (QDD) process at SSA is designed to:
QDD uses a predictive computer model to flag likely-allowance claims for fast DDS handling, separate from the condition-based CAL list.
A 30-year decreasing term policy is sold as mortgage protection on a 30-year amortizing home loan. Across the policy's life, the:
Decreasing term: level premium, declining death benefit tracking mortgage amortization. Premium is flat throughout.
Under COBRA (29 USC §1162(2)), what is the maximum continuation period for a qualified beneficiary whose qualifying event is the death of the covered employee?
Death of the covered employee is a 36-month qualifying event for spouse/dependents.
New York state law module
State-specific laws and regulations make up 10–20% of the NY L&H exam. Our markdown-based state-law module walks through what NY DFS actually tests.
Read NY L&H state lawNew York L&H Exam FAQ
How long is the NY L&H exam?
New York Department of Financial Services allows 150 minutes for the New York Life & Health exam, and the passing score is 70%. The state does not publish a scored-question count. Our mock exam runs 100 questions in 120 minutes.
What's the passing score for NY L&H?
70% is the passing score in New York, calculated against the scored question count. NY DFS reports results immediately at the test center.
How long should I study for the NY L&H exam?
Most L&H candidates spend 40–80 hours over 3–6 weeks. Start with the free diagnostic — it’ll tell you which sections to focus on instead of cramming the whole outline evenly.
Where do I take the New York L&H exam?
NY DFS contracts with major proctored-exam vendors. Check the New York Department of Financial Services website for an up-to-date list of test centers in New York.
Are these practice questions matched to the NY outline?
Yes — we follow the NY DFS content outline section by section, and our NY L&H bank includes 235 state-tagged items alongside the national NAIC content. Mock exams are composed from real section weights, not a generic question dump.
How much does EstatePass cost? Do I need a separate plan for L&H?
No — one EstatePass Pro plan covers Real Estate, Insurance License (L&H / P&C / Personal Lines), MLO, and Contractor exam prep. Free tier includes 20 practice answers/day and the diagnostic. Pro is $9.99/mo, $19.99/quarter, or $39.99 Lifetime — unlimited practice, mock exams, AI tier-3 explanations, and every channel.