New Hampshire Life and Health Insurance Exam

Life & Health Exam Need of a License: An individual who is acting as an agent or producer needs a license to sell life and health insurance in New Hampshire.

Who Grants a License: Licenses are granted by the New Hampshire Insurance Department.

Qualifications to receive a License: Individuals who wish to obtain an insurance license in the State of New Hampshire:
1. Be at least eighteen (18) years of age.
2. Be a resident of New Hampshire.
3. Pass the examination.
4. Apply for a license.
Applying for the Producer Exam:  Examinations are administered by the independent testing service, Prometric. Registration and examination information can be found in the New Hampshire Licensing Information Bulletin, which should be reviewed thoroughly prior to registering for the exam. To register and schedule an exam online: You may also register and schedule your examination by phone or fax. Please see the New Hampshire Licensing Information Bulletin for further details. Direct all questions and requests for information about exams to:

7941 Corporate Drive
Nottingham, MD 21236
Phone: 800.869.6603
Fax: 800.347.9242
TDD User: 800.790.3926

Test Information: Each exam will cover the New Hampshire statutes and general principles sections, as well as the specific content for each line. Be sure to review the appropriate exam content outline to determine what topics are covered in the comprehensive exams. At the end of your exam, your score will be shown on the screen and you will receive a printed score report. The report indicates your overall score and grade, including the numerical percentage of questions answered correctly and whether you passed or failed. The Prometric New Hampshire Insurance Exam Content Outlines contain specific content information beyond the following general outlines:
New Hampshire Producer's Examination for Life Insurance
Series 12-61 (100 questions – 2-hour time limit)
1.0 Insurance Regulation 12%
1.1 Licensing
1.2 State regulation
1.3 Federal regulation
2.0 General Insurance 8%
2.1 Concepts
2.2 Insurers
2.3 Producers and general rules of agency
2.4 Contracts
3.0 Life Insurance Basics 17%
3.1 Insurable interest
3.2 Personal uses of life insurance
3.3 Determining amount of personal life insurance
3.4 Business uses of life insurance
3.5 Classes of life insurance policies
3.6 Premiums
3.7 Producer responsibilities
3.8 Individual underwriting by the insurer
3.9 Life Settlements
4.0 Life Insurance Policies 10%
4.1 Term life insurance
4.2 Whole life insurance
4.3 Flexible premium policies
4.4 Specialized policies
4.5 Group life insurance
5.0 Life Insurance Policy Provisions, Options and Riders 20%
5.1 Standard provisions
5.2 Beneficiaries
5.3 Settlement options
5.4 Nonforfeiture options
5.5 Policy loan and withdrawal options
5.6 Dividend options
5.7 Disability riders
5.8 Accelerated (living) benefit provision/rider
5.9 Riders covering additional insureds
5.10 Riders affecting the death benefit amount
6.0 Annuities 18%
6.1 Annuity principles and concepts
6.2 Immediate versus deferred annuities
6.3 Annuity (benefit) payment options
6.4 Annuity products
6.5 Uses of annuities
6.6 Annuity Suitability
7.0 Federal Tax Considerations for Life Insurance and Annuities 13%
7.1 Taxation of personal life insurance
7.2 Modified endowment contracts (MECs)
7.3 Taxation of non-qualified annuities
7.4 Taxation of individual retirement annuities (IRAs)
7.5 Rollovers and transfers (IRAs and qualified plans)
7.6 Section 1035 exchanges – disclosure pros and cons
8.0 Qualified Plans 2%
8.1 General requirements
8.2 Federal tax considerations
8.3 Plan types, characteristics and purchasers 
New Hampshire Producer's Examination for Accident and Health Insurance  Series 12-62 (100 questions – Two hour time limit)
1.0 Insurance Regulation 16%
1.1 Licensing
1.2 State regulation
1.3 Federal regulation
2.0 General Insurance 13%
2.1 Concepts
2.2 Insurers
2.3 Producers and general rules of agency
2.4 Contracts
3.0 Health Insurance Basics 12%
3.1 Definitions of perils
3.2 Principal types of losses and benefits
3.3 Classes of health insurance policies
3.4 Limited policies
3.5 Common exclusions from coverage
3.6 Producer responsibilities in individual health insurance
3.7 Individual underwriting by the insurer
3.8 Considerations in replacing health insurance
3.9 New Hampshire mandated provisions
4.0 Individual Health Insurance Policy General Provisions 9%
4.1 Required provisions 
4.2 Other provisions
4.3 Other general provisions
5.0 Disability Income and Related Insurance 9%
5.1 Qualifying for disability benefits
5.2 Individual disability income insurance
5.3 Unique aspects of individual disability underwriting
5.4 Group disability income insurance
5.5 Business disability insurance
5.6 Social Security disability
5.7 Workers compensation
6.0 Medical Plans 8%
6.1 Medical plan concepts
6.2 Types of providers and plans
6.3 Cost containment in health care delivery
6.4 New Hampshire requirements (individual and group)
6.5 HIPAA (Health Insurance Portability and Accountability Act) requirements
6.6 Patient Protection and Affordable Care Act
7.0 Group Health Insurance 10%
7.1 Characteristics of group insurance
7.2 Types of eligible groups
7.3 Marketing considerations
7.4 Employer group health insurance
7.5 Small employer group medical plans
7.6 Regulation of employer group insurance
8.0 Dental Insurance 2%
8.1 Types of dental treatment
8.2 Indemnity plans
8.3 Employer group dental expense
9.0 Insurance for Senior Citizens and Special Needs Individuals 13%
9.1 Medicare
9.2 Medicare supplements
9.3 Other options for individuals with Medicare
9.4 Long-term care (LTC) insurance
10.0 Federal Tax Considerations for Health Insurance 8%
10.1 Personally-owned health insurance
10.2 Employer group health insurance
10.3 Medical expense coverage for sole proprietors and partners
10.4 Business disability insurance
How to Apply for the License: After successfully completing the appropriate qualifying exam, you must apply to the Department for a license. You may obtain a license application from the Producer/Adjuster section of the Department’s Web site at All applications are to be submitted electronically. To qualify as a New Hampshire resident insurance producer, you must submit your application online at

• Complete the NAIC Uniform Application.
• Original passing exam results must be on file.
• The appropriate licensing fee (see Department Web site for current fees).
Direct applications and questions about licensure to:
State of New Hampshire Insurance Department
License Division
21 South Fruit Street, Suite 14
Concord, NH 03301
Phone: 603.271.0203
Fax: 603.271.7029

License Renewal Requirements: Individual Producer licenses must be renewed every two years and there is a continuing education requirement.

Applicable Regulations: Life and health insurance agents in New Hampshire are regulated by the New Hampshire Insurance Department.

For more information on life and health insurance agent licensing and exam preparation, go to’s Life and Health Insurance Exam Guide.

And take’s free Life and Health Insurance Agent Practice Test.

For life and health insurance agent exam preparation products, such as study guides, flashcards and courses, go to’s Life and Health Insurance Sales Exam listings.