New Hampshire life line
The New Hampshire life insurance exam.
The New Hampshire life insurance exam is 100 scored questions, in 120 minutes, $59 per attempt, administered by PSI Exams. We sell study materials and practice exams for it, written from the official New Hampshire outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | New Hampshire Producer's Life Insurance, Series 12-61 |
| Scored questions | 100 |
| Pretest questions | not published |
| Time limit | 120 minutes |
| Passing score | not published as a number |
| Exam fee | $59 |
| Testing vendor | PSI Exams |
| Retake rules | You cannot rebook on the day you fail. If you fail on a Wednesday, you can call Thursday and retest as soon as Friday, if a seat is open. The exam fee is not refundable and stays valid for one year. |
| Prelicensing education | not required for the life line |
Checked against PSI Exams' official materials. Specs change, so confirm them when you register.
How to get your New Hampshire life insurance license
- 1
Meet the basics
New Hampshire sets its own age, background check and application rules. The New Hampshire insurance department lists them, so read them before you book.
- 2
Study the exam outline
New Hampshire does not require prelicensing education for the life line, so your preparation is the whole game. Study the official outline below and drill practice questions until every section holds.
- 3
Book the exam with PSI Exams
Register at PSI Exams, pick a test center or online proctoring where offered, and pay the $59 exam fee.
- 4
Pass the exam
Walk in knowing the format, 100 scored questions in 120 minutes. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the New Hampshire exam covers
From the official exam outline, each section's share of the exam and how many of the 100 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Insurance Regulation | 12 percent | 12 questions |
| Federal Laws and Regulations | 3 percent | 3 questions |
| General Insurance Concepts | 12 percent | 12 questions |
| Life Insurance Basics | 17 percent | 17 questions |
| Types of Life Insurance Policies | 16 percent | 16 questions |
| Life Insurance Policy Provisions, Options, and Riders | 24 percent | 24 questions |
| Annuities | 11 percent | 11 questions |
| Federal Tax Considerations for Life Insurance | 5 percent | 5 questions |
Free New Hampshire practice questions
Original questions written to the New Hampshire outline, the same bank our students drill. Tap a question to check the answer.
Question 1Maria wants to sell both life insurance and health insurance in New Hampshire, so what must her producer license reflect?
- A. The specific lines of authority for both life and health
- B. A single blanket license covering all insurance
- C. Only a life line because health is automatically included
- D. A separate consultant credential for health
Show the answer
Answer: A
A producer license lists the specific lines of authority a person is qualified for, so Maria must be licensed for both the life line and the accident and health line. There is no single blanket license covering everything. Health authority is not automatically included with life; each line must be qualified for separately. A consultant credential is a different license type and is not required to sell health insurance.
Question 2What is a cease and desist order used for when issued by the New Hampshire insurance commissioner?
- A. To increase the commission rate paid to a producer
- B. To transfer a producer's clients to another agency
- C. To automatically renew a producer's license for another term
- D. To require a producer to stop a specific act or practice the commissioner finds unlawful
Show the answer
Answer: D
A cease and desist order is a formal directive telling a person to stop conduct the commissioner believes violates insurance law. It is not a renewal tool, it does not move clients, and it has nothing to do with commission rates, which are business matters between insurers and producers.
Question 3Tom disagrees with a final order the New Hampshire Insurance Commissioner issued against him after a hearing. What is his usual next step?
- A. Do nothing because the order is unappealable
- B. Seek judicial review of the order in court
- C. Reapply for a new license the next day
- D. File a complaint with the NAIC
Show the answer
Answer: B
A person aggrieved by a final order of the Commissioner may seek review in the courts. The NAIC does not hear appeals of state orders. Simply reapplying does not overturn an existing order and would not be granted while the order stands. Commissioner orders are not unappealable; judicial review is available.
Question 4What does it mean for an insurer to appoint a producer in New Hampshire?
- A. The producer becomes a salaried employee of the insurer
- B. The producer agrees to buy stock in the insurer
- C. The producer is licensed to sell in every other state
- D. The insurer authorizes the producer to sell and service its policies
Show the answer
Answer: D
An appointment is the insurer's formal authorization allowing a licensed producer to represent that company and place its business. Buying stock has nothing to do with appointment. An appointed producer is usually an independent representative, not automatically an employee. An appointment does not grant licensing in other states; licensing is a separate step handled state by state.
Question 5A producer performs acts of insurance in New Hampshire without ever obtaining a license. This conduct is best described as which of the following?
- A. A minor recordkeeping error
- B. Allowed during a probationary period
- C. Acting without a license, a prohibited act subject to penalties
- D. Permissible if supervised by a licensed producer
Show the answer
Answer: C
Selling, soliciting, or negotiating insurance without a license is a prohibited act that can bring civil penalties and other enforcement. It is not a minor recordkeeping matter. Supervision by a licensee does not cure the lack of a license for someone doing acts of insurance. There is no probationary window that lets an unlicensed person transact insurance.
Take the free New Hampshire practice test, every question with the answer and the explanation
New Hampshire exam FAQs
How many questions are on the New Hampshire life insurance exam?
100 scored questions, with 120 minutes on the clock.
What score passes the New Hampshire exam?
New Hampshire does not publish a numeric passing score. Your score report tells you whether you passed.
How much does the New Hampshire life insurance exam cost?
The exam fee is $59 per attempt, paid to PSI Exams. Licensing application and fingerprint fees are separate.
What happens if I fail the New Hampshire exam?
You cannot rebook on the day you fail. If you fail on a Wednesday, you can call Thursday and retest as soon as Friday, if a seat is open. The exam fee is not refundable and stays valid for one year. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does New Hampshire require prelicensing education before the exam?
No. New Hampshire does not require prelicensing education for the life line, which means how you study is up to you and practice exams carry more of the load.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the New Hampshire exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (100 questions, 120 minutes), and a mastery map that shows what to study next.