North Dakota life line
The North Dakota life insurance exam.
The North Dakota life insurance exam is 110 scored questions, about 10 unscored pretest questions, in 150 minutes, passing at 70 percent, $67 per attempt, administered by PSI Exams. We sell study materials and practice exams for it, written from the official North Dakota outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | North Dakota Life Examination |
| Scored questions | 110 |
| Pretest questions | about 10 (unscored) |
| Time limit | 150 minutes |
| Passing score | 70 percent |
| Exam fee | $67 |
| Testing vendor | PSI Exams |
| Retake rules | There is no waiting period. You cannot retest on the day you fail while results process, but you can retest on the next available day, and retakes are unlimited. |
| 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 North Dakota life insurance license
- 1
Meet the basics
North Dakota sets its own age, background check and application rules. The North Dakota insurance department lists them, so read them before you book.
- 2
Study the exam outline
North Dakota 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 $67 exam fee.
- 4
Pass the exam
Walk in knowing the format, 110 scored questions in 150 minutes, passing at 70 percent. 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 North Dakota exam covers
From the official exam outline, each section's share of the exam and how many of the 110 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Insurance Regulation | 11 percent | 12 questions |
| North Dakota Laws and Regulations Pertaining to Life Insurance and Annuities | 25 percent | 28 questions |
| Federal Laws and Regulations | 3 percent | 3 questions |
| General Insurance Concepts | 7 percent | 8 questions |
| Life Insurance Basics | 12 percent | 13 questions |
| Types of Life Insurance Policies | 13 percent | 14 questions |
| Life Insurance Policy Provisions, Options, and Riders | 18 percent | 20 questions |
| Annuities | 7 percent | 8 questions |
| Federal Tax Considerations for Life Insurance | 4 percent | 4 questions |
Free North Dakota practice questions
Original questions written to the North Dakota outline, the same bank our students drill. Tap a question to check the answer.
Question 1Which of the following best describes a nonresident producer license in North Dakota?
- A. A temporary license issued after a producer dies
- B. A license for a producer whose home state is elsewhere but who wants to do business in North Dakota
- C. A license limited to selling only annuities
- D. A license for someone who sells only to family members
Show the answer
Answer: B
A nonresident license lets a producer already licensed in a different home state also transact business in North Dakota. Selling only to family members is not a license type. A temporary license issued after a producer dies describes something different and is not the definition of nonresident. A license limited to annuities describes a line of authority, not resident status.
NDCC 26.1-26 (nonresident licensing)
Question 2What is the main purpose of the North Dakota Life and Health Insurance Guaranty Association?
- A. To protect policyholders when a member insurer becomes insolvent
- B. To license life insurance producers in the state
- C. To guarantee investment returns on annuities
- D. To set premium rates for life insurance companies
Show the answer
Answer: A
The guaranty association protects policyholders and beneficiaries when a member insurer becomes financially unable to meet its obligations. It does not guarantee investment performance or gains. Licensing producers is the job of the insurance commissioner, not the association. Rate setting is a company and regulatory function, not a guaranty association role.
Question 3Which situation would most likely LACK an insurable interest at the time of application?
- A. A stranger trying to insure the life of a wealthy person she just read about
- B. A wife insuring her husband
- C. A creditor insuring a debtor for the amount of the loan
- D. A business partner insuring a co-owner
Show the answer
Answer: A
A stranger has no financial or emotional stake in the life of an unknown wealthy person, so no insurable interest exists; this would be a prohibited wager. A wife has a presumed interest in her husband. A creditor has an interest in a debtor up to the debt owed. A business partner has an interest in a co-owner. Only the stranger fails.
Question 4A person is generally presumed to have an insurable interest in which of the following?
- A. A famous athlete they admire
- B. A neighbor they have never met
- C. Their own life
- D. Any stranger on the street
Show the answer
Answer: C
Every person is presumed to have an unlimited insurable interest in their own life. Admiration for a public figure does not create insurable interest. There must be a genuine relationship of financial dependence, love, affection, or business tie; a stranger or unknown neighbor does not qualify. Insuring a random stranger would be a prohibited wagering contract.
Question 5The North Dakota free look provision on an individual life policy allows the owner to do what?
- A. Return the policy within the stated period for a full premium refund
- B. Cancel any time in the first year for a partial refund
- C. Reject only the riders but keep the base policy
- D. Extend the payment due date once per year
Show the answer
Answer: A
The free look lets the owner examine the policy and return it within the stated period for a full refund of premium paid. The second choice is wrong because free look is a short window, not the whole first year, and gives a full refund. The third is wrong because the whole policy is returned. The fourth confuses free look with the grace period.
Take the free North Dakota practice test, every question with the answer and the explanation
North Dakota exam FAQs
How many questions are on the North Dakota life insurance exam?
110 scored questions, plus about 10 unscored pretest questions mixed in, with 150 minutes on the clock.
What score passes the North Dakota exam?
You need 70 percent to pass.
How much does the North Dakota life insurance exam cost?
The exam fee is $67 per attempt, paid to PSI Exams. Licensing application and fingerprint fees are separate.
What happens if I fail the North Dakota exam?
There is no waiting period. You cannot retest on the day you fail while results process, but you can retest on the next available day, and retakes are unlimited. 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 North Dakota require prelicensing education before the exam?
No. North Dakota 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 North Dakota exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (110 questions, 150 minutes), and a mastery map that shows what to study next.