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What Do New York Insurance Agents Do?

What Does A New York Life And Health Agent Do?

A Life And Health (L&H) Insurance Agent (in some states, also known as "Life, Health, And Accident) sells Life, Disability, Long Term Care, Medicare, and other policies to groups and individuals. As a Life & Health Agent, you advise clients on what policies best suit their needs, tailor policies to fit their requirements, and help customers when they have questions or file a claim.

What Does A New York Property And Casualty Agent Do?

A Property And Casualty (P&C) Insurance Agent sells policies on homes, apartments, vehicles, and other items that cover liability for property damage or injuries to visitors injured on your property. As a P&C Agent, you advise clients on what policies best suit their needs, tailor policies to fit their requirements, and help customers when they file a claim.

What Does A New York Insurance Adjuster Do?

An Adjuster inspects property damage or personal injury claims to determine how much the insurance company should pay for the loss. They might inspect a home, a business, or a vehicle, then analyze the situation, talk to witnesses, do research and otherwise investigate to make sure the claim is legitimate and the claimant gets a settlement that is fair based on the parameters of their policy.

What Are The Requirements For Becoming An Insurance Agent?

Generally speaking, to become a licensed insurance agent in your state you must first meet any state requirements such as age, passing a background check, etc. You then must take any state-required pre-licensing courses and pass your state's licensing exam to be licensed and able to sell insurance in your state. Click any of the icons above to learn about the requirements for your state.

How To Get Your Insurance License In New York

Steps For Passing Your New York State Insurance Exam On The First Try

Step 1. Purchase Your Pre-License Education Course
Before attempting to take the insurance license exam you'll need to be sure you're well prepared. Since there is a fee for every attempt at the test, and the national first-time pass rate is between 50%-60%, it is not something to take lightly.

What we have found is that the majority of the non-pass attempts are people who come to the exam having studied for less than one hour. Once they take the exam and realize that most of the questions can't be answered with common knowledge, they go back and purchase real study materials, then go back a second time and pass.

Since we want you to pass the first time you take the exam, we recommend that you take your studies seriously, and either take an online course or get a textbook before attempting the test. Insurance license exam fees aren't cheap, so save yourself some time and money by doing it right the first time.

Step 2. Take Multiple Insurance License Sample Practice Exams
The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each line of insurance you wish to carry. To ensure you pass your exam to become a licensed Pennsylvania Insurance Agent, your best approach is to take as many practice exams as possible. With the sample practice questions that come with our Pennsylvania pre-licening courses, you will be able to build customized exams based on difficulty, length, and topic of your choice, as well as create online personal notes and bookmarks.

What Is On The New York Life & Health Insurance Licensing Exam?

New York state law requires a forty-hour pre-licensing course for the Life and Health insurance agent license. Here are the key items on the exam:

• Life Insurance Basics
• Life Insurance Policies
• Life Insurance Policy Provisions, Options and Riders
• Annuities
• Qualified Plans
• Life Settlement
• Accident and Health Insurance Basics
• Individual Health Insurance Policy General Provisions
• Disability Income and Related Insurance
• Medical Plans
• Long-term Care (LTC) Insurance
• Group Health and Blanket Insurance
• Government Health Insurance Plans
• Private Insurance for Senior Citizens and Special Needs Individuals
• Insurance Regulation

Contact Info: New York Insurance Licensing Requirements

To help with your examination scheduling, we have provided below information on New York licensing requirements, its insurance department, and examination scheduling facilities.

New York State Department of Financial Services
Address: One State Street | New York, NY 10004-1511
Phone: 518.474.6600
Email: licensing@dfs.ny.gov
Website: https://www.dfs.ny.gov/apps_and_licensing/agents_and_brokers/home

Examination Scheduling
Provider: Prometric
Phone: 212-480-6400
Website: Prometric.comGood luck passing your New York P&C insurance licensing exam!

Other Insurance Licensing Courses For New York:

• Life And Health Insurance Licensing
• Property & Casualty Insurance Licensing
• Adjuster Licensing
• How To Earn An Insurance License And Become An Insurance Agent

Disclaimer

This information is based on state laws and regulations, and is subject to change. ABTrainingCenter makes every effort to make sure this information is current and accurate, however, ABTrainingCenter is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.