New York Life & Health Insurance License Class & Exam Prep
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How To Earn Your New York Life, Health, And Accident Insurance License
Good life and health insurance is incredibly important to New Yorkers. By earning a life and health insurance license in New York, you can become the source of a very desirable service. So if you are searching for training courses to earn your New York Life & Health insurance license, then you've come to the right place, as we offer pre-licensing courses, study guides, practice tests, and exam prep materials via live in-person classes and online training courses to help you earn your New York Life & Health insurance licenses.
New York is one of the most populous state in the US, so offers a large pool of potential clients. Specifically, the largest cities by population include New York City, Buffalo, Rochester, Syracuse, Albany, New Rochelle, Mount Vernon, and Schenectady, so these areas would be good ones in which to sell. But first, here is some background.
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. Ideally, the relationship with your clients will be a long-term one, so you should stay current on your customers' needs, including adding or lowering coverage levels as people age or acquire more wealth or have changing needs.
What Can You Do With A Life And Health License?Earning a life and health insurance license permits you to sell life and/or health insurance in the state(s) in which your are licensed (insurance licensing is state specific, so you generally need a license from each state for each type of insurance line you want to sell in that state).
What Are The Requirements For Becoming A Life and Health Insurance Agent?Licensing requirements vary from state to state, so ABTrainingCenter offers insurance pre-licensing courses for each state...and for most states we offer your choice of in-person, online, or self-study options.
In all cases, our programs typically contain not only great training material, but numerous practice exams to help you pass your Life & Health insurance license exam on the first try!
Here is just some of the exam prep materials that you receive:
- A downloadable textbook that includes information on New York insurance laws
- Class Notes and Audio Review
- OnDemand Online Video Review that can be viewed as frequently as you like
- Loads of practice exam questions
Below are links for our best-selling New York Life & Health insurance licensing courses, as well as information and links for you to read about specific requirements for earning your license.
Recommended Courses For New York Life, Health, And Accident Licensing
To find New York insurance licensing courses, study guides, practice exams, and exam prep materials, simply click on any of the recommended courses below or select your desired license type and your state from the "Licensing" section of the search box below. Good luck becoming a New York insurance agent!
Best-Selling Training Courses:
Instructor-Led: Webinars
Online Training Courses
Top FAQs
You must take your state-required pre-licensing course and pass your state's licensing exam. There also are base requirements such as a minimum age, passing a background check, etc.
Life And Health Insurance Agents sell Life, Disability, Long Term Care, Medicare, and other policies to groups and individuals. You'll advise clients on what policies best suit their needs, tailor policies to fit their requirements, and help customers when they have questions or need to change their coverages.
The Life and Health insurance exam encompasses the fundamentals of the various types of life insurance products, such as whole life, term life, universal life and annuities, as well as health insurance offerings such as PPOs, HMOs and Major Medical. You'll need to understand all the policy components, such as riders, exclusions, amendments and provisions and how they apply to real-world scenarios. Most states also include questions regarding state-specific insurance regulations as well as the ethics of selling insurance products to ensure that agents meet the clients' needs.
The exam will cover both a general section with basic insurance product knowledge and a state section with specific insurance laws, rules, regulations, and practices that are unique to New York.
The Life, Accident, and Health exam is One hundred fifty (150) questions long, and you have two hours and thirty minutes (2:30) to complete the test.
The National Association of Insurance Commissioners publishes data on pass rates by exam and by state showing a 60-70% pass rate for all exam takers, but with our courses over 90%!
The fee for each attempt of the exams is $33.
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How To Become A New York Life & Health Insurance Agent
Below is information on the licensing requirements for becoming a New York Life & Health Insurance Agent, its insurance department, test requirements, and examination scheduling facilities.
About The New York Life And Health Insurance Licensing ExamOnce you finish your pre-licensing course, put in the required number of hours and pass the certification exam, you will receive a certificate of completion. You must have this certificate to sit for the licensing exam.
Schedule your exam with PSI Testing Services by following the instructions online. On your test day, bring your completion certificate and two forms of valid, current I.D., including a photo I.D., to the testing location.
When your test is complete, your printed score report will let you know if you passed. Then, apply for your license at the Department of Insurance website. You will also need to get fingerprinted.
What Is On The Life and Health Insurance Exam?Since Life & Health licensing is state specific, your exam will include questions on your state's insurance regulations for the product(s) you want to sell. Your exam covers topics such as the following:
- Insurance regulations
- Life insurance basics
- Health insurance basics
- Disability insurance
- Group health insurance
- Policy Provisions
- Tax considerations for health insurance
- State regulations
Though requirements vary by state, you can expect somewhere in the range of 100 or more questions. You'll need a score of 70% or higher to pass.
Tips For Studying For Your Life And Health Insurance License ExamThe following tips for studying for your Life and Health Insurance License exam should help you pass your exam on the first try.
Step 1: Make A Commitment - And Stick To ItWhether you plan to study full- or part-time, start by taking a few minutes to plan how study process. Will you spend an hour every evening? Spend all day every Tuesday? Have a mentor work with you? Regardless of what you plan, make sure you stick to it.
Step 2: Develop A Study PlanOnce you commit to when and how long you will study, plan on
how to do it. Most students say they need 40 or more hours to feel prepared. Typically, they split the majority of their time between reading the textbooks or study materials and taking practice exams, so plan accordingly, but double-check your progress periodically and make adjustments as needed.
Step 3: Know The Format Of The ExamThe format of most state insurance exams is a timed, proctored, multiple choice test, typically consisting of 180 or more questions (the actual length and number of questions on your exam will depend on the state in which you are testing).
Step 4: Practice, Practice, And Practice Some More!Whether you take one of our in-person, online, or self-study pre-licensing courses, all come with many sample exam questions. You can even build customized exams based on difficulty, length, and topic of your choice. As you'd probably guess, we suggest you take as many of these sample exams as possible so that you are fully prepared to pass your exam on the first time.
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 ServicesAddress: One State Street | New York, NY 10004-1511
Phone: 518.474.6600
Website: https://www.dfs.ny.gov/apps_and_licensing/agents_and_brokers/homeExamination SchedulingProvider: PSI Testing
Phone: 800.733.9267
Website: https://candidate.psiexams.com/Good luck passing your New York Life & Health insurance licensing exam!
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DisclaimerThis 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.
