New York Insurance License Classes Online

Looking for an New York insurance school? XCEL is the nation’s leading online insurance license school. XCEL has you covered with high-quality New York insurance license courses, industry expertise and convenience. All of XCEL's New York courses are approved by the New York Department of Financial Services.
Online Course

New York Life and Health Pre-licensing

$199.00
Online Course

New York Life Pre-licensing

$199.00
Online Course

New York Health Pre-licensing

$199.00
Online Course

New York Property and Casualty Pre-licensing

$199.00

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New York State Insurance Licensing Requirements

HOW TO OBTAIN A NEW YORK INSURANCE PRODUCER LICENSE

Complete the prelicensing course.

  • Life Only – 20 hours
  • Accident & Health Only – 20 hours
  • Life, Accident and Health – 40 hours
  • Property and Casualty – 90 hours
  • Personal lines – 40 hours

Course requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
  • Assessments on key topics throughout the course and must be successfully passed with a minimum score of 70% before moving onto the next chapter.

Certificate Information:

To be eligible for a Certificate of completion, you must follow several steps:

  • Completion of the course, practice final exam and the Certification Exam.
  • Submit an electronic affidavit acknowledging you were actively engaged in one hundred percent of the course and your participation during the periods of perceived inactivity.
  • Download and Print certificate through the “Transcript” tile on the user dashboard.
  • The Certificate must be submitted to the Department with your license application and retained in your records.
  • Course completion rosters are reported to the state weekly.
  • Certificates are valid for a lifetime.

Schedule the New York State examination.

Online proctored exams:

  • You must check the compatibility of your computer before registering for the exam. https://syscheck.bridge.psiexams.com
  • If your computer is not compatible with the online software, you will need to schedule your examination at PSI test center.

Limitation on repeat examinations:

  • There are no limitations on retaking the exam.

Pass your state exam

  • Take advantage of the cram courses (Prep Review and Exam Simulator) within your prelicensing course during the waiting period.
    • Prep Review Course: This part of the training features content “boiled down to the essence” of the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind”.
    • On the day of testing, you must present one form of identification bearing your signature, one of which must be a valid government issued photo id

Schedule your Fingerprint appointment:

Apply for license

  • After passing the examination you must submit your license application to the Department https://www.dfs.ny.gov/apps_and_licensing/agents_and_brokers/home
  • Application fees: All licensing fees are non-refundable. A full fee is charged when a license is issued for a licensing period of more than one year; a half fee is charged when a license is issued for a period of one year or less.
    • For New York residents the full fee is $80, half fee is $40.

PSI Exam Outlines

DESCRIPTION Question Count % of Exam Questions
Life Health Life and

Health

Life Health Life and

Health

Life Insurance
Insurance Regulations 10 8 10 10% 8% 7%
General Insurance 10 6 6 10% 6% 4%
Life Insurance Basics 19 0 12 19% 0% 8%
Life Insurance Policies 20 0 12 20% 0% 8%
Life Insurance Policy, Provisions, Options, and Riders 20 0 15 20% 0% 10%
Annuities 10 0 10 10% 0% 7%
Federal Tax Considerations for Life Insurance and Annuities 5 0 3 5% 0% 2%
Qualified Plans 4 0 3 4% 0% 2%
Life Settlement 2 0 5 2% 0% 3%
Health Insurance
Accident and Health Insurance Basics 0 12 7 0% 12% 5%
Individual Health Insurance Policy General Provisions 0 10 6 0% 10% 4%
Disability Income 0 10 9 0% 10% 6%
Medical Plans 0 15 9 0% 15% 6%
Federal Patient Protection and Affordable Care Act 0 10 9 0% 10% 6%
Long-Term Care (LTC) Insurance 0 5 9 0% 5% 6%
Group Health and Blanket Insurance 0 10 8 0% 10% 5%
Government Insurance Plans 0 9 8 0% 9% 5%
Private Insurance for Senior Citizens and Special Needs Individuals 0 5 9 0% 5% 6%
Total for all parts
Total Scored Questions on Exam 100 100 150 100% 100% 100%
Maximum Time allowed to complete exam in minutes 120 120 150 120 120 120
Passing Score 70 70 70 70 70 70
DESCRIPTION Question Count % of Exam Questions
Property and Casualty Property and Casualty
Property and Casualty Insurance .
Insurance Regulations 14 9%
General Insurance 14 9%
Property and Casualty Basics 20 13%
Dwelling Policy 9 6%
Homeowners Policy 21 14%
Auto Insurance 16 11%
Commercial Package Policy 16 11%
Businessowners Policy 12 8%
Workers’ Compensation Policy 12 8%
Other Coverages and Options 10 7%
Accident and Health Insurance 6 4%
Total for all parts
Total Scored Questions on Exam 150 100%
Maximum Time allowed to complete exam in minutes 150 150
Passing Score 70 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Register for exam
3. Pass exam
4. Apply for License

Governing Agency

Name: New York State Department of Financial Services
Phone: 518-474-6630
Website: https://www.dfs.ny.gov/
Address: One Commerce Plaza, Suite 2003 Albany, NY 12257

Working as an Insurance Agent

Property and Casualty Insurance Agents

What can you expect working as an agent? Property and casualty insurance agents work with clients to help secure policies that protect people and businesses from financial loss.

For individuals many of these events include automobile accidents, fire, theft. For businesses these events can include the same as individuals but can also include workers’ compensation claims, product liability claims, or medical malpractice claims.

Life Insurance Agents

What can you expect from working as an Insurance agent? Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.

Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.

Why Students Choose XCEL

XCEL is the nation’s online insurance education industry leader. We provide you with all the tools and study material you will need to pass the state exam the first time. We understand how people learn and incorporate every detail of our knowledge to help you succeed.

Wide Variety
of Study Options

Our programs offer E-books, videos, simulated state exams, flashcards, review notes, and the best instructor support in the industry.

Proven
System

XCEL offers a unique three-step training program instructionally designed to prepare you to pass the first time.

Pass
Rates

XCEL is the nation’s most trusted provider of test-prep solutions for insurance industry licensing exams. Our courses are built around questions similar to those seen on the exams.

Don’t Delay, Start Today!

View insurance courses below to find out what pre-licensing courses are required for your state.