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

• 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 must be successfully passed with a minimum score of 70% before moving onto the next chapter. 
• Completion of this course satisfies the prelicensing education requirement. 

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

• Completion of the course including final exam.  
• Submit student attestation. 
• 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. 

• Registration must be completed online on PSI website: https://test-takers.psiexams.com/nyins
• Exam fee - $40
• Spanish exams are available

• 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.

• There are no limitations on retaking the exam. 

• Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period. 
  
  • Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to 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  

• 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
or electronically through NIPR https://http://www.nipr.com/
• 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.

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

XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.

Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years. 

• On-going renewal periods is the agent’s birthday every two (2) years thereafter. 

Continuing education requirements must be met before submitting the license renewal application. 

Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 15 hours for a single line or combined line 30 hours of approved continuing education, 1 of which must be Insurance Law, 1 of which must be Ethics and 1 of which must be Diversity Inclusion and Elimination of Bias before submitting their renewal application. 

The New York Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products. 

• Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Training Interest course before selling, soliciting, or negotiating annuity products. 
• Annuity training course credits count towards the agent's 24-hour CE requirement. 
• Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to New York. 

• Property and Casualty or Personal Lines licensees must complete an Enhanced approved 3-hour National Flood Insurance Program (NFIP) course in addition to the basic flood course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance. 
• The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement. 

• Licensees can use independent self-study courses to fill all requirements. 
• Licensees may take courses in any line of authority. 
• Self-study exams are closed book and require a monitor/proctor. 
• Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles. 
• Excess credit hours earned in the previous biennial renewal period cannot be carried over to the next reporting period. Any excess is lost. 

• Students must provide their National Producer Number (NPN) to report on course completion. 
• $1.00 per credit hour is required to report course completions to your state. 
• Course completions are reported within one business day. 

Resident and nonresident license renewal applications are processed through DFS. A $80 renewal fee is required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.

Find your New York Insurance License Number View your CE transcript

New York Department of Financial Services
https://www.dfs.ny.gov
800-342-3736
mailto:licensing@dfs.ny.gov
One State Street, New York, NY 10004-1511