New York
Verified Nov 8, 2026 · Source: Candidate Information Bulletin, updated April 28, 2023
- Testing vendor
- PSI Services
- Testing format
- Available — test center or remote proctoring is described in the official bulletin. Confirm eligibility and run the system check before booking.
- Before registering
- Complete approved prelicensing education unless a state exemption applies; bring the required completion certificate or waiver.
Exam options & fees
- Life Agent/Broker$40License application basis: $80 if term exceeds one year; $40 if one year or less · Source
- Accident and Health Agent/Broker$40License application basis: $80 if term exceeds one year; $40 if one year or less · Source
- Combined Life/Accident & Health Agent/Broker$40License application basis: $80 if term exceeds one year; $40 if one year or less · Source
- Life Settlement Broker (17-80; exemptions may apply)$40License application basis: $80 if term exceeds one year; $40 if one year or less · Source
- Life and Health Laws & Regulations (17-73; designated-professional waiver route only)$40License application basis: $80 if term exceeds one year; $40 if one year or less · Source
Agent and broker licenses are separate license classes even where they use the same exam. The Laws & Regulations route is only for qualifying professional-designation waivers. Life settlement applicants may qualify for an exam exemption.
License application amounts are not a new charge for every exam component. Separate examinations, combined examinations and discounted sessions are labeled above.
Other licensing costs
- License application — standard Life / Health route$80 if term exceeds one year; $40 if one year or lessOfficial source
- NIPR transaction — only if applying through NIPR$5.60 per applicationOfficial source
- Other vendor / processing chargesCheck the official page for any additional processing chargesOfficial source
- Fingerprinting / backgroundFingerprinting costs are listed below. Some states collect them with your application; any included charge is not an additional fee.
Go directly to the official source
Location and remote availability depend on examination eligibility, date and vendor rules.
Register for the New York insurance agent exam
- Complete approved prelicensing education unless a state exemption applies; bring the required completion certificate or waiver.
- Open the official testing program; create an account using the legal name on your identification.
- Choose the correct examination and permitted testing format, select an appointment, and pay the official examination fee.
- Keep the confirmation. Review the handbook’s exact name-match, photo ID, certificate, check-in, cancellation and retake requirements.
After passing
Apply through New York DFS or the supported NIPR resident application. Wait until your license is issued before selling insurance.
Fingerprinting & background checks
- Requirement
- Not listed as required in reviewed official instructions; confirm with the state
- State instructions
- The standard Life/A&H Agent/Broker instructions list no routine fingerprints. NIPR names other classes that require them, including adjuster, bail and life-settlement licenses. Confirm with the state if your situation needs additional review.
- Vendor / contact
- New York DFS
- Separate cost
- See official page — amount not confirmed
When to fingerprint, fee details & official sources
- When in the process
- No routine fingerprint timing stated; answer all application background questions and follow individual DOI requests.
- Fee / route notes
- Not applicable to a routine fingerprint requirement; no separate fingerprint fee verified. This does not waive criminal-history disclosures or possible additional investigation.
Additional life-related, restricted & specialty license types (3)
These are not shortcuts to unrestricted Life & Health authority. Appointment, securities, employer, tenure and exemption conditions can apply.
Life/Accident & Health Broker — Variable Life/Variable Annuity
- Examination
- Underlying Life qualification plus securities registration; no standalone variable exam listed
- Exam fee
- Underlying Life exam — see Life option; check securities-registration costs separately
- Application
- $80 if term exceeds one year; $40 if one year or less
An existing Life license or a simultaneous Life application and the state’s FINRA/CRD requirements apply. The NIPR exam-required group is not treated as a new standalone variable examination.
Life/Accident & Health Agent — Variable Life/Variable Annuity
- Examination
- Underlying Life qualification plus securities registration; no standalone variable exam listed
- Exam fee
- Underlying Life exam — see Life option; check securities-registration costs separately
- Application
- $80 if term exceeds one year; $40 if one year or less
An existing Life license or a simultaneous Life application and the state’s FINRA/CRD requirements apply. The NIPR exam-required group is not treated as a new standalone variable examination.
Life Settlement Broker — Life Settlement Broker
- Examination
- Life Settlement Broker (17-80)
- Exam fee
- $40
- Application
- $80 if term exceeds one year; $40 if one year or less
Non-resident licensing summary
Already licensed in another state? Qualifying matching Life / A&H authority usually does not require a new target-state exam. Home-state-dependent fees, fingerprint exemptions and other conditions differ from the resident path. Confirm your final eligibility and payment total on the official application.
Non-resident state fees
- Life-only state application
- Home-state and term dependent; see schedule
- A&H-only state application
- Home-state and term dependent; see schedule
- Life + A&H in the same application
- Home-state and term dependent; see schedule
- NIPR transaction — separate, only for NIPR applications
- $5.60 general initial-application transaction fee; confirm the final charge for your selected state and application with NIPR before paying.
Life/Accident & Health Agent (LA): Life and/or A&H share one class fee. Full basic fee for term >1 year; half basic fee for <=1 year; filing/retaliatory items may not halve. Optional variable-products extra separate. Wisconsin basic $85 full/$42.50 half, with optional variable extra $50/$25; DFS and NIPR agree.
Fingerprinting & background
- Requirement
- Not required on the qualifying reciprocal pathway — see official scope and exceptions
- State instructions
- New York’s fingerprint list covers Independent Adjusters, Public Adjusters, Bail Bondsmen and Life Settlement Brokers. Standard LA Life/A&H Agents and LB Brokers are outside that list.
Continuing education and other notes
Agent (LA) represents insurers and must be appointed before sales; Broker (LB) represents public and does not require insurer appointment. Active corresponding resident license required; PDB verification replaces certification unless absent. FINRA CRD required for Variable Life/Annuity. DFS cybersecurity regulation may apply, including exemptions/filing obligations; consult DFS. Nonresident CE generally satisfied at home; reinstatement may trigger CE documentation/$10 fee.
Non-resident license types
Life/Accident & Health Agent (LA)
- Lines
- Life
- Fee
- Home-state and term dependent; see schedule
Life and/or A&H share LA class; optional Variable authority separate. Separate LB Broker class exists but agent fee schedule here does not claim to price brokers.
Life/Accident & Health Agent (LA)
- Lines
- Accident & Health (Health/Sickness)
- Fee
- Home-state and term dependent; see schedule
Life and/or A&H share LA class; optional Variable authority separate. Separate LB Broker class exists but agent fee schedule here does not claim to price brokers.
Life/Accident & Health Agent (LA)
- Lines
- Life, Accident & Health (Health/Sickness)
- Fee
- Home-state and term dependent; see schedule
Life and/or A&H share LA class; optional Variable authority separate. Separate LB Broker class exists but agent fee schedule here does not claim to price brokers.
General non-resident rules
- Resident license information missing from NAIC PDBSubmit current Certification from home-state insurance department when home-state license information is not on PDB. When present on PDB, separate certification not needed.
Source differences
- Wisconsin-home basic LA feeWisconsin-home basic $85 full/$42.50 half; optional VA extra $50 full/$25 half, not included in plain Life/A&H.