New York Life and Health Insurance Practice Exam Free - 2026
New York's Department of Financial Services lets candidates who want both the Life and the Accident & Health lines sit one combined exam, Series 17-55, instead of the separate 17-51 (Life) and 17-52 (Accident & Health) exams. PSI administers it: 150 items in 2.5 hours, and the same 70% cut score as the single-line exams.
How the New York life and health exam works
PSI publishes the outline as percentage weights. Insurance regulation is 7% of the combined exam, and the remainder splits between life topics (basics, policies, provisions and riders, annuities, federal tax and qualified plans, life settlements) and health topics (basics, provisions, disability, medical plans, the Affordable Care Act, group and blanket coverage, government plans, and coverage for seniors and special-needs individuals). Because New York's prelicensing requirement doubles for the combined line, most candidates who take 17-55 already hold a 40-hour certificate.
- Vendor: PSI Services
- Questions: 150 items
- Time limit: 2.5 hours
- Passing: 70% correct
- Exam fee: $40 per examination
- Prelicensing: 40 hours for the combined Life/Accident and Health line (20 hours for each single line)
Verified September 2026 from the PSI New York Insurance Licensing Candidate Information Bulletin. Requirements change - confirm with the current handbook before you book.
Official content outline: what the New York exam tests
Sections and weights exactly as the outline lists them (PSI New York Insurance Licensing Candidate Information Bulletin).
| Outline section | Questions / weight |
|---|---|
| Insurance regulation (New York Insurance Law, DFS regulations) | 7% |
| General insurance | 4% |
| Life insurance basics | 8% |
| Life insurance policies | 8% |
| Life policy provisions, options and riders | 10% |
| Annuities | 7% |
| Federal tax considerations for life insurance and annuities | 2% |
| Qualified plans | 2% |
| Life settlements | 3% |
| Accident and health insurance basics | 5% |
| Individual health policy general provisions | 4% |
| Disability income and related insurance | 6% |
| Medical plans | 6% |
| Affordable Care Act | 6% |
| Long-term care insurance | 6% |
| Group health and blanket insurance | 5% |
| Government insurance plans | 5% |
| Insurance for senior citizens and special needs individuals | 6% |
The New York law section
New York law is cited throughout the outline by Insurance Law section and DFS regulation: agent and broker licensing and appointment (2103, 2104, 2112), unfair and prohibited practices such as misrepresentation, rebating and false advertising (2123, 2324, 2603 and Regulation 64), replacement (Regulation 60), Medicare supplement and long-term care rules (Regulation 193 and Part 58), and the New York State Disability Benefits Law.
Content last reviewed July 29, 2026. Practice questions on this site are original, written against the published outlines; they are not actual exam questions.
Practice both halves of the exam
A combined exam draws on two outlines, so the practice is two banks: 276 life questions and 280 health questions, each with an explanation. Take the timed mock exam for each line, then drill weak topics in quiz mode.
Life insurance half
Want one session that mixes both? The custom test builder lets you pick topics from either line and set your own question count.
More New York practice exams
Life and health exams in other states
New York life and health exam FAQs
What is the New York Series 17-55 exam?
The combined Life, Accident and Health Agent/Broker exam: 150 items in 2.5 hours through PSI, 70% to pass, $40 per attempt. It replaces the separate 17-51 Life and 17-52 Accident & Health exams for candidates applying for both lines.
How many prelicensing hours does New York require for life and health together?
40 hours for the combined Life/Accident and Health line, compared with 20 hours for either single line.
Is New York's combined exam weighted toward life or health?
Roughly evenly. Life topics total about 40% and health topics about 37%, with regulation and general insurance making up the rest.