New York Life Insurance Practice Exam Free - 2026
New York is the most demanding licensing state in the country, with the Department of Financial Services requiring more prelicensing study than almost anywhere else. Make those hours pay off with free exam-style practice. Access 313+ free Life Insurance questions with detailed explanations.
Exam quick facts. The New York Life Insurance exam: 100 questions in 120 minutes; passing score 70%; exam fee $40; administered by PSI; 90-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source
How the New York Life Insurance exam compares
The New York Life exam is 100 questions, 120 minutes, a 70% cut score. The examination fee is $40.
New York requires 90 hours of prelicensing education before you may sit - one of the heaviest classroom requirements in the country.
Life Insurance questions reviewed by Michael Bennett — Life Insurance, 17 years' experience, Tampa, FL.
Figures above are taken from PSI New York Insurance Licensing Candidate Information Bulletin and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.
Official content outline: what the New York Life exam tests
New York Life Insurance Agent/Broker (Series 17-51)
100 questions, 2-hour time limit, 70% to pass
| Outline section | Questions / weight |
|---|---|
| Insurance regulation | 10% |
| General insurance | 10% |
| Life insurance basics | 19% |
| Life insurance policies | 20% |
| Life insurance policy provisions, options and riders | 20% |
| Federal tax considerations for life insurance and annuities | 5% |
| Qualified plans | 4% |
| Life settlements | 2% |
| Annuities | 10% |
New York state law on the exam: 10% as a named section, with Insurance Law citations inside the product sections
- Agent and broker licensing, appointment and termination of appointment (2103, 2104, 2112; Regulations 9, 18, 29)
- Unfair and prohibited practices: misrepresentation (2123; Regulation 64), rebating, false advertising (2603), controlled business
- Required life policy provisions: grace period, reinstatement, incontestability, misstatement of age, free look (3203, 3204)
- Replacement of life insurance and annuities (Regulation 60) and the regulation of variable products (4240; Regulations 47 and 77)
- Life settlements: broker licensing, prohibited practices and stranger-originated life insurance (Article 78)
- Group life conversion rights (3220) and life insurance on minors (3207)
New York's life exam is only 100 questions, but nearly a third of them touch state law once you count the citations inside the policy-provisions section. Regulation 60 replacement rules and the Article 78 life settlement rules are the two areas candidates from other states most often miss.
Source: PSI New York Insurance Licensing Candidate Information Bulletin - Series 17-51 content outline (effective Current bulletin (read September 2026)). Outlines change; confirm with the current document before you book.
Taking New York's combined Life, Accident and Health exam (17-55)?
New York candidates applying for both the Life and the Accident & Health lines can sit one PSI exam, Series 17-55: 150 items in 2.5 hours with the same 70% cut score as the 100-question 17-51 Life exam covered on this page. The combined line needs 40 prelicensing hours instead of 20.
Practice this life bank and the New York health bank, and use the combined-exam guide for the percentage weights PSI publishes for each section.
Choose Your Practice Mode
- Vendor: PSI Services
- Questions: 100 questions (plus 5-10 unscored experimental questions may be added)
- Time limit: 120 minutes
- Passing: 70% correct to pass
- Exam fee: $40 examination fee (Life Agent/Broker, Series 17-51)
- Prelicensing: 90 hours for the Property/Casualty line
Verified July 2026 from the PSI New York Insurance Licensing Candidate Information Bulletin. Always confirm with the current official candidate handbook.
Don't just aim to pass a practice test once - retake it until you score comfortably above your state's passing mark two or three times in a row. Read the explanation after every question, even the ones you get right, to lock in the rule before exam day.
New York Life Insurance Exam Topics
Free New York Life Practice Questions with Answers
12 sample questions from the 313-question Life bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.
Want to study offline? Download the free Life questions & answers PDF.
Frequently Asked Questions
Other Insurance Exams in New York
Prepare for multiple insurance licenses in New York
Life Insurance Exams in Nearby States
Planning to get licensed in multiple states? Practice for neighboring state exams too.
Official New York Insurance Resources
Important external links for New York insurance licensing information
New York Department of Financial Services
Official state regulator for insurance licensing, requirements, and exam information.
NAIC - National Association of Insurance Commissioners
The standard-setting and regulatory support organization for state insurance regulators.
Prometric Testing Services
Official testing provider for insurance licensing exams in many states.
PSI Services
Insurance licensing exam administration for select states.
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