Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states.

How many questions are included in the practice tests?

We offer over 800 practice questions - 240 for Life, 240 for Health, and 330 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Which action is most consistent with fair life insurance sales practice?

Comparing old and new coverage honestly before recommending replacement

Promising approval before underwriting

Telling every client to cancel existing coverage immediately

Ignoring the client's needs and budget

Which statement is a red flag for misrepresentation?

This policy is guaranteed to solve every financial problem with no risk or cost

This policy has premiums, conditions, and limitations

You should review the policy carefully when delivered

The insurer will review your application before issuing coverage

A buyer's guide or policy summary is used to help the applicant:

understand important policy features and compare coverage

replace the application signature

avoid reading the policy forever

Why should a producer document important client conversations and recommendations?

Documentation helps show what was discussed and why a recommendation was made

Documentation guarantees every claim is paid

Documentation changes the beneficiary automatically

Documentation replaces the need for honest communication

Contributions made to a Roth IRA receive which federal income tax treatment in the year they are made?

They are made with after-tax dollars and are not deductible

They are deductible only if the owner has no employer plan

They are fully deductible regardless of income

They reduce the owner's Social Security wage base

A taxpayer takes money out of a traditional IRA at age 50 and does not qualify for any exception. In addition to ordinary income tax, what generally applies?

A 10 percent early distribution penalty

A 20 percent mandatory withholding on eligible rollover distributions

A 6 percent excess contribution tax

Which characteristic best distinguishes a Roth IRA from a traditional IRA for the original account owner?

The Roth owner is not required to take minimum distributions during his or her lifetime

The Roth may only be funded by an employer

Only the Roth permits the naming of a beneficiary

Only the Roth allows the account to grow without current taxation

A tax-sheltered annuity, also called a 403(b) plan, is available to employees of which type of organization?

Public school systems and qualifying 501(c)(3) nonprofit organizations

Any private for-profit corporation

Only federal executive branch agencies

Sole proprietorships with fewer than ten workers

Which statement accurately describes how a Simplified Employee Pension, or SEP, is funded?

The employer makes contributions into an IRA established for each eligible employee

Only the employee may contribute, through salary reduction

The plan is funded solely by after-tax employee payroll deductions

Contributions are pooled into a single trust owned by the employer

A SIMPLE plan is generally designed for an employer with how many employees?

100 or fewer eligible employees

A terminating participant asks that her qualified plan balance be paid directly to her so she can redeposit it in an IRA within 60 days. What is the tax consequence of taking possession of the funds?

The plan must withhold 20 percent of the eligible rollover distribution for federal income tax

No withholding applies because the money is being rolled over

The distribution is fully taxable and cannot be rolled over

A flat 10 percent of the balance is withheld for state tax

What is the most important tax difference between a qualified retirement plan and a nonqualified deferred compensation arrangement?

Employer contributions to a qualified plan are currently deductible, while nonqualified plan deductions are generally postponed

Nonqualified plans must satisfy stricter coverage and nondiscrimination rules

Only the nonqualified plan allows tax-deferred growth

Only the qualified plan may name a beneficiary

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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 240+ free Life Insurance questions with detailed explanations.

240+ Questions

Unlimited Practice

New York Specific

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. Last updated July 29, 2026

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.

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New York Life Exam Info

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.

New York Department of Financial Services

More New York Tests

Study Tip

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

Advanced Policy Types

Advanced Taxation (1035, MEC, Annuities)

Annuities

Annuity Payouts & Suitability

Beneficiaries & Settlements

Business Uses of Life Insurance

Ethics & Regulations

General Principles & Contract Law

Group Life Insurance

Life Insurance Basics

Life Settlements & Viaticals

Policy Dividends

Policy Provisions & Options

Policy Riders

Qualified & Retirement Plans

Social Security Benefits

Taxation of Life Insurance

Types of Life Policies

Underwriting & Risk

Universal Life Insurance

Whole Life Insurance

State Insurance Law

Free New York Life Practice Questions with Answers

12 sample questions from the 240-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

Health Insurance

New York Exam

Property & Casualty

New York Exam

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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How to Pass Your Insurance Exam Free Q&A PDFs All Articles

New York Life Insurance Practice Exam Free - 2026

How the New York Life Insurance exam compares

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New York Life Insurance Exam Topics

Free New York Life Practice Questions with Answers

Question 1: Which action is most consistent with fair life insurance sales practice?

Question 2: Which statement is a red flag for misrepresentation?

Question 3: A buyer's guide or policy summary is used to help the applicant:

Question 4: Why should a producer document important client conversations and recommendations?

Question 5: Contributions made to a Roth IRA receive which federal income tax treatment in the year they are made?

Question 6: A taxpayer takes money out of a traditional IRA at age 50 and does not qualify for any exception. In addition to ordinary income tax, what generally applies?

Question 7: Which characteristic best distinguishes a Roth IRA from a traditional IRA for the original account owner?

Question 8: A tax-sheltered annuity, also called a 403(b) plan, is available to employees of which type of organization?

Question 9: Which statement accurately describes how a Simplified Employee Pension, or SEP, is funded?

Question 10: A SIMPLE plan is generally designed for an employer with how many employees?

Question 11: A terminating participant asks that her qualified plan balance be paid directly to her so she can redeposit it in an IRA within 60 days. What is the tax consequence of taking possession of the funds?

Question 12: What is the most important tax difference between a qualified retirement plan and a nonqualified deferred compensation arrangement?

Frequently Asked Questions

How many questions are on the New York Life Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the New York insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in New York

Life Insurance Exams in Nearby States

Official New York Insurance Resources

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