Florida’s approved pre-licensing courses require 30 hours for 2-14 Life, 40 hours for 2-40 Health, and 60 hours for 2-15 Life and Health. Florida law requires students to complete at least 75% of those hours before a provider can grant completion credit, making the minimum course time 22.5, 30, and 45 hours respectively.
As of January 1, 2026, California no longer requires the former 20-hour line-specific pre-licensing courses, but applicants for Life, Accident & Health or Sickness, Property, Casualty, Personal Lines, and Limited Lines Automobile licenses must still complete the state-approved 12-hour Ethics and California Insurance Code course before license issuance. The course includes one hour of insurance fraud training and may be completed before or after the state exam.
The cost of a New York insurance license includes required pre-licensing education, a $40 PSI exam fee, and a $40 or $80 license application fee. With National Online Insurance School, the total is about $239–$279 for Life or Accident & Health and $269–$309 for combined Life, Accident & Health, depending on the initial license term.
The New York insurance exam can be challenging because it tests both insurance concepts and New York-specific laws and requires candidates to apply what they know to multiple-choice questions. A 70% score is required to pass, so preparation should focus on understanding the material, practicing with exam-style questions, and carefully reviewing missed answers.
Getting a New York insurance license typically takes about 2 to 8 weeks. The timeline includes completing the required pre-licensing education, preparing for and passing the state exam, and submitting the license application. Study pace, exam availability, retakes, and application processing can make the process shorter or longer.
To pass the New York insurance exam, complete the required pre-licensing education, understand the material well enough to apply it, practice under timed conditions, review missed questions, and consistently score at least 80% on comprehensive practice exams before test day. New York requires a 70% score to pass.
The New York Life, Accident & Health exam includes 150 scored questions, while the Life and Accident & Health exams each include 100 scored questions. Each exam may also include 5 to 10 unscored experimental questions. Testing time is 2 hours and 30 minutes for the combined exam and 2 hours for the Life or Accident & Health exams.
A score of 70% is required to pass the New York insurance licensing exam. The exam is scored electronically, and results are provided immediately after completion, so you will know whether you passed as soon as you finish the exam.
The New York insurance exam is administered by PSI and can be taken at authorized PSI testing centers throughout the state. Eligible candidates may also have the option to take certain insurance licensing exams online through PSI remote proctoring. Testing locations and available appointment times are selected when scheduling the exam.
The New York insurance exam is administered by PSI and requires a 70% score to pass. Depending on the license, the exam contains 100 or 150 scored questions and allows 2 to 2½ hours to complete. Candidates can test at a PSI testing center or, when available for the selected exam, through online remote proctoring.
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