How to Get Your New Hampshire Insurance License in 2026
New Hampshire requires zero pre-licensing education hours. Compare 5 NHID-approved exam prep courses, get PSI exam details, and get your NH insurance license in as little as 2 weeks.
Exam Prep Cost
$0 – $350
Time to License
1 – 3 weeks
Avg NH Salary
$63,000/yr
Required Hours
0 hrs required
New Hampshire Has No Mandatory Pre-Licensing Education
Unlike most states, New Hampshire does not require any pre-licensing hours for an insurance license. You can study on your own schedule and go straight to the PSI exam. All school products are voluntary exam prep only — strongly recommended, but completely optional. Note: the $210 application fee is higher than most states.
Top 3 New Hampshire Insurance Exam Prep Courses
1. Xcel SolutionsBest Value
Lowest full-bundle price at $89 for the NH Cram Course. À la carte tools available — Livestream Review ($50), On-Demand Video ($50), Flashcards ($25). Exam prep only.
From $89
exam prep only
2. A.D. BankerPass Guarantee
Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85). Pass Guarantee included on every package. NH Life & Health, NH Life, and NH Health lines covered.
From $169.95
3. Kaplan Financial Education
Most comprehensive NH course library. Four tiers ($139–$349) including Career Launcher with business-building tools. Trusted national brand for insurance exam prep.
From $139
Best New Hampshire Insurance Exam Prep Courses
All 5 schools are New Hampshire NHID-approved. Price: Low to High.
Quick Price Comparison (Course Only)
Xcel Solutions
Best ValueStarting at
$89
- Exam Prep Only — no NH pre-licensing requirement
- Bundled Cram Course at $89 — lowest full-bundle price
- À la carte tools: Livestream Review, On-Demand Video, Flashcards
- Mix-and-match study tools to fit your budget
Available Packages (4)
NH Life & Health — Cram Course Bundle
- Bundled cram course for NH L&H exam
- All core exam topics covered
- Best value for full-bundle prep
- NH state-specific content included
WebCE
Starting at
$109.95
- Exam Prep Only — no NH pre-licensing requirement
- NH Producer Life, A&H, and individual line tracks
- 90-day course access; completion not reported to state
- Certificate available as PDF (personal records only)
Available Packages (4)
NH Producer Life, Accident & Health — Exam Prep Complete
- NH L&H exam prep — full course content
- Practice exams and study tools
- NH state-specific laws & regulations
- 90-day course access
Kaplan Financial Education
Starting at
$139
- Exam Prep Only — no NH pre-licensing requirement
- Most comprehensive NH insurance course library
- Four tiers from $139 (Basic) to $349 (Career Launcher)
- Career Launcher tier includes business-building tools
Available Packages (4)
Basic ($139)
- NH L&H exam prep — self-study online or print
- Core exam content coverage
- Practice questions included
- NHID exam-focused materials
ExamFX
Pass GuaranteeStarting at
$169.95
- Exam Prep Only — no NH pre-licensing requirement
- Pass Guarantee: refund if you score 80%+ on Readiness Exam and fail within 3 days
- Three tiers: Self-Study, Video Study, Live Online
- Includes Readiness Exam and online flashcards in all packages
Available Packages (3)
Self-Study Package
- Interactive Learning Portal
- Online Exam Simulations
- Readiness Exam
- Online Flashcards + Instructor Support
A.D. Banker
Pass GuaranteeStarting at
$169.95
- Exam Prep Only — no NH pre-licensing requirement
- Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85)
- Pass Guarantee included on every package
- NH Life & Health, NH Life, and NH Health lines available
Available Packages (3)
Silver — Online Course
- Full online course + activities
- Unlimited chapter exams
- Simulated licensing exams
- Pass Guarantee + printable PDF study manual
Prices verified March 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
What Is a New Hampshire Insurance License?
A New Hampshire insurance license is a state-issued credential required by the New Hampshire Insurance Department (NHID) to legally sell insurance products in New Hampshire. NH is a direct exam state — no pre-licensing education hours are required. As of July 1, 2025, all NH insurance licensing exams are administered by PSI Services LLC (replacing Prometric). No fingerprinting is required for NH insurance producers.
The most common licenses are the Life, Accident & Health (L&H) combined license (covers life insurance, annuities, health, and disability products) and the Property & Casualty (P&C) combined license (covers auto, home, and commercial insurance). Combined exams are available for each pair — one test instead of two — at a $72 fee. Individual line exams are $59 each.
Life, A&H (Combined)
$72 exam fee
Life, annuities, health & disability insurance
Property & Casualty
$72 exam fee
Auto, home, commercial & liability insurance
Single Line (Life, A&H, etc.)
$59 exam fee
Individual line of authority only
New Hampshire Switched Exam Vendors — PSI Now Administers All Exams
Effective July 1, 2025, PSI Services LLC replaced Prometric as NH's official insurance exam vendor (per NHID press release, May 8, 2025). Register at psiexams.com or call (800) 733-9267. Both in-person and remote proctoring are available. Prometric exam scores from before July 1, 2025 remain valid.
How Much Do New Hampshire Insurance Agents Earn?
NH State Average
$63,234/yr
Source: ZipRecruiter, Aug 2025
Top Producers
$90,000 – $130,000+
Life insurance & commercial lines
Commission Structure
Life Insurance
- • First-year commission: 40–100% of annual premium
- • Renewal commission: 2–10% per year
- Example: $1,000/yr policy at 70% = $700 earned
Property & Casualty
- • New policy commission: 5–20% of premium
- • Renewal commission: 8–12% of premium
- Example: $2,000/yr auto at 12% = $240/policy
Salary Range by Career Stage
Entry Level
$38,000 – $50,000
First 1–2 years
NH Average
$55,000 – $75,000
Mid-career agents
Top Producers
$90,000+
Life & commercial lines
Top NH Insurance Markets
Is a New Hampshire Insurance License Worth It?
👍 Pros
- + No Pre-Licensing Required: Skip the mandatory course hours and go straight to the PSI exam — one of the fastest paths to licensure in the country.
- + No Fingerprinting: No IdentoGO appointment, no fingerprint fee — simpler and cheaper than most states.
- + Affluent Market: NH's high median household income and proximity to Boston make it an attractive market for life, health, and commercial lines agents.
- + CE Exemption for First Renewal: If you passed the NH exam and are renewing for the first time, you're exempt from CE for that initial renewal period.
👎 Cons
- - $210 Application Fee: NH's application fee is notably higher than most states. Budget for it alongside your exam fee.
- - Exam Without Preparation Is Risky: The PSI exam covers both general insurance and NH-specific laws. Most candidates benefit significantly from structured prep.
- - Smaller Market: NH is a smaller state — network-building and referral relationships are especially important for building a book of business.
- - Commission-Dependent Income: Most agents earn primarily through commissions — income can be variable in the first year.
How to Get Your New Hampshire Insurance License
Choose Your Line of Authority
Decide which types of insurance you want to sell. The two most common paths are: Life, Accident & Health (L&H) — for life insurance, health insurance, annuities, and disability products; or Property & Casualty (P&C) — for auto, home, and commercial insurance. New Hampshire offers a combined exam for each pair, so you only take one test instead of two separate ones at $72. Individual line exams (Life, A&H, Property, Casualty) are each $59. Many agents start with one license and add the second later.
Study for the PSI Exam (No Pre-Licensing Required)
New Hampshire does NOT require pre-licensing education hours — you can skip directly to scheduling your exam. However, the PSI exams cover both general insurance knowledge and NH-specific laws and regulations, so most candidates strongly benefit from a structured study prep course. Study programs range from Xcel Solutions' Cram Course ($89) to comprehensive guided courses from Kaplan ($349) or A.D. Banker Platinum ($296.85). Allow 1–4 weeks for self-study. Professional designation holders (CLU®, CPCU®) may be eligible for a designation exemption to take only the NH Laws & Regulations portion — contact NHID to confirm.
Register and Pass the PSI Exam
As of July 1, 2025, New Hampshire uses PSI Services LLC for all insurance licensing exams. Register at psiexams.com or call (800) 733-9267. Single-line exam fees are $59; combination exams (L&H or P&C) are $72. Exams are available in-person at PSI testing centers in Concord, Keene, Nashua, Newington, and Portsmouth — or via remote online proctoring from home. Single-line exams have approximately 100 questions in 2 hours; combination exams have approximately 150 questions in 2.5 hours. A 70% passing score is required. Results are available immediately upon completion.
Apply for Your License via NIPR
After passing your exam, apply for your license at NIPR.com (National Insurance Producer Registry). The state application fee is $210 (plus a small NIPR transaction fee of ~$5.60). Note: New Hampshire's $210 application fee is higher than most states — budget for it in advance. New Hampshire does not require fingerprinting or a separate background check appointment. Non-citizen applicants must submit appropriate employment authorization documentation to NHID within 30 days of application. Applications are typically processed within 3–5 business days.
Get Appointed by an Insurance Carrier
Before you can legally sell insurance in New Hampshire, you must be appointed by an insurance carrier or agency. Your employer or contracting agency typically handles the appointment process electronically through NIPR. New Hampshire's proximity to the Boston metro area and its high-income population make it an attractive market for both captive agents (Allstate, State Farm, Liberty Mutual) and independent agents. Major NH-active carriers include Amica Mutual, Liberty Mutual, and Hanover Insurance.
Maintain Your License with Continuing Education
New Hampshire insurance licenses are valid for 2 years and expire on the last day of your birth month. To renew, complete 24 hours of CE including at least 3 hours (and no more than 10 hours) of ethics. CE must be completed at least 60 days before your license expiration date — not on the last day. Important exception: If you passed the NH exam and are renewing for the FIRST TIME, you are exempt from CE for that initial renewal period. Submit your renewal through NIPR. If CE is completed late, a Late CE Compliance Fee applies.
New Hampshire Insurance License Requirements
Eligibility Requirements
- Must be at least 18 years old
- Must have a valid U.S. Social Security Number (or employment authorization documentation for non-citizens)
- Must have principal place of residence or business in NH (for resident license)
- No college degree required
- Must disclose any criminal history on the application
- Must not hold a revoked or suspended insurance license in any state
Pre-Licensing Education
- Required hours: 0 — NH is a direct exam state
- Prep courses are strongly recommended but entirely optional
- CLU® designees may take only the NH Laws & Regs exam (Life or A&H lines)
- CPCU® designees may take only the NH Laws & Regs exam (P&C lines)
- Self-study is free; structured prep courses from $89 (Xcel Cram Course)
Exam Requirements
- PSI Services LLC exam (in-person or remote proctoring)
- Single-line: ~100 questions, 2 hours, $59 fee
- Combination (L&H or P&C): ~150 questions, 2.5 hours, $72 fee
- 70% passing score required
- Schedule at psiexams.com or call (800) 733-9267
Application & Licensing
- Apply via NIPR after passing the exam
- $210 state application fee via NIPR (+ ~$5.60 transaction fee)
- No fingerprinting required
- Processing typically 3–5 business days
- 24 CE hours every 2 years to renew (incl. 3–10 hrs ethics)
- CE due 60 days before license expiration
New Hampshire Insurance License Cost Breakdown
Here's the complete breakdown of what it costs to get your New Hampshire insurance license in 2026:
| Cost Item | Amount | Required? |
|---|---|---|
| Exam Prep Course | $0 – $350 | Optional |
| PSI Exam Fee | $59 – $72 | Required |
| License Application (NIPR) | $210 | Required |
| Fingerprinting | $0 | Not Required |
| Estimated Total | $269 – $632 |
All state and government fees are non-refundable. Education costs vary by provider and package. No fingerprinting fees in New Hampshire.
The New Hampshire PSI Insurance Exam — What to Expect
Single-Line Exam (Life, A&H, Property, or Casualty)
- Questions: ~100 total
- Time limit: 2 hours
- Passing score: 70%
- Fee: $59 per attempt
- Provider: PSI (in-person or remote)
Combination Exam (L&H or P&C Combined)
- Questions: ~150 total
- Time limit: 2.5 hours
- Passing score: 70%
- Fee: $72 per attempt
- Best value if pursuing both lines
General Exam Topics
- Insurance definitions and concepts
- Types of policies and coverage
- Policy provisions and riders
- Underwriting principles
- Federal insurance laws and regulations
- Claims procedures
- Agent duties and ethical obligations
NH State-Specific Topics
- New Hampshire Insurance Code
- NHID rules and regulations
- NH-specific policy requirements
- State consumer protection laws
- NH replacement rules
- NH market conduct requirements
PSI Testing Locations in NH
- Concord, NH
- Keene, NH
- Nashua, NH
- Newington, NH
- Portsmouth, NH
- Remote proctoring available (from home)
💡 PSI Exam Tips
Bring two valid government-issued IDs — at least one must have a photo and signature. Results are available immediately upon completion. Unlimited retakes allowed with no mandatory waiting period, but each attempt requires a new exam fee. Remote proctoring requires a quiet room, stable internet, and a working webcam. Schedule at psiexams.com.
How Long Does It Take to Get a New Hampshire Insurance License?
1 – 2 weeks
Fast Track
Intensive prep, quick scheduling
2 – 3 weeks
Typical Pace
Evenings and weekends study
3 – 5 weeks
Casual Pace
A few hours per week
| Step | Activity | Duration |
|---|---|---|
| 1 | Choose your line(s) of authority | 1 day |
| 2 | Study for the exam (no mandatory pre-licensing — prep strongly recommended) | 1–4 weeks |
| 3 | Schedule & pass the PSI exam | 1–3 days scheduling + exam day |
| 4 | Submit license application via NIPR ($210 fee) | 1–2 days |
| 5 | NHID reviews and issues license | 3–5 business days |
| 6 | Get carrier appointment and start selling | Varies by employer |
No mandatory pre-licensing and no fingerprinting makes NH one of the fastest states to get licensed. Total time depends primarily on your study pace and exam scheduling availability.
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New Hampshire Insurance License Reciprocity
New Hampshire follows the NAIC model reciprocity standard for non-resident producers. If you hold an active resident license in good standing in your home state, and your home state offers equivalent reciprocity to New Hampshire, you can apply for a NH non-resident license without retaking the NH exam.
To apply for a non-resident license, submit your application through NIPR.com. The non-resident application fee is $210 — the same as the resident fee. Non-citizen applicants must submit employment authorization documentation to NHID within 30 days of application.
Non-Resident License Details: Visit the official NHID website for current reciprocal state lists and application requirements: insurance.nh.gov
New Hampshire Insurance License Renewal
New Hampshire insurance licenses must be renewed every 2 years, expiring on the last day of your birth month. To renew, complete 24 hours of CE including at least 3 hours of ethics (no more than 10 hours of ethics may count). CE must be completed at least 60 days before expiration — not on the last day.
2 yrs
Renewal Cycle
24 hrs
CE Required
3–10 hrs
Ethics (included)
For renewal deadlines, fees, and approved CE providers, visit the NHID website: insurance.nh.gov. Reinstatement fee is $90 if your license lapses.
Frequently Asked Questions
Does New Hampshire require pre-licensing education to get an insurance license?
No. New Hampshire is a direct exam state — you are not required to complete any pre-licensing education hours before taking the licensing exam. You can register directly with PSI and schedule your test whenever you feel ready. That said, the exams cover both general insurance knowledge and NH-specific laws and regulations, so most candidates benefit from a structured study prep course from providers like Kaplan, ExamFX, or A.D. Banker. Candidates with CLU® or CPCU® designations may qualify to take only the NH Laws & Regulations portion of the exam.
Who administers the New Hampshire insurance licensing exam?
As of July 1, 2025, PSI Services LLC (PSI) administers all New Hampshire insurance licensing exams. The New Hampshire Insurance Department selected PSI as its new exam vendor, replacing Prometric which had administered exams prior to that date. You can register and book your exam at psiexams.com or call (800) 733-9267. Exams are available in-person at centers in Concord, Keene, Nashua, Newington, and Portsmouth, and also via remote online proctoring.
How much does the New Hampshire insurance license exam cost?
New Hampshire exam fees are $59 for single-line exams (Life, Accident & Health, Property, or Casualty separately) and $72 for combination exams (Life & A&H combined, or Property & Casualty combined). These fees were set by PSI when it became the exam vendor on July 1, 2025, as announced by the New Hampshire Insurance Department. The combination exam is typically the better value if you want to obtain both lines of authority at once.
How much does it cost to get a New Hampshire insurance license in total?
The main costs are: the PSI exam fee ($59 for single-line or $72 for combination), the state application fee of $210 via NIPR (plus a small NIPR transaction fee of ~$5.60), and any optional study prep course ($0–$350). New Hampshire's $210 application fee is notably higher than most states — budget for it accordingly. Total costs typically range from $269 to $632 depending on your exam type and study materials. No fingerprinting or background check appointment fees apply.
Does New Hampshire require fingerprinting for an insurance license?
No. New Hampshire does not require fingerprinting or a fingerprint-based background check appointment for insurance producer license applicants. You will need to disclose any relevant criminal history on your license application, and the department conducts a background review as part of the application process, but there is no separate fingerprinting fee or IdentoGO appointment required.
How long does it take to get an insurance license in New Hampshire?
New Hampshire is one of the fastest states to get licensed in because no pre-licensing education hours are required and fingerprinting is not needed. If you already know the material, you can potentially be licensed in under 2 weeks: schedule your PSI exam, pass it, apply through NIPR ($210), and receive your license within 3–5 business days. Most candidates who study first should plan for 2–4 weeks total.
How do I renew my New Hampshire insurance license?
New Hampshire licenses are valid for 2 years and expire on the last day of your birth month. To renew, you must complete 24 hours of CE including at least 3 hours (and no more than 10 hours) of ethics. CE must be completed at least 60 days before your expiration date. There is one important exception: if you passed the NH licensing exam and are renewing for the FIRST TIME, you are exempt from CE for that initial renewal period. Submit your renewal through NIPR.
Does New Hampshire have reciprocity with other states?
Yes. New Hampshire follows the NAIC model reciprocity standard for non-resident producers. If you hold an active resident license in good standing in your home state, you can apply for a NH non-resident license in the same lines of authority without retaking the NH exam, provided your home state offers reciprocal treatment to New Hampshire. The non-resident application fee is $210. Non-citizen applicants must submit appropriate employment authorization documentation to NHID within 30 days of application.
How much do insurance agents earn in New Hampshire?
Insurance agent salaries in New Hampshire are competitive, boosted by the state's affluent population and proximity to the Boston metro market. The average insurance agent salary in New Hampshire is approximately $63,234/year. Talent.com data shows averages around $55,000–$75,000/year depending on specialty and location. Agents in Manchester average around $75,000/year, and Concord agents average around $78,356/year. Top producers in life insurance or commercial lines can earn $90,000 to $130,000+ annually through commissions and renewals.
What happened to the Prometric insurance exams in New Hampshire?
Effective July 1, 2025, New Hampshire's insurance exam vendor changed from Prometric to PSI Services LLC. Prometric stopped scheduling NH licensing exams after June 23, 2025. PSI began accepting exam registrations on June 30, 2025, and started offering exams on July 1, 2025, per the NHID press release of May 8, 2025. If you took your exam with Prometric before this date, your results are still valid. All new exam registrations should be made through PSI at psiexams.com. Exam fees are $59 (single-line) and $72 (combination), and both in-person and remote testing options are available.
Income Disclaimer: Salary figures are estimates based on publicly available data and vary significantly by state, market, experience level, employer type, and individual effort. Past or average earnings are not a guarantee of future results. CertLaunch makes no income guarantees of any kind.
Sources:
Licensing requirements, exam fees, and course availability change frequently. Always verify current requirements with your state licensing board before enrolling or submitting any application. Learn how we source our data.