How to get a North Dakota life & health license
Requirements, exam, fees and the order to do things in — from the North Dakota Insurance & Securities Department and the exam handbook.
Step by step
- Study for the exam — North Dakota doesn't require a pre-licensing course for this license, but most first-time candidates take an exam-prep course.
- Schedule and pass the state exam with PSI ($67). Read the candidate handbook.
- Get fingerprinted if required — Required for initial resident license: $43 BCI fee + $29 PSI LiveScan processing (if done at PSI).
- Apply for the license through NIPR or the North Dakota Insurance & Securities Department ($100).
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 per 2 yrs incl. 3 ethics hours per renewal (license term: 2 years, ends birth month).
Pre-licensing & exam prep courses
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in North Dakota (optional here, but it lifts pass rates). Some links may be affiliate links.
North Dakota Life & Health requirements
| Life | Accident & Health | |
|---|---|---|
| Pre-licensing education | None required | None required |
| Exam vendor | PSI | PSI |
| Exam fee | $67 | $67 |
| Questions / time | 110 · 150 min | 110 · 150 min |
| License application fee | $100 | $100 |
| Fingerprints | Required for initial resident license: $43 BCI fee + $29 PSI LiveScan processing (if done at PSI) | Required for initial resident license: $43 BCI fee + $29 PSI LiveScan processing (if done at PSI) |
| Continuing education | 24 per 2 yrs incl. 3 ethics hours · 2 years, ends birth month | 24 per 2 yrs incl. 3 ethics hours · 2 years, ends birth month |
Life: ND law no longer requires pre-licensing (DOI). Passing 70%. LicenseHub (NIPR) since Sept 2026.
Minimum age 18. Sources: ND Resident Producer · ND PSI Candidate Information Bulletin · NIPR North Dakota resident individual licensing requirements. Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Life & Health license rules across the US
Other North Dakota licenses
Property & Casualty license · Adjuster license · All North Dakota insurance licenses
Questions
How long does it take to get a life and health insurance license in North Dakota?
North Dakota has no required pre-licensing hours, so many candidates sit the exam within 1–3 weeks of studying. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a North Dakota Life & Health license cost?
State fees (exam + application) come to about $334, plus fingerprints and a course if you take one.
Who runs the North Dakota insurance exam?
PSI. Book the exam on the vendor's site after reading the candidate handbook.