NATIONAL INSURANCE GUIDE

New York Insurance License

New York Insurance License

New York Insurance License: Complete 2026 Guide

Getting a New York insurance license (also called insurance producer license) is regulated by the New York State Department of Financial Services (DFS). New York has strict pre-licensing requirements for Life, Health, Property, Casualty, Personal Lines, and other lines. Fingerprinting required for most applicants. Apply via NIPR/Sircon. No federal license—state-only.​

New York License Requirements (2026)

  1. Eligibility: Age 18+, NY resident, clean criminal record, US citizen/permanent resident.
  2. Pre-Licensing Education (DFS-approved):
    • Life & Accident/Health: 40 hours.
    • Life Only: 20 hours.
    • Health Only: 20 hours.
    • Property & Casualty: 96 hours (90 live classroom min).
    • Personal Lines: 43 hours (40 live classroom min).
    • Adjuster: None required.
    • Providers: Kaplan, OnSite School NY (online/live OK).​
  3. State Exam: PSI Services. $33 fee. 150 questions, 70% pass, 2.5–3 hours.​
  4. Fingerprints: Required for Life/A&H, P&C, Adjuster via IdentoGO (Service Code 2FNYFS, $102.75). Mail cards to DFS.​
  5. Application: NIPR/Sircon within 2 years of exam. $40 fee + sponsor appointment. Processing: 4–8 weeks.​
  6. Renewal: Triennial, 15 CE hours, $40 fee.​

New York License Types & Hours

TypePre-Lic HoursExam FeeNotes ​
Life, Accident & Health Broker40$33Variable Life/Travel Accident
Property & Casualty96 (90 live)$33150 q, 2.5 hrs
Personal Lines43 (40 live)$33Simplified P&C
Life Only20$33Term/Whole Life
Health Only20$33Disability/Medical
Independent AdjusterNone$33Auto Damage, Fire, etc.

Live Class: Minimum classroom hours for live approvals.​

Fees Breakdown (New York 2026)

ItemCostProvider ​
Pre-Lic Course$140–400Kaplan/OnSite School
Exam$33PSI Services
Fingerprints$102.75IdentoGO (2FNYFS)
Application$40NIPR/Sircon
Renewal$40 + 15 CEDFS
Total Initial (Life/A&H)~$320

Reciprocity & Non-Resident

Limited reciprocity: NY licenses transfer to 48 states via NIPR, but NY requires fingerprints for first-time non-residents (Life/A&H, P&C, Excess Lines). Non-resident fee: $40. NY participates in Producer Licensing Compact (adjusters).​

Top 3 New York Pre-Lic Providers

  • Kaplan Financial: NY-approved, live online. 800-KAPLAN-8 | kaplanfinancial.com​
  • OnSite School NY: Classroom/Personal Lines specialist. 212-967-4311 | onsiteschoolny.com​
  • AB Training Center: P&C bundles, exam prep. abtrainingcenter.com​

DFS Official: dfs.ny.gov/apps_and_licensing | 212-480-2515 | NYS Insurance Licensing.​

Frequently Asked Questions (15)

  1. How many pre-licensing hours for Life/A&H in New York? 40 hours (20 Life + 20 Health min).​
  2. What’s the New York DFS website/contact? dfs.ny.gov/apps_and_licensing | 212-480-2515.​
  3. Who administers New York insurance exams? PSI Services (psi.exams).​
  4. New York application fee? Fingerprint cost? $40 app + $102.75 fingerprints.​
  5. Does New York require high school diploma? No formal requirement.​
  6. New York exam pass rate/provider? 70% pass, PSI ($33, 150 q).​
  7. Fingerprinting process in New York? IdentoGO Service Code 2FNYFS; mail cards to DFS.​
  8. New York CE hours for renewal? 15 hours triennial.​
  9. Reciprocity from other states to New York? Limited—fingerprints required for most non-residents.​
  10. Can felons get New York license? Case-by-case; fraud/dishonesty crimes disqualify.​
  11. Exam locations in New York? 30+ PSI centers (NYC, Buffalo, Albany, Rochester).​
  12. How long for New York license approval? 4–8 weeks (must apply within 2 years of exam).​
  13. New York-specific license types? Life/A&H Broker, P&C, Personal Lines, Excess Lines.​
  14. Non-resident licensing for New York? $40 fee + fingerprints for first-time (Life/P&C).​
  15. Top 3 pre-lic providers for New York? Kaplan, OnSite School NY, AB Training Center.​

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