NATIONAL INSURANCE GUIDE

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)

Eligibility: Age 18+, NY resident, clean criminal record, US citizen/permanent resident.
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).
State Exam: PSI Services. $33 fee. 150 questions, 70% pass, 2.5–3 hours.
Fingerprints: Required for Life/A&H, P&C, Adjuster via IdentoGO (Service Code 2FNYFS, $102.75). Mail cards to DFS.
Application: NIPR/Sircon within 2 years of exam. $40 fee + sponsor appointment. Processing: 4–8 weeks.
Renewal: Triennial, 15 CE hours, $40 fee.

New York License Types & Hours

Type	Pre-Lic Hours	Exam Fee	Notes
Life, Accident & Health Broker	40	$33	Variable Life/Travel Accident
Property & Casualty	96 (90 live)	$33	150 q, 2.5 hrs
Personal Lines	43 (40 live)	$33	Simplified P&C
Life Only	20	$33	Term/Whole Life
Health Only	20	$33	Disability/Medical
Independent Adjuster	None	$33	Auto Damage, Fire, etc.

Live Class: Minimum classroom hours for live approvals.

Fees Breakdown (New York 2026)

Item	Cost	Provider
Pre-Lic Course	$140–400	Kaplan/OnSite School
Exam	$33	PSI Services
Fingerprints	$102.75	IdentoGO (2FNYFS)
Application	$40	NIPR/Sircon
Renewal	$40 + 15 CE	DFS
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)

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