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North Dakota Life License - Exam Section Weights & Requirements
What the North Dakota Life exam tests, section by section, taken from the state's own published content outline, with exam prep built to the same weights.
North Dakota issues this as Life.
Exam logistics
Where to apply and book the exam
We have not published a step-by-step North Dakota checklist yet. These are the official sources; anything on this page that is not cited to one of them comes from the state's own published exam outline.
What North Dakota requires
Transcribed from NIPR's North Dakota resident licensing requirements page, read 2026-09-16. Fees and rules change; confirm against North Dakota Insurance Department before you file.
- Application fee
- $100 (Insurance Producer)
- State exam
- Insurance Producer exams are required for Life, Accident & Health or Sickness, Property, Casualty, Personal Lines, Credit, Crop, Legal Expense, Bail Bonds and Surety, and not required for Portable Electronics, Self-Service Storage, Title, Travel or Variable Life and Variable Annuity. Public Adjuster requires an exam; Surplus Lines Producer does not.
- Fingerprints and background check
- Supporting documents go through NIPR's Attachments Warehouse where a background question is answered yes. No vendor is named.
- How to apply
- Apply electronically through NIPR's Resident License application.
- Also worth knowing
- The fees shown are state fees only and exclude NIPR transaction fees. Public Adjuster applicants must post a $20,000 bond.
North Dakota application fees, by license class
- Insurance Producer$100
- Public Adjuster$100
- Surplus Lines Producer$100
Source: NIPR, North Dakota resident licensing requirements, individual, read 2026-09-16. Anything absent above is something that page does not state, which is not the same as the state not requiring it.
What's actually on the exam
Section weights below are derived from PSI publication ND Life and Annuity content outline (NDINS program file LifeAnn), effective 2024-12-27 - not a national average. Our practice questions and final exam are sampled to the same proportions.
- I. Types of Policies14.545% (16 of 110)
- II. Policy Riders, Provisions, Options, and Exclusions15.455% (17 of 110)
- III. Completing the Application, Underwriting, and Delivering the Policy13.636% (15 of 110)
- IV. Premiums, Proceeds, and Beneficiaries9.091% (10 of 110)
- V. Annuities7.273% (8 of 110)
- VI. Federal Tax Considerations for Life Insurance and Annuities3.636% (4 of 110)
- VII. Qualified Plans and Federal Retirement Plans0% (0 of 110)
- VIII. North Dakota Insurance Code Pertinent to Life Insurance25.455% (28 of 110)
- IX. North Dakota Statutes Pertinent to Life Insurance Producers10.909% (12 of 110)
Source: PSI ND Life and Annuity content outline (NDINS program file LifeAnn) eff. 2024-12-27.
Frequently asked questions
How many questions are on the North Dakota Life exam?
North Dakota administers the Life and Annuity (Product and Laws), 110 scored questions, a 150-minute time limit, administered by PSI. The exam fee is $64.
What score do I need to pass?
The published passing score is 70%.
Does North Dakota require state-approved prelicensing education?
No. North Dakota does not mandate prelicensing education for the Life license - passing the exam is what qualifies you. Exam prep alone is sufficient.
Is the practice exam built to the real North Dakota exam's format?
Yes. Our practice questions and final exam are weighted to match PSI ND Life and Annuity content outline (NDINS program file LifeAnn) eff. 2024-12-27, section by section - not a generic national blueprint with a state label on it.
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