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New Mexico Health Insurance — License Examination Requirements

US-NM · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Limited Lines Credit Insurance Producer

Limited credit producer authority, including credit disability and credit-health coverage; the resident individual must be employed full time by an eligible vendor or financial institution.

Licensing authority: New Mexico Office of Superintendent of Insurance · Application information

Nonresident limited credit producer — business
No examination is required for this applicant pathway.
Application
Submit the home-state or uniform application and applicable fees; the granted scope equals the home-state limited-line scope.
Home license
Hold the same limited credit authority in the home jurisdiction, in good standing, with reciprocal nonresident licensing.
Training
Any insurer instruction and licensed-responsible-producer requirements are applicant conditions.

Official no-examination sources

Effective from 2026-07-01.

Nonresident limited credit producer — individual
No examination is required for this applicant pathway.
Application
Submit the home-state or uniform application and applicable fees; the granted scope equals the home-state limited-line scope.
Home license
Hold the same limited credit authority in the home jurisdiction, in good standing, with reciprocal nonresident licensing.
Training
Any insurer instruction and licensed-responsible-producer requirements are applicant conditions.

Official no-examination sources

Effective from 2026-07-01.

Limited credit reinstatement or reapplication
No examination is required for this applicant pathway.
Requirements
Meet the restricted-employment and application conditions; an individual may reinstate within 12 months, otherwise use the new-application process. Limited-line licensure remains examination-exempt.

Official no-examination sources

Effective from 2026-07-01.

Limited credit renewal
No examination is required for this applicant pathway.
Requirements
Pay statutory renewal fees and maintain the restricted credit authority; limited licenses under § 59A-12-18 are exempt from ordinary continuing education.

Official no-examination sources

Effective from 2026-07-01.

Resident limited credit producer
No examination is required for this applicant pathway.
Application
Meet individual age, application, fees and background requirements; the limited-line statute exempts the applicant from examination.
Coverage
Confine authority to the limited credit lines, including credit disability or credit-health coverage; obtain insurer appointment.
Employment
Employed full time by an eligible merchandise/property vendor or consumer-lending financial institution.
Training
The insurer must provide an OSI-approved instruction program.

Official no-examination sources

Effective from 2026-07-01.

Limited credit relicensure after revocation
No examination is required for this applicant pathway.
Requirements
Prove qualification for the limited license and cure of the causes of revocation or refusal; the limited-line examination exemption remains applicable.

Official no-examination sources

Effective from 2026-07-01.

Limited credit restoration after suspension
No examination is required for this applicant pathway.
Requirements
Request restoration after suspension ends and establish that continuing causes do not remain.

Official no-examination sources

Effective from 2026-07-01.

Limited Lines Travel Insurance Producer

Limited travel producer authority includes sickness, accident, disability and death during travel; it does not authorize major-medical products requiring a specific producer license. Included as a limited form permitting accident and health coverage.

Licensing authority: New Mexico Office of Superintendent of Insurance · Application information

Nonresident limited travel producer — business
No examination is required for this applicant pathway.
Home license
Hold equivalent limited travel authority in good standing in a reciprocal home jurisdiction.
Scope
The nonresident license grants the same restricted scope as the home license; licensed-responsible-agent and retailer training duties remain conditions.

Official no-examination sources

Effective from 2026-07-01.

Nonresident limited travel producer — individual
No examination is required for this applicant pathway.
Home license
Hold equivalent limited travel authority in good standing in a reciprocal home jurisdiction.
Scope
The nonresident license grants the same restricted scope as the home license; licensed-responsible-agent and retailer training duties remain conditions.

Official no-examination sources

Effective from 2026-07-01.

Limited travel reinstatement or new application
No examination is required for this applicant pathway.
Requirements
An individual may reinstate within 12 months under 13.4.2.27(C); later or entity reapplications use the limited-travel licensing requirements.

Official no-examination sources

Effective from 2026-07-01.

Limited travel renewal
No examination is required for this applicant pathway.
Requirements
Continue the licensed individual or entity on the applicable renewal schedule; retain the responsible agent and retailer register.

Official no-examination sources

Effective from 2026-07-01.

Resident limited travel producer — business
No examination is required for this applicant pathway.
Applicant
business
Exemption
13.4.2.11(B)(3)(a) exempts limited travel-license applicants from examination.
Responsible agent
Select a licensed individual employee responsible for travel compliance; controlling personnel satisfy resident-state fingerprint rules.
Restricted scope
Only travel insurance, including incidental sickness, accident and disability; major medical requiring a specific producer license is outside this limited form.
Retailer training
Maintain and annually update the travel retailer register, and require retailer personnel training on insurance types, ethics and disclosures.

Official no-examination sources

Effective from 2026-07-01.

Resident limited travel producer — individual
No examination is required for this applicant pathway.
Applicant
individual
Exemption
13.4.2.11(B)(3)(a) exempts limited travel-license applicants from examination.
Responsible agent
Select a licensed individual employee responsible for travel compliance; controlling personnel satisfy resident-state fingerprint rules.
Restricted scope
Only travel insurance, including incidental sickness, accident and disability; major medical requiring a specific producer license is outside this limited form.
Retailer training
Maintain and annually update the travel retailer register, and require retailer personnel training on insurance types, ethics and disclosures.

Official no-examination sources

Effective from 2026-07-01.

Limited travel relicensure after revocation
No examination is required for this applicant pathway.
Requirements
Establish present qualification and cure of causes of revocation or refused continuation; apply the travel examination exemption.

Official no-examination sources

Effective from 2026-07-01.

Limited travel restoration after suspension
No examination is required for this applicant pathway.
Requirements
Request restoration when suspension ends and continuing causes have been cured.

Official no-examination sources

Effective from 2026-07-01.

Rental Car Insurance Limited Producer License

Rental-car company authority includes personal accident, dismemberment, accidental medical-expense reimbursement and emergency sickness coverage incidental to rental agreements.

Licensing authority: New Mexico Office of Superintendent of Insurance · Application information

Nonresident rental car company reciprocal licensure
No examination is required for this applicant pathway.
Home license
A rental-car company holds equivalent limited producer authority in its reciprocal home jurisdiction.
Local operations
List NM rental locations, appoint supervisors, and provide the insurer-certified approved employee training program and quarterly endorsee list.

Official no-examination sources

Effective from 2026-07-01.

Rental car company reapplication
No examination is required for this applicant pathway.
Requirements
Use the business-entity application with current insurer certification, training program and locations.

Official no-examination sources

Effective from 2026-07-01.

Rental car company renewal
No examination is required for this applicant pathway.
Requirements
Renew the entity license and maintain insurer appointments and approved employee training.

Official no-examination sources

Effective from 2026-07-01.

Resident rental car company licensure
No examination is required for this applicant pathway.
Company
A rental-car business entity applies, lists its NM locations and provides insurer certification of competence, approved training and intended appointment.
Employee authorization
Endorsees operate under the company license, are at least 18, complete approved training and act under local supervision; the employer maintains their list and authority expires on termination of employment. This is employee authorization, rather than a separately issued Board license.
Scope
Only coverage incidental to the vehicle rental, including personal accident and emergency sickness benefits; no designated responsible producer is required under 13.4.2.10(B)(3)(b).
Training
Submit the employee training program for superintendent approval before use; maintain an endorsee list updated quarterly and retained for three years.

Official no-examination sources

Effective from 2026-07-01.

Rental car company relicensure after revocation
No examination is required for this applicant pathway.
Requirements
Establish present rental-car license qualifications and cure of the revocation or refusal causes.

Official no-examination sources

Effective from 2026-07-01.

Rental car company restoration after suspension
No examination is required for this applicant pathway.
Requirements
Request restoration when suspension ends after cure of continuing causes.

Official no-examination sources

Effective from 2026-07-01.

Temporary Insurance Producer — Accident and Health or Sickness

Temporary individual authority to service an insurance business, for at most 180 days, under a suitable licensed-producer or insurer sponsor.

Licensing authority: New Mexico Office of Superintendent of Insurance · Application information

Member or employee replacing a deceased or disabled DRLP
No examination is required for this applicant pathway.
Discretion
Issuance, limits on authority and revocation are subject to the superintendent’s public-protection determination.
Duration
No more than 180 days; authority does not continue after sale or disposition of the business.
Eligibility
A designated responsible licensed producer of the business entity died or became disabled.
Sponsor
A suitable licensed insurance producer or insurer must assume responsibility for all acts.

Official no-examination sources

Effective from 2026-07-01.

Designee of producer entering active military service
No examination is required for this applicant pathway.
Discretion
Issuance, limits on authority and revocation are subject to the superintendent’s public-protection determination.
Duration
No more than 180 days; authority does not continue after sale or disposition of the business.
Eligibility
The licensed producer is entering active service in the United States armed forces.
Sponsor
A suitable licensed insurance producer or insurer must assume responsibility for all acts.

Official no-examination sources

Effective from 2026-07-01.

Other circumstance serving the public interest
No examination is required for this applicant pathway.
Discretion
Issuance, limits on authority and revocation are subject to the superintendent’s public-protection determination.
Duration
No more than 180 days; authority does not continue after sale or disposition of the business.
Eligibility
The superintendent determines that issuance best serves the public interest.
Sponsor
A suitable licensed insurance producer or insurer must assume responsibility for all acts.

Official no-examination sources

Effective from 2026-07-01.

Surviving spouse or court appointed personal representative
No examination is required for this applicant pathway.
Discretion
Issuance, limits on authority and revocation are subject to the superintendent’s public-protection determination.
Duration
No more than 180 days; authority does not continue after sale or disposition of the business.
Eligibility
The licensed producer died or became mentally or physically disabled; service the business while it is sold, the producer recovers, or personnel are trained and licensed.
Sponsor
A suitable licensed insurance producer or insurer must assume responsibility for all acts.

Official no-examination sources

Effective from 2026-07-01.