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New York Health Insurance — License Examination Requirements

US-NY · 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 License for Rental Vehicle Companies and Peer-to-Peer Car Sharing Program Administrators

Limited agent authority includes incidental accident and health coverage under § 2131(d)(1)(B).

Licensing authority: New York State Department of Financial Services · Application information

Limited agent issuance to a peer to peer car sharing program administrator
No examination is required for this applicant pathway.
Application
Officer-signed application and an insurer appointment certifying trustworthiness and competence.
Business
Peer-to-peer car sharing program administrator.
Scope
Only incidental accident-and-health coverage under § 2131(d)(1)(B), subject to consumer disclosures and sales restrictions.
Training
Superintendent-approved employee training program; training is an applicant condition rather than a separate licensing examination.

Official no-examination sources

Effective from 2026-09-22.

Limited agent issuance to a rental vehicle company or franchisee
No examination is required for this applicant pathway.
Application
Officer-signed application and an insurer appointment certifying trustworthiness and competence.
Business
Rental vehicle company or franchisee.
Scope
Only incidental accident-and-health coverage under § 2131(d)(1)(B), subject to consumer disclosures and sales restrictions.
Training
Superintendent-approved employee training program; training is an applicant condition rather than a separate licensing examination.

Official no-examination sources

Effective from 2026-09-22.

Temporary Accident and Health Insurance Agent

Temporary continuation of an original agent business after death, military absence or total disability under § 2109.

Licensing authority: New York State Department of Financial Services · Application information

Temporary issuance: Death of original licensee
No examination is required for this applicant pathway.
Eligibility
Executor or administrator, qualifying surviving next of kin, surviving firm member, or qualifying corporate officer/director or estate representative after the original licensee’s death.
Restriction
Continue existing business, renew it and collect premiums; no soliciting, negotiating or selling new insurance.
Term
Initially at most 90 days from death; discretionary 90-day renewals ordinarily aggregate at most 15 months. Extensions beyond 15 months may serve the statutory military-service interest. A next-of-kin renewal ends when a qualified executor or administrator applies.

Official no-examination sources

Effective from 2026-09-22.

Temporary renewal: Death of original licensee
No examination is required for this applicant pathway.
Eligibility
Executor or administrator, qualifying surviving next of kin, surviving firm member, or qualifying corporate officer/director or estate representative after the original licensee’s death.
Restriction
Continue existing business, renew it and collect premiums; no soliciting, negotiating or selling new insurance.
Term
Initially at most 90 days from death; discretionary 90-day renewals ordinarily aggregate at most 15 months. Extensions beyond 15 months may serve the statutory military-service interest. A next-of-kin renewal ends when a qualified executor or administrator applies.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance: Total disability of original licensee
No examination is required for this applicant pathway.
Eligibility
Next of kin of the original licensee who has become totally disabled and unable to pursue occupational duties.
Restriction
Continue existing business; no soliciting, negotiating or selling new insurance.
Term
Initially at most 90 days from disability; discretionary 90-day renewals aggregate at most 15 months.

Official no-examination sources

Effective from 2026-09-22.

Temporary renewal: Total disability of original licensee
No examination is required for this applicant pathway.
Eligibility
Next of kin of the original licensee who has become totally disabled and unable to pursue occupational duties.
Restriction
Continue existing business; no soliciting, negotiating or selling new insurance.
Term
Initially at most 90 days from disability; discretionary 90-day renewals aggregate at most 15 months.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance: Military absence of original licensee
No examination is required for this applicant pathway.
Eligibility
Designated replacement during military absence, including an entity whose sublicensees are all absent; the statutory age qualification applies.
Restriction
Continue existing business; do not solicit new business.
Term
At most six months at a time, with renewals ending no later than 60 days after final discharge.

Official no-examination sources

Effective from 2026-09-22.

Temporary renewal: Military absence of original licensee
No examination is required for this applicant pathway.
Eligibility
Designated replacement during military absence, including an entity whose sublicensees are all absent; the statutory age qualification applies.
Restriction
Continue existing business; do not solicit new business.
Term
At most six months at a time, with renewals ending no later than 60 days after final discharge.

Official no-examination sources

Effective from 2026-09-22.

Temporary Accident and Health Insurance Broker

Temporary continuation of an original broker business after death, military absence or total disability under § 2109.

Licensing authority: New York State Department of Financial Services · Application information

Temporary issuance: Death of original licensee
No examination is required for this applicant pathway.
Eligibility
Executor or administrator, qualifying surviving next of kin, surviving firm member, or qualifying corporate officer/director or estate representative after the original licensee’s death.
Restriction
Continue existing business, renew it and collect premiums; no soliciting, negotiating or selling new insurance.
Term
Initially at most 90 days from death; discretionary 90-day renewals ordinarily aggregate at most 15 months. Extensions beyond 15 months may serve the statutory military-service interest. A next-of-kin renewal ends when a qualified executor or administrator applies.

Official no-examination sources

Effective from 2026-09-22.

Temporary renewal: Death of original licensee
No examination is required for this applicant pathway.
Eligibility
Executor or administrator, qualifying surviving next of kin, surviving firm member, or qualifying corporate officer/director or estate representative after the original licensee’s death.
Restriction
Continue existing business, renew it and collect premiums; no soliciting, negotiating or selling new insurance.
Term
Initially at most 90 days from death; discretionary 90-day renewals ordinarily aggregate at most 15 months. Extensions beyond 15 months may serve the statutory military-service interest. A next-of-kin renewal ends when a qualified executor or administrator applies.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance: Total disability of original licensee
No examination is required for this applicant pathway.
Eligibility
Next of kin of the original licensee who has become totally disabled and unable to pursue occupational duties.
Restriction
Continue existing business; no soliciting, negotiating or selling new insurance.
Term
Initially at most 90 days from disability; discretionary 90-day renewals aggregate at most 15 months.

Official no-examination sources

Effective from 2026-09-22.

Temporary renewal: Total disability of original licensee
No examination is required for this applicant pathway.
Eligibility
Next of kin of the original licensee who has become totally disabled and unable to pursue occupational duties.
Restriction
Continue existing business; no soliciting, negotiating or selling new insurance.
Term
Initially at most 90 days from disability; discretionary 90-day renewals aggregate at most 15 months.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance: Military absence of original licensee
No examination is required for this applicant pathway.
Eligibility
Designated replacement during military absence, including an entity whose sublicensees are all absent; the statutory age qualification applies.
Restriction
Continue existing business; do not solicit new business.
Term
At most six months at a time, with renewals ending no later than 60 days after final discharge.

Official no-examination sources

Effective from 2026-09-22.

Temporary renewal: Military absence of original licensee
No examination is required for this applicant pathway.
Eligibility
Designated replacement during military absence, including an entity whose sublicensees are all absent; the statutory age qualification applies.
Restriction
Continue existing business; do not solicit new business.
Term
At most six months at a time, with renewals ending no later than 60 days after final discharge.

Official no-examination sources

Effective from 2026-09-22.