OpenExamsFREE PRACTICE — ANY EXAM

North Dakota Health Insurance — Requirements & Free Practice

US-ND · License preparation

169 free questions · Answer explanations · No signup required

Choose what to practice

Start with an exam below. Your examination requirements depend on your application pathway. View licensing requirements

Loading selected examination banks…

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.

Business Entity Insurance Producer License — Accident and Health or Sickness

Business-entity producer authority for accident and health or sickness, supported by a designated licensed principal producer.

Licensing authority: North Dakota Insurance & Securities Department · Application information

Nonresident business entity — reciprocal addition of accident and health authority
No examination is required for this applicant pathway.
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Designated principal
An affiliated designated principal must hold North Dakota authority for the requested accident and health line.
Existing license
Hold the nonresident entity license and request authority also held under the reciprocal home-state license.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity — reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit the business entity application and $100 fee; ensure compliance with North Dakota corporate law.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Designated principal
At least one affiliated individual must hold a North Dakota license for the requested line.
Home state
Hold the home-state resident entity license in good standing under NDCC 26.1-26-20 and reciprocal treatment. The Department page says the resident license must be maintained if the home state issues entity licenses.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Managing general agent
When acting as an MGA, the same resident or nonresident producer license is used; file the managing agreement with the Department and comply with NDCC 26.1-26.3. The commissioner may require a bond and adequate errors and omissions coverage.
Ongoing status
The nonresident entity license is perpetual while its required designated producer and applicable home-state license remain active; report address changes within 30 days.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity — add accident and health authority
North Dakota Accident and Health or Sickness Insurance Examination
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Designated principal
Have a designated principal licensed for accident and health who has taken the required examination; prior passing satisfies this condition without a new entity examination.
Existing license
Hold a resident business entity producer license and request additional accident and health authority.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.
Resident business entity — initial licensure
North Dakota Accident and Health or Sickness Insurance Examination
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Designated principal
Designate an individual North Dakota producer responsible for compliance who is licensed in the requested accident and health line and has taken the examination required by NDCC 26.1-26-13.2.
Examination taker
The designated principal, rather than the legal entity, takes the examination; the statutory prior passing requirement retains the currently offered exam.
Fee
Submit the uniform business entity application and $100 fee.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Managing general agent
When acting as an MGA, the same resident or nonresident producer license is used; file the managing agreement with the Department and comply with NDCC 26.1-26.3. The commissioner may require a bond and adequate errors and omissions coverage.
Ongoing status
The entity license is perpetual while the designated producer remains active for its lines; report designated-principal status changes within 10 working days and address changes within 30 days.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Insurance Producer License — Accident and Health or Sickness (Individual)

Individual producer authority for sickness, disease, injury, accidental death, and disability; resident and nonresident pathways are recorded separately.

Licensing authority: North Dakota Insurance & Securities Department · Application information

Nonresident individual — reciprocal addition of accident and health authority
No examination is required for this applicant pathway.
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Existing license
Hold an existing North Dakota nonresident producer license and request accident and health authority held on the reciprocal home-state resident license.
Home state
Remain licensed and in good standing for the requested line in the reciprocal home state.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — reciprocal limited accident and health authority
No examination is required for this applicant pathway.
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Authority limit
No full accident and health authority is conferred by this limited-line route.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Home state
Hold in good standing a home-state limited authority restricted to less than the complete accident and health major line; North Dakota grants the same scope, subject to reciprocity.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — reciprocity
No examination is required for this applicant pathway.
Application
Submit a proper request, fee, and the home-state or completed uniform application; licensing status may be verified in the producer database.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Continuing education
Home-state continuing education satisfies North Dakota requirements on the reciprocal basis specified by NDCC 26.1-26-47.1.
Home state
Hold a resident producer license in good standing for the same authority; the home state must grant reciprocal nonresident licenses.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Managing general agent
When acting as an MGA, the same resident or nonresident producer license is used; file the managing agreement with the Department and comply with NDCC 26.1-26.3. The commissioner may require a bond and adequate errors and omissions coverage.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — reapply following cancellation
No examination is required for this applicant pathway.
Application
Reapply through NIPR and pay the initial $100 fee.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Home state
Meet the current reciprocal home-state resident license and good-standing requirements.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — biennial continuation
No examination is required for this applicant pathway.
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Home state
Remain in good standing and satisfy home-state continuing education.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Renewal
Submit the uniform individual renewal/continuation application electronically and pay $25 biennially.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Official no-examination sources

Effective from 2026-09-22.

Resident individual — add accident and health authority
North Dakota Accident and Health or Sickness Insurance Examination
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Examination score
Pass the appropriate examination and apply within one year.
Existing license
Hold an existing North Dakota resident producer license and apply to add accident and health or sickness.
Fee
There is no fee to add a line to an active license.
Fingerprints
No repeat fingerprinting is required.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.
Resident individual — initial licensure by examination
North Dakota Accident and Health or Sickness Insurance Examination
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Background check
Initial resident applicants must complete the criminal history record check and supply fingerprints; statutory exceptions apply to continuation and reapplication within 12 months unless suspended or revoked.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Examination score
Pass the accident and health examination. For an initial applicant not yet licensed, apply within one year of passing; otherwise retake the examination.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Managing general agent
When acting as an MGA, the same resident or nonresident producer license is used; file the managing agreement with the Department and comply with NDCC 26.1-26.3. The commissioner may require a bond and adequate errors and omissions coverage.
Minimum age
At least 18 years of age.
Prelicensing education
Classroom prelicensing instruction is not required; preparation may be by classroom instruction or self-study.
Residency
Reside in North Dakota or maintain the principal place of business there; a North Dakota resident license cannot coexist with another resident license.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.
Resident individual — previously licensed same line examination exemption
No examination is required for this applicant pathway.
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Background check
Initial resident applicants must complete the criminal history record check and supply fingerprints; statutory exceptions apply to continuation and reapplication within 12 months unless suspended or revoked.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Examination exemption
No prelicensing examination is required when currently licensed for the same line in another state, or applying within 90 days after cancellation with proof of good standing; prior-state licensing is an applicant condition.
Examination score
The statutory same-line examination exemption applies; this route carries no North Dakota examination requirement.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Minimum age
At least 18 years of age.
Prelicensing education
Classroom prelicensing instruction is not required; preparation may be by classroom instruction or self-study.
Residency
Reside in North Dakota or maintain the principal place of business there; a North Dakota resident license cannot coexist with another resident license.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Official no-examination sources

Effective from 2026-09-22.

Resident individual — reapplication after the examination validity period
North Dakota Accident and Health or Sickness Insurance Examination
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Background check
A criminal history record check is required when the 12-month reapplication exception does not apply.
Cancellation
Reapply for a resident license when the prior results have ceased to be valid; retake the examination unless independently qualifying for a statutory same-line exemption.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Examination score
Pass the accident and health examination. For an initial applicant not yet licensed, apply within one year of passing; otherwise retake the examination.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Minimum age
At least 18 years of age.
Prelicensing education
Classroom prelicensing instruction is not required; preparation may be by classroom instruction or self-study.
Residency
Reside in North Dakota or maintain the principal place of business there; a North Dakota resident license cannot coexist with another resident license.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.
Resident individual — relicensure within 12 months of voluntary or continuation cancellation
North Dakota Accident and Health or Sickness Insurance Examination
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Background check
No repeat criminal history check is required within 12 months unless suspended or revoked.
Cancellation
Apply within 12 months after voluntary cancellation or cancellation for failure to complete continuation; submit a new application and fee.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Continuing education
Complete continuing education as though the license had remained continuously active.
Cross reference
45-02-04-15 cites subsection 7 of 45-02-02-03; the current codification states the corresponding continuing-validity provision in subsection 5.
Examination score
Previously passed currently offered examination remains a leaf. No retake is required while results remain valid under 45-02-02-03(5); suspension or revocation invalidates them unless the order specifies otherwise.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Minimum age
At least 18 years of age.
Prelicensing education
Classroom prelicensing instruction is not required; preparation may be by classroom instruction or self-study.
Residency
Reside in North Dakota or maintain the principal place of business there; a North Dakota resident license cannot coexist with another resident license.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.
Resident individual — biennial continuation
No examination is required for this applicant pathway.
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Continuing education
24 approved hours in each two-year period, including 3 ethics hours, subject to statutory exemptions and approved extensions.
Course assessments
A continuing education provider may require its own course examination; it is a course condition, not an identified state licensing examination.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Renewal
Submit the biennial continuation and $25 fee by the last day of the birth month; resident continuing education compliance must be on file.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Official no-examination sources

Effective from 2026-09-22.

Individual — convert resident license after relocation
No examination is required for this applicant pathway.
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Home state
Maintain the new resident license in good standing.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Relocation
Notify the Department and provide certification from the new home state within 30 days; no fee or new license application is required by NDCC 26.1-26-20(3).
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Official no-examination sources

Effective from 2026-09-22.

Resident individual — relocation to North Dakota with same line exemption
No examination is required for this applicant pathway.
Application
Submit the complete uniform application and required fee; statements must be true, correct, and complete.
Background check
Initial resident applicants must complete the criminal history record check and supply fingerprints; statutory exceptions apply to continuation and reapplication within 12 months unless suspended or revoked.
Character
The commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Examination score
The statutory transfer exemption applies to the previously held lines; no North Dakota examination is required.
Existing nonresident license
If already holding an active North Dakota nonresident license, submit the resident application with no fee.
Line of authority
Accident and health or sickness: sickness, disease, injury, accidental death, and disability.
Long term care sales
If selling, soliciting, or negotiating long-term care insurance, first complete eight hours of North Dakota-approved training and complete four hours during each two-year period; substantially similar training in another state may satisfy the nonresident requirement.
Minimum age
At least 18 years of age.
Prelicensing education
Classroom prelicensing instruction is not required; preparation may be by classroom instruction or self-study.
Relocation
Apply within 90 days of establishing legal residence; hold or have held the same line in the former home state and provide clearance.
Residency
Reside in North Dakota or maintain the principal place of business there; a North Dakota resident license cannot coexist with another resident license.
Service of process
Designate the commissioner and successors as attorney for service of process under NDCC 26.1-26-21.

Official no-examination sources

Effective from 2026-09-22.

temporary license as an insurance producer

Temporary producer authority to service an insurance business, for no more than 180 days, issued at the commissioner’s discretion.

Licensing authority: North Dakota Insurance & Securities Department · Application information

Temporary producer — death of individual producer
No examination is required for this applicant pathway.
Application
Provide a complete temporary-license application and a written statement of the reasons.
Commissioner determination
The commissioner must find the temporary license necessary to service an insurance business.
Duration
Not more than 180 days.
Eligibility
Surviving spouse, next of kin, administrator, executor, or employee of a deceased licensed producer.
Restriction
A temporary license is not issued solely because the applicant failed the examination and wants authority until passing.

Official no-examination sources

Effective from 2026-09-22.

Temporary producer — disability of individual producer
No examination is required for this applicant pathway.
Application
Provide a complete temporary-license application and a written statement of the reasons.
Commissioner determination
The commissioner must find the temporary license necessary to service an insurance business.
Duration
Not more than 180 days.
Eligibility
Spouse, next of kin, employee, or legal guardian of a disabled licensed producer.
Restriction
A temporary license is not issued solely because the applicant failed the examination and wants authority until passing.

Official no-examination sources

Effective from 2026-09-22.

Temporary producer — death or disability of entity principal
No examination is required for this applicant pathway.
Application
Provide a complete temporary-license application and a written statement of the reasons.
Commissioner determination
The commissioner must find the temporary license necessary to service an insurance business.
Duration
Not more than 180 days.
Eligibility
Member or employee of a licensed business entity whose designated individual principal producer died or became disabled.
Restriction
A temporary license is not issued solely because the applicant failed the examination and wants authority until passing.

Official no-examination sources

Effective from 2026-09-22.

Temporary producer — active military service
No examination is required for this applicant pathway.
Application
Provide a complete temporary-license application and a written statement of the reasons.
Commissioner determination
The commissioner must find the temporary license necessary to service an insurance business.
Duration
Not more than 180 days.
Eligibility
Designee of a licensed producer entering active service in the United States armed forces.
Restriction
A temporary license is not issued solely because the applicant failed the examination and wants authority until passing.

Official no-examination sources

Effective from 2026-09-22.

Temporary producer — other public interest circumstance
No examination is required for this applicant pathway.
Application
Provide a complete temporary-license application and a written statement of the reasons.
Commissioner determination
The commissioner must find the temporary license necessary to service an insurance business.
Duration
Not more than 180 days.
Eligibility
The commissioner determines that the public interest will best be served by issuing the temporary license.
Restriction
A temporary license is not issued solely because the applicant failed the examination and wants authority until passing.

Official no-examination sources

Effective from 2026-09-22.

North Dakota Accident and Health or Sickness Insurance Examination

Provider
PSI Services LLC
Format
Computer examination at an in-person PSI testing location
Exam questions
110 scored items (40 state; 70 general); 5 to 10 additional unscored experimental questions may be administered
Time limit
150 minutes
Passing score
70 percent; 77 correct answers
Exam fee
$67
Examination outline
  • Insurance Regulation (10 items)
    • Licensing
    • Licensing / Process (26.1-26-13.2, 13.3, 15; Reg 45-02-02-02)
    • Licensing / Types of licensees
    • Licensing / Types of licensees / Producer (26.1-26-02, 11)
    • Licensing / Types of licensees / Producer (26.1-26-02, 11) / Individual
    • Licensing / Types of licensees / Producer-agent of insured (26.1-26-07)
    • Licensing / Types of licensees / Producer-agent of insurer (26.1-26-06)
    • Licensing / Types of licensees / Consultants (26.1-26-35, 41; Reg 45-02-02-09, 10)
    • Licensing / Types of licensees / Nonresident producers (26.1-26-20, 47.1)
    • Licensing / Types of licensees / Temporary (26.1-26-26)
    • Licensing / Maintenance and duration
    • Licensing / Maintenance and duration / Renewal of appointments (26.1-26-32; Reg 45-02-02-07)
    • Licensing / Maintenance and duration / Termination (26.1-26-31; Reg 45-02-02-12)
    • Licensing / Maintenance and duration / Change of address (26.1-26-33; Reg 45-02-02-13)
    • Licensing / Maintenance and duration / Reporting of actions (26.1-26-45.1)
    • Licensing / Maintenance and duration / Assumed names (26.1-26-25.1)
    • Licensing / Maintenance and duration / Continuing education (26.1-26-31.1; Reg 45-02-04-03, 08–11, 13)
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / Refusal of license (26.1-26-39, 40, 42)
    • Licensing / Disciplinary actions / Cease and desist order (26.1-01-03.1; 26.1-04-13)
    • Licensing / Disciplinary actions / Suspension, revocation and probation (26.1-26-42–46)
    • Licensing / Disciplinary actions / Penalties for violations (26.1-01-03.3; 26.1-04-13–17; 26.1-26-50, 51)
    • State Regulation
    • State Regulation / Commissioner's general duties and powers (26.1-01-03; 26.1-04-09)
    • State Regulation / Company regulation
    • State Regulation / Company regulation / Unfair claims settlement practices (26.1-04-03(9))
    • State Regulation / Producer regulation
    • State Regulation / Producer regulation / Sharing commissions (26.1-26-04)
    • State Regulation / Company and agency regulation
    • State Regulation / Company and agency regulation / Examination of books and records (26.1-03-19.2; 26.1-26-48)
    • State Regulation / Company and agency regulation / Producer appointment (26.1-26-13.1; Reg 45-02-02-06)
    • State Regulation / Company and agency regulation / Termination of appointment (26.1-26-34; Reg 45-02-02-06)
    • State Regulation / Unfair practices
    • State Regulation / Unfair practices / Misrepresentation (26.1-04-03(1), (12), 07)
    • State Regulation / Unfair practices / False advertising (26.1-04-03(1), (2))
    • State Regulation / Unfair practices / Defamation (26.1-04-03(3))
    • State Regulation / Unfair practices / Boycott, coercion and intimidation (26.1-04-03(4), 04)
    • State Regulation / Unfair practices / False financial statements (26.1-04-03(5))
    • State Regulation / Unfair practices / Unfair discrimination (26.1-04-03(7), (11), 05)
    • State Regulation / Unfair practices / Rebating (26.1-04-03(8), 05, 06)
    • State Regulation / Unfair practices / Prohibited inducements (26.1-04-05, 06)
    • State Regulation / Unfair practices / Twisting (26.1-04-03(1))
    • State Regulation / Insurance fraud regulation (26.1-02.1-01–11)
    • State Regulation / Producer Legislation - STLD (26.1-36.8)
  • North Dakota Laws and Regulations Pertaining to Accident and Health Insurance (30 items)
    • Individual Accident and Health insurance policy clauses and provisions
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Entire contract; changes (Ref: 26.1-36-04(1)(a)(b))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Claim Procedures (Ref: 26.1-36-04(1)(g) through (k), 26.1-36-37.1)
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Physical examinations and autopsy (26.1-36.04(l))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Grace period (Ref: 26.1-36-04(e))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Pre-existing conditions (Ref: 26.1-36-04(d))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Incontestability (Ref: 26.1-36-04(1)(c))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Reinstatement (Ref: 26.1-36-04(f))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Legal Actions (Ref: 26.1-36-04(m))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Return of premium paid beyond month of death (26.1-36.04 (n))
    • Individual Accident and Health insurance policy clauses and provisions / Standard Provisions (Ref: Ref: 26.1-36-04(1)) / Right to return policy (free look) (26.1-36-02.1)
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Change of occupation (26.1-36-04 (a))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Misstatement of age (Ref: 26.1-36-04(b))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Overinsurance (26.1-36-04(c))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Unpaid premium (Ref: 26.1-36-04(d))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Cancellation (26.1-36-04 (e))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Conformity with state statutes (Ref: 26.1-36-04(f))
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Intoxicants and narcotics (Ref: 26.1-36-09.13)
    • Individual Accident and Health insurance policy clauses and provisions / Other Provisions (Ref: 26.1-36-04(2)) / Illegal occupation (Ref: 26.1-36-04(g))
    • Group Accident and Health insurance policy clauses and provisions
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Certificates of coverage (Ref: 26.1-36-05(7))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Grace period (Ref: 26.1-36-05(1))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Incontestability (Ref: 26.1-36-05(2))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Attachment of application (Ref: 26.1-36-05(3))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Exclusions or limitations (26.1-36-05(5))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Misstatement of age (Ref: 26.1-36-05(6))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Claim Procedures (Ref: 26.1-36-05(8) through (12))
    • Group Accident and Health insurance policy clauses and provisions / Standard provisions (Ref: 26.1-36-05(1–15)) / Physical examination and autopsy (26.1-36-05(13))
    • Group Accident and Health insurance policy clauses and provisions / Legal Action (Ref: 26.1-36-05(14))
    • Group Accident and Health insurance policy clauses and provisions / Other provisions
    • Group Accident and Health insurance policy clauses and provisions / Other provisions / Coordination of benefits (Ref: 26.1-36-10, Reg. 45-08-01.2)
    • Group Accident and Health insurance policy clauses and provisions / Other provisions / Continuation of coverage (Ref: 26.1-36-23)
    • Group Accident and Health insurance policy clauses and provisions / Other provisions / Coverage of former spouse and children (26.1-36-23.1)
    • Group Accident and Health insurance policy clauses and provisions / Other provisions / Dual choice option (26.1-36-26)
    • North Dakota requirements (individual and group)
    • North Dakota requirements (individual and group) / Eligibility requirements
    • North Dakota requirements (individual and group) / Eligibility requirements / Newborn/adopted children (26.1-36-07)
    • North Dakota requirements (individual and group) / Eligibility requirements / Child coverage; non-custodial parents (26.1-36.5-03, 36.1-36-22)
    • North Dakota requirements (individual and group) / Eligibility requirements / Dependent coverage (26.1-36-22)
    • North Dakota requirements (individual and group) / Eligibility requirements / Portability (26.1-36.4-04; Reg 45-06-11-01–05)
    • North Dakota requirements (individual and group) / Group mandated benefit options
    • North Dakota requirements (individual and group) / Group mandated benefit options / Prescription drugs (26.1-36-06(1))
    • North Dakota requirements (individual and group) / Group mandated benefit options / Chiropractic care (26.1-36-06)
    • North Dakota requirements (individual and group) / Marketing requirements
    • North Dakota requirements (individual and group) / Marketing requirements / Advertising (Reg 45-06-04-01)
    • North Dakota requirements (individual and group) / Marketing requirements / Life and Health Guaranty Association (26.1-38.1-16(1))
    • North Dakota requirements (individual and group) / Marketing requirements / Sales presentations (Reg 45-06-04)
    • North Dakota requirements (individual and group) / Underwriting requirements
    • North Dakota requirements (individual and group) / Underwriting requirements / Informed consent (testing of body fluids) (Reg 45-03-11-01)
    • North Dakota requirements (individual and group) / Underwriting requirements / Unfair discrimination (Reg 45-03-10-04)
    • North Dakota requirements (individual and group) / HIPAA (Health Insurance Portability and Accountability Act) requirements
    • Medicare Supplements
    • Medicare Supplements / Standards for marketing (Ref: Reg. 45-06-01.1-17)
    • Medicare Supplements / Open enrollment (Ref: Reg. 45-06-01.1-09)
    • Medicare Supplements / Advertising (Ref: 26.1-36.1-07; Reg. 45-06-01.1-16)
    • Medicare Supplements / Appropriateness of recommended purchase (Ref: Reg. 45-06-01.1-18)
    • Medicare Supplements / Outline of coverage (Ref: 26.1-36.1-05; Reg. 45-06-01.1-14(4))
    • Medicare Supplements / Right to return (free look) (Ref: 26.1-36.1-06)
    • Medicare Supplements / Replacement (Ref: Reg. 45-06-01.1-20)
    • Medicare Supplements / Minimum benefit standards (Ref: Reg. 45-06-01.1-06.1)
    • Medicare Supplements / Pre-existing conditions (Ref: Reg. 45-06-01.1-06.1)
    • Medicare Supplements / Required disclosure provisions (Reg 45-06-01.1-06.1)
    • Medicare Supplements / Permitted compensation arrangements (Ref: Reg. 45-06-01.1-13)
    • Medicare Supplements / Continuation and conversion requirements (Ref: Reg. 45-06-01.1-06.1(e))
    • Medicare Supplements / Notice of change (Ref: Reg. 45-06-01.1-14(2))
    • Medicare Supplements / Excessive or unnecessary coverage (duplication of coverage) (Ref: Reg. 45-02-02-14)
    • Medicare Supplements / Medicare SELECT (Reg 45-06-01.1-08)
    • Long-term Care Insurance
    • Long-term Care Insurance / Standards for Marketing (Ref: Reg. 45-06-05.1-21)
    • Long-term Care Insurance / Advertising (Reg 45-06-04)
    • Long-term Care Insurance / Shopper's guide (Ref: Reg. 45-06-05.1-28)
    • Long-term Care Insurance / Outline of coverage (Ref: 26.1-45-09; Reg. 45-06-05.1-27)
    • Long-term Care Insurance / Right to return (free look) (Ref: 26.1-45-09(1))
    • Long-term Care Insurance / Replacement (Ref: Reg 45-06-05.1-23)
    • Long-term Care Insurance / Renewal provisions (Ref: 26.1-45-05.2)
    • Long-term Care Insurance / Contingent non-forfeiture (Ref: 26.1-45-14; Reg. 45-06-05.1-24)
    • Long-term Care Insurance / Cancellation (Ref: 26.1-45-05)
    • Long-term Care Insurance / Required disclosure provisions (Ref: Reg 45-06-05.1-06; Reg 45-06-05.1-07)
    • Long-term Care Insurance / Inflation protection (Ref: Reg. 45-06-05.1-11)
    • Long-term Care Insurance / Pre-existing conditions (Ref: 26.1-45-05-06)
    • Long-term Care Insurance / Protection against unintentional lapse (Ref: Reg. 45-06-05.1-05)
    • Long-term Care Insurance / Suitability (Ref: Reg. 45-06-05.1-22)
    • Long-term Care Insurance / Minimum home health care benefits (Ref: 26.1-45-13; Reg 45-06-05.1-10)
    • Long-term Care Insurance / Qualified long-term care contracts (Ref: 26.1-45-01(6); Reg. 45-06-05.1-26)
    • Long-term Care Insurance / Standards for benefit triggers (Reg 45-06-05.1-25)
    • Long-term Care Insurance / Premium rate schedule increases (Reg 45-06-05.1-07; 45-06-05.1-01 Appendix F)
  • Federal Laws and Regulations (3 items)
    • Fair Credit Reporting Act - Purpose
    • Privacy [Gramm Leach Bliley]
    • Affordable Care Act (ACA)
    • National Do Not Call List
    • CAN-SPAM Act
  • General Insurance Concepts (7 items)
    • Risk
    • Risk / Methods of Handling Risk (Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk / Elements of Insurable Risks
    • Risk / Definitions (Risk, Hazard, Peril, Loss)
    • Elements of a Contract
    • Elements of a Contract / Consideration
    • Elements of a Contract / Competent Parties
    • Elements of a Contract / Legal Purpose
    • Elements of a Contract / Offer
    • Elements of a Contract / Acceptance
    • Authority and Powers of Producers
    • Authority and Powers of Producers / Express
    • Authority and Powers of Producers / Implied
    • Authority and Powers of Producers / Apparent
    • Authority and Powers of Producers / The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts / Reasonable Expectations
    • Legal Interpretations Affecting Contracts / Indemnity
    • Legal Interpretations Affecting Contracts / Good Faith
    • Legal Interpretations Affecting Contracts / Fraud
    • Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
  • Accident and Health Insurance Basics (13 items)
    • Field Underwriting
    • Field Underwriting / Application Procedures
    • Field Underwriting / Disclosures and Privacy
    • Underwriting Requirements (Varies by Insurer)
    • Sources of Underwriting
    • Sources of Underwriting / Application
    • Sources of Underwriting / Producer's report
    • Sources of Underwriting / Medical information bureau (MIB)
    • Sources of Underwriting / Inspection report
    • Sources of Underwriting / Medical examination
    • Sources of Underwriting / Attending physician's report
    • Policy Delivery
    • Policy Delivery / Effective Date of Coverage
    • Policy Delivery / Policy Review
    • Policy Delivery / Premium Collection Methods (e.g., Electronic, Physical, EFT, ACH)
    • Policy Delivery / Statement of Good Health
    • Definitions of Perils
    • Definitions of Perils / Accidental Injury
    • Definitions of Perils / Sickness
    • Types of Losses and Benefits
    • Types of Losses and Benefits / Loss of Income from Disability (Short-Term/Long-Term Disability)
    • Types of Losses and Benefits / Medical Expense
    • Types of Losses and Benefits / Long-Term Care Expense
    • Classification of Risks
    • Classification of Risks / Preferred
    • Classification of Risks / Standard
    • Classification of Risks / Substandard
  • Individual Accident and Health Insurance Policy Provisions (12 Items)
    • Uniform Required Provisions
    • Uniform Required Provisions / Time Limit on Certain Defenses
    • Uniform Required Provisions / Grace Period
    • Uniform Required Provisions / Reinstatement
    • Uniform Required Provisions / Claim Forms
    • Uniform Required Provisions / Proof of Loss
    • Uniform Required Provisions / Time of Payment of Claims
    • Uniform Required Provisions / Physical Examinations and Autopsy
    • Uniform Required Provisions / Legal Actions
    • Uniform Required Provisions / Entire Contract
    • Uniform Required Provisions / Payment of Claims
    • Uniform Required Provisions / Change of Beneficiary
    • Uniform Required Provisions / Notice of Claim
    • Uniform Optional Provisions
    • Uniform Optional Provisions / Change of Occupation
    • Uniform Optional Provisions / Misstatement of Age/Sex
    • Uniform Optional Provisions / Illegal Occupation
    • Uniform Optional Provisions / Intoxicants, Narcotics, or Other Controlled Substances
    • Other General Provisions
    • Other General Provisions / Right to Examine/Free Look
    • Other General Provisions / Insuring Clause
    • Other General Provisions / Consideration Clause
    • Other General Provisions / Coinsurance
    • Other General Provisions / Probationary Period
    • Other General Provisions / Elimination Period
    • Other General Provisions / Exclusions
  • Disability Income and Related Insurance (7 items)
    • Benefits Determination for Disability
    • Benefits Determination for Disability / Indemnity
    • Benefits Determination for Disability / Loss of Income
    • Qualifications of Disability
    • Qualifications of Disability / Total (Own Occupation, Any Occupation)
    • Qualifications of Disability / Partial
    • Qualifications of Disability / Permanent
    • Qualifications of Disability / Presumptive
    • Qualifications of Disability / Recurrent
    • Qualifications of Disability / Residual
    • Qualifications of Disability / Inability to Perform Duties
    • Qualifications of Disability / Occupational versus Non-Occupational
    • Individual Disability Income Insurance
    • Individual Disability Income Insurance / Basic Total Disability Plan
    • Individual Disability Income Insurance / Cost of Living Rider
    • Individual Disability Income Insurance / Future Increase Option Rider
    • Individual Disability Income Insurance / Change of Occupation
    • Individual Disability Income Insurance / Other Cash Benefits - (Accidental Death and Dismemberment (AD&D), Rehabilitation Benefit, Medical Reimbursement Benefit)
    • Individual Disability Income Insurance / Refund Provisions
    • Individual Disability Income Insurance / Exclusions
    • Individual Disability Income Insurance / Waiver of Premium
    • Individual Disability Income Insurance / Probationary Period
    • Individual Disability Income Insurance / Elimination Period
    • Individual Disability Income Insurance / Benefit Limits
    • Unique Aspects of Individual Disability Income Underwriting
    • Unique Aspects of Individual Disability Income Underwriting / Occupational Considerations
    • Unique Aspects of Individual Disability Income Underwriting / Benefit Limits
    • Unique Aspects of Individual Disability Income Underwriting / Policy Issuance Alternatives
    • Group Disability Income Insurance
    • Group Disability Income Insurance / Short-Term Disability
    • Group Disability Income Insurance / Long-Term Disability
    • Group Disability Income Insurance / Coordination of Benefits (Workers' Compensation Benefits and Social Insurance)
    • Group Disability Income Insurance / At-work benefits
    • Business Disability Income Insurance
    • Business Disability Income Insurance / Key Employee Disability Income
    • Business Disability Income Insurance / Disability Buy-Sell Policy
    • Social Security Disability Income
    • Social Security Disability Income / Qualification for Disability Benefits
    • Social Security Disability Income / Definition of Disability
    • Social Security Disability Income / Waiting Period
  • Medical Plans (15 items)
    • Medical Plan Concepts
    • Medical Plan Concepts / Fee-for-Service
    • Medical Plan Concepts / Prepaid
    • Medical Plan Concepts / Specified disease/Dread disease insurance
    • Medical Plan Concepts / Comprehensive Coverage
    • Medical Plan Concepts / Dependent Coverage
    • Provisions and Clauses
    • Provisions and Clauses / Deductibles
    • Provisions and Clauses / Stop-Loss Provision
    • Types of Medical Plans
    • Types of Medical Plans / Major Medical Insurance
    • Types of Medical Plans / Health Maintenance Organizations (HMOs)
    • Types of Medical Plans / Preferred Provider Organizations (PPOs)
    • Types of Medical Plans / Point-of-Service (POS) Plans
    • Cost Containment in Health Care Delivery
    • Cost Containment in Health Care Delivery / Managed Care
    • Cost Containment in Health Care Delivery / Preventive Care
    • Cost Containment in Health Care Delivery / Outpatient Benefits
    • Cost Containment in Health Care Delivery / Utilization Management
    • Cost Containment in Health Care Delivery / Preauthorization
    • Cost Containment in Health Care Delivery / Primary Care Physician
    • Limited Health Insurance Policies
    • Limited Health Insurance Policies / Accidental Death and Dismemberment
    • Limited Health Insurance Policies / Hospital indemnity
    • Limited Health Insurance Policies / Critical Illness/Dread Disease
    • Limited Health Insurance Policies / Vision Care
    • Limited Health Insurance Policies / Hearing
    • Limited Health Insurance Policies / Dental
    • Health Insurance Portability and Accountability Act (HIPAA)
    • Health Insurance Portability and Accountability Act (HIPAA) / Eligibility Requirements
    • Health Insurance Portability and Accountability Act (HIPAA) / Terms
    • Health Insurance Portability and Accountability Act (HIPAA) / Privacy
    • Health Insurance Portability and Accountability Act (HIPAA) / Portability
    • Affordable Care Act (ACA)
    • Affordable Care Act (ACA) / Eligibility
    • Affordable Care Act (ACA) / Dependent coverage
    • Affordable Care Act (ACA) / Essential health benefits
    • Affordable Care Act (ACA) / Levels of Coverage (Metallic Plans)
  • Group Health Insurance (4 items)
    • Characteristics of Group Health Insurance
    • Characteristics of Group Health Insurance / Group Contract
    • Characteristics of Group Health Insurance / Certificate of Coverage
    • Characteristics of Group Health Insurance / Eligible Groups
    • Characteristics of Group Health Insurance / Contributory versus Non-Contributory
    • Employer Group Health Insurance
    • Employer Group Health Insurance / Underwriting Criteria
    • Employer Group Health Insurance / Eligibility for Insurance
    • Employer Group Health Insurance / Conversion of Coverage
    • Employer Group Health Insurance / Open Enrollment
    • Employer Group Health Insurance / Probation/Waiting Period
    • Employer Group Health Insurance / Coordination of Benefits
    • COBRA
    • COBRA / Eligibility
    • COBRA / Duration of Coverage
    • COBRA / Premium
  • Specialized Health Insurance for Qualified Individuals (6 Items)
    • Medicare
    • Medicare / Eligibility
    • Medicare / Part A
    • Medicare / Part B
    • Medicare / Part C
    • Medicare / Part D
    • Medicare Supplement Insurance
    • Medicare Supplement Insurance / Enrollment Periods
    • Medicare Supplement Insurance / Standardized Plan Benefits
    • Medicaid
    • Medicaid / Eligibility
    • Long-Term Care Policies
    • Long-Term Care Policies / Eligibility for Benefits (Activities of Daily Living)
    • Long-Term Care Policies / Benefit/Elimination Periods
    • Long-Term Care Policies / Levels of care (Skilled, Intermediate, Custodial)
  • Federal Tax Considerations for Health Insurance (3 items)
    • Health Insurance Premiums and Benefits
    • Health Insurance Premiums and Benefits / Individual
    • Health Insurance Premiums and Benefits / Group
    • Health Insurance Premiums and Benefits / Disability Income (Individual and Group)
    • Health Insurance Premiums and Benefits / Business Disability Insurance
    • Consumer-Driven Health Plans
    • Consumer-Driven Health Plans / Health Savings Accounts (HSAs)
    • Consumer-Driven Health Plans / Health Savings Accounts (HSAs) / High Deductible Health Plans (HDHPs)
    • Consumer-Driven Health Plans / Health Reimbursement Arrangements (HRAs)
    • Consumer-Driven Health Plans / Flexible Spending Accounts (FSAs)
Examination sources