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North Dakota Life Insurance — Requirements & Free Practice

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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 — Life

Producer licensing for Life authority. A designated licensed producer is an applicant condition of the entity; examinations below are the currently offered examinations the route involves.

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

Addition of authority to an existing nonresident license
No examination is required for this applicant pathway.
Annuity training
Before selling, soliciting or negotiating annuities, complete four hours of North Dakota-approved annuity training or substantially similar training accepted from elsewhere. This training is a condition, not a licensing examination.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Designated producer
Maintain a designated principal or affiliated individual holding North Dakota authority for the requested line. A nonresident entity maintains its home-state entity license where its home state issues such licenses.
Existing license
Hold an active North Dakota nonresident producer license; request only a line held in the home state. Current instructions specify only the NIPR transaction fee.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident perpetual entity license maintenance
No examination is required for this applicant pathway.
Continuation
The Department expressly states the entity license is perpetual without renewal or continuation while its stated conditions hold.
Designated producer
Keep a North Dakota designated responsible licensed producer for each line; notify address changes within thirty days.
Home state
A nonresident entity also maintains its resident insurance producer license where its home jurisdiction issues entity licenses.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Annuity training
Before selling, soliciting or negotiating annuities, complete four hours of North Dakota-approved annuity training or substantially similar training accepted from elsewhere. This training is a condition, not a licensing examination.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Designated producer
Maintain a designated principal or affiliated individual holding North Dakota authority for the requested line. A nonresident entity maintains its home-state entity license where its home state issues such licenses.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident entity reapplication after termination
No examination is required for this applicant pathway.
Annuity training
Before selling, soliciting or negotiating annuities, complete four hours of North Dakota-approved annuity training or substantially similar training accepted from elsewhere. This training is a condition, not a licensing examination.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Designated producer
Maintain a designated principal or affiliated individual holding North Dakota authority for the requested line. A nonresident entity maintains its home-state entity license where its home state issues such licenses.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Addition of authority to an existing resident license
North Dakota Life and Annuity Insurance Examination
Designated producer
At least one designated principal producer must be licensed in North Dakota for this added line; the entity applies for the additional line.
Examination evidence
For lines with a qualifying examination, the designated principal, rather than the entity, carries the statutory passing-examination evidence.
Resident perpetual entity license maintenance
No examination is required for this applicant pathway.
Continuation
The Department expressly states the entity license is perpetual without renewal or continuation while its stated conditions hold.
Designated producer
Keep a North Dakota designated responsible licensed producer for each line; notify address changes within thirty days.
Home state
Maintain compliance with North Dakota corporate requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure
North Dakota Life and Annuity Insurance Examination
Annuity training
Before selling, soliciting or negotiating annuities, complete four hours of North Dakota-approved annuity training or substantially similar training accepted from elsewhere. This training is a condition, not a licensing examination.
Application
Submit the uniform business entity application and $100 initial licensing fee; comply with applicable corporate filing requirements.
Changes
Report principal-producer status changes within ten working days and address changes within thirty days.
Designated producer
Designate a licensed North Dakota principal producer responsible for compliance and licensed for each requested line. Section 26.1-26-13.3(4)(c) requires that the designated principal have taken the qualifying examination; the entity itself does not sit the examination.
Resident entity reapplication after termination
North Dakota Life and Annuity Insurance Examination
Annuity training
Before selling, soliciting or negotiating annuities, complete four hours of North Dakota-approved annuity training or substantially similar training accepted from elsewhere. This training is a condition, not a licensing examination.
Application
Submit the uniform business entity application and $100 initial licensing fee; comply with applicable corporate filing requirements.
Changes
Report principal-producer status changes within ten working days and address changes within thirty days.
Designated producer
Designate a licensed North Dakota principal producer responsible for compliance and licensed for each requested line. Section 26.1-26-13.3(4)(c) requires that the designated principal have taken the qualifying examination; the entity itself does not sit the examination.

Insurance Producer License — Life

Producer licensing for Life authority. Resident, nonresident and continuing-license pathways are distinguished below.

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

Addition of authority to an existing nonresident license
No examination is required for this applicant pathway.
Annuity training
Before selling, soliciting or negotiating annuities, complete four hours of North Dakota-approved annuity training or substantially similar training accepted from elsewhere. This training is a condition, not a licensing examination.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Existing license
Hold an active North Dakota nonresident producer license; request only a line held in the home state. Current instructions specify only the NIPR transaction fee.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial continuation
No examination is required for this applicant pathway.
Continuation
File a biennial continuation by the last day of the birth month following the two-year issuance anniversary and every two years thereafter; pay $25. There is no post-expiration grace period.
Course assessments
Section 45-02-04-03(9) does not require course examinations unless a provider requires them; such course completion is an education condition rather than an identified licensing examination.
Education
Resident Life and Variable Life licensees complete twenty-four approved hours, including three ethics hours. Nonresidents meet home-state CE and remain in good standing.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Annuity training
Before selling, soliciting or negotiating annuities, complete four hours of North Dakota-approved annuity training or substantially similar training accepted from elsewhere. This training is a condition, not a licensing examination.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident relicensure after cancellation
No examination is required for this applicant pathway.
Annuity training
Before selling, soliciting or negotiating annuities, complete four hours of North Dakota-approved annuity training or substantially similar training accepted from elsewhere. This training is a condition, not a licensing examination.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reapplication
The Department directs canceled nonresident licensees to reapply with an initial application and $100 fee.
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Addition of authority to an existing resident license
North Dakota Life and Annuity Insurance Examination
Existing license
Hold an active North Dakota producer license and request this additional line; the additional line may be transacted only after approval.
Fee
The pinned PSI bulletin states that adding a line to an active license has no state fee.
Fingerprinting
An existing active individual license holder adding a line need not be fingerprinted again.
Resident biennial continuation
No examination is required for this applicant pathway.
Continuation
File a biennial continuation by the last day of the birth month following the two-year issuance anniversary and every two years thereafter; pay $25. There is no post-expiration grace period.
Course assessments
Section 45-02-04-03(9) does not require course examinations unless a provider requires them; such course completion is an education condition rather than an identified licensing examination.
Education
Resident Life and Variable Life licensees complete twenty-four approved hours, including three ethics hours. Nonresidents meet home-state CE and remain in good standing.
Statutory ce exception
Section 26.1-26-31.1(1) retains the January 1, 2010 age-and-continuous-licensure exception. The lower-ranked Department producer page states, "The Rule of 85 exemption has been repealed." The statutory text governs this survey; the applicant should see the Department statement.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure
North Dakota Life and Annuity Insurance Examination
Annuity training
Before selling, soliciting or negotiating annuities, complete four hours of North Dakota-approved annuity training or substantially similar training accepted from elsewhere. This training is a condition, not a licensing examination.
Application
Submit the uniform application, make complete and truthful disclosures, and pay the required licensing fee. The pinned PSI bulletin and Department instructions specify a $100 initial license fee.
Character
The commissioner must find the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Criminal history
Initial resident individuals undergo the criminal-history and fingerprint process; continuation and applications within twelve months of cancellation or expiration are excepted unless the license was suspended or revoked.
Exam score window
For initial issuance, apply and obtain licensure within one year of the passing examination. A passing score remains valid while the North Dakota license is continuously active and for twelve months following cancellation; suspension or revocation ends score validity unless its order specifies otherwise.
Minimum age
At least eighteen years of age.
Prelicensing education
North Dakota does not require prelicensing classroom education.
Residency
Reside in North Dakota or maintain a principal place of business here; elect North Dakota resident licensing and do not simultaneously hold another resident license.
Resident issuance using a current or recently canceled qualifying license
No examination is required for this applicant pathway.
Application
Submit the uniform application, make complete and truthful disclosures, and pay the required licensing fee. The pinned PSI bulletin and Department instructions specify a $100 initial license fee.
Character
The commissioner must find the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Criminal history
Initial resident individuals undergo the criminal-history and fingerprint process; continuation and applications within twelve months of cancellation or expiration are excepted unless the license was suspended or revoked.
Exam exemption
Previously licensed for the same line elsewhere; currently licensed there or apply within ninety days of cancellation with good-standing certification or producer-database proof.
Exam score window
For initial issuance, apply and obtain licensure within one year of the passing examination. A passing score remains valid while the North Dakota license is continuously active and for twelve months following cancellation; suspension or revocation ends score validity unless its order specifies otherwise.
Minimum age
At least eighteen years of age.
Prelicensing education
North Dakota does not require prelicensing classroom education.
Residency
Reside in North Dakota or maintain a principal place of business here; elect North Dakota resident licensing and do not simultaneously hold another resident license.

Official no-examination sources

Effective from 2026-09-22.

Resident relicensure after voluntary cancellation or failure to continue
North Dakota Life and Annuity Insurance Examination
Application
Reapply with an initial application and $100 fee following cancellation or expiration.
Continuing education
For resident relicensure within twelve months, satisfy continuing education as though the license had remained continuously active. Section 45-02-04-15 points to subsection 7 of Section 45-02-02-03, but the operative score-validity text is subsection 5.
Criminal history
Fingerprint and background-check exception applies to applications within twelve months after cancellation or expiration, unless suspension or revocation applies.
Limited lines ce
Life producers satisfy applicable continuing education, including ethics.
Prior score
The currently offered qualifying examination remains a requirement reference. If its passing score remains valid under Section 45-02-02-03(5), the applicant need not sit it again; otherwise a new passing score is needed.
Conversion from resident to nonresident licensing
No examination is required for this applicant pathway.
Annuity training
Before selling, soliciting or negotiating annuities, complete four hours of North Dakota-approved annuity training or substantially similar training accepted from elsewhere. This training is a condition, not a licensing examination.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Residence change
Request the conversion and letter of clearance; provide certification from the new resident jurisdiction within thirty days. There is no conversion fee.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

New resident transfer of the same authority
No examination is required for this applicant pathway.
Application
Submit the uniform application, make complete and truthful disclosures, and pay the required licensing fee. The pinned PSI bulletin and Department instructions specify a $100 initial license fee.
Character
The commissioner must find the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Criminal history
Initial resident individuals undergo the criminal-history and fingerprint process; continuation and applications within twelve months of cancellation or expiration are excepted unless the license was suspended or revoked.
Exam exemption
Apply within ninety days of establishing North Dakota legal residence for a line held in the prior resident jurisdiction; provide clearance and cancel the other active resident license.
Exam score window
For initial issuance, apply and obtain licensure within one year of the passing examination. A passing score remains valid while the North Dakota license is continuously active and for twelve months following cancellation; suspension or revocation ends score validity unless its order specifies otherwise.
Minimum age
At least eighteen years of age.
Prelicensing education
North Dakota does not require prelicensing classroom education.
Residency
Reside in North Dakota or maintain a principal place of business here; elect North Dakota resident licensing and do not simultaneously hold another resident license.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License — Life

Temporary authority for servicing a life-insurance business, subject to commissioner approval and a maximum of 180 days.

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

Temporary license following an individual producer death or disability
No examination is required for this applicant pathway.
Applicant
Surviving spouse, next of kin, administrator, executor or employee of a deceased producer; or spouse, next of kin, employee or legal guardian of a disabled producer.
Application
Submit the prescribed application and a written statement of reasons. A temporary license will not be granted solely because the applicant failed the examination and seeks a license pending a passing score.
Approval
Commissioner must determine a temporary license necessary for servicing the business; maximum duration 180 days.

Official no-examination sources

Effective from 2026-09-22.

Temporary license following an entity principal death or disability
No examination is required for this applicant pathway.
Applicant
Member or employee of a licensed business entity following death or disability of its designated principal producer.
Application
Submit the prescribed application and a written statement of reasons. A temporary license will not be granted solely because the applicant failed the examination and seeks a license pending a passing score.
Approval
Commissioner must determine a temporary license necessary for servicing the business; maximum duration 180 days.

Official no-examination sources

Effective from 2026-09-22.

Temporary license for a military service designee
No examination is required for this applicant pathway.
Applicant
Designee of a licensed producer entering active United States armed-forces service.
Application
Submit the prescribed application and a written statement of reasons. A temporary license will not be granted solely because the applicant failed the examination and seeks a license pending a passing score.
Approval
Commissioner must determine a temporary license necessary for servicing the business; maximum duration 180 days.

Official no-examination sources

Effective from 2026-09-22.

Other temporary licensing in the public interest
No examination is required for this applicant pathway.
Applicant
The commissioner determines that the public interest is best served by issuance.
Application
Submit the prescribed application and a written statement of reasons. A temporary license will not be granted solely because the applicant failed the examination and seeks a license pending a passing score.
Approval
Commissioner must determine a temporary license necessary for servicing the business; maximum duration 180 days.

Official no-examination sources

Effective from 2026-09-22.

limited lines travel insurance producer license

Business-entity licensure for travel insurance, including death occurring during travel; the designated principal producer must hold the relevant lines and satisfy the applicable examination requirement.

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

Addition of authority to an existing nonresident license
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Designated producer
Maintain a designated principal or affiliated individual holding North Dakota authority for the requested line. A nonresident entity maintains its home-state entity license where its home state issues such licenses.
Existing license
Hold an active North Dakota nonresident producer license; request only a line held in the home state. Current instructions specify only the NIPR transaction fee.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Limited authority
North Dakota grants the same limited scope of authority as the home-state license under Section 26.1-26-20(5).
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident perpetual entity license maintenance
No examination is required for this applicant pathway.
Continuation
The Department expressly states the entity license is perpetual without renewal or continuation while its stated conditions hold.
Designated producer
Keep a North Dakota designated responsible licensed producer for each line; notify address changes within thirty days.
Home state
A nonresident entity also maintains its resident insurance producer license where its home jurisdiction issues entity licenses.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Designated producer
Maintain a designated principal or affiliated individual holding North Dakota authority for the requested line. A nonresident entity maintains its home-state entity license where its home state issues such licenses.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Limited authority
North Dakota grants the same limited scope of authority as the home-state license under Section 26.1-26-20(5).
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident entity reapplication after termination
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Designated producer
Maintain a designated principal or affiliated individual holding North Dakota authority for the requested line. A nonresident entity maintains its home-state entity license where its home state issues such licenses.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Limited authority
North Dakota grants the same limited scope of authority as the home-state license under Section 26.1-26-20(5).
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Addition of authority to an existing resident license
No examination is required for this applicant pathway.
Designated producer
At least one designated principal producer must be licensed in North Dakota for this added line; the entity applies for the additional line.
Examination evidence
For lines with a qualifying examination, the designated principal, rather than the entity, carries the statutory passing-examination evidence.

Official no-examination sources

Effective from 2026-09-22.

Resident perpetual entity license maintenance
No examination is required for this applicant pathway.
Continuation
The Department expressly states the entity license is perpetual without renewal or continuation while its stated conditions hold.
Designated producer
Keep a North Dakota designated responsible licensed producer for each line; notify address changes within thirty days.
Home state
Maintain compliance with North Dakota corporate requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure
No examination is required for this applicant pathway.
Application
Submit the uniform business entity application and $100 initial licensing fee; comply with applicable corporate filing requirements.
Changes
Report principal-producer status changes within ten working days and address changes within thirty days.
Designated producer
Designate a licensed North Dakota principal producer responsible for compliance and licensed for each requested line. Section 26.1-26-13.3(4)(c) requires that the designated principal have taken the qualifying examination; the entity itself does not sit the examination.
Scope
Authority is limited to travel insurance, including death coverage incident to travel; applicable training and retailer supervision are conditions, not examination leaves.

Official no-examination sources

Effective from 2026-09-22.

Resident entity reapplication after termination
No examination is required for this applicant pathway.
Application
Submit the uniform business entity application and $100 initial licensing fee; comply with applicable corporate filing requirements.
Changes
Report principal-producer status changes within ten working days and address changes within thirty days.
Designated producer
Designate a licensed North Dakota principal producer responsible for compliance and licensed for each requested line. Section 26.1-26-13.3(4)(c) requires that the designated principal have taken the qualifying examination; the entity itself does not sit the examination.
Scope
Authority is limited to travel insurance, including death coverage incident to travel; applicable training and retailer supervision are conditions, not examination leaves.

Official no-examination sources

Effective from 2026-09-22.

limited lines travel insurance producer license

Producer licensing for Limited Lines Travel (including Travel Death Coverage) authority. Resident, nonresident and continuing-license pathways are distinguished below.

Licensing authority: North Dakota Insurance Department · Application information

Addition of authority to an existing nonresident license
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Existing license
Hold an active North Dakota nonresident producer license; request only a line held in the home state. Current instructions specify only the NIPR transaction fee.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Limited authority
North Dakota grants the same limited scope of authority as the home-state license under Section 26.1-26-20(5).
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial continuation
No examination is required for this applicant pathway.
Continuation
File a biennial continuation by the last day of the birth month following the two-year issuance anniversary and every two years thereafter; pay $25. There is no post-expiration grace period.
Course assessments
Section 45-02-04-03(9) does not require course examinations unless a provider requires them; such course completion is an education condition rather than an identified licensing examination.
Education
Exclusively Credit or Travel licensees are exempt from continuing education; all individual licensees still file and pay for biennial continuation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Limited authority
North Dakota grants the same limited scope of authority as the home-state license under Section 26.1-26-20(5).
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident relicensure after cancellation
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Limited authority
North Dakota grants the same limited scope of authority as the home-state license under Section 26.1-26-20(5).
Reapplication
The Department directs canceled nonresident licensees to reapply with an initial application and $100 fee.
Reciprocity
The home state must license North Dakota residents on the same basis.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Addition of authority to an existing resident license
No examination is required for this applicant pathway.
Existing license
Hold an active North Dakota producer license and request this additional line; the additional line may be transacted only after approval.
Fee
The pinned PSI bulletin states that adding a line to an active license has no state fee.
Fingerprinting
An existing active individual license holder adding a line need not be fingerprinted again.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial continuation
No examination is required for this applicant pathway.
Continuation
File a biennial continuation by the last day of the birth month following the two-year issuance anniversary and every two years thereafter; pay $25. There is no post-expiration grace period.
Course assessments
Section 45-02-04-03(9) does not require course examinations unless a provider requires them; such course completion is an education condition rather than an identified licensing examination.
Education
Exclusively Credit or Travel licensees are exempt from continuing education; all individual licensees still file and pay for biennial continuation.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure
No examination is required for this applicant pathway.
Application
Submit the uniform application, make complete and truthful disclosures, and pay the required licensing fee. The pinned PSI bulletin and Department instructions specify a $100 initial license fee.
Character
The commissioner must find the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Criminal history
Initial resident individuals undergo the criminal-history and fingerprint process; continuation and applications within twelve months of cancellation or expiration are excepted unless the license was suspended or revoked.
Exam score window
For initial issuance, apply and obtain licensure within one year of the passing examination. A passing score remains valid while the North Dakota license is continuously active and for twelve months following cancellation; suspension or revocation ends score validity unless its order specifies otherwise.
Minimum age
At least eighteen years of age.
Prelicensing education
North Dakota does not require prelicensing classroom education.
Residency
Reside in North Dakota or maintain a principal place of business here; elect North Dakota resident licensing and do not simultaneously hold another resident license.
Scope
Authority is limited to travel insurance, including death coverage incident to travel; applicable training and retailer supervision are conditions, not examination leaves.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance using a current or recently canceled qualifying license
No examination is required for this applicant pathway.
Application
Submit the uniform application, make complete and truthful disclosures, and pay the required licensing fee. The pinned PSI bulletin and Department instructions specify a $100 initial license fee.
Character
The commissioner must find the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Criminal history
Initial resident individuals undergo the criminal-history and fingerprint process; continuation and applications within twelve months of cancellation or expiration are excepted unless the license was suspended or revoked.
Exam exemption
Previously licensed for the same line elsewhere; currently licensed there or apply within ninety days of cancellation with good-standing certification or producer-database proof.
Exam score window
For initial issuance, apply and obtain licensure within one year of the passing examination. A passing score remains valid while the North Dakota license is continuously active and for twelve months following cancellation; suspension or revocation ends score validity unless its order specifies otherwise.
Minimum age
At least eighteen years of age.
Prelicensing education
North Dakota does not require prelicensing classroom education.
Residency
Reside in North Dakota or maintain a principal place of business here; elect North Dakota resident licensing and do not simultaneously hold another resident license.

Official no-examination sources

Effective from 2026-09-22.

Resident relicensure after voluntary cancellation or failure to continue
No examination is required for this applicant pathway.
Application
Reapply with an initial application and $100 fee following cancellation or expiration.
Continuing education
For resident relicensure within twelve months, satisfy continuing education as though the license had remained continuously active. Section 45-02-04-15 points to subsection 7 of Section 45-02-02-03, but the operative score-validity text is subsection 5.
Criminal history
Fingerprint and background-check exception applies to applications within twelve months after cancellation or expiration, unless suspension or revocation applies.
Limited lines ce
A producer holding only Credit or Travel and other enumerated limited lines is exempt from continuing education.
Prior score
The Department's resident application instructions state that no examination is required for Travel. Section 45-02-02-04(3) exempts the travel-and-baggage coverage within its stated scope from examination requirements. General passing-score validity provisions do not create a qualifying-examination or new-score requirement for an application covered by this Travel exemption.

Official no-examination sources

Effective from 2026-09-22.

Conversion from resident to nonresident licensing
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Limited authority
North Dakota grants the same limited scope of authority as the home-state license under Section 26.1-26-20(5).
Reciprocity
The home state must license North Dakota residents on the same basis.
Residence change
Request the conversion and letter of clearance; provide certification from the new resident jurisdiction within thirty days. There is no conversion fee.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

New resident transfer of the same authority
No examination is required for this applicant pathway.
Application
Submit the uniform application, make complete and truthful disclosures, and pay the required licensing fee. The pinned PSI bulletin and Department instructions specify a $100 initial license fee.
Character
The commissioner must find the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Criminal history
Initial resident individuals undergo the criminal-history and fingerprint process; continuation and applications within twelve months of cancellation or expiration are excepted unless the license was suspended or revoked.
Exam exemption
Apply within ninety days of establishing North Dakota legal residence for a line held in the prior resident jurisdiction; provide clearance and cancel the other active resident license.
Exam score window
For initial issuance, apply and obtain licensure within one year of the passing examination. A passing score remains valid while the North Dakota license is continuously active and for twelve months following cancellation; suspension or revocation ends score validity unless its order specifies otherwise.
Minimum age
At least eighteen years of age.
Prelicensing education
North Dakota does not require prelicensing classroom education.
Residency
Reside in North Dakota or maintain a principal place of business here; elect North Dakota resident licensing and do not simultaneously hold another resident license.

Official no-examination sources

Effective from 2026-09-22.

Business Entity Insurance Producer License — Variable Life and Variable Annuity

Business-entity producer licensing for the variable life and variable annuity line, with designated-principal licensing and examination conditions and a securities-salesman prerequisite.

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

Addition of authority to an existing nonresident license
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Designated producer
Maintain a designated principal or affiliated individual holding North Dakota authority for the requested line. A nonresident entity maintains its home-state entity license where its home state issues such licenses.
Existing license
Hold an active North Dakota nonresident producer license; request only a line held in the home state. Current instructions specify only the NIPR transaction fee.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Securities registration
First obtain the securities-salesperson registration required by Section 45-02-02-11; securities qualification is another profession and is only an applicant condition.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident perpetual entity license maintenance
No examination is required for this applicant pathway.
Continuation
The Department expressly states the entity license is perpetual without renewal or continuation while its stated conditions hold.
Designated producer
Keep a North Dakota designated responsible licensed producer for each line; notify address changes within thirty days.
Home state
A nonresident entity also maintains its resident insurance producer license where its home jurisdiction issues entity licenses.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Designated producer
Maintain a designated principal or affiliated individual holding North Dakota authority for the requested line. A nonresident entity maintains its home-state entity license where its home state issues such licenses.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Securities registration
First obtain the securities-salesperson registration required by Section 45-02-02-11; securities qualification is another profession and is only an applicant condition.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident entity reapplication after termination
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Designated producer
Maintain a designated principal or affiliated individual holding North Dakota authority for the requested line. A nonresident entity maintains its home-state entity license where its home state issues such licenses.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Securities registration
First obtain the securities-salesperson registration required by Section 45-02-02-11; securities qualification is another profession and is only an applicant condition.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Resident perpetual entity license maintenance
No examination is required for this applicant pathway.
Continuation
The Department expressly states the entity license is perpetual without renewal or continuation while its stated conditions hold.
Designated producer
Keep a North Dakota designated responsible licensed producer for each line; notify address changes within thirty days.
Home state
Maintain compliance with North Dakota corporate requirements.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Variable Life and Variable Annuity

Insurance producer licensing for the variable life and variable annuity line requires first becoming licensed as a securities salesman under North Dakota law.

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

Addition of authority to an existing nonresident license
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Existing license
Hold an active North Dakota nonresident producer license; request only a line held in the home state. Current instructions specify only the NIPR transaction fee.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Securities registration
First obtain the securities-salesperson registration required by Section 45-02-02-11; securities qualification is another profession and is only an applicant condition.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial continuation
No examination is required for this applicant pathway.
Continuation
File a biennial continuation by the last day of the birth month following the two-year issuance anniversary and every two years thereafter; pay $25. There is no post-expiration grace period.
Course assessments
Section 45-02-04-03(9) does not require course examinations unless a provider requires them; such course completion is an education condition rather than an identified licensing examination.
Education
Resident Life and Variable Life licensees complete twenty-four approved hours, including three ethics hours. Nonresidents meet home-state CE and remain in good standing.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Securities registration
First obtain the securities-salesperson registration required by Section 45-02-02-11; securities qualification is another profession and is only an applicant condition.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Nonresident relicensure after cancellation
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reapplication
The Department directs canceled nonresident licensees to reapply with an initial application and $100 fee.
Reciprocity
The home state must license North Dakota residents on the same basis.
Securities registration
First obtain the securities-salesperson registration required by Section 45-02-02-11; securities qualification is another profession and is only an applicant condition.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial continuation
No examination is required for this applicant pathway.
Continuation
File a biennial continuation by the last day of the birth month following the two-year issuance anniversary and every two years thereafter; pay $25. There is no post-expiration grace period.
Course assessments
Section 45-02-04-03(9) does not require course examinations unless a provider requires them; such course completion is an education condition rather than an identified licensing examination.
Education
Resident Life and Variable Life licensees complete twenty-four approved hours, including three ethics hours. Nonresidents meet home-state CE and remain in good standing.
Statutory ce exception
Section 26.1-26-31.1(1) retains the January 1, 2010 age-and-continuous-licensure exception. The lower-ranked Department producer page states, "The Rule of 85 exemption has been repealed." The statutory text governs this survey; the applicant should see the Department statement.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance using a current or recently canceled qualifying license
No examination is required for this applicant pathway.
Application
Submit the uniform application, make complete and truthful disclosures, and pay the required licensing fee. The pinned PSI bulletin and Department instructions specify a $100 initial license fee.
Character
The commissioner must find the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Criminal history
Initial resident individuals undergo the criminal-history and fingerprint process; continuation and applications within twelve months of cancellation or expiration are excepted unless the license was suspended or revoked.
Exam exemption
Previously licensed for the same line elsewhere; currently licensed there or apply within ninety days of cancellation with good-standing certification or producer-database proof.
Exam score window
For initial issuance, apply and obtain licensure within one year of the passing examination. A passing score remains valid while the North Dakota license is continuously active and for twelve months following cancellation; suspension or revocation ends score validity unless its order specifies otherwise.
Minimum age
At least eighteen years of age.
Prelicensing education
North Dakota does not require prelicensing classroom education.
Residency
Reside in North Dakota or maintain a principal place of business here; elect North Dakota resident licensing and do not simultaneously hold another resident license.

Official no-examination sources

Effective from 2026-09-22.

Conversion from resident to nonresident licensing
No examination is required for this applicant pathway.
Application
Submit a home-state or uniform application and pay applicable fees; the current Department instructions specify $100 for initial issuance.
Home state license
Hold a current resident license in good standing for the requested authority. Prior licensing and any home-state examinations are applicant conditions, not North Dakota examination leaves.
Reciprocity
The home state must license North Dakota residents on the same basis.
Residence change
Request the conversion and letter of clearance; provide certification from the new resident jurisdiction within thirty days. There is no conversion fee.
Securities registration
First obtain the securities-salesperson registration required by Section 45-02-02-11; securities qualification is another profession and is only an applicant condition.
Service of process
Designate the commissioner for service of process as required by Section 26.1-26-21 and the application rules.

Official no-examination sources

Effective from 2026-09-22.

New resident transfer of the same authority
No examination is required for this applicant pathway.
Application
Submit the uniform application, make complete and truthful disclosures, and pay the required licensing fee. The pinned PSI bulletin and Department instructions specify a $100 initial license fee.
Character
The commissioner must find the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Criminal history
Initial resident individuals undergo the criminal-history and fingerprint process; continuation and applications within twelve months of cancellation or expiration are excepted unless the license was suspended or revoked.
Exam exemption
Apply within ninety days of establishing North Dakota legal residence for a line held in the prior resident jurisdiction; provide clearance and cancel the other active resident license.
Exam score window
For initial issuance, apply and obtain licensure within one year of the passing examination. A passing score remains valid while the North Dakota license is continuously active and for twelve months following cancellation; suspension or revocation ends score validity unless its order specifies otherwise.
Minimum age
At least eighteen years of age.
Prelicensing education
North Dakota does not require prelicensing classroom education.
Residency
Reside in North Dakota or maintain a principal place of business here; elect North Dakota resident licensing and do not simultaneously hold another resident license.

Official no-examination sources

Effective from 2026-09-22.

North Dakota Life and Annuity Insurance Examination

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
110 scored items; 5 to 10 additional unscored experimental questions may be administered
Time limit
150 minutes
Passing score
70%; 77 correct scored answers
Exam fee
$64
Examination outline
  • Insurance Regulation (12 items)
    • Licensing
    • Process (26.1-26-13.2, 13.3, 15; Reg 45-02-02-02)
    • Types of licensees (26.1-26-02, 03)
    • Producers (individual and business entity)(26.1-26-02, 05, 06, 07, 11)
    • Producer-agent of insured (26.1-26-07)
    • Producer-agent of insurer (26.1-26-06)
    • Consultants (26.1-26-35, 41; Reg 45-02-02-09, 10)
    • Nonresident producers (26.1-26-20,47.1)
    • Temporary (26.1-26-26)
    • Maintenance and duration
    • Renewal of appointments (26.1-26-32;Reg 45-02-02-07)
    • Termination (26.1-26-31; Reg 45-02-02-12)
    • Change of address (26.1-26-33; Reg 45-02-02-13)
    • Reporting of actions (26.1-26-45.1)
    • Assumed business names (26.1-26-25.1)
    • Continuing education (26.1-26-31.1; Reg45-02-04-03, 08–11, 13)
    • Disciplinary actions
    • Refusal of license (26.1-26-39, 40, 42)
    • Cease and desist order (26.1-01-03.1;26.1-04-13)
    • Suspension, revocation and probation (26.1-26-42–46)
    • Penalties for violations (26.1-01-03.3;26.1-04-13–17; 26.1-26-50, 51)
    • State Regulation
    • Commissioner's general duties and powers (26.1-01-03; 26.1-04-09)
    • Company regulation
    • Certificate of authority (26.1-02-02)
    • Solvency (26.1-02-02, 03; 26.1-05-32)
    • Unfair claims settlement practices (26.1-04-03(9))
    • Producer regulation
    • Sharing commissions (26.1-26-04)
    • Company and agency regulation
    • Examination of books and records (26.1-03-19.2; 26.1-26-48)
    • Producer appointment (26.1-26-13.1; Reg 45-02-02-06)
    • Termination of appointment (26.1-26-34; Reg 45-02-02-06)
    • Unfair practices
    • Misrepresentation (26.1-04-03(1), (12), 07)
    • False advertising (26.1-04-03(1), (2))
    • Defamation (26.1-04-03(3))
    • Boycott, coercion and intimidation (26.1-04-03(4), 04)
    • False financial statements (26.1-04-03(5))
    • Unfair discrimination (26.1-04-03(7), (11), 05)
    • Rebating (26.1-04-03(8), 05, 06)
    • Prohibited inducements (26.1-04-05, 06)
    • Twisting (26.1-04-03(1))
    • Insurance fraud regulation (26.1-02.1-01–11)
  • North Dakota Laws and Regulations Pertaining to Life Insurance and Annuities (28 items)
    • Producer and company responsibilities
    • Solicitation and sales presentations (Ref: Reg 45-04-01-01–07; Reg 45-04-10-01–08))
    • Advertising (Ref: Reg. 45-04-10-01 through 08)
    • Life and Health Insurance Guaranty Association (26.1-38.1-16(1))
    • Illustrations (Ref: Reg. 45-04-05-05(02))
    • Policy summary (Ref: Reg. 45-04-01-03(7), 45-04-05-05-01)
    • Buyer's guide (Ref: Reg. 45-04-01-03(01) Appendix, 04))
    • Field underwriting requirements
    • Insurable interest (Ref: 26.1-29-09.1)
    • Notice, consent and disclosure for lab tests including HIV (Reg 45-03-11-01–05)
    • Company responsibilities
    • Verification of insurable interest (26.1-29-09.1)
    • Life insurance disclosure regulation (26.1-33-02)
    • Guaranty association disclaimer (Ref: 26.1-38.1-16)
    • Individual life insurance
    • Standard provisions (Ref: 26.1-33-05)
    • Entire contract (Ref: 26.1-33-05 (3))
    • Free look provision (Ref: 26.1-33-02.1)
    • Payment of premiums (Ref: 26.1-33-05 (1))
    • Grace period (Ref: 45-04-04-03-03-b-(02))
    • Reinstatement (Ref: 26.1-33-05 (8))
    • Incontestability (Ref: 26.1-33-05 (3))
    • Misstatement of age (Ref: 26.1-33-05 (5))
    • Statements of the insured (Ref: 26.1-33-05 (4))
    • Dividend options (Ref: 26.1-33-05 (6))
    • Loan provisions (Ref: 26.1-33-05 (7))
    • Nonforfeiture provision (Ref: 26.1-33-18)
    • Exclusions (Ref: 26.1-33-12)
    • Suicide no defense (Ref: 26.1-33-37)
    • Payment of claims and interest (Ref: 26.1-33-05(9), 26.1-33-05(13)
    • Assignment (Ref: 26.1-33-33)
    • Prohibited provisions including backdating (Ref: 26.1-33-06)
    • Group life insurance
    • Standard provisions (Ref: 26.1-33-11)
    • Conversion rights (Ref: 26.1-33-12)
    • Annuities
    • Free look provision (26.1-34-01.1)
    • Nonforfeiture provision (26.1-34-02)
    • Death claim settlement and interest (26.1-34-01(5))
  • Federal Laws and Regulations (3 Items)
    • Fair Credit Reporting Act - Purpose
    • National Do Not Call List
  • General Insurance Concepts (8 Items)
    • Risk
    • Methods of Handling Risk (Avoidance, Retention, Sharing, Reduction, Transfer)
    • Elements of Insurable Risks
    • Definitions (Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Mutual, Stock, Fraternals
    • Admitted, Non-Admitted
    • Foreign, Domestic, Alien
    • Elements of a Contract
    • Consideration
    • Competent Parties
    • Legal Purpose
    • Offer
    • Acceptance
    • Authority and Powers of Producers
    • Express
    • Implied
    • Apparent
    • The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Reasonable Expectations - good faith
    • Indemnity
    • Good Faith
    • Fraud
    • Warranties, Representations, Misrepresentations, and Concealment
  • Life Insurance Basics (13 Items)
    • Insurable Interest
    • Personal Uses of Life Insurance
    • Survivor Protection
    • Liquidity
    • Determining Amount of Personal Life Insurance
    • Human Life Value Approach
    • Needs Approach
    • Business Uses of Life Insurance
    • Buy-Sell Funding
    • Key Person
    • Executive Bonuses
    • Factors in Premium Determination
    • Mortality
    • Interest
    • Expense
    • Premium Frequency
    • Field Underwriting
    • Application Procedures
    • Warranties and Representations
    • Policy Delivery
    • Effective Date of Coverage
    • Policy Review
    • Premium Collection
    • Statement of Good Health
    • Company Underwriting
    • Sources of Information
    • Classifications of Risk (Preferred, Standard, Substandard, Declined)
  • Types of Life Insurance Policies (14 Items)
    • Term Life Insurance
    • Level
    • Decreasing
    • Increasing Term
    • Whole (Permanent, Ordinary) Life Insurance
    • Single Premium
    • Continuous Premium
    • Limited Payment
    • Adjustable Life
    • Universal Life
    • Variable Life
    • Variable Universal
    • Indexed Universal Life
    • Specialized Policies
    • Joint Life
    • Survivorship Life
    • Juvenile
    • Group Life Insurance
    • Eligible Groups
    • Characteristics of Group Life Insurance
  • Life Insurance Policy Provisions, Options, and Riders (20 Items)
    • Standard Life Insurance Provisions
    • Ownership
    • Assignment
    • Right to Examine (Free Look)
    • Payment of Premiums
    • Grace Period
    • Misstatement of Age/Sex
    • Incontestability
    • Reinstatement
    • Entire Contract
    • Beneficiary Designation Options
    • Individuals
    • Classes
    • Minors
    • Types of Beneficiaries
    • Primary and Contingent
    • Beneficiary-Related Clauses
    • Common Disaster
    • Settlement Options
    • Cash Payment (Lump Sum)
    • Interest Only
    • Life Income
    • Fixed-Period
    • Fixed-Amount Installments
    • Joint
    • Last Survivor
    • Nonforfeiture Options
    • Cash Surrender Value
    • Extended Term
    • Reduced Paid-Up Insurance
    • Policy Loan and Withdrawal Options
    • Loans
    • Automatic Premium Loans
    • Withdrawals Partial Surrenders
    • Dividend Options
    • Paid-Up Additions
    • Cash Payment (Lump Sum)
    • One Year Term
    • Reduction of Premium
    • Accumulation at Interest
    • Disability Riders
    • Waiver of Premium
    • Disability Income Benefit
    • Payor Benefit Life
    • Riders Covering Additional Insureds
    • Spouse
    • Children
    • Family term rider
    • Riders Affecting Death Benefit Amount
    • Accidental Death
    • Guaranteed Insurability
    • Cost of Living
    • Return of Premium
    • Accelerated (Living) Benefit Provision Rider
    • Long-Term Care Rider
    • Policy Exclusions
  • Annuities (8 Items)
    • Annuity Principles and Concepts
    • Accumulation Period versus Annuity Period
    • Owner, Annuitant, and Beneficiary
    • Immediate versus Deferred Annuities
    • Annuity (Benefit) Payment Options
    • Life Contingency Options
    • Annuities Certain
    • Pure Life versus Life with Guaranteed Minimum
    • Single Life versus Multiple Life
    • Annuity Products
    • Fixed Annuities
    • Equity Indexed Annuities
    • Variable Annuities
    • Uses of Annuities
    • Lump-Sum Settlements
    • Retirement Income
    • Long-Term Care Rider
    • Guaranteed Minimum Withdrawal Benefit (GMWB)
  • Federal Tax Considerations for Life Insurance (4 Items)
    • Taxation of Personal Life Insurance and Annuities
    • Premiums
    • Dividends
    • Settlements
    • Last In First Out (LIFO) and First In First Out (FIFO)
    • Surrenders and Withdrawals
    • Modified Endowment Contracts (MECs)
Examination sources