How to Get a Insurance producer License in New York (2026)

New York State Department of Financial Services

New York State Department of Financial Services

New York State Department of Financial Services

Last verified Oct 25, 2026

Open the official agency page

https://www.dfs.ny.gov/apps_and_licensing/application_fee_schedule

Life/Accident & Health Agent and Broker Fees

Last verified Oct 25, 2026

Approved prelicensing course minimums: combined life/accident and health, 40 hours; life only or accident and health only, 20 hours; property/casualty agent or broker, 90 hours.

Approved prelicensing course minimums: combined life/accident and health, 40 hours; life only or accident and health only, 20 hours; property/casualty agent or broker, 90 hours.

MINIMUM APPROVABLE COURSE HOURS Life/A&H Agent ( combined) 40 A & H Agent (only) 20 Life Agent (only) 20 P/C Agent / Broker (3) 90

Last verified Oct 25, 2026

18 years old

18

Every individual applicant for a license under this section and every proposed sub-licensee shall be eighteen years of age or over at the time of the issuance of such license.

Last verified Oct 25, 2026

Pass the written examination for the requested insurance lines, unless a statutory exemption applies.

Pass the written examination for the requested insurance lines, unless a statutory exemption applies.

require such individual to submit to a personal written examination and to pass the same to the satisfaction of the superintendent.

Last verified Oct 25, 2026

If you were born in an even numbered year, your license will expire on your birthday in an even numbered year. If you were born in an odd numbered year, your license will expire on your birthday in an odd numbered year.

If you were born in an even numbered year, your license will expire on your birthday in an even numbered year. If you were born in an odd numbered year, your license will expire on your birthday in an odd numbered year. Applies to: Individual/TBA life/accident and health and property/casualty licensees

If you were born in an even numbered year, your license will expire on your birthday in an even numbered year. If you were born in an odd numbered year, your license will expire on your birthday in an odd numbered year.

Last verified Oct 25, 2026

15 hours

15

satisfactorily complete 15 credits of Continuing Education (“CE”) during each full biennial licensing period.

Last verified Oct 25, 2026

At least 1 credit each in insurance law; ethics and professionalism; diversity, inclusion and elimination of bias. Property/casualty licensees also need 1 flood-insurance credit; NFIP sellers need 3 additional enhanced flood credits.

At least 1 credit each in insurance law; ethics and professionalism; diversity, inclusion and elimination of bias. Property/casualty licensees also need 1 flood-insurance credit; NFIP sellers need 3 additional enhanced flood credits.

at least one credit of instruction in each of the following areas must be completed: Insurance Law, Ethics and Professionalism, Diversity, Inclusion, and Elimination of Bias, and, for those licensed to sell one or more lines of property/casualty insurance, Flood Insurance. In addition, if the licensee sells flood insurance through the National Flood Insurance Program, that licensee must also take at least three credits of enhanced flood insurance instruction.

Last verified Oct 25, 2026

The initial agent license term is up to two years; it must not be treated as a fixed two-year term from issuance.

The initial agent license term is up to two years; it must not be treated as a fixed two-year term from issuance.

The term for agent licenses is up to two years.

Last verified Oct 25, 2026

Acting as an insurance producer in New York requires a license in force under the Insurance Law.

Acting as an insurance producer in New York requires a license in force under the Insurance Law.

No person, firm, association or corporation shall act as an insurance producer, insurance adjuster or life settlement broker in this state without having authority to do so by virtue of a license issued and in force pursuant to the provisions of this chapter.

Last verified Oct 25, 2026