- The NHLAH exam has 150 outline items with a 2-hour 30-minute limit, plus up to 10 unscored experimental questions.
- Life, Accident and Health Insurance Basics is the largest domain at 17% - study it first.
- The exam costs $72 and is administered by PSI as Series 12-63, test-center only since remote proctoring ended July 6, 2026.
- New Hampshire does not require a prelicensing course, but resident renewal needs 24 CE hours per biennium, including 3-10 ethics hours.
Exam Snapshot: The Numbers You Must Know
If you're bookmarking one page before your test date, this is it. The New Hampshire Life, Accident & Health Insurance Producer Exam is administered through the New Hampshire Insurance Department and delivered by PSI under exam code Series 12-63. Every candidate should have these five facts memorized cold before walking into a test center:
- Format: 150 scored outline items, computer-based.
- Time limit: 2 hours 30 minutes.
- Experimental items: PSI may insert 5-10 additional unscored questions that are indistinguishable from scored ones - don't try to guess which ones they are.
- Fee: $72 per attempt, paid directly through PSI's registration process.
- Delivery mode: Test-center only. Remote proctoring ended July 6, 2026, so there is no at-home option anymore.
For a deeper breakdown of how these numbers translate into a study plan, see the NHLAH Study Guide 2026, and if you want the full pricing picture including retake costs, check the NHLAH Certification Cost breakdown.
Domain-by-Domain Cheat Sheet
The NHLAH exam outline is built from 13 domains, and they are not weighted equally. Treat this list as your triage map - the percentage next to each domain tells you how many questions on test day will come from that area, out of 150 total scored items.
Domain 4: Life, Accident and Health Insurance Basics (17%)
The single largest domain on the exam. This is your foundation layer - insurable interest, risk classification, underwriting basics, and the fundamental terminology that every other domain builds on.
- Master core definitions before moving to policy-specific domains
- Expect terminology questions phrased as scenarios, not definitions
Domain 6: Life Insurance Policy Provisions, Options, and Riders (15%)
The second-heaviest domain. Nonforfeiture options, settlement options, riders like waiver of premium and accidental death - expect these tested in application-based questions.
- Know the difference between provisions that are standard vs. optional riders
- Pay attention to how riders interact with policy loans and cash value
Domain 5: Types of Life Insurance Policies (10%)
Term, whole, universal, and variable life products - how they differ in cash value growth, premium flexibility, and death benefit structure.
- Compare products side by side rather than memorizing them in isolation
Domain 10: Medical Plans (10%)
Covers major medical, managed care structures, and plan design features that distinguish one medical product from another.
- Focus on how plan types differ in provider networks and cost-sharing
The remaining domains carry smaller but still exam-relevant weight: Insurance Regulation (7%), General Insurance Concepts (7%), Annuities (7%), Individual Accident and Health Insurance Policy Provisions (9%), Disability Income and Related Insurance (6%), Specialized Health Insurance for Qualified Individuals (4%), Federal Tax Considerations for Life and Health Insurance (4%), Federal Laws and Regulations (2%), and Group Health Insurance (2%). For a full walkthrough of every domain with example concepts, see the NHLAH Exam Domains 2026 guide.
Key Takeaway
Three domains - Life, Accident and Health Insurance Basics (17%), Life Insurance Policy Provisions, Options, and Riders (15%), and Types of Life Insurance Policies (10%) - account for 42% of your scored questions. Master those three before touching lower-weight domains.
Registration and Test-Day Mechanics
PSI handles scheduling and delivery for the NHLAH exam under Series 12-63. Because remote proctoring ended on July 6, 2026, every candidate now must schedule an appointment at a physical PSI test center - there is no home-based alternative going forward.
- Register and pay the $72 exam fee through PSI's official candidate portal.
- Arrive with acceptable identification as required by the test center.
- Expect the full 150-item, 150-minute session, plus the possibility of 5-10 unscored experimental items mixed in - you won't be told which questions are experimental, so answer every item as if it counts.
If you're still mapping out when to schedule relative to your renewal deadlines or job start date, the NHLAH Exam Dates 2026 guide lays out the scheduling logistics in detail. And if you're unsure what passing actually requires, the NHLAH Passing Score guide explains what to expect from the scoring model.
Licensing Renewal and CE Rules
Passing the exam is the entry point, not the finish line. Once you're a resident producer in New Hampshire, you're on the clock for continuing education:
- 24 CE hours per biennium - required to maintain your resident producer license.
- 3-10 ethics hours - a mandatory subset of those 24 hours must be ethics-focused.
- 60-day cutoff - all CE must be completed no later than 60 days before your renewal date, so don't wait until the deadline week.
These renewal mechanics matter even before you sit for the exam, because they shape how you think about the license as a long-term commitment rather than a one-time test. For a broader look at eligibility and what qualifies you to sit for the exam in the first place, see NHLAH Requirements 2026.
Where to Spend Your Study Hours
Rather than spreading your prep evenly across 13 domains, weight your time to match the exam's own weighting. A simple, NHLAH-specific allocation looks like this:
Life, Accident and Health Insurance Basics (17%)
- Build your terminology foundation first since every other domain references these concepts
- Drill insurable interest, underwriting, and risk classification scenarios
Policy Provisions, Riders & Life Policy Types (15% + 10%)
- Compare term, whole, universal, and variable products side by side
- Map out which riders attach to which policy types
Medical Plans, Accident & Health Provisions, Annuities (10% + 9% + 7%)
- Study managed care structures and plan design differences
- Review annuity payout options and accumulation phases
Regulation, Tax, and Remaining Smaller Domains
- Cover Insurance Regulation, General Insurance Concepts, Federal Tax Considerations
- Finish with Disability Income, Group Health, and Specialized Health domains
Front-loading the heaviest domains gives you more repetitions on the material that will appear most often, and it leaves your final week for the lower-weight domains where a lighter review is sufficient. If you want a sense of how challenging this actually feels in practice, the How Hard Is the NHLAH Exam guide walks through candidate difficulty factors, and the NHLAH Pass Rate 2026 article covers what the available data shows.
Quick Reference Table
| Fact | Detail |
|---|---|
| Regulating body | New Hampshire Insurance Department |
| Exam administrator | PSI (Series 12-63) |
| Exam fee | $72 |
| Total scored items | 150 |
| Time limit | 2 hours 30 minutes |
| Unscored experimental items | 5-10 possible, mixed in unmarked |
| Delivery mode | Test-center only (remote proctoring ended July 6, 2026) |
| Prelicensing course | Not required |
| CE for renewal | 24 hours per biennium |
| Ethics CE requirement | 3-10 hours, within the 24-hour total |
| CE completion deadline | 60 days before renewal date |
| Largest domain | Life, Accident and Health Insurance Basics (17%) |
Once you've locked in the licensing mechanics and domain weighting, it's worth stepping back to ask what the credential actually opens up professionally. The NHLAH Salary Guide 2026 and Is the NHLAH Certification Worth It? ROI Analysis both dig into that question, and NHLAH Jobs covers who typically hires licensed producers in New Hampshire.
FAQ
There are 150 scored outline items, and PSI may add 5-10 additional unscored experimental questions that look identical to scored ones.
You have 2 hours and 30 minutes to complete the exam, which averages to roughly one minute per scored item if experimental questions are included.
No. Remote proctoring for this exam ended July 6, 2026. All candidates must now schedule an appointment at a physical PSI test center.
No. New Hampshire does not require a prelicensing study course before you sit for the Series 12-63 exam, though self-study is still essential to pass.
Resident producers must complete 24 CE hours per biennium, including 3-10 ethics hours, finished no later than 60 days before their renewal date.
Keep this cheat sheet nearby as your final checkpoint before exam day, and pair it with focused practice sessions on our NHLAH practice test platform to confirm you can apply these facts under real time pressure.