NY Life, Accident & Health
Insurance Agent Exam
2026 | Practice Questions
& Study Guide
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Updated 2026 Questions and Answers
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,Home State (2101(l)) Home state means the District of Columbia or any state or territory of the United
States in which an insurance producer maintains his, her or its principal place of
residence or principal place of business and is licensed to act as an insurance
producer.
Negotiate (2101(m)) Negotiate or negotiation means the act of conferring directly with or offering
advice directly to a purchaser or prospective purchaser of a particular contract of
insurance concerning any of the substantive benefits, terms or conditions of the
contract, provided that the person engaged in that act either sells insurance or
obtains insurance from licensed insurers, fraternal benefit societies or health
maintenance organizations for purchasers.
Sell (2101(n)) Sell or sale means to exchange a contract of insurance by any means, for money
or its equivalent, on behalf of a licensed insurer, fraternal benefit society or health
maintenance organization.
Solicit (2101(o)) - Solicit or solicitation means attempting to sell insurance or asking or urging a
person to apply for a particular kind of insurance from a particular licensed
insurer, fraternal benefit society or health maintenance organization.
Agent 2101(a) In this section, insurance agent means any authorized or acknowledged agent of
an insurer, fraternal benefit society or health maintenance organization issued a
certificate of authority pursuant to the public health law, and any sub-agent or
other representative of such an agent, who acts as such in the solicitation of,
negotiation for, or sale of, an insurance, health maintenance organization or
annuity contract, other than as a licensed insurance broker.
Agent 2101(k) insurance producer means an insurance agent, insurance broker, reinsurance
intermediary, excess lines broker, or any other person required to be licensed
under the insurance laws of this state to sell, solicit or negotiate insurance.
The applicant must be at least 18 years of age at the time of license issuance.
An examination is required for each applicant, except where noted for applicants
with a change in residency moving to New York (see code 2103 below).
Brokers 2101(c) a licensed insurance representative who does not represent a specific insurance
company, but places business among various companies. Legally, the broker is
usually regarded as a representative of the insured rather than the insuring
company.
Brokers 2101(h) any licensed attorney at law of this state.
Consultants (2107) The Superintendent may issue an insurance consultant's license to any person,
firm, association or corporation who or which has complied with the requirements
of this chapter with respect to either: life insurance, meaning all of those kinds of
insurance authorized. Any such license issued to a firm or association shall
authorize only the members of such firm or association named in such license as
sub-licensees to act individually as consultants there under, and any such license
issued to a corporation shall authorize only the officers and directors thereof
named in such license as sub-licensees to act individually as consultants there
under.
, Adjuster 2101(g) The Superintendent may, in his discretion require an applicant for a license under
this section to present evidence, in such form as he prescribes, that such applicant
has been employed, for a period which he deems reasonable, by an insurer, an
independent adjuster or a public adjuster, in the performance of duties which in
his opinion would provide the applicant with a satisfactory preliminary training for
the duties and responsibilities which would evolve upon him as a licensee under
this section. The term independent adjuster means any person, firm, association or
corporation who for money, commission or any other thing of value, acts in this
state on behalf of an insurer in the work of investigating and adjusting claims
arising under insurance contracts issued by such insurer and who performs such
duties required by such insurer as are incidental to such claims and also includes
any person who for compensation or anything of value investigates and adjusts
claims on behalf of any independent adjuster.
Adjuster 2108 Adjusters will be licensed as either independent adjusters, or as public adjusters.
The Superintendent may prescribe the types of independent adjusters' licenses
according to the kind or kinds of insurance claims which the licensee is to be
authorized to investigate and adjust. No adjuster may act on behalf of an insurer
unless licensed as an independent adjuster, and no adjuster may act on behalf of
an insured unless licensed as a public adjuster. A public adjuster works on behalf
of the insured for a fee.
Nonresident 2101(d) In this section, non-resident insurance agent means an individual who is a non-
resident of this state and who is licensed or authorized to act as an insurance
agent in the state in which he resides, or in which he or the firm or association of
which he is a member or employee, or the corporation, of which he is an officer,
director, or employee maintains an office as an insurance agent.
Nonresident 2101(e) In this section, "non-resident insurance broker", means an individual who is a non-
resident of this state and who is licensed or authorized to act as an insurance
broker in the state in which he resides, or in which he, or the firm or association of
which he is a member or employee, or the corporation, of which he is an officer,
director or employee maintains an office as an insurance broker.
Nonresident 2103(g)(5) In the discretion of the Superintendent, no written insurance examination will be
required of any individual seeking to be named as a licensee or sub-licensee who
is a non-resident insurance agent.
Insurance Agent Exam
2026 | Practice Questions
& Study Guide
|Graded A+ | Guaranteed
success|
Updated 2026 Questions and Answers
100% Verified Exam Prep and Comprehensive
Rationales
Included
,Home State (2101(l)) Home state means the District of Columbia or any state or territory of the United
States in which an insurance producer maintains his, her or its principal place of
residence or principal place of business and is licensed to act as an insurance
producer.
Negotiate (2101(m)) Negotiate or negotiation means the act of conferring directly with or offering
advice directly to a purchaser or prospective purchaser of a particular contract of
insurance concerning any of the substantive benefits, terms or conditions of the
contract, provided that the person engaged in that act either sells insurance or
obtains insurance from licensed insurers, fraternal benefit societies or health
maintenance organizations for purchasers.
Sell (2101(n)) Sell or sale means to exchange a contract of insurance by any means, for money
or its equivalent, on behalf of a licensed insurer, fraternal benefit society or health
maintenance organization.
Solicit (2101(o)) - Solicit or solicitation means attempting to sell insurance or asking or urging a
person to apply for a particular kind of insurance from a particular licensed
insurer, fraternal benefit society or health maintenance organization.
Agent 2101(a) In this section, insurance agent means any authorized or acknowledged agent of
an insurer, fraternal benefit society or health maintenance organization issued a
certificate of authority pursuant to the public health law, and any sub-agent or
other representative of such an agent, who acts as such in the solicitation of,
negotiation for, or sale of, an insurance, health maintenance organization or
annuity contract, other than as a licensed insurance broker.
Agent 2101(k) insurance producer means an insurance agent, insurance broker, reinsurance
intermediary, excess lines broker, or any other person required to be licensed
under the insurance laws of this state to sell, solicit or negotiate insurance.
The applicant must be at least 18 years of age at the time of license issuance.
An examination is required for each applicant, except where noted for applicants
with a change in residency moving to New York (see code 2103 below).
Brokers 2101(c) a licensed insurance representative who does not represent a specific insurance
company, but places business among various companies. Legally, the broker is
usually regarded as a representative of the insured rather than the insuring
company.
Brokers 2101(h) any licensed attorney at law of this state.
Consultants (2107) The Superintendent may issue an insurance consultant's license to any person,
firm, association or corporation who or which has complied with the requirements
of this chapter with respect to either: life insurance, meaning all of those kinds of
insurance authorized. Any such license issued to a firm or association shall
authorize only the members of such firm or association named in such license as
sub-licensees to act individually as consultants there under, and any such license
issued to a corporation shall authorize only the officers and directors thereof
named in such license as sub-licensees to act individually as consultants there
under.
, Adjuster 2101(g) The Superintendent may, in his discretion require an applicant for a license under
this section to present evidence, in such form as he prescribes, that such applicant
has been employed, for a period which he deems reasonable, by an insurer, an
independent adjuster or a public adjuster, in the performance of duties which in
his opinion would provide the applicant with a satisfactory preliminary training for
the duties and responsibilities which would evolve upon him as a licensee under
this section. The term independent adjuster means any person, firm, association or
corporation who for money, commission or any other thing of value, acts in this
state on behalf of an insurer in the work of investigating and adjusting claims
arising under insurance contracts issued by such insurer and who performs such
duties required by such insurer as are incidental to such claims and also includes
any person who for compensation or anything of value investigates and adjusts
claims on behalf of any independent adjuster.
Adjuster 2108 Adjusters will be licensed as either independent adjusters, or as public adjusters.
The Superintendent may prescribe the types of independent adjusters' licenses
according to the kind or kinds of insurance claims which the licensee is to be
authorized to investigate and adjust. No adjuster may act on behalf of an insurer
unless licensed as an independent adjuster, and no adjuster may act on behalf of
an insured unless licensed as a public adjuster. A public adjuster works on behalf
of the insured for a fee.
Nonresident 2101(d) In this section, non-resident insurance agent means an individual who is a non-
resident of this state and who is licensed or authorized to act as an insurance
agent in the state in which he resides, or in which he or the firm or association of
which he is a member or employee, or the corporation, of which he is an officer,
director, or employee maintains an office as an insurance agent.
Nonresident 2101(e) In this section, "non-resident insurance broker", means an individual who is a non-
resident of this state and who is licensed or authorized to act as an insurance
broker in the state in which he resides, or in which he, or the firm or association of
which he is a member or employee, or the corporation, of which he is an officer,
director or employee maintains an office as an insurance broker.
Nonresident 2103(g)(5) In the discretion of the Superintendent, no written insurance examination will be
required of any individual seeking to be named as a licensee or sub-licensee who
is a non-resident insurance agent.
