New York Insurance Law — Life & Health Practice Test 2026
Free New York Life & Health insurance producer license practice — the New York-specific statutory layer (DFS regulation & licensing, unfair trade practices, life & accident/health statutes and mandates, guaranty corporation & fraud prevention) that pairs with the national general-knowledge bank on the New York Life (Series 10-51) and Accident & Health (Series 10-52) producer exams. New York's real exam is officially offered in English and Spanish.
🎯 Practice by Topic
New York Insurance Regulation & the DFS
New York's regulatory structure: the Department of Financial Services and the Superintendent, certificates of authority, examination of insurers, market conduct, unfair claims settlement practices, and enforcement.
New York Producer Licensing & Duties
New York producer licensing: agent vs broker, qualifications and exams, appointment, license term and renewal, continuing education, temporary and non-resident licenses, commissions, fiduciary handling of premiums, and change-of-address duties.
New York Unfair Trade Practices & Consumer Protection
New York's Unfair Trade Practices (Article 24) and related consumer protections: misrepresentation and twisting, rebating, unfair discrimination, defamation, false literature, replacement (Reg 60), advertising (Regs 34/74), and privacy (Reg 169).
New York Life Insurance Provisions
New York's required life insurance policy provisions (Article 32): grace period, incontestability, reinstatement, misstatement of age, free look, suicide, insurable interest, variable products, group conversion, accelerated benefits, and life settlements (Article 78).
New York Accident & Health Provisions & Mandates
New York accident & health law: individual and group required provisions, form approval, New York mandated benefits (Timothy's Law, autism, IVF, mammography, contraception), continuation and conversion, Medicare supplement, utilization review and external appeal, and HMOs.
New York Guaranty Corporation & Fraud Prevention
The New York Life & Health Insurance Guaranty Corporation (Article 77) — purpose, covered contracts, coverage limits, and the advertising prohibition — plus insurance fraud prevention (Article 4): the fraud-warning statement, duty to report, and fraud prevention plans, with miscellaneous current New York producer requirements.