PassProfessor’s New Hampshire program is part of the expanding PassProfessor catalog. The 9,067-question New Hampshire practice bank is built and audited, and enrollment opens as the catalog expands. Join the notify list and we will email you when enrollment opens — then use this guide to plan your path to the exam.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
The New Hampshire P&C exam, in one paragraph
The New Hampshire Producer’s Property and Casualty exam (Series 12-64) is the licensing exam for New Hampshire’s combined property and casualty producer line of authority, administered by PSI Services LLC for the New Hampshire Insurance Department. You will answer 150 scored multiple-choice questions in 2.5 hours, and PSI may mix in 5 to 10 additional unscored experimental questions you cannot identify. New Hampshire requires no pre-licensing education for this license — the Department does not even specify an official study manual — so the path is short and entirely in your hands: prepare, pass the exam, and apply electronically through NIPR with the $210 license fee. Your score appears on screen the moment you finish, and NIPR lists a passing New Hampshire exam score as valid for 2 years.
Who can take the New Hampshire P&C exam?
New Hampshire’s front door is unusually simple — no course hours, no sponsorship, no pre-approval to sit for the exam. The requirements that do exist come from the producer licensing statute, RSA 402-J, and the PSI bulletin:
- Be at least 18 years old. RSA 402-J:6 requires the Commissioner to find, before approving a resident producer application, that the applicant is at least 18.
- Pass the examination for the lines you are applying for — for the combined P&C line, that is Series 12-64. (Separate Property-only, Series 12-84, and Casualty-only, Series 12-85, exams exist if you want only one line.)
- Have committed no act that is a ground for denial, suspension, or revocation under RSA 402-J:12. The application is made under penalty of refusal, suspension, or revocation for false statements, and the bulletin is blunt about the sequencing: passing an exam does not guarantee you will be issued a license, and if you test unnecessarily or are found unqualified, neither the exam fee nor the license-processing fee is refunded.
- Complete no pre-licensing education. The bulletin states it in so many words: “The Department does not specify an official study manual, nor are you required to take a pre-licensing study course. You are free to use materials of your own choosing to prepare for the license exam.” New Hampshire has run its producer licensing this way for years; preparation is a choice, passing is the requirement.
- Residency, in the ordinary sense. Resident applicants test and apply as New Hampshire residents. Two shortcuts exist at the edges: if you are a new resident who held a producer license in another state within the past 90 days, no exam is required (you must relinquish the old resident license); and nonresident applicants who hold a similar license in their home state do not test either — they apply through NIPR.
Three special cases worth knowing:
- CPCU waiver. If you hold the Chartered Property Casualty Underwriter designation and are applying for a Property and Casualty license, you do not take Series 12-64 at all — you need only pass the much narrower New Hampshire Property and Casualty Insurance Laws and Regulations exam (Series 12-81), or the adjuster equivalent (Series 12-83).
- Temporary license. Under RSA 402-J:11, the Commissioner may issue a temporary license allowing a person to serve as a producer for up to six months without an examination. Read the bulletin’s framing carefully: temporary licenses are intended for extenuating circumstances — the bulletin gives the death or induction into active military duty of an active agent or broker as examples — and are granted only when the Commissioner believes doing so best serves the public interest. This is not a sponsored “work while you study” path of the kind some states offer; for nearly every candidate, the exam comes first.
- No fingerprint step is listed. Unlike many states, neither the PSI bulletin nor RSA 402-J:6 lists a fingerprinting step for New Hampshire producer applicants. What the process does include is the uniform application’s background questions and the Commissioner’s review under RSA 402-J:6 and 402-J:12 — answer them completely and truthfully, because the application is signed under penalty.
The exam, piece by piece
Series 12-64 is a single combined sitting with a single result. PSI publishes its content outline as percentages of the 150 scored questions — New Hampshire does not publish per-section item counts — so the table below shows PSI’s published percentage for each heading and the approximate number of scored questions that percentage represents out of 150. Treat the counts as conversions, not promises: percentages are what PSI publishes, and rounding means they describe the exam’s shape rather than an exact seating chart for any one form.
| PSI Series 12-64 outline heading | Published weight | ≈ scored questions (of 150) |
|---|---|---|
| Property and Casualty Insurance Basics | 17% | ~26 |
| General Insurance Concepts | 14% | ~21 |
| Insurance Regulation | 13% | ~20 |
| Personal Automobile Policy | 11% | ~17 |
| Homeowners Policy Concepts | 10% | ~15 |
| Commercial Property Policies | 9% | ~14 |
| Commercial General Liability | 9% | ~14 |
| Businessowners Policy | 4% | ~6 |
| Dwelling Policy Concepts | 3% | ~5 |
| Commercial Automobile Policy | 3% | ~5 |
| Other Types of Property and Casualty Insurance | 3% | ~5 |
| Federal Laws and Regulations | 2% | ~3 |
| Workers’ Compensation Laws | 2% | ~3 |
| Total | 100% | 150 |
Four structural facts that shape how you should prepare:
- This outline is organized by concept and policy, not by “property half / casualty half.” There is no separately passed property portion and casualty portion, and no separate state-law sitting. The bulletin makes the same point about combined exams generally: the results are reflected in one final score, and you must pass the complete examination to qualify for the license. A weak heading can be offset by a strong one — and the reverse is also true.
- The Basics heading is the exam’s center of gravity. At 17%, Property and Casualty Insurance Basics — perils, hazards, loss valuation, insurable interest, negligence, liability, damages, policy structure and clauses — outweighs any single policy form. Candidates who study policy forms and skip the foundations are skipping the largest block on the test.
- New Hampshire law is concentrated, not scattered — mostly. Insurance Regulation at 13% is where licensing, state regulation, and New Hampshire auto law live, and Workers’ Compensation Laws adds its own 2% heading. Together that is roughly one question in seven drawn from New Hampshire-specific regulation and law, before you count the New Hampshire rules applied inside the auto and policy headings. It is a smaller state-law share than some states test — and it is still about twenty-plus questions you cannot answer from a national textbook alone.
- Personal lines outweigh commercial lines. Personal Automobile (11%) and Homeowners (10%) together carry 21% of the exam, against 25% for all four commercial headings combined (Commercial Property 9%, Commercial General Liability 9%, Commercial Auto 3%, Businessowners 4%). Dwelling concepts add a further 3%. A candidate coming from a commercial-lines job still has to master the personal-lines forms; a personal-lines candidate cannot ignore the commercial quarter of the test.
Experimental questions. In addition to the 150 scored items, PSI may administer a small number — 5 to 10 — of experimental questions during your exam. They are tryout items being evaluated for future exams, they are not scored, they are not identified, and the bulletin describes administering them as an essential step in developing future licensing examinations. There is no strategy for them other than the obvious one: answer every question as if it counts.
The tutorial is free time. Before the exam begins, an on-screen tutorial (up to 15 minutes) walks you through the test format, with sample questions to practice on. That time does not count against your 2.5 hours.
The passing standard, explained — and an honest gap
Here is what the official record does and does not say, because this is the question every candidate asks first and the one this guide refuses to guess at.
What PSI tells you: your score is displayed on screen at the end of the examination, and a score report is emailed to you. If you do not pass, the emailed report includes diagnostic information indicating your strengths and weaknesses by examination type — the starting point for a retake plan. A duplicate score report can be requested from PSI afterward.
What the current bulletin does not tell you: the PSI Candidate Information Bulletin for New Hampshire, dated 8/4/2026 and read in full for this guide, does not publish a numeric passing score for Series 12-64 — no percentage, no scaled figure. Secondary prep websites print numbers (most commonly “70” or “70%”), but none of the official sources for this exam — the PSI bulletin, the Department’s licensing pages as referenced by the bulletin, or NIPR — states one, and this guide does not publish a number it cannot source. When you register, confirm the current passing standard with PSI directly, and treat any unsourced figure you find elsewhere with suspicion.
What that means practically:
- Prepare to a margin, not a line. Since you cannot aim at a verified numeric threshold, the rational target is broad strength: full-length practice performance that is comfortably passing across every outline heading, with no heading left as a known weakness. On a single-score exam, a collapsed heading is a risk you carry into every form of the test.
- Your score report is the only official reading. Whatever the current standard is, it is applied by PSI and reported to you on the day. There is no partial credit across sittings and no separate state-law hurdle described in the bulletin — you pass the complete examination or you retest it.
One calibration the official record does support: New Hampshire’s combined P&C exam is a 150-question test covering both personal and commercial lines plus state regulation, taken by candidates who were required to complete exactly zero hours of preparation. The candidates who find it hard are, disproportionately, the ones who treated “no required course” as “no preparation required.” The outline percentages in §3 are the Department and PSI telling you exactly where the questions come from — study to them.
Fees and registration, step by step
Keep the two main payments separate in your mind — they go to two different places, at two different times, for two different things.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Exam fee (Series 12-64) | $72 | PSI | When you reserve your appointment |
| License application and license fee | $210 | The Department, through NIPR | After you pass, when you apply |
The $210 figure is set by statute — RSA 400-A:29 lists a $210 non-refundable application and license fee for producers, resident and nonresident alike (the same statute sets the biennial renewal at $150). The exam fee is PSI’s: the bulletin lists $72 for the combined Property and Casualty exam, against $59 for single-line exams such as Property-only (12-84) or Casualty-only (12-85). Examination fees are not refundable or transferable, and an examination fee remains valid for one year from the date of payment.
The sequence, in order:
- Create your PSI account and reserve the exam. Go to PSI’s New Hampshire insurance site (test-takers.psiexams.com/nhins), sign in or create an account, and select Series 12-64. The first and last name on your account must match your current, valid, government-issued ID exactly — a mismatch is a missed appointment, not a fixable typo. Choose your modality (test center or, for this series, remote proctoring) and your date and time, then pay the $72. You can also register by phone at 855-340-3713 (registrars are available Monday–Friday 7:30 a.m.–10:00 p.m. and Saturday–Sunday 9:00 a.m.–5:30 p.m. Eastern Time), with a major credit card.
- Know the change rules before you need them. You may cancel and reschedule without forfeiting your fee if your cancellation notice is received 2 days before the scheduled examination date — for a Monday appointment, that means the previous Saturday. Use the PSI website or speak directly to a PSI representative: the bulletin states plainly that a voicemail or email message is not an acceptable form of cancellation. Miss the appointment, arrive after check-in, or appear without proper ID, and the fee is gone.
- Take the exam. Arrive at the test center 30 minutes early (see §8), or launch a remote session within the window PSI specifies — the bulletin warns that failing to start a remote test within 15 minutes after your booked time forfeits your fee or eligibility, and remote candidates should run PSI’s audio/video, webcam, and system compatibility checks well beforehand. Your score is displayed on screen at the end.
- Apply for the license — after passing. All applications are submitted electronically through the National Insurance Producer Registry (nipr.com): complete the NAIC Uniform Application, with your original passing exam results on file and the $210 fee. NIPR verifies exam results as part of the process, which is one reason the order — exam first, application second — is structural, not a suggestion.
- Get appointed. A license gives you the authority; an appointment is what lets you act for a particular insurer. Under RSA 402-J:14, the insurance company must register your agent appointment within 15 days of initiating business with you. Appointments are arranged with each carrier you will represent, after licensure.
- Keep the license. Producer licenses expire on the last day of your birth month — the first expiration falls at least 13 but not more than 25 months after the license takes effect, and every two years thereafter. Resident producers must complete 24 hours of continuing education in each renewal cycle, including at least 3 (and not more than 10) ethics credits, completed 60 days before the expiration date — a renewal obligation, not something this exam-prep program provides or counts toward.
Accommodations. All PSI centers provide access under the Americans with Disabilities Act, and exam accommodations can be requested through PSI. Candidates whose primary language is not English may qualify for an ESL authorization — time and a half — by submitting a personal request letter and a letter from an English instructor or sponsoring party, per the bulletin. Request either well before your test date, not after it.
Retakes and score validity
- Retakes. You cannot make a new appointment on the same day you tested — PSI needs the day for processing and reporting. The bulletin’s example is the whole rule: a candidate who tests unsuccessfully on a Wednesday can call on Thursday and retest as soon as Friday, depending on space availability. The bulletin states no cap on the number of attempts; each attempt is a new $72 examination fee, and a candidate who fails or fails to appear must go through the scheduling and payment process again. What the bulletin does not offer is a shortcut for repeat attempts, so make the second attempt different from the first: rebuild from the diagnostic report, heading by heading, rather than re-sitting the same preparation.
- Score validity. NIPR lists New Hampshire insurance exam scores as valid for 2 years. That is the window in which your passing result can support a license application. Treat it as an outer limit: applying promptly keeps your exam result, your application, and your first appointment moving in one sequence, and it avoids any question of stale results if Department practice changes.
- Exam-fee validity is a different clock. Your $72 examination fee is valid for one year from the date of payment — the window to use a paid fee for a sitting. Do not confuse it with the 2-year validity of a passing score; they govern different things.
Test day
- Arrive 30 minutes early at a test center. The extra time covers sign-in, identification, and orientation. If you arrive late, you may not be admitted, and your fee is forfeited — there is no grace period in the bulletin.
- Bring exactly one thing that matters most: the right ID. Admission requires one form of identification — government-issued, current, bearing your name, signature, and photograph. Driver’s licenses, state ID cards, passports, and U.S. military IDs are on the bulletin’s list (military ID is not allowed for remote testing). No temporary identification is accepted. Failure to provide appropriate identification is treated as a missed booking, with no refund.
- Expect real security. Reference materials, scratch paper, pens and pencils, and electronic devices of any kind — phones, watches, calculators, earbuds, cameras — are prohibited, along with hats and headgear not worn for religious reasons, bulky outerwear, bags, food, and drink. During check-in you may be asked to empty and turn out your pockets, lift sleeve ends and pant cuffs, and have eyeglass frames and similar items inspected. Anyone found giving or receiving assistance, communicating exam content, or holding prohibited items will have the exam terminated and the incident reported to the Department. Accompanying persons may not wait in the testing center or on its property.
- During the exam. One question appears on screen at a time, with minutes remaining displayed at the top. You can return to questions and change answers while time remains. Once seated and started at a test center, you may leave the room only for the restroom, only with proctor permission, and the clock does not stop. Remote-proctored exams allow no breaks at all — if you cannot complete the exam without one, the bulletin advises you not to register for the remote format.
- Results are immediate. Your score is displayed on screen when you finish, and the score report is emailed to you. If you did not pass, the emailed report carries the diagnostic breakdown that should drive your retake plan; duplicates can be requested from PSI by email.
- Where you can test. PSI lists New Hampshire centers in Concord, Keene, Nashua, Newington, Portsmouth, and Manchester, and notes that PSI centers in other states can also administer the exam — useful if you live near a border. If severe weather or an emergency closes a center on your date, PSI reschedules you at no additional charge.
How to study for this exam
New Hampshire has removed every procedural excuse: no required course, no specified manual, no pre-approval. What remains is a published outline and 150 questions. Study to the outline, in its own proportions:
- Build the foundation first — the Basics heading is 17% of the exam. Perils and hazards, types of loss, valuation, insurable interest, negligence and liability, damages, policy structure and clauses: this vocabulary is also the machinery every other heading runs on. Time spent here pays twice — once in the Basics questions, and again inside the homeowners, auto, and commercial scenarios that assume it.
- Give personal lines their combined weight. Personal Automobile at 11%, Homeowners at 10%, and Dwelling at 3% make personal lines 24% of the outline — the largest single block after the foundations. Learn the forms comparatively: what each covers, what each excludes, and how each pays, especially where the personal auto policy’s parts interact with New Hampshire’s own auto laws.
- Study New Hampshire law as its own subject, because it is one. Insurance Regulation (13%) and Workers’ Compensation Laws (2%) are roughly twenty-plus scored questions on material a national course cannot teach you. The centerpiece is the auto system: New Hampshire is the only state in the country where auto insurance is not generally mandatory. Under RSA chapter 264, the state instead runs a financial-responsibility system — you may drive uninsured, but if you cause damage you are responsible for it, and when proof of financial responsibility is required, RSA 264:20 sets the amount at $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage (the familiar 25/50/25). When a policy is issued, New Hampshire law requires it to include at least $1,000 of medical payments coverage. Every instinct imported from another state’s “mandatory minimums” framing has to be rebuilt for this exam — and the licensing and regulation rules in the same heading (appointments, producer duties, the Department’s authority) reward the same direct, statute-level study.
- Do not skip the commercial quarter. Commercial Property (9%), Commercial General Liability (9%), Commercial Auto (3%), and the Businessowners Policy (4%) total 25% of the exam. Candidates from personal-lines backgrounds lose more points here than anywhere else, precisely because the material feels optional. It is a quarter of your score.
- Use the small headings as cheap points. Federal Laws and Regulations (2%), Workers’ Compensation Laws (2%), Dwelling (3%), Commercial Auto (3%), and Other Types (3%) are short, bounded bodies of material. At roughly three to five questions each, they are the fastest points on the exam to secure completely.
- Practice at full length, against the clock. 150 scored questions in 150 minutes — plus experimental items you cannot identify — is a pace of under a minute per question. Flag-and-return discipline is a skill separate from knowledge, and only full generated simulations at the real weights build both at once.
- Read every explanation, especially for questions you got right. A right answer from a wrong reason is a wrong answer waiting for a different question. Explanations are where scenario knowledge actually forms.
This program’s New Hampshire practice bank (9,067 questions, with an explanation on every one — including 1,133 Insurance Regulation, 278 Workers’ Compensation Laws, and 162 New Hampshire Auto Laws questions) is built heading-by-heading on this same outline. The New Hampshire Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.
Frequently asked questions
How many questions are on the New Hampshire P&C exam?
150 scored questions in 2.5 hours, and PSI may administer 5 to 10 additional unscored experimental questions during the sitting. The experimental items are not identified and do not count toward your result.
What score do I need to pass the New Hampshire insurance exam?
The current PSI candidate bulletin for New Hampshire does not publish a numeric passing score for Series 12-64, and no official Department or NIPR source we can cite states one — so this guide does not print a figure it cannot source. Your result is shown on screen at the end of the exam and confirmed in your emailed score report. Confirm the current standard with PSI when you register, and prepare to be strong across all headings rather than aiming at an unsourced number.
Does New Hampshire require pre-licensing education?
No. The bulletin states that the Department does not specify an official study manual and that candidates are not required to take a pre-licensing study course. You choose your own preparation materials.
How much does the New Hampshire P&C exam cost?
The Series 12-64 exam fee is $72, paid to PSI when you reserve. It is non-refundable and non-transferable, and it remains valid for one year from payment. Single-line exams (Property-only 12-84, Casualty-only 12-85) cost $59 each.
How much is the license itself?
Separate from the exam: the producer application and license fee is $210, set by RSA 400-A:29 and paid through NIPR when you apply after passing. The same statute sets the biennial renewal fee at $150.
How do I register for the New Hampshire insurance exam?
Create an account on PSI’s New Hampshire insurance site (test-takers.psiexams.com/nhins), select Series 12-64, choose test center or remote proctoring, and pay — or register by phone at 855-340-3713. The name on your account must match your government-issued ID exactly.
Can I take the New Hampshire insurance exam online?
For Series 12-64, the current bulletin offers both test-center and remote-proctored scheduling. (A bulletin notice removes remote proctoring for specified Life exams effective July 6, 2026; the Property and Casualty series is not among those named — re-confirm the modality when you book.) Remote candidates must pass PSI’s system, webcam, and audio/video checks, must start within 15 minutes of the booked time, and get no breaks during the exam.
What happens after I pass the New Hampshire P&C exam?
Apply electronically through NIPR: complete the NAIC Uniform Application with your passing results on file and the $210 fee. Passing does not guarantee issuance — the Department reviews the application under RSA 402-J:6 — and to sell a carrier’s products you must also be appointed by that insurer, with the company registering the appointment within 15 days of initiating business with you.
How long is my New Hampshire exam score valid?
Two years, per NIPR’s New Hampshire page. Apply well inside that window.
If I fail, how soon can I retake the exam?
Not the same day. PSI’s example: test unsuccessfully on Wednesday, call Thursday, and you may retest as early as Friday, space permitting. Each attempt costs the $72 exam fee, and your emailed score report’s diagnostic information shows your strengths and weaknesses by examination type.
Do I need to be fingerprinted to get a New Hampshire producer license?
No fingerprint step appears in the PSI bulletin or in the application requirements of RSA 402-J:6. The background element of the process is the uniform application’s background questions and the Commissioner’s review — including whether the applicant has committed any act listed in RSA 402-J:12 — not a fingerprint appointment.
Who is exempt from the full P&C exam?
CPCU holders applying for a P&C license need only pass the New Hampshire P&C Laws and Regulations exam (Series 12-81, or 12-83 for adjusters). New residents who held a producer license in another state within the past 90 days, and nonresidents licensed in their home state, generally apply without examination.
Is there a temporary license in New Hampshire?
Only in narrow circumstances. Under RSA 402-J:11 the Commissioner may issue a temporary license for up to six months without an exam when extenuating circumstances — such as the death or military induction of an active producer — require a substitute, and only if the Commissioner finds it serves the public interest. It is not a general work-while-you-study route.
What New Hampshire-specific topics does the exam cover?
Start with Insurance Regulation (13% of the outline): producer licensing under RSA 402-J, the Department’s regulatory authority, and New Hampshire auto law — the financial-responsibility system of RSA chapter 264, the 25/50/25 amount of proof under RSA 264:20, and the $1,000 medical-payments minimum for issued policies. Add the standalone Workers’ Compensation Laws heading (2%), and the New Hampshire rules applied inside the personal auto and other policy headings.
Does New Hampshire really not require car insurance?
Correct — New Hampshire is the only state with no general compulsory auto insurance law. What it has instead is financial responsibility: drivers are personally responsible for damage they cause, and the state can require proof of the ability to pay — set at 25/50/25 by RSA 264:20 — after accidents and specified violations. Expect the exam to test the distinction, because it is the single most New Hampshire thing on it.
Disclaimer
PassProfessor is an independent exam-preparation provider and is not affiliated with the New Hampshire Insurance Department, PSI, or any state agency or exam vendor. This guide is general information about the New Hampshire licensing exam, current as of October 2026; the New Hampshire Insurance Department and PSI publications govern if anything here differs from them.