This pathway covers the Accident and Health authority under New York’s Life, Accident & Health Agent class. The separate broker route and broker-only waivers are not represented as the ordinary agent pathway.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Resident individual applicant
- General eligibility explanation
- Ordinary first-time New York resident individual seeking the Accident and Health authority under the LA agent class.
Prelicensing education
- Prelicensing education required
- Yes
- Required education hours
- 20
- Education requirement explanation
- Complete a DFS-approved 20-hour Accident and Health prelicensing course before the examination unless an applicable official waiver applies.
- Exemptions available
- Yes
- Exemption explanation
- DFS publishes applicant-specific education and examination waivers. Broker-only waivers do not control this ordinary LA agent pathway.
Background
- Fingerprints required
- No
- Background check required
- Yes
- Fingerprint / background instructions
- DFS conducts background review, but the ordinary LA agent instructions do not publish a separate fingerprint-submission step. Do not infer that background review is absent.
Application
- Application required
- Yes
- Application fee
- $80 full fee or $40 half fee, based on the initial license period; nonrefundable.
- Application channel / system
- New York DFS online licensing application
- Application instructions
- Complete education, pass PSI exam 17-52, allow 1–3 business days for results, and apply within two years. Insurer appointment is not required for issuance.
- Official application reference
- https://www.dfs.ny.gov/apps_and_licensing/agents_and_brokers/original_license_resident
Renewal & maintenance
- Renewal cycle
- Up to two years, based on birthday parity
- Renewal fee
- $80 full fee or $40 half fee, as applicable
- CE required
- Yes
- CE hours
- 15
- CE cycle
- Each license period
- Ethics hours
- At least 1 ethics hour and applicable diversity/flood/law requirements
- CE explanation
- Complete the current DFS producer CE composition for each licensing period.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- Matching-authority nonresident and mover rules are applicant-specific; confirm DFS requirements before relying on waiver treatment.
Military / veteran / spouse
- Veteran-specific provisions
- No LA Accident and Health-specific initial veteran or military-spouse waiver was verified in the governing source set.
Source governance
- Primary authoritative source
- https://www.dfs.ny.gov/apps_and_licensing/agents_and_brokers/lic_app_la_lb
- Secondary official sources
- PSI New York Insurance Candidate Information Bulletins 7217, 7228 and 7208; DFS original resident application instructions
- Statute / regulation reference
- New York Insurance Law Article 21
- Source reference URL
- https://test-takers.psiexams.com/api/content/bulletin/7228
- Last verified date
- 2026-08-24
- Verification status
- Verified
- Review / recheck date
- 2026-11-24
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