Program Description

The New York State Life and Health Insurance Licensing Program is a comprehensive course designed to prepare individuals for the New York State Life and Health Insurance Licensing Exam. This program, fully licensed and approved by the New York State Department of Financial Services, covers the essential knowledge and skills required to succeed as a life and health insurance professional in New York. The curriculum includes in-depth instruction on insurance principles, policy types, state-specific regulations, ethics, and client needs assessment. Students will gain practical understanding through case studies, real-world scenarios, and practice exams, ensuring they are fully equipped to meet the state’s licensing requirements and excel in their insurance careers.

1. Life and Health Insurance Basics                    

• Types of losses and benefits
• Uses of life insurance
• Underwriting and policy issue and delivery
• Producer’s responsibilities
• Review (Q&A) - Quiz

2. Life Insurance Policies

• Term policies
• Traditional Whole Life policies
• Universal Life and Variable Life policies
• Other specialized policies
• Types of annuities
• Uses of annuities
• Review (Q&A) - Quiz

3. Types of Health and Disability Policies

• Medical expense insurance
• Disability income policies
• Group health insurance
• Long-term care
• Review (Q&A) - Quiz

4. Policy Provisions, Options, and Riders

• Standard provisions
• Types of beneficiaries
• Disability riders
• Nonforfeiture options, dividend options, and settlement options
• Review (Q&A) - Quiz

5. Mid-Course Review

6. Medicare and Medicare Supplements

• Medicare Parts A through D Medicare Supplement plans
• Federal Regulation(s)
• Review (Q&A) - Quiz

7. Tax Considerations for Life and Health Insurance

• Personal life insurance
• Annuities
• Taxation of personally owned health insurance
• Employer-sponsored health plans
• Other related concepts
• Review (Q&A) - Quiz

8. Applicable state regulations

• Producer licensing
• Enforcing insurance laws
• Unfair trade practices
• Regulations specific to Life and Health insurance
• Review (Q&A) - Quiz

9. ​Final Review: 3 Hours

10. Final Exam: 2 Hours

Total COURSE: 42 Hours

Pre-licensing Requirements

To qualify for a license, the licensing candidate must meet the following pre-licensing requirements:

• Complete a NYS Department approved pre-licensing education course totaling not less than 40 hours of instruction for the life, accident & health authority or not less than 20 hours for either life only or accident & health only authority. The Professional Development Center at SUNY Westchester provides a NYS approved course.
• Pass, within 2 years of applying for the license, licensing exam administered by PSI Services. Visit the Exam Vendor Information page for registration and scheduling instructions. Details will be covered in class.  
• Path towards NYS License: Once a participant takes this pre licensing class and passes, the exam, you are then you qualified to take the State exam. Upon successful passing of the State Exam, you will then be licensed to sell.

Note: License Renewals, every 2 years - 15 hours of CE.

Spring Course Offerings

Dates: January 11th,14th, 18th, 21st,  25th, 28th,  and February 1st , 4th – February 8th exam
Times: Saturdays: 9:00 am – 5:00 pm - in person, instructor led, January 11th, 18th, 25th and February 1st
Tuesdays: 6:00 pm – 9:00 pm – in person, instructor led, January 14th, 21st, 28th, and February 4th
Location: Gateway Center, Valhalla (Hybrid online option available)
Catalogue #: CE-INS 2029
Class #: 71732
Cost: $ 359.00

Register over the phone using MC, Visa or Discover. Call 914-606-6830, press 1

You will need the Class # when speaking with a representative.

Registration office hours are Monday – Thursday 8:30 a.m. to 7:15 p.m.
Friday 8:30 a.m. to 4:30 p.m. (in summer, 9:00 a.m. – 12:00 noon)
Saturday 9:00 a.m. to 3:30 p.m. (in summer, closed some Saturdays)

For course questions, please contact:

Jim Irvine, Director of Corporate and Continuing Professional Education 914-606-6658 james.irvine@sunywcc.edu