New York State Life, Accident & Health Insurance Exam Preparation

Location(s): SUNY Westchester Community College

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

New York State Life, Accident & Health Insurance Exam Prep, IN-PERSON,
4 Thurs. 5 Sat., Apr 18 - May 16 (Thurs. 6-9 pm & Sat. 9 am-5 pm), $439 plus $10.50 registration fee (cost of books not included), #37697CE-INS 2029

Register over the phone using MC, Visa or Discover:

To register, please call 914-606-6830.

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:

Eridania Camacho
914-606-5616
Eq10@sunywcc.edu