New Hampshire
New Hampshire insurance licensing: requirements, renewal, and agency rules
New Hampshire licenses producers under RSA 402-J through NIPR and State Based Systems (SBS Connect), the state's system of record for licensing, CE tracking, and self-printed licenses; the Insurance Department doesn't mail paper licenses.
- Renewal cycle
- Every 2 years
- CE hours
- 24 hours (3 ethics)
- Application fee
- $210
- DOI phone
- 603-271-2261
Overview
New Hampshire licenses producers under RSA 402-J through NIPR and State Based Systems (SBS Connect), the state's system of record for licensing, CE tracking, and self-printed licenses; the Insurance Department doesn't mail paper licenses. The state dropped prelicensing education in 2008, and on July 1, 2025 it switched exam vendors from Prometric to PSI Services. New Hampshire runs a strict just-in-time appointment model under RSA 402-J:14 and gives no grace period for a late renewal. A lapsed license has to be reinstated within two years or fully reapplied for, exam included, after that.
How to get licensed
Confirm you don't need prelicensing
New Hampshire dropped its prelicensing education requirement in 2008. You can go straight to the exam for producer lines like life, accident and health, and property and casualty.
Register for and pass your exam
New Hampshire uses PSI Services as its exam vendor, having switched from Prometric on July 1, 2025. Review the NH candidate bulletin before scheduling. Since July 2026, the Life and Life & Health exams require in-person testing at a PSI center rather than remote proctoring.
Apply for your license
The fastest path is to apply through InsureTrek — we file your New Hampshire application for the state's $210 fee, pulled from NIPR at the moment of application.
Wait for approval
NHID typically processes a complete NIPR application within 24 hours. If a background-history answer needs supporting documents, they have to be in within 30 days of the request. New Hampshire doesn't fingerprint producer applicants or run a criminal background check under RSA 402-J; that authority exists only for public adjusters under RSA 402-D.
Print your license
New Hampshire doesn't mail paper licenses. Once approved, self-print yours through SBS Connect, the state's licensing system of record.
Prelicensing education
Not required. New Hampshire has not required prelicensing education since 2008; producers move straight to the exam.
Exam
Vendor: PSI Services LLC. Exam fees vary by line, commonly $59 for a single line and $72 for combined or property and casualty exams, per PSI's current candidate bulletin. Check the bulletin for the exact fee before you register.
Fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident producer license | $210 | $150 |
| Non-resident producer license | $210 | $150 |
| Business entity (agency) license NHID's fee schedule doesn't break out a separate business-entity row; check the current amount on NIPR when you apply. | — | — |
| Insurance Claims Adjuster (RSA 402-B) Same fee for the initial license and each biennial renewal. | $75 | $75 |
| Public Adjuster (RSA 402-D) Same fee for the initial license and each biennial renewal. | $100 | $100 |
| License amendment (add or remove a line of authority) | $50 | — |
| Producer appointment (insurer-filed) One-time, lifetime appointment fee paid by the sponsoring insurer. No periodic appointment renewal. | $25 | — |
| Reinstatement (lapsed license, within 2 years) Producers pay a flat $300. Adjusters and public adjusters pay 2x their biennial renewal fee instead. | $300 | — |
Fees as of 2026-08-21. Fees change without much notice. When you apply through InsureTrek, we always use the current fee at the moment of application. Sources: NIPR - New Hampshire Resident Licensing (Individual), NIPR - New Hampshire Non-Resident Licensing (Individual), NIPR - New Hampshire Resident Licensing (Business), NHID - Licensing Fees
Renewal & CE
Renewal window — Individual licenses expire on the last day of your birth month, with an initial term of 13 to 25 months before the first renewal. NHID's Producer Licenses and Adjusters Licenses pages both put the renewal window at 90 days before expiration; the general FAQ page separately says 60 days, which appears to describe NHID's email reminder timing rather than the window itself. Continuing education must be complete at least 60 days before your expiration date. Business entity licenses run on a separate two-year cycle expiring May 31.
Grace period: None. New Hampshire does not accept late renewals. A lapsed license can be reinstated within 2 years for a $300 fee plus current CE compliance; after 2 years you must fully reapply and retake the exam.
A one-time, NH-approved basic flood course (using a FEMA-prefixed course number) is required within one year of receiving property and casualty authority granted on or after January 1, 2008. Required ethics hours per cycle range from 3 to 10 depending on course offerings; 3 is the floor. Producers who sell annuities need a one-time 4-credit best-interest annuity training course approved by NHID, under Ins 305.06, before soliciting annuity business.
24 total CE hours per renewal term, including 3 ethics hours.
Nonresident adjusters and public adjusters are generally exempt from New Hampshire CE unless New Hampshire is their designated home state.
| Line | Hours | Notes |
|---|---|---|
| Workers' Compensation Adjuster | 24 | 10 of the 24 hours must be workers' compensation-specific. |
| Public Adjuster | 15 | Runs on its own 15-hour cycle under RSA 402-D, including 3 ethics hours, separate from the standard producer/adjuster cycle. |
For agencies and non-residents
Agencies, appointments & DRLP
Any entity that sells, solicits, or negotiates insurance in New Hampshire, including through advertising, needs its own business entity license, for a $210 initial fee. Every entity must name a Designated Responsible Licensed Producer (DRLP), and the DRLP's individual lines of authority set what the entity can transact. A non-resident entity's DRLP must also hold the matching license in the entity's resident state. Business entity licenses expire May 31 on a two-year cycle, and entities must separately register with the New Hampshire Secretary of State's Corporate Division.
New Hampshire has no appointment requirement until a producer actually acts on an insurer's behalf. Under RSA 402-J:14, the insurer must file the appointment within 15 days of the agency contract or the date of the first insurance application submitted, whichever is earlier. The appointment fee is $25 and, once filed, stays active indefinitely, with no periodic appointment renewal.
Appointments — Just-in-time appointments: Just-in-time: no appointment is needed before a producer's first transaction on an insurer's behalf, only within 15 days after (RSA 402-J:14). Deadlines: Under RSA 402-J:15, an insurer must notify the commissioner within 15 days of a termination's effective date and mail the producer a copy within 15 days. The producer then has 30 days to file written comments with the commissioner.
Managing DRLPs across states? See how InsureTrek handles it →
Non-residents
New Hampshire honors a home-state license in good standing, generally waiving the NH exam for comparable lines of authority. Non-residents apply through InsureTrek for the same $210 initial state fee residents pay. Non-resident adjusters qualify through their home-state adjuster license, through 6 months of verifiable claims experience if their home state doesn't license adjusters, or by passing the NH exam and designating New Hampshire as their home state.
Apply for a non-resident New Hampshire license through InsureTrek, plus the state fee.
Official resources
- New Hampshire Insurance Department — licensing
- DOI phone: 603-271-2261
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-08-21. Requirements change — verify current rules with the New Hampshire Insurance Department or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- Ins 305 - Suitability in Annuity Transactions — accessed 2026-08-21
- NHID - Producer Licenses — accessed 2026-08-21
- NHID - Producers & Adjusters FAQ — accessed 2026-08-21
- NHID – Producers & Adjusters — accessed 2026-08-19
- NIPR – New Hampshire non-resident licensing (individual) — accessed 2026-08-19
- NIPR – New Hampshire resident licensing (individual) — accessed 2026-08-19
- PSI – New Hampshire insurance candidate bulletin — accessed 2026-08-19
- RSA 402-J (Producer Licensing) — accessed 2026-08-21
- State Based Systems – New Hampshire license lookup and printing — accessed 2026-08-19
FAQs
How much does it cost to get an insurance license in New Hampshire?
NHID's initial license fee is $210. On top of that you'll pay PSI exam fees, typically $59 for a single-line exam and $72 for a combined or property and casualty exam. Check PSI's current bulletin before budgeting.
Do I need a prelicensing course before I can sit for the New Hampshire exam?
No. New Hampshire dropped its prelicensing education requirement in 2008, so you can register for the exam without a prior course.
Where do I take the New Hampshire insurance licensing exam?
New Hampshire switched exam vendors from Prometric to PSI Services on July 1, 2025. Register at test-takers.psiexams.com/nhins. Since July 2026, the Life and Life & Health exams require in-person testing rather than remote proctoring.
How do I look up or verify a New Hampshire insurance license?
Use the free lookup at statebasedsystems.com/solar/index.html, New Hampshire's licensing system of record, to check status, lines of authority, and appointments for an individual or entity.
How long does it take to get licensed in New Hampshire?
NHID typically processes a complete NIPR application within 24 hours. Your total timeline also depends on how quickly you schedule and pass your PSI exam, which NHID doesn't control.
What happens if my New Hampshire license expires?
New Hampshire has no grace period for late renewal. Within 2 years of expiration you can reinstate for a $300 fee plus proof of current CE; after 2 years you have to reapply from scratch, including retaking the exam.
Can I get a New Hampshire non-resident license without retaking the exam?
Generally yes. A home-state license in good standing lets you skip the New Hampshire exam for comparable lines of authority. You still apply through InsureTrek and pay the same $210 state fee residents pay.
How much continuing education do I need, and how often do I renew?
New Hampshire licenses run on a 2-year cycle, expiring on the last day of your birth month, with 24 CE hours due each cycle including at least 3 ethics hours. If you hold property and casualty authority granted on or after January 1, 2008, you also need a one-time basic flood course within your first year.
See how InsureTrek handles New Hampshire licensing at scale.
Renewals, CE, and appointments tracked across every state your producers write in.