North Dakota Insurance Licensing State Requirements

North Dakota Insurance Department

How to Get Your North Dakota Insurance License

1. Complete an Insurance Exam Prep Course

The Designated Home State (DHS) adjuster license is available to individuals who are 1) residents of a state that does not license adjusters, or 2) to individuals that are company adjusters and reside in a state that only licenses independent adjusters and wants to designate another state as their home state. 

2. Pass Your North Dakota Licensing Exam

After completing your exam prep course, you must pass a state licensing exam. Kaplan’s exam prep content is based directly on the North Dakota licensing exams, so you will be prepared to pass the first time. 

Exam Provider: PSI (effective 03/01/2022) - https://test-takers.psiexams.com/ndins

The applicant must pass the appropriate exams for the lines of authority for which they are seeking to qualify. Exam scores are valid for one year after the date of the exam. The application for licensure must be received by the North Dakota Insurance Department within that year.

Exams are administered by PSI. For additional exam information or to schedule an exam, visit PSI's website or call (855) 340-3905.

For major lines of authority (life and annuities, accident and health, property and casualty) you must pass both parts of the appropriate exams, one part on general product knowledge and one part specific to North Dakota state law.

Anyone applying to become a North Dakota resident insurance producer must undergo a criminal background check, which includes fingerprinting. This requirement does not apply to individuals renewing their license, individuals who apply for a license within 12 months after their license was canceled or expired, unless the license was suspended or revoked, or individual resident producers who are adding a line of authority to an existing license. Fingerprints are collected at the test site following passage of the licensing exam.

Frequently Asked Questions About the North Dakota Licensing Exam

• State Issued Driver’s License
• State Issued Identification Card
• US Government Issued Passport
• US Government Issued Military Identification Card
• US Government Issues Alien Registration Card

• Credit Card (must be signed)

• Social Security Card

• Candidates will have access to an online calculator.
• Candidates will be given a piece of scratch paper and a pencil. These will be returned to the proctor at the end of the examination.
• Candidates may take only approved items into the examination room.
• All personal belongings of candidates, with the exception of close-fitting jackets or sweatshirts, should be placed in the secure storage provided at each site prior to entering the examination room. Personal belongings include, but are not limited to, the following items:
• Electronic devices of any type, including cellular / mobile phones, recording devices, electronic watches, cameras, pagers, laptop computers, tablet computers (e.g., iPads), music players (e.g., iPods), smart watches, radios, or electronic games.
• Bulky or loose clothing or coats that could be used to conceal recording devices or notes, including coats, shawls, hooded clothing, heavy jackets, or overcoats.
• Hats or headgear not worn for religious reasons or as religious apparel, including hats, baseball caps, or visors.
• Other personal items, including purses, notebooks, reference or reading material, briefcases, backpacks, wallets, pens, pencils, other writing devices, food, drinks, and good luck items.
• Person(s) accompanying an examination candidate may not wait in the examination center, inside the building, or on the building's property. This applies to guests of any nature, including drivers, children, friends, family, colleagues, or instructors.
• No smoking, eating, or drinking is allowed in the examination center.
• During the check-in process, all candidates will be asked if they possess any prohibited items. Candidates may also be asked to empty their pockets and turn them out for the proctor to ensure they are empty. The proctor may also ask candidates to lift up the ends of their sleeves and the bottoms of their pant legs to ensure that notes or recording devices are not being hidden there.
• Proctors will also carefully inspect eyeglass frames, tie tacks, or any other apparel that could be used to harbor a recording device. Proctors will ask to inspect any such items in candidates’ pockets.
• If prohibited items are found during check-in, candidates shall put them in the provided secure storage or return these items to their vehicle. PSI will not be responsible for the security of any personal belongings or prohibited items.
• Any candidate possessing prohibited items in the examination room shall immediately have his or her test results invalidated, and PSI shall notify the examination sponsor of the occurrence.

Your score will be given to you immediately following completion of the examination. A total score of 70% is required to pass. The following summary describes the score reporting process:

• On screen: Your score will appear on the computer screen, either when you complete all the exam questions or automatically at the end of the time allowed for the examination.
  
• If you pass, you will immediately be notified that you passed the examination, and you will be provided information about how you performed on each area of the exam. Total score of 70% is required to pass. 
• If you do not pass, you will be notified that you failed the examination, and you will be provided information about how you performed on each area of the exam.
• On paper: Make sure to obtain your printed score report from test center staff before you leave the test center. 

• If you fail any portion of the examination, you will need to retake ONLY that failed portion. A passing score is valid for one year. For a two-portion examination, if you fail one portion, you must pass that portion within one year of passing the first, passed portion. You may retest an unlimited number of times.
• You cannot make a new examination appointment on the same day you have taken an examination because we need time to process and report examination results. A candidate who fails an exam on a Wednesday can call the next day, Thursday, and can retest as soon as Friday, depending upon space availability. 

3. Get Fingerprinted

An applicant must make arrangements with PSI to schedule an exam and to be fingerprinted. All resident applicants applying for their initial resident insurance producer license must provide a set of fingerprints to the North Dakota Insurance Department for the purpose of conducting a state and national fingerprint-based criminal history records check. While fingerprinting can be done at PSI Test Centers, fingerprinting can also be done at other locations. If you are not having your fingerprints done at a PSI Test Center, contact the Producer Licensing Division of the North Dakota Insurance Department for more information.

Applicants may be fingerprinted at one of the PSI test centers during regular testing hours on the day of examination. A fingerprinting processing fee of $29.00 is due to PSI, which can be paid by credit card, check, or money order.

Applicants must provide PSI with a check or money order in the amount of $41.25 payable to the North Dakota Attorney General. Credit cards are not accepted.

Upon completion of the fingerprinting, PSI will mail the signed consent form, fingerprint card, and BCI payment ($41.25) directly to the North Dakota Insurance Department

4. Apply for North Dakota Insurance License

5. Plan to Complete Required Insurance Continuing Education (CE) Credits