Insurance · New York
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New York insurance FAQs
Yes. Adjuster applications are submitted online through NY LINX, and the required licensing exam is administered by PSI both at New York test centers and by remote proctoring. Resident applicants must also be fingerprinted electronically at a New York-authorized IdentoGO center. Independent adjuster candidates need no prelicensing course, while public adjuster candidates must complete a 40-hour approved course first.
Yes. New York Insurance Law lets you satisfy the required prelicensing classroom hours through correspondence or internet study instead of in person, and PSI offers the licensing exam by remote proctoring as well as at its New York test centers. Residents then apply online through NIPR, and the Department does not mail paper licenses; you print your license from Producer/Licensee Search.
Insurance sales agents earned a median annual wage of $62,280 in May 2025, according to the U.S. Bureau of Labor Statistics. The lowest 10 percent earned less than $37,330, and the highest 10 percent earned more than $138,140. Pay varies by industry: direct health and medical insurance carriers paid a median of $73,440, and insurance agencies and brokerages paid $61,550.
Yes, in New York both independent and public adjusters must hold a license. Independent adjuster candidates need no prelicensing course but must pass the exam, while public adjuster candidates must complete a 40-hour prelicensing course, pass the exam, post a $1,000 bond, and submit five certificates of character. The license fee is $100 for terms over one year and $50 for one year or less.
Yes, every step can be completed without going to an office. New York Insurance Law 2103 accepts prelicensing education through classroom work or the equivalent correspondence or internet course, and PSI, the Department's exam contractor, offers the licensing exam by remote proctoring as well as at its test centers. Residents apply online through the Department's NY LINX portal, and because the Department does not mail paper licenses, you print the license yourself.
To become a New York accident and health broker, complete a Department-approved prelicensing course of at least 20 hours (or 40 hours combined with life), pass the PSI licensing exam, and apply online through NY LINX. A broker represents the insured and can place business with any New York authorized company that will accept it, though some companies only work with appointed agents. The resident license fee is $80 for a term over one year.
Complete a 40-hour Department-approved prelicensing course, pass the PSI public adjuster exam within 2 years of applying, and submit fingerprints through IdentoGO. You must also post a $1,000 bond covering the licensing period, provide five certificates of character from community members who have personally known you for at least five years, and pay the $100 license fee ($50 for a term of one year or less). Public adjuster licenses expire on December 31 of even-numbered years.
To become a title insurance agent in New York, you must pass the title insurance agent exam administered by PSI Services and submit an application to the Department of Financial Services, which charges $40 per year or fraction of a year for the individual license. Exam exemptions include a New York-licensed attorney in good standing, someone licensed as a title insurance agent within the last 2 years, and nonresidents licensed as title producers in their home state.
To work as an independent insurance agent in New York, you get licensed by the Department of Financial Services, then contract with the insurers whose products you sell. You must be at least 18 years old, complete a Department-approved prelicensing course (90 hours for property/casualty, 40 hours for life, accident and health, or 20 hours for a single line), and pass the licensing exam administered by PSI Services. You then apply online, and each company you represent must file a notice of appointment with the Department within 15 days of the agency contract or first insurance application.
New York licenses two adjuster types. Independent adjusters, who act for insurers, need no prelicensing course but must pass a PSI line exam; public adjusters, who represent policyholders, must complete a 40-hour approved course, pass the exam, post a $1,000 bond, and submit five certificates of character. Both apply online through NY LINX, pay a $100 fee ($50 for terms of one year or less), and complete fingerprinting through IdentoGO.