Insurance License Hub

The New Hampshire Insurance Consultant license

Insurance Consultant

Advises policyholders for a fee rather than a commission. The license is defined by the words you may use about yourself, and the list of forbidden titles runs to seven.

Course

None

This license has no pre-licensing course route.

Ways in

3

2 of them skip the state exam.

Exam

Varies

Priced per paper. The prices are below.

A combination paper is $72. Every other paper is $59.

Every way to qualify

More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. There is no pre-licensing course among them: this license is qualified for by sitting the examination, a license held in another state or moving here already licensed.

  1. Route 1 Hold a producer license and be licensed to consult

    State exam required

    • a valid New Hampshire insurance producer license under RSA 402-J, which RSA 405:44-a requires of every consultant

    RSA 405:44-a is the unusual one, because it defines the licensed activity partly by vocabulary. Nobody may put on an advertisement, card, sign, circular or letterhead the title "insurance consultant", "insurance adviser", "insurance specialist", "insurance counselor", "insurance analyst", "policyholders' advisor" or "policyholders' counselor", or any similar title, without a producer license and compliance with RSA 405:44-a through 44-g. The second limb is the substantive one: examining a policy for a fee, or advising on whether to alter, exchange, convert, replace, surrender, continue, renew or reject one. RSA 405:44-a, II then defines "fee" by what it excludes, which is the commission an insurer pays a producer, so the line between a producer and a consultant here is who pays. RSA 405:44-b issues "a producer's license to act as an insurance consultant" to anybody at least 18 who applies under RSA 402-J, and its paragraphs II and III, which once held the standards, are repealed. RSA 402-J:6 is the closed list of what the commissioner must find before approving a resident producer application, and its third item is the one worth looking at: it reads "[Repealed.]" and the slot has been empty since 2008-07-11, when 2008, 18:1, III took the education requirement out. What is left is age, no disqualifying act, the fees, and the examinations passed for the lines applied for. RSA 402-J:5 sets the examination itself, testing the lines applied for, the duties of a producer and the insurance laws of the state. RSA 402-J:9 waives both the education and the examination for somebody currently licensed for the same lines in another state, or applying within 90 days of that license being cancelled with good standing certified or shown in the NAIC database, and again for a producer who moves here and applies within 90 days.

    Read at the Department on 2026-08-19

  2. Route 2 Hold the same line in another state

    Exempt from the state exam

    • an insurance producer license carrying this line of authority in another state, current, or cancelled within the last 90 days with good standing certified by that state or shown in the NAIC Producer Database

    RSA 402-J:9, I. New Hampshire waives "any prelicensing education or examination" on this route, which is a wider form of words than the statute needs, because the prelicensing education it refers to has not existed here since 2008.

    Read at the Department on 2026-08-19

  3. Route 3 Move to New Hampshire and apply within 90 days

    Exempt from the state exam

    • 90 days Licensed as an insurance producer in another state carrying this line of authority there, and applying to become a New Hampshire resident licensee within 90 days of establishing legal residence.

    RSA 402-J:9, II, written as a duty rather than an option: a producer who moves here "shall make application within 90 days". No prelicensing education or examination is required for a line of authority previously held, except where the commissioner determines otherwise by regulation.

    Read at the Department on 2026-08-19

No national seller sells a course for this license. What a New Hampshire consultant sits is the producer examination for the lines they intend to advise on, and those papers have a course list on this site.