Insurance License Hub

The North Dakota Legal Expense license

Legal Expense

Sells legal expense insurance, including prepaid legal service, in North Dakota. The seller takes a reduced examination; the organization behind the plan is licensed separately and much more heavily, under chapter 26.1-19, which asks it for a certificate of authority and a $500 application fee.

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.

The Life and Annuity, Accident and Health, Property and Casualty papers are $64 each. Every other paper is $58.

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 Pass the reduced Legal Expense examination

    State exam required

    N.D. Admin. Code 45-02-02-04(5)(d) names the product type "Legal expense, including prepaid legal service" and puts it on the reduced examination. PSI gives the paper as ND Legal Expense. N.D. Admin. Code 45-13-01-02(4) lists both legal expense and prepaid legal service among the products inside the Casualty line, so this is a narrowing of Casualty rather than a line of its own, and 45-13-01-04 sends the company marketing the plan to chapter 26.1-19 for a certificate of authority before it may transact at all. N.D. Admin. Code 45-02-02-04(5) names five product types an applicant may be licensed to write on a reduced examination rather than the full line paper: bail bonds, credit, crop or crop hail, legal expense including prepaid legal service, and personal lines. The authority for the reduction is N.D.C.C. 26.1-26-25(4), which lets the commissioner find by rule that the full requirements would be too burdensome and unrelated to a specific product type. No course sits in front of any of them: 26.1-26-15.1 is headed Prelicensure education and its whole text is now "Repealed by S.L. 2001, ch. 262, section 136".

    Read at ndlegis.gov on 2026-08-20

  2. Route 2 Hold the same line in another state

    Exempt from the state exam

    • an insurance producer license carrying the Legal Expense line of authority in another state

    N.D.C.C. 26.1-26-25(1). Somebody previously licensed for the same lines of authority in another state may not be required to complete any prelicensing education or examination. The exception holds while that other license is current, or if the application arrives within 90 days of its cancellation and either the prior state certifies good standing at that point or the NAIC producer database shows it for the line being asked for.

    Read at ndlegis.gov on 2026-08-20

  3. Route 3 Move to North Dakota and apply within 90 days

    Exempt from the state exam

    • 90 days Licensed as an insurance producer in another state carrying the Legal Expense line of authority there, and applying to become a North Dakota resident licensee within 90 days of establishing legal residence.

    N.D.C.C. 26.1-26-25(2). Somebody licensed as a producer in another state who moves to North Dakota has 90 days from establishing legal residence to apply as a resident licensee, written as a duty. Neither prelicensing education nor an examination may be required for a line of authority previously held in the prior state unless the commissioner determines otherwise by rule.

    Read at ndlegis.gov on 2026-08-20

No pre-licensing course is required for the legal expense product type, and no national seller prices a North Dakota legal expense product.