NH-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts

Exam Snapshot: The Numbers You Must Know

Before you memorize a single policy provision, lock in the logistics. The New Hampshire Property & Casualty Insurance Producer Exam (NH-PC) is administered by PSI under the New Hampshire Insurance Department as Series 12-64, governed by the candidate bulletin dated August 4, 2026. Here's what that means for your test day:

• Scored items: 150 questions count toward your result.
• Experimental items: PSI may add 5 to 10 additional unscored questions mixed into the exam - you won't know which ones they are, so treat every question as if it counts.
• Time limit: 2 hours 30 minutes total.
• Fee: $72 per attempt.
• Delivery: PSI test center or remote proctoring.

If you want the full breakdown of how these logistics translate into a study plan, the NH-PC Study Guide 2026 walks through pacing and prep sequencing in more depth. For a plain look at the scoring threshold itself, see NH-PC Passing Score 2026.

Domain-by-Domain Cheat Sheet

NH-PC content is organized into 13 domains with fixed weights. Memorize these weights - they tell you exactly where your study hours belong. A deeper walkthrough of each area lives in the NH-PC Exam Domains 2026 guide, but here's the compressed version for quick review.

The remaining domains - Commercial Property Policies (9%), Commercial General Liability (9%), Businessowners Policy (4%), Dwelling Policy Concepts (3%), Commercial Automobile Policy (3%), Other Types of Property and Casualty Insurance (3%), Federal Laws and Regulations (2%), and Workers' Compensation Laws (2%) - carry lighter weight individually but collectively make up a meaningful chunk of the exam. Don't skip them entirely; a handful of quick-reference flashcards per topic is usually enough.

Registration, Fees, and Application Mechanics

NH-PC has a lean process compared to many licensing exams, but the sequence matters. Here's the order of operations:

1. No prelicensing course required. New Hampshire does not mandate a course before you sit for Series 12-64, though self-study is still essential.
2. Schedule and pay. The exam costs $72, paid through PSI when you book your test date.
3. Sit for the exam. Choose a PSI test center or remote proctoring - both are valid options for this exam.
4. Pass, then apply. Resident applicants who pass submit their producer application and fees electronically through NIPR - the license application comes after the exam, not before.

For a full cost breakdown including what to budget beyond the exam fee itself, check the NH-PC Certification Cost 2026 article. If you're still confirming whether you meet basic eligibility, the NH-PC Requirements 2026 guide covers prerequisites in detail, and NH-PC Exam Dates 2026 covers scheduling windows and deadlines.

Question Format and What PSI Actually Tests

All 150 scored questions (plus any of the 5-10 unscored experimental items PSI mixes in) are delivered in a standard multiple-choice format. There's no way to visually distinguish scored questions from experimental ones, so pacing consistency matters more than trying to guess which items "count." With 2 hours 30 minutes for up to 160 questions, you have roughly a minute per question - enough time to read carefully but not enough to second-guess every answer repeatedly.

PSI questions on NH-PC tend to test application over rote memorization. Rather than asking you to define a term in isolation, expect scenario-style prompts: a claim situation, a policy provision conflict, or a producer conduct question that requires you to apply a rule from Insurance Regulation or General Insurance Concepts to a specific fact pattern. This is why understanding the logic behind policy structure - not just memorizing definitions - pays off across nearly every domain.

If you're trying to gauge how challenging this actually is relative to your background, How Hard Is the NH-PC Exam? breaks down difficulty factors, and NH-PC Pass Rate 2026 looks at what the available data shows about outcomes.

Alternate Pathways: CPCU and Waivers

Not every candidate needs to sit for the full Series 12-64 content exam. Two alternate routes exist for specific situations:

• CPCU designation route: Candidates who already hold the CPCU designation may qualify for Series 12-81, a state-law-only exam that skips the general property and casualty content and focuses purely on New Hampshire-specific regulation.
• Reciprocity-style waiver: Qualifying new residents who held equivalent producer authority in another state within the previous 90 days may receive an exam waiver entirely, bypassing the testing requirement.

If either of these applies to you, confirm eligibility details directly with the New Hampshire Insurance Department before assuming you're exempt - timing and documentation requirements are strict. For everyone else, the full Series 12-64 exam covering all 13 domains is the path forward.

Final-Week Review Schedule

In the last stretch before your test date, structure your review around domain weight rather than alphabetical order or textbook sequence. This isn't a generic study calendar - it's built specifically around NH-PC's weighting.

Run a few timed practice sessions on our NH-PC practice test platform during this window so the pacing feels familiar before test day. If you want a more granular week-by-week plan spanning multiple weeks rather than just the final stretch, the NH-PC Study Guide 2026 lays that out in full.

Quick-Facts Table for Last-Minute Review

Want to understand who's actually hiring NH-PC-licensed producers and what the license opens up? The NH-PC Jobs page and NH-PC Salary Guide 2026 cover the career side, and Is the NH-PC Certification Worth It? weighs the overall return before you commit study time.

Frequently Asked Questions