New Jersey Life & Health Insurance License Practice Exam
New Jersey tests Life and Accident & Health on separate PSI exams, with 20 hours of pre-licensing per line. PSI states a minimum of 70% to pass. Practice both lines here, free.
NJ Life & Health — Study by Topic
NJ has separate Life and A&H exams. Drill individual domains or take a timed practice exam for either line.
Life Insurance
Term, whole life, universal life, annuities, riders, policy provisions, nonforfeiture, beneficiaries, underwriting.
Accident & Health
Individual and group health, disability income, LTC, managed care, Medicare, COBRA, ACA, NJ SEHBP.
NJ State Law
Commissioner of DOBI, N.J.S.A. Title 17, producer licensing, unfair practices, guaranty association, fraud, privacy.
Full NJ Life Exam
Timed practice exam on life insurance and New Jersey law. PSI states a minimum of 70% to pass the real exam.
🌟 Full NJ A&H Exam
Timed practice exam on accident and health insurance and New Jersey law. PSI states a minimum of 70% to pass the real exam.
About the New Jersey Life & Health Insurance Exam
The New Jersey producer licensing exams are administered by PSI Services LLC for the New Jersey Department of Banking and Insurance (DOBI). New Jersey tests one exam for each line of authority, so the Life exam and the Health (accident and health or sickness) exam are separate, and the Department's FAQ says you must pass the exam for the specific line you want. Before you can sit for an exam you must complete 20 hours of prelicensing education per line (40 hours for combined Life and Health) from a Department-approved provider, or obtain a Department waiver (N.J.A.C. 11:17-3.4(c)). Exams are offered at PSI test centers or by remote proctoring.
PSI's New Jersey page states that you need a minimum of 70% to pass. The candidate bulletin does not publish the number of scored questions or the time limit, and says 5 to 19 unscored pretest questions may be included. Your PSI score report is valid for one year. The Department charges $150 for a two-year major-line license, and resident producers must complete 24 CE credits (3 in ethics) each term.
New Jersey Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| NJ — Regulatory content (every line) | Not published | State regulatory jurisdiction, the Commissioner's powers and regulatory methods, producer licensing, trade practices, standards of conduct and ethics, doing business as a licensed producer, and insurance fraud detection and prevention |
| Life: general life concepts | Not published | Life insurance concepts, suitability, annuities, variable contracts |
| NJ — Life law and practice | Not published | New Jersey life insurance law and practice |
| Accident & Health: general health concepts | Not published | Health insurance concepts for accident and health or sickness coverage |
| NJ — Health law and practice | Not published | New Jersey health insurance law and practice |
PSI's New Jersey candidate bulletin links a content outline but does not publish scored-question counts or topic weights, so none are shown. These rows follow the prelicensing course content that N.J.A.C. 11:17-3.4(b) and (c) require for each line. PSI says 5 to 19 unscored pretest questions may be added to an exam.
What Makes the New Jersey Life & Health Exam Different
Separate exams for each line. New Jersey gives one exam per line of authority, and prelicensing is 20 hours for Life, 20 hours for Health and 40 hours if you take both (N.J.A.C. 11:17-3.4(c)). PSI's bulletin says candidates for Life and Health must bring a prelicensing completion certificate (or a DOBI waiver) to the exam, and retake candidates must bring the certificate or their failing score report.
Waivers. The Department may waive the prelicensing course for a Life designation (CEBS, ChFC, CIC, CFP, CLU, FLMI, LUTCF) or an accident and health designation (RHU, CEBS, REBC, HIA), and no course or exam is required for the same lines if you hold a current license in good standing in another state or apply within 90 days of cancelling it (N.J.A.C. 11:17-3.4(e) and (g)). Apply for a waiver before you register, because it expires 90 days after issue.
Life policy provisions the Department checks. DOBI's life form checklist cites a 10-day free look (N.J.S.A. 17B:25-2.1), incontestability after no more than two years except for nonpayment of premium (N.J.S.A. 17B:25-4) and a 61-day grace period on universal life (N.J.A.C. 11:4-41.3(b)2vi). Knowing these numbers helps on both the Life exam and real policy review.
Temporary authority and fingerprints. PSI says a candidate who passes Life or Health may qualify for temporary work authority at the test center. It lasts 60 days from the exam date and requires supervision by a licensed producer. Individual applicants must complete Live Scan fingerprinting before applying online, because the application cannot be processed until the criminal history review is complete (DOBI licensing page).
Sample New Jersey Life & Health Insurance Exam Questions
1. Under the New Jersey requirements for individual life insurance policy forms, a policy must become incontestable after no more than how long, except for nonpayment of premiums?
2. What minimum grace period does New Jersey require on a universal life insurance policy?
3. A producer holds a current Life and Health license in good standing in another state and applies for a New Jersey resident license for the same lines. What does N.J.A.C. 11:17-3.4 require?
Study Tips for the New Jersey Life & Health Exam
PSI does not publish question counts or a time limit for the New Jersey exams, so ignore any site that quotes exact numbers and read the current PSI candidate information bulletin before you register. Plan for a minimum of 70%.
Study the subjects the Department requires every prelicensing course to cover: the Commissioner's powers, producer licensing, trade practices and ethics, and fraud. Then learn the Life concepts the course must include (suitability, annuities and variable contracts) and the Health concepts, with the New Jersey law for each.
Memorize the policy-provision numbers in the Department's checklist: 10-day free look, incontestability after no more than two years, the 61-day universal life grace period and the two-year contestability limit on reinstated policies.
Also licensing in property or casualty? See our New Jersey Property & Casualty practice exam. National content is in our life and health practice exam, and our insurance license exam study guide covers exam strategy.
How to Get Your New Jersey Life & Health Insurance License
There are four steps to get your New Jersey insurance producer license for the Life and Health lines.
Steps to Get Your New Jersey Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Prelicensing Education | Complete 20 hours for each line (40 hours for Life and Health together) with a Department-approved provider, or apply to DOBI for a waiver before you register for the exam. Courses must cover New Jersey insurance regulation as well as the line itself. |
| 2. Register and Schedule | Create a PSI account under your exact legal name, bring one current government-issued photo ID and your prelicensing certificate or DOBI waiver, and choose a test center or remote proctoring. Cancel at least 2 days ahead to keep your fee. |
| 3. Pass the Exam | PSI states a minimum of 70% to pass. You cannot retest on the same day you test, and your PSI score report is valid for one year. |
| 4. Fingerprint, Apply and Maintain | Complete Live Scan fingerprinting, then apply online (the Department points applicants to NIPR). The license fee is $150 for two years. To renew, complete 24 CE credits including 3 in ethics. |
New Jersey Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Life; Health (accident and health or sickness); each has its own exam |
| Pre-license education | 20 hours per line, 40 hours for Life and Health together (N.J.A.C. 11:17-3.4(c)) |
| Exam | One PSI exam per line; scored-question count not published |
| Time limit | Not published in the PSI bulletin |
| Passing score | Minimum of 70% (PSI) |
| Fingerprints | Live Scan fingerprinting before applying online |
| Score validity | PSI score reports are valid for one year |
| Temporary authority | 60 days from the exam date, under a licensed producer's supervision (PSI) |
| License fee and term | $150 for a two-year major-line license (DOBI) |
| Continuing education | 24 credits per term, 3 in ethics; up to 12 may carry over once, but ethics credits cannot (N.J.A.C. 11:17-3.6) |
| Delivery | PSI test center or remote proctoring |
| Licensing authority | New Jersey Department of Banking and Insurance |
Verified against the New Jersey DOBI producer licensing and FAQ pages, N.J.A.C. 11:17-3.4 and 11:17-3.6, DOBI's life form checklist and the PSI candidate information bulletin. Fees and requirements change; confirm current figures with the Department and PSI before you apply.
Our free New Jersey Life & Health practice exam covers general and New Jersey content. You can also try the national life and health practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — New Jersey Life & Health Insurance Exam
Who administers the New Jersey insurance producer exams?
PSI Services LLC administers the exams for the New Jersey Department of Banking and Insurance. You can test at a PSI test center or by remote proctoring.
Are Life and Health separate exams in New Jersey?
Yes. New Jersey gives one exam for each line of authority, and prelicensing is 20 hours per line (40 hours combined), so you take and pass an exam for each line you want.
What is the passing score for the New Jersey Life and Health exams?
PSI states that you need a minimum of 70% to pass. The candidate bulletin does not publish the number of scored questions or the time limit.
How many hours of prelicensing education does New Jersey require?
20 hours for Life, 20 hours for Health and 40 hours for the two combined, from a Department-approved provider. The Department can waive the course for certain designations or an existing license from another state.
Are fingerprints required for a New Jersey producer license?
Yes. Individual applicants must complete Live Scan fingerprinting before applying online, because the application cannot be processed until the criminal history review is complete.
Can I work right after passing the exam?
PSI says a passing candidate may qualify for temporary work authority issued at the test center. It lasts 60 days from the exam date and requires supervision by a licensed producer.
How long is my passing score valid?
PSI score reports are valid for one year.
What are the continuing education requirements?
Resident producers complete 24 credits per licensing term, including 3 in ethics. Up to 12 credits above the requirement may carry over once, but ethics credits cannot be carried over (N.J.A.C. 11:17-3.6).
Practice Exam Questions — New Jersey Life & Health
5 state-specific questions based on official sources. Correct answer highlighted in green.
Who administers the New Jersey insurance producer exams?
- Pearson VUE
- Prometric
- PSI Services LLC
- The Department of Banking and Insurance itself
How many hours of prelicensing education does New Jersey require for the Life line?
- 10 hours
- 20 hours
- 40 hours
- None for residents
How many continuing education credits must a New Jersey resident producer complete each term?
- 12 credits, 1 in ethics
- 24 credits, 3 in ethics
- 30 credits, 3 in ethics
- 15 credits, 2 in ethics
When must an individual applicant complete Live Scan fingerprinting?
- Before applying online
- On the day of the exam
- Within 30 days after licensing
- Fingerprints are not required
How long does temporary work authority last after you pass a New Jersey Life or Health exam?
- 30 days
- 60 days
- 90 days
- One year