New Jersey Life & Health Insurance License Practice Exam
NJ offers separate exams: 83 questions for Life and 88 for Accident & Health — each 3.5 hours with a 70% passing score. 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 full simulated 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
83-question timed exam simulating the real PSI Life Producer test. 3 hrs 30 min. 70% to pass.
🌟 Full NJ A&H Exam
88-question timed exam simulating the real PSI Accident & Health Producer test. 3 hrs 30 min. 70% to pass.
About the New Jersey Life & Accident Health Insurance Exams
To get your New Jersey Life & Health insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $53–$79. New Jersey is regulated by the New Jersey Department of Banking and Insurance (NJDOBI) under New Jersey Insurance Laws Title 17. Visit www.state.nj.us/dobi for official licensing information. No-fault auto state with mandatory $250,000 PIP (or lower verbal threshold options); Commissioner appointed; NJ Life and Health Guaranty Association; NJDOBI regulates both banking and insurance; large market with high premiums; Verbal Threshold or Zero Threshold tort option.
Pre-licensing education in New Jersey: 20 hours per line. Continuing education: 24 hours biennial. License renewal fee: biennial. CE must be completed before submitting your New Jersey renewal application. How to get licensed in New Jersey: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for New Jersey producer license.
How to get a New Jersey Life & Health insurance license in 2026: The New Jersey Department of Banking and Insurance (NJDOBI) (www.state.nj.us/dobi) administers all producer licensing in New Jersey. Exam: PSI Services LLC, $53–$79, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your New Jersey Life & Health license by completing 24 hours biennial and paying the biennial renewal. For questions contact the New Jersey Department of Banking and Insurance (NJDOBI).
NJDOBI (state.nj.us/dobi). NJ Insurance Laws Title 17. Commissioner appointed. Mandatory PIP ($250,000 default). 20-hr pre-licensing per line. NJ L&H Guaranty Association. PSI Bridge available. Large and complex market.
Frequently Asked Questions — NJ Life & Health Insurance Exam
How do I get a New Jersey Life & Health insurance license?
To become a licensed Life & Health producer in New Jersey: (1) Complete any required pre-licensing education (20 hours per line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($53–$79, 70%); (4) Apply for your New Jersey producer license. The New Jersey Department of Banking and Insurance (NJDOBI) (www.state.nj.us/dobi) oversees all insurance producer licensing in New Jersey.
What exam does New Jersey use for Life & Health insurance licensing?
New Jersey uses PSI Services LLC to administer the Life & Health insurance licensing exam. Fee: $53–$79. Passing score: 70%. No-fault auto state with mandatory $250,000 PIP (or lower verbal threshold options); Commissioner appointed; NJ Life and Health Guaranty Association; NJDOBI regulates both banking and insurance; large market with high premiums; Verbal Threshold or Zero Threshold tort option.
Does New Jersey require pre-licensing for Life & Health insurance?
20 hours per line. For official pre-licensing provider information, visit www.state.nj.us/dobi.
What are New Jersey's CE requirements for Life & Health producers?
New Jersey requires: 24 hours biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the New Jersey Department of Banking and Insurance (NJDOBI) at www.state.nj.us/dobi for CE provider information.
What makes New Jersey unique for Life & Health insurance licensing?
No-fault auto state with mandatory $250,000 PIP (or lower verbal threshold options); Commissioner appointed; NJ Life and Health Guaranty Association; NJDOBI regulates both banking and insurance; large market with high premiums; Verbal Threshold or Zero Threshold tort option.
Practice Exam Questions — New Jersey Life & Health
5 state-specific questions drawn from the New Jersey exam content outline. Correct answer highlighted in green.
New Jersey insurance is regulated by:
- The New Jersey Department of Insurance (NJDOI)
- The New Jersey Department of Banking and Insurance (NJDOBI) — Commissioner appointed; 20 West State Street, Trenton NJ 08625; state.nj.us/dobi; NJ Insurance Laws Title 17
- The New Jersey Financial Services Authority
- The New Jersey Department of Consumer Affairs
New Jersey L&H exams are administered by:
- Pearson VUE
- Prometric
- PSI Services LLC — PSI Bridge available; exam fee $53-79; 70% to pass; 20-hr pre-licensing per line required
- NJDOBI directly
New Jersey's auto insurance system is:
- Pure at-fault with no PIP
- No-fault state with mandatory PIP of $250,000 as the default — the highest mandatory PIP default in the portfolio; policyholders may choose lower PIP tiers; 15/30/5 BI minimums (very low $5,000 PD)
- Choice no-fault with optional PIP
- Modified no-fault with $10,000 PIP threshold
New Jersey CE requires:
- 24 hours biennial — NJDOBI-approved providers; Commissioner appointed; renewal biennial; NJ Insurance Laws Title 17; Annuity Best Interest required
- 30 hours triennial
- 16 hours biennial
- 12 hours annual with 2 hours NJ law
New Jersey's primary insurance statute is:
- NJ Statutes Title 39 — Motor Vehicles
- NJ Insurance Laws Title 17 — Insurance; NJDOBI administers at state.nj.us/dobi; Commissioner appointed
- NJ Administrative Code Title 11
- NJ Statutes Title 26 — Health