Start Your New Jersey Life and Health Insurance Career in the Garden State
If you want to sell life insurance, health insurance, disability income coverage, accident and sickness insurance, medical expense coverage, annuities, or related insurance products in New Jersey, you will generally need a New Jersey life and health insurance license.
New Jersey is a prelicensing education state, which means most resident producer candidates must complete state-approved prelicensing education before taking the licensing exam. For Life and Health, New Jersey requires 20 hours of Life prelicensing education and 20 hours of Health prelicensing education, for a combined 40-hour L&H path. The New Jersey Department of Banking and Insurance lists the major-line prelicensing requirements in its producer licensing FAQ.
For the required New Jersey prelicensing course, we recommend Achievable.me. TESTivity does not currently offer the state-required New Jersey prelicensing education course.
But completing a required course and being ready to pass the PSI licensing exam are not the same thing.
That is where TESTivity comes in.
TESTivity’s New Jersey L&H study tools are built to help you prepare for the actual New Jersey insurance licensing exam administered by PSI. Our exam simulator, practice questions, study manual, flashcards, audio course, video course, mind maps, learning games, cheat sheet, and AI tutor are designed around the New Jersey/PSI exam experience, not generic licensing material wearing a borrowed New Jersey jacket.
Achievable helps you satisfy the course requirement. TESTivity helps you train to pass.
New Jersey Life and Health License Quick Facts
| Licensing Item | New Jersey L&H Requirement |
|---|---|
| License type | Life and Health insurance producer |
| State regulator | New Jersey Department of Banking and Insurance |
| Testing vendor | PSI Services LLC |
| Prelicensing required? | Yes, unless waived |
| Life prelicensing | 20 hours |
| Health prelicensing | 20 hours |
| Combined Life and Health prelicensing | 40 hours |
| Exam format | Multiple choice |
| Passing score | 70% |
| Exam delivery | PSI test center or online proctored, where available |
| Exam fee | $47 per examination |
| Fingerprinting | Required for resident producer applicants |
| Major-line license fee | $150 for a two-year license |
| New application fee | $20 |
| Paper application fee | Additional $20, if applicable |
| Continuing education | 24 credits every two years, including 3 ethics credits |
NJDOBI lists 20 hours for Life, 20 hours for Health, and 40 hours for combined Life and Health prelicensing education. NJDOBI also lists the examination fee as $47 per examination and the continuing education requirement as 24 credits every two years, including 3 ethics credits. PSI states that New Jersey insurance candidates need a minimum score of 70% to pass the exam.
What Is a New Jersey Life and Health Insurance License?
A New Jersey life and health insurance license allows you to sell, solicit, or negotiate certain life, accident, sickness, and health-related insurance products.
Life Insurance Usually Covers Financial Protection After Death
Life insurance focuses on protection for beneficiaries and long-term financial planning. Depending on your authority and product training, this may include:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Variable life products, if properly licensed and registered
- Final expense coverage
- Group life insurance
- Policy riders
- Beneficiary planning
- Annuities, where applicable and properly trained
Health Insurance Usually Covers Medical, Accident, and Sickness Risks
Health insurance focuses on coverage related to medical costs, accident and sickness, disability, and related health risks. Depending on your authority and appointments, this may include:
- Individual health insurance
- Group health insurance
- Accident and sickness insurance
- Disability income insurance
- Medical expense policies
- Supplemental health products
- Long-term care-related products, where applicable
- Medicare-related products, where properly licensed and certified
Many candidates pursue Life and Health together because agencies, brokerages, and employers often prefer producers who can talk through both protection planning and health-related coverage needs.
How to Get a New Jersey Life and Health Insurance License
Step 1: Decide Whether You Need Life, Health, or Both
Before buying a course or scheduling an exam, decide which authority matches your career goal.
A New Jersey life and health insurance license path is usually the right fit if you want to sell or service:
- Life insurance
- Health insurance
- Disability income insurance
- Accident and sickness coverage
- Group benefits
- Supplemental health products
- Medical expense coverage
- Annuities, where applicable
- Medicare-related products, where applicable
If your goal is to sell auto, homeowners, renters, commercial property, liability, workers’ compensation, or business insurance, review our dedicated page:
How to Get a Property and Casualty Insurance License in New Jersey
For a broader overview of all New Jersey license types, visit:
Insurance Licensing in New Jersey: Complete Guide to License Types and Requirements
Step 2: Complete New Jersey-Approved L&H Prelicensing Education
New Jersey requires approved prelicensing education for most resident producer applicants seeking major lines of authority. For Life and Health, that means:
| Line of Authority | Required Hours |
|---|---|
| Life | 20 hours |
| Health | 20 hours |
| Life and Health combined | 40 hours |
NJDOBI lists 20 hours for Life, 20 hours for Health, and 40 hours for combined Life and Health prelicensing education.
For the required New Jersey L&H prelicensing course, we recommend Achievable.me.
TESTivity is not the required New Jersey prelicensing course and should not be presented as a substitute for state-approved education. Instead, TESTivity is the exam-prep layer that helps you turn course completion into exam readiness.
Think of the required prelicensing course as the key that unlocks your ability to test.
TESTivity is the training room where you build the reflexes, recall, and confidence to handle the PSI exam once that door opens.
Why Exam Prep Matters in New Jersey
New Jerseygives candidates flexibility by not requiring where they get their mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The New Jersey insurance exam is a content-heavy multiple-choice exam. You are not just memorizing definitions. You need to recognize policy language, understand how coverages work, identify exclusions and conditions, and apply insurance law to exam-style scenarios.
That is why TESTivity uses a multi-tool study system instead of relying on one flat textbook.
The TESTivity Platinum Study Package includes:
Step 3: Schedule Your New Jersey L&H Exam Through PSI
New Jersey insurance licensing exams are administered by PSI Services LLC. NJDOBI identifies PSI as the testing vendor for insurance licensing examinations and continuing education credit tracking.
After you complete your required prelicensing education, you can schedule the appropriate New Jersey insurance licensing exam through PSI. PSI’s New Jersey exam page explains that the NJDOBI exam is required for people pursuing life, health, property, and casualty licensure in New Jersey.
The New Jersey L&H exam is computer-based and multiple choice. PSI states that candidates need a minimum passing score of 70%.
Depending on availability and PSI rules, you may be able to test:
- At a PSI test center
- Through online proctoring, where available
Why PSI-Specific Practice Matters
New Jersey uses PSI, not Pearson VUE or Prometric. That matters more than many candidates realize.
Over 20+ years of working with licensing candidates, TESTivity has learned that recurring question patterns, answer-choice structure, screen experience, and general exam feel can vary from one testing vendor to another. PSI questions do not always feel like Pearson VUE questions, and Prometric has its own exam-day rhythm too.
The worst thing you can do is study from material that is technically about insurance but not representative of what you will actually see on screen on exam day.
TESTivity’s New Jersey L&H exam simulator is built to help you practice with the New Jersey/PSI exam experience in mind.
Step 4: Complete Fingerprinting and Background Check
New Jersey resident producer applicants must complete electronic fingerprinting as part of the licensing process. NJDOBI states that resident applicants must complete a criminal history background investigation and that this is handled through Live Scan electronic fingerprinting.
NJDOBI also explains that applications requiring fingerprints cannot be processed until the Department receives the criminal history review results.
In other words, fingerprinting is not optional. It is one of those licensing gears that must turn before the machine moves forward.
A smart order is:
- Complete your prelicensing education
- Schedule and pass the PSI exam
- Complete fingerprinting
- Apply online for the license
If NJDOBI gives different instructions for your specific situation, follow the Department’s instructions.
Step 5: Apply for Your New Jersey Life and Health Insurance License
After you complete the required prelicensing education, pass the PSI exam, and complete fingerprinting, you can apply for your New Jersey producer license.
New Jersey offers online application through the National Insurance Producer Registry, commonly known as NIPR. NJDOBI’s licensing page directs applicants to the online application process and notes that PSI exam results are forwarded automatically to the Department’s system.
NJDOBI’s fee schedule lists the major-line license fee as $150 plus a $20 application fee, for a total of $170 for many individual producer applications. Paper processing may add another $20.
Before applying, make sure your licensing puzzle pieces are in place:
- Required New Jersey L&H prelicensing education
- Passing PSI exam result
- Fingerprinting/background check
- Correct line of authority selected
- Application submitted through NIPR or the approved paper process
- Applicable state and processing fees paid
New Jersey L&H Exam Details
The New Jersey L&H exam is designed to test whether you understand both national insurance concepts and New Jersey-specific insurance rules.
Topics You Should Expect to Study
A New Jersey Life and Health candidate should be ready for topics such as:
Life Insurance Concepts
- Types of life insurance policies
- Term life
- Whole life
- Universal life
- Policy provisions
- Beneficiaries
- Premiums and cash values
- Nonforfeiture options
- Settlement options
- Policy riders
- Underwriting
- Replacements
- Annuities
- Federal tax considerations
Health Insurance Concepts
- Accident and health basics
- Medical expense insurance
- Disability income insurance
- Policy provisions
- Renewability provisions
- Group health insurance
- Individual health insurance
- Medicare-related concepts
- Long-term care concepts, where applicable
- Coordination of benefits
- Exclusions and limitations
New Jersey Laws and Regulations
- Producer licensing rules
- Producer responsibilities
- Unfair trade practices
- Marketing and advertising rules
- Replacement requirements
- Claims-related rules
- Policy delivery and disclosure rules
- State-specific life and health insurance regulations
This is why generic L&H study material can be risky. You need national life and health knowledge, but you also need New Jersey-specific law and PSI-style practice.
The exam is not asking whether the material feels familiar. It is asking whether you can choose the best answer under pressure.
New Jersey Life and Health License Fees
Here are the main costs to expect when pursuing a New Jersey life and health insurance license.
| Fee Type | Amount |
|---|---|
| Life exam fee | $47 per examination |
| Health exam fee | $47 per examination |
| Major-line license fee | $150 for a two-year license |
| New application fee | $20 |
| Typical major-line application total | $170 |
| Paper application or renewal processing fee | Additional $20, if applicable |
| Major-line late renewal fee | $100 |
NJDOBI currently lists the exam fee as $47 per examination and the major-line license fee plus application fee as $170 for many individual producer applications.
Fees can change, so always verify current pricing with NJDOBI, PSI, NIPR, and the fingerprinting vendor before paying.
Fingerprinting and Background Check for New Jersey L&H Applicants
New Jersey resident producer applicants must complete fingerprinting as part of the background check process. NJDOBI states that resident applicants are subject to a criminal history background investigation through Live Scan electronic fingerprinting.
Fingerprinting is not the “tiny footnote” part of licensing. It is a required step that can delay your application if ignored.
Fingerprinting Tips
- Use the state-approved Live Scan process.
- Schedule fingerprinting early enough to avoid application delays.
- Keep your confirmation or receipt.
- Make sure your identifying information matches your licensing application.
- Follow NJDOBI’s instructions exactly.
If there is a name mismatch, missing record, or processing delay, your application can stall even if you passed the exam.
New Jersey L&H License Application Process
Once you have passed the required exam and completed fingerprinting, you can apply for your New Jersey insurance producer license.
Basic Application Checklist
Before submitting your application, confirm that you have:
- Completed the approved New Jersey prelicensing course
- Passed the appropriate PSI exam
- Completed electronic fingerprinting
- Selected the correct line or lines of authority
- Paid required application and license fees
- Submitted the application through NIPR or the approved paper process
NJDOBI’s licensing page explains that insurance producer applications are available online and that online processing is typically more efficient than paper processing.
If you are applying through a business entity, agency, trade name, or assumed name, review NJDOBI’s business entity and trade-name rules before filing.
New Jersey L&H License Renewal and Continuing Education
A New Jersey life and health insurance license is renewed on a two-year cycle.
Resident individual producers must complete 24 continuing education credits, including at least 3 ethics credits, each renewal period. NJDOBI states that PSI tracks CE credit balances for the Department.
New Jersey L&H CE Quick Facts
| Renewal Item | Requirement |
|---|---|
| Renewal cycle | Two years |
| CE required | 24 credits |
| Ethics required | 3 credits |
| CE tracking vendor | PSI |
| Major-line renewal fee | $150 |
| Late renewal fee | $100 for major lines |
If you sell products that require additional product-specific training, such as certain annuity, long-term care, Medicare-related, or other specialized products, verify current training requirements with NJDOBI, carriers, and any applicable federal or state program rules before selling those products.
New Jersey L&H Licensing Quirks
New Jersey’s L&H path is manageable, but it is not something to freestyle with a half-finished course and a lucky pencil.
New Jersey Requires Prelicensing Education
New Jersey generally requires resident Life and Health candidates to complete approved prelicensing education before testing unless they qualify for a waiver. NJDOBI lists 20 hours for Life, 20 hours for Health, and 40 hours for combined Life and Health.
The Required Course Is Not the Same as Exam Readiness
This is the big exam-day trapdoor.
Completing a New Jersey-approved L&H course helps satisfy the state’s education requirement. It does not automatically mean you are ready to pass the PSI exam.
That is why the best study plan has two layers:
- Achievable.me for the required New Jersey prelicensing course
- TESTivity for New Jersey/PSI-specific exam preparation
Skipping the second layer can leave you with a dangerous kind of confidence: familiar enough to recognize topics, but not practiced enough to answer exam questions correctly.
New Jersey Uses PSI
Because New Jersey uses PSI, your practice should feel like PSI. The wording, answer choices, topic flow, and on-screen testing experience matter.
TESTivity’s New Jersey L&H Exam Simulator is designed to help candidates practice for the New Jersey/PSI exam, not a generic insurance quiz from nowhere-land.
Life and Health Covers a Lot of Vocabulary
Life and Health candidates face a wide mix of concepts: policy types, riders, provisions, annuities, underwriting, health policy provisions, group coverage, disability income, medical expense coverage, and New Jersey regulations.
That is a lot of terminology and a lot of tiny distinctions. TESTivity uses multiple learning tools because one huge wall of text is rarely enough.
New Jersey Law Matters
Candidates sometimes focus on national life and health concepts and leave state law for the final lap. That is a mistake. New Jersey-specific rules, producer duties, unfair trade practices, replacement requirements, and regulatory details can make the difference between “almost passed” and “passed.”
Prepare for the New Jersey L&H Exam with TESTivity
New Jersey requires approved prelicensing education. TESTivity does not replace that requirement.
For the required New Jersey L&H prelicensing course, we recommend Achievable.me.
But once you are working through that course, or once you have completed it, you need a serious exam-prep system.
That is where TESTivity shines.
TESTivity’s New Jersey L&H study tools are built from the ground up with New Jersey in mind. They are not the same old generic material being recycled for every state with a different cover page pasted on top. The New Jersey/PSI exam has its own rhythm, and your study system should respect that.
TESTivity New Jersey L&H Study Tools Include:
- New Jersey L&H Study Manual
A structured study guide built to reinforce the concepts you need for the New Jersey Life and Health exam. - PSI-Style Exam Simulator
Practice with questions designed to feel like the kind of New Jersey/PSI questions you may see on exam day. - Insurance Exam Flashcards
Build fast recall for definitions, policy provisions, riders, health terms, annuity concepts, and state-law details. - Audio Course
Reinforce the material while driving, walking, working out, or squeezing study time into your day. - Video Course
Use visual explanations to untangle dense L&H topics like policy provisions, riders, annuities, replacement, disability income, and health policy structure. - Mind Maps
See how major Life and Health concepts connect so you do not study every topic as a lonely little island. - Learning Games
Strengthen memory with crosswords, matching, and review activities that make repetition less painful. - Test Day Cheat Sheet
Review high-value concepts before exam day without drowning in a giant pile of notes. - AI Insurance Exam Tutor
Get help reviewing weak topics, confusing answer choices, and concepts that need another explanation. - Pass Readiness Score and Weak Area Review
Track your progress and focus your study time where it matters most.
The goal is not just to passively read insurance material.
The goal is to train your brain to recognize New Jersey L&H concepts, handle PSI-style wording, avoid distractors, and walk into the exam with confidence.
Frequently Asked Questions About the New Jersey Life and Health Insurance License
About This New Jersey L&H Insurance License Guide
This guide was created by the TESTivity team to help New Jersey life and health insurance candidates understand the licensing process, avoid common mistakes, and prepare for the PSI licensing exam with a smarter study strategy.
TESTivity has spent more than 20 years building licensing exam-prep tools. Our approach is based on a simple idea: people learn best when they study in more than one way. That is why TESTivity combines written study material, exam simulation, flashcards, audio, video, mind maps, learning games, AI tutoring, cheat sheets, and readiness scoring into one exam-prep system.
Licensing rules, fees, vendors, and application requirements can change. Always verify current requirements with the New Jersey Department of Banking and Insurance, PSI, NIPR, and the fingerprinting vendor before applying.
About the author
Matt Williams
Matt Williams has been teaching insurance pre-licensing curriculum for over 20 years and has helped thousands of people pass their exams on their first attempt. Matt holds Life & Health, Property & Casualty, and Adjuster insurance licenses along with the Series 7, 8, 24, 63, and 65 FINRA/NASAA designations, and the CLU, ChFC, and CFP® professional credentials. He is a certified trainer in adult education and the founder of TESTivity.
The TESTivity Platinum Study Package is built around exactly this map: video lessons weighted to the actual exam outline, mind maps that show how coverage types relate to each other, a full-length exam simulator that mirrors the New Jersey PSI format, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to Get Your New Jersey L&H Insurance License?
Getting licensed starts with the process. Passing the exam starts with preparation.
TESTivity helps perspective New Jersey insurance producers study with a complete system built for how people actually learn: reading, watching, listening, practicing, reviewing, and recalling.
Whether you are preparing for Property and Casualty, Life and Health, or another New Jersey insurance exam, TESTivity gives you the tools to study with structure instead of guesswork.
📋 Official New Jersey L&H Insurance Licensing Resources
To ensure absolute accuracy when registering for your exam and filing your application, we recommend utilizing these official state materials alongside your TESTivity Platinum Study Package.
Instant PDF Downloads
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New Jersey L&H Insurance Exam Licensing Candidate Information Bulletin (PDF)
Direct mirror hosted by GetTheLicense.org -
New Jersey Life Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting -
New Jersey Health Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting
Official Portals & Live Verification
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New Jersey Dept. of Banking and Insurance (DOBI)
For resident agent regulations and fee schedules -
PSI New Jersey L&H Insurance Licensing Exam Page
To schedule your exam, find test centers, or check live updates