Get Your New Jersey Insurance License in the Garden State
If you want to sell insurance in New Jersey, you need to follow the licensing process set by the New Jersey Department of Banking and Insurance, often called NJDOBI. Whether your goal is to sell life insurance, health insurance, auto insurance, homeowners insurance, business insurance, or another major line of coverage, the process generally includes prelicensing education, a PSI licensing exam, fingerprinting, and a license application.
New Jersey is a prelicensing education state, which means you must complete a state-approved prelicensing course before taking most major-line insurance licensing exams. NJDOBI lists the producer licensing process as: prelicensing education, testing, fingerprinting, and then online or paper application.
That is where your study path matters.
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 the required course is not the same thing as being fully prepared for the exam.
That is where TESTivity comes in.
TESTivity’s New Jersey study tools and study packages are built to help you prepare for the actual New Jersey insurance licensing exam administered by PSI. Our tools are designed around the way licensing exams are written, the way PSI questions feel on screen, and the specific New Jersey insurance laws and concepts that candidates need to understand before exam day.
In other words: Achievable helps you meet the course requirement. TESTivity helps you train to pass.
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New Jersey Insurance License Quick Facts
| Licensing Item | New Jersey Requirement |
|---|---|
| State regulator | New Jersey Department of Banking and Insurance |
| Testing vendor | PSI Services LLC |
| Prelicensing education required? | Yes, for most major lines |
| Life prelicensing | 20 hours |
| Health prelicensing | 20 hours |
| Life and Health combined | 40 hours |
| Property prelicensing | 20 hours |
| Casualty prelicensing | 20 hours |
| Property and Casualty combined | 40 hours |
| Personal Lines prelicensing | 20 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 or renewal processing fee | Additional $20 |
| Continuing education | 24 credits every two years, including 3 ethics credits |
NJDOBI lists the mandatory prelicensing hours for major lines, including 20 hours for Life, Health, Property, Casualty, Personal Lines, and 40 hours for combined Life and Health or combined Property and Casualty. NJDOBI also lists the exam fee as $47 per examination. PSI states that the New Jersey insurance licensing exam is multiple choice, typically lasts 2 to 3 hours, and requires a minimum score of 70% to pass.
Who Needs a New Jersey Insurance License?
You generally need a New Jersey insurance producer license if you want to sell, solicit, or negotiate insurance in New Jersey. The exact license you need depends on the type of insurance products you plan to sell.
Common New Jersey insurance license types include:
- Life Insurance
- Health Insurance
- Property Insurance
- Casualty Insurance
- Personal Lines
- Title
- Surplus Lines
- Limited Lines
Most new insurance professionals start with either:
- Life and Health, if they plan to sell life insurance, health insurance, Medicare-related products, disability income, or annuities
- Property and Casualty, if they plan to sell auto, homeowners, renters, liability, commercial property, commercial casualty, or business insurance
If you are not sure which license path fits your career goal, start with this broad New Jersey insurance license guide, then review our dedicated pages:
- How to Get a Property and Casualty Insurance License in New Jersey
- How to Get a Life and Health Insurance License in New Jersey
- How to Pass the Insurance Licensing Exam in New Jersey
Each page focuses on a different part of the licensing maze, so you do not end up wandering through the regulatory shrubbery with a flashlight and half a granola bar. 🧭
How to Get a New Jersey Insurance License
Step 1: Choose the Right New Jersey Insurance License Type
Before you buy a course or schedule an exam, decide which line of authority you need.
Life Insurance License
A New Jersey life insurance license allows you to sell products such as life insurance policies, term life, whole life, universal life, and other life-related products.
Health Insurance License
A New Jersey health insurance license allows you to sell products such as accident and health insurance, sickness insurance, medical expense coverage, disability income, and related health products.
Life and Health License
Many candidates pursue Life and Health together because employers and agencies often want producers who can discuss both protection and health-related coverage. In New Jersey, Life requires 20 hours of prelicensing education, Health requires 20 hours, and the combined Life and Health path requires 40 hours.
Property Insurance License
A New Jersey property insurance license focuses on insurance covering property, such as homes, buildings, personal property, and business property.
Casualty Insurance License
A New Jersey casualty insurance license focuses on liability, injuries, accidents, negligence, auto liability, commercial liability, and related casualty risks.
Property and Casualty License
Many candidates pursue Property and Casualty together because P&C agencies often need producers who can work with both property coverage and liability coverage. In New Jersey, Property requires 20 hours of prelicensing education, Casualty requires 20 hours, and the combined Property and Casualty path requires 40 hours.
Step 2: Complete New Jersey Prelicensing Education
New Jersey requires prelicensing education for most resident producer applicants seeking major lines of authority. NJDOBI states that individuals applying for a resident producer license for Life, Health, Property, Casualty, Personal Lines, Title, or Limited Line Bail Bonds must complete a prelicensing education course from an approved insurance education provider unless they qualify for a waiver.
Here are the main prelicensing hour requirements:
| Line of Authority | Required Prelicensing Hours |
|---|---|
| Life | 20 hours |
| Health | 20 hours |
| Life and Health | 40 hours |
| Property | 20 hours |
| Casualty | 20 hours |
| Property and Casualty | 40 hours |
| Personal Lines | 20 hours |
| Title | 20 hours |
| Bail Bonds | 10 hours |
| Surplus Lines | None |
For the state-required New Jersey prelicensing course, we recommend Achievable.me.
TESTivity does not replace the required prelicensing education course in New Jersey. Instead, TESTivity is designed to help you prepare for the New Jersey licensing exam after, during, or alongside your required prelicensing course.
That difference matters.
A required prelicensing course helps you become eligible to test. TESTivity helps you build the exam skills, repetition, recall, and confidence you need to walk into the PSI exam with a real study system behind you.
Why Exam Prep Matters in New Jersey
New Jersey gives 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 and Pass the New Jersey Insurance Licensing Exam
After completing your required prelicensing education, you will schedule your licensing exam through PSI Services LLC.
NJDOBI identifies PSI Services LLC as the vendor responsible for administering New Jersey insurance licensing examinations and tracking continuing education credits. PSI’s New Jersey exam page states that the NJDOBI exam is required for individuals pursuing life, health, property, and casualty licensure in New Jersey. PSI also states that the exams evaluate insurance products, state regulations, ethical standards, and policyholder protections.
The exam is multiple choice, and you need a minimum score of 70% to pass. PSI states that your score is displayed on screen at the end of the exam and that score reports are emailed to candidates.
You may be able to take your exam either:
- At a PSI test center
- Through online proctoring, if available for your exam
Do not treat the PSI exam like a vocabulary quiz. New Jersey insurance exams test definitions, but they also test application, state rules, policy language, producer responsibilities, and the ability to choose the best answer from several tempting distractors.
That is exactly why TESTivity’s New Jersey-specific exam simulator matters. The worst thing you can do is study with generic material that does not resemble what you will actually see on exam day.
Step 4: Complete Fingerprinting and Background Check
New Jersey resident applicants must complete electronic fingerprinting through the state’s Live Scan process. NJDOBI states that individual applicants, and certain owners or officers of resident business entities, must schedule and have fingerprint impressions taken through Live Scan. Applications requiring fingerprints cannot be processed until the criminal history review results are received, so NJDOBI instructs applicants to complete fingerprinting before applying online.
Do not save fingerprinting for the last second. It is one of those “small” steps that can quietly jam the gears if you forget it.
Step 5: Apply for Your New Jersey Insurance Producer License
After completing the required prelicensing education, passing the licensing exam, and completing fingerprinting, you can apply for your New Jersey insurance producer license.
New Jersey offers online resident producer license applications through the National Insurance Producer Registry, also called NIPR. NJDOBI says using the online application results in more timely and efficient processing.
NJDOBI also notes that PSI automatically forwards New Jersey producer exam results to the Department’s system.
Before applying, make sure you have completed the correct steps for your line of authority:
- Required prelicensing education or approved waiver
- Passing PSI exam result
- Electronic fingerprinting
- Any required trade name or business-name approval, if applicable
- Online application through NIPR or paper application
New Jersey Insurance Exam Details
The New Jersey insurance licensing exam is administered by PSI. The exam is multiple choice and typically lasts 2 to 3 hours, depending on the exam. PSI states that New Jersey insurance exams test insurance products, state regulations, ethical standards, and policyholder protections.
New Jersey Insurance Exam Quick Facts
| Exam Detail | New Jersey Information |
|---|---|
| Testing vendor | PSI Services LLC |
| Exam format | Multiple choice |
| Passing score | 70% |
| Delivery options | Test center or online proctored, where available |
| Score report | Displayed after exam and emailed |
| Exam fee | $47 per examination |
| Prelicensing required before exam? | Yes, for most major resident license types |
The exam you take depends on the line of authority you want. A candidate pursuing Property and Casualty will have a different exam path than a candidate pursuing Life and Health.
For detailed exam preparation, visit:
How to Pass the Insurance Licensing Exam in New Jersey
That page focuses specifically on New Jersey exam content, PSI-style test strategy, TESTivity’s New Jersey exam simulator, and how to build a study plan after completing the required prelicensing course.
New Jersey Insurance License Fees
Here are the major fees listed by NJDOBI:
| Fee Type | Amount |
|---|---|
| Major line license | $150 for a two-year license |
| Limited lines license | $75 for a two-year license |
| New application fee | $20 |
| Paper application or renewal processing fee | Additional $20 |
| Exam fee | $47 per examination |
| Major-line late renewal fee | $100 |
| Limited-line late renewal fee | $50 |
NJDOBI lists the major-line license fee as $150 for a two-year license, the new application fee as $20, and an additional $20 processing fee for paper applications and renewals.
Fees can change, so always confirm current fees with NJDOBI, PSI, or NIPR before submitting payment.
Fingerprinting and Background Check in New Jersey
Fingerprinting is required for resident producer applicants. New Jersey uses an electronic fingerprinting process rather than old-style ink fingerprint cards.
NJDOBI explains that electronic fingerprinting is part of the criminal history record check process and that applications requiring fingerprints cannot be processed until the Department receives the criminal history results.
In plain English: if you pass the exam but skip fingerprinting, your application can stall.
Complete fingerprinting before submitting the online application unless NJDOBI instructs otherwise for your specific situation.
New Jersey Insurance License Application Process
The New Jersey insurance license application process is handled primarily online through NIPR.
For most resident applicants, the sequence looks like this:
- Complete required prelicensing education through an approved provider
- Pass the PSI exam for the correct line of authority
- Complete electronic fingerprinting
- Submit your license application online through NIPR
- Wait for approval from the New Jersey Department of Banking and Insurance
- Print or access your license once approved
NJDOBI states that New Jersey offers online applications for new resident producers and that online filing is more timely and efficient than paper filing.
If you are applying using a trade name or doing business as a separate business entity, review New Jersey’s business-name and agency licensing requirements before you apply.
New Jersey Insurance License Renewal and Continuing Education
New Jersey producer licenses are renewed on a two-year cycle.
Resident individual licensees must complete 24 continuing education credits, including at least 3 credits in an approved ethics course. NJDOBI states that PSI tracks CE credit balances for the Department.
NJDOBI also states that producers authorized to sell flood insurance have a one-time requirement to complete 3 credits on flood insurance and the National Flood Insurance Program. Those flood credits are part of the 24-credit total.
New Jersey CE Quick Facts
| Renewal Item | Requirement |
|---|---|
| Renewal cycle | Two years |
| CE required | 24 credits |
| Ethics requirement | 3 credits |
| Flood insurance training | One-time 3-credit NFIP/flood requirement if selling flood insurance |
| Major-line renewal fee | $150 |
| Paper renewal processing fee | Additional $20 |
| CE tracking vendor | PSI |
New Jersey no longer mails renewal applications to producers. NJDOBI says producers receive renewal notices before renewal, and online renewal is available for eligible resident and nonresident producers.
New Jersey-Specific Licensing Quirks
Every state has its own licensing personality. New Jersey’s is very much “organized, procedural, and not amused by shortcuts.”
Here are the details candidates should know.
New Jersey Requires Approved Prelicensing Education
Unlike some states that do not require prelicensing education, New Jersey requires approved prelicensing education for most resident applicants seeking major lines of authority. That means you cannot simply study on your own, take the exam, and apply, unless you qualify for a waiver.
Use Achievable for the required New Jersey prelicensing course.
Use TESTivity to prepare for the exam.
New Jersey Uses PSI
New Jersey insurance licensing exams are administered by PSI, not Pearson VUE or Prometric. That matters because testing vendors have different question styles, exam interfaces, wording patterns, and “feel.”
TESTivity’s New Jersey exam prep is built with the New Jersey/PSI exam experience in mind. Over 20+ years, TESTivity has learned that exam preparation works best when the practice questions, simulator logic, and study material reflect the exam candidates are actually going to face.
New Jersey Exam Prep Should Not Be Generic
The worst mistake candidates make is studying from material that feels like it was built for “Everywhere, USA.”
New Jersey candidates need to know national insurance concepts, but they also need to understand New Jersey laws, rules, producer responsibilities, and state-specific testable details. If your study material does not prepare you for New Jersey’s version of the insurance exam, it can leave you with a false sense of readiness.
Fingerprinting Comes Before Application Processing
Do not wait until after your application to think about fingerprints. NJDOBI says applications requiring fingerprints cannot be processed until the Department receives the criminal history review results.
Online Application Is Preferred
New Jersey encourages online application and renewal. Paper applications and renewals may carry an additional processing fee.
Ready to Get Your New Jersey Insurance License? Start the TESTivity Platinum Study Package
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Frequently Asked Questions About Getting a New Jersey Insurance License
About This New Jersey Insurance License Guide
This guide was created by the TESTivity team to help New Jersey insurance license candidates understand the licensing process, avoid common mistakes, and prepare for the state licensing exam with a smarter study strategy.
TESTivity has spent more than 20 years building exam-prep tools for licensing candidates. Our approach is based on a simple belief: candidates learn best when they use multiple study modes, including reading, practice questions, audio reinforcement, flashcards, visual tools, games, and exam simulation.
Licensing requirements can change. Always verify final licensing, fee, fingerprinting, exam, and renewal requirements with the New Jersey Department of Banking and Insurance, PSI, and NIPR 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!
Prepare for the New Jersey Insurance Exam with TESTivity
New Jersey requires prelicensing education, and TESTivity does not replace that requirement. For the required course, we recommend Achievable.me.
But once you have started or completed your required prelicensing education, you need more than a certificate. You need exam readiness.
That is what TESTivity is built for.
TESTivity’s New Jersey insurance exam prep tools are designed to help you understand, remember, and apply the material you need for the New Jersey/PSI exam. Instead of relying on one giant textbook or a pile of random practice questions, TESTivity gives you a complete multi-tool study system.
The goal is not just to “read the material.”
The goal is to train your brain to recognize the concepts, handle PSI-style question wording, avoid distractors, and walk into the testing center with a practical plan.
If Achievable is your required prelicensing course, TESTivity is your exam-prep command center.
Put yourself on the fast track to your New Jersey insurance license with the TESTivity Platinum Study Package
93% pass rate · Video, Mind Maps, Audio, Textbook, Learning Games, Flashcards, Cheat Sheet, Exam Simulator & AI Tutor · Pass guarantee included