New Jersey
New Jersey Insurance Prelicensing Requirements
How to Obtain a New Jersey Insurance License
Becoming a licensed insurance agent in New Jersey requires completing several essential steps, including prelicensing education, passing the state exam, getting fingerprinted, applying for your license, and fulfilling continuing education requirements. This guide outlines each step in detail to help you navigate the licensing process efficiently.
Step 1: Fulfill Prelicensing Education Requirements
Before taking the New Jersey insurance licensing exam, you must complete a state-approved prelicensing education course. The required study hours vary based on the line of authority you choose:
| Line of Authority | Required Hours |
| Life Insurance | 20 hours |
| Accident and Health Insurance | 20 hours |
| Property Insurance | 20 hours |
| Casualty Insurance | 20 hours |
| Personal Lines | 20 hours |
Key Notes:
- After completing your course, you must pass a Certification Exam monitored by a disinterested third party.
- You will receive a Certificate of Completion, which does not expire. Keep this certificate, as you will need it to take the state exam.
Step 2: Pass the Licensing Exam
Once you complete the prelicensing education, you must pass the New Jersey insurance licensing exam.
Exam Details:
- Administered by PSI.
- Register online at PSI Exams or call (844) 267-1017.
- Exams are computer-based and multiple-choice.
- A 70% or higher score is required to pass.
- Test results are provided immediately after completion.
Exam Length & Question Breakdown:
| Exam Type | Time Limit | Number of Questions |
| Life Producer Exam | 3.5 hours | 83 |
| Accident and Health Exam | 3.5 hours | 88 |
| Property Producer Exam | 3.5 hours | 79 |
| Casualty Producer Exam | 3.5 hours | 91 |
| Personal Lines Exam | 3.5 hours | 112 |
| Public Adjuster Exam | 3.5 hours | 70 |
Exam Policies:
- Arrive 30 minutes early at the testing center.
- Bring a valid government-issued photo ID and your Certificate of Completion.
- No personal items (phones, watches, calculators, etc.) are allowed in the testing room.
- Remote exams are available using PSI’s Bridge platform.
Step 3: Get Fingerprinted
New Jersey requires fingerprint impressions from all unlicensed applicants.
Fingerprinting Details:
- Schedule an appointment online or by calling (877) 503-5981.
- Use the Producer service code 2F16Y3 or Adjuster service code 2F1F7N.
- Completing fingerprinting before the exam can prevent delays in license issuance.
Step 4: Apply for Your Insurance License
After passing the state exam, you must apply for your New Jersey insurance license through NIPR at www.nipr.com.
Application Process:
- Submit your application via NIPR and pay the required fee.
- Applications must be submitted within 12 months of passing the exam.
- Once approved, you will receive a link to print or download your license.
Step 5: Maintain Your License with Continuing Education (CE)
To keep your New Jersey insurance license active, you must complete continuing education (CE) every two years.
CE Requirements:
- 24 hours of CE, including 3 hours of ethics training.
- Nonresident agents must comply with their home state’s CE requirements.
- Additional CE requirements apply for those selling long-term care insurance, annuities, and flood insurance.
For the latest CE updates, visit the New Jersey Department of Banking and Insurance (DOBI) website.
Frequently Asked Questions (FAQs)
Where can I take the New Jersey licensing exam?
Exams can be taken in-person at PSI testing centers or remotely via PSI Bridge.
How do I schedule my licensing exam?
You can schedule your exam through PSI by visiting their website or calling (844) 267-1017. Exam fees must be paid at the time of reservation.
What happens if I fail my exam?
You can reschedule immediately. Review your diagnostic report and use additional study materials to improve your score before retaking the exam.
What entity oversees licensing in New Jersey?
The New Jersey Department of Banking and Insurance (DOBI) manages agent licensing, renewals, and continuing education. For inquiries, call (609) 292-7272.
Contact Information
New Jersey Department of Banking and Insurance (DOBI):
- Phone: (609) 292-7272
- Website: www.state.nj.us/dobi
PSI Testing Services:
- Phone: (844) 267-1017
- Website: www.psiexams.com
Start Your Insurance Prelicensing Training
Take the first step toward your New Jersey insurance career by enrolling in a state-approved prelicensing course today.
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Disclaimer
The information provided here is based on current New Jersey state regulations and may be subject to updates. We strive for accuracy but recommend verifying requirements with the New Jersey Department of Banking and Insurance for the latest licensing details.