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New Jersey PreLicensing Requirements

Individual Resident Producer Requirements

To qualify for a resident New Jersey state insurance producer license, the applicant must satisfy the following requirements:

  • Be 18 years of age or older
  • Be a resident of New Jersey or have principal place of business in New Jersey
  • Be trustworthy, competent, financially responsible, and of good personal and business reputation
  • Complete an approved prelicensing course of study (see prelicense requirements below)
  • Submit fingerprints
  • Pass a written examination and file a license application

PreLicense Education Requirements (PLE)

Applicants must complete prelicense education (PLE) for each major line of authority (LOA).  An applicant who wishes to obtain a Life, Accident & Health license must complete 40 hours of PLE, and will receive a separate certificate of completion for each LOA.

  • 20-hours New Jersey Life Insurance
  • 20-hours New Jersey Accident & Health Insurance
  • 20-hours New Jersey Property Insurance
  • 20-hours New Jersey Casualty Insurance

State Candidate Handbook

Before making an exam reservation Applicants should thoroughly review the State of New Jersey Candidate Information Bulletin which contains the exam content outlines and important information regarding eligibility and the examination and licensing application process.

PLE Course Delivery

Per New Jersey PLE requirements, applicants are required to complete all of the lessons in the prelicense education course sequentially before they can be issued a certificate of completion.

PLE Course Exam

  • Passing Score:  Applicants must pass the PLE final exam with a 70% or higher to receive a certificate of completion.
  • Exam Proctor Requirements:  PreLicense.com final exams must be monitored by a disinterested third party. Proctors must not serve for examinations of family members, relatives, or dependents; employers or supervisors; employees or subordinates; partners, joint ventures, co-owners, or business associates; or for anyone in whom the proctor or instructor has an economic or other interest in assuring the successful outcome of the examination.

Certificate of Completion

PreLicense.com provides online, printable certificates of completion in New Jersey.  An applicant must meet New Jersey’s PLE requirements before a certificate of completion is issued.  Certificates are valid for 2 years from the date of completion.

State Reporting Requirements

Currently, New Jersey Department of  Banking and Insurance does not required PLE course completions to be reported to the state.

State Licensing Exam

Note:  Prelicense.com, a service of WebCE is listed under WebCE with PSI.

Methods of Registration

  • Register Online: Click here to register for the state licensing exam online
  • Register by Phone: (800) 733-9267
  • Register by fax:  Fax completed registration form to (702) 932-2666
  • On-site registration is not allowed

Materials Needed to Present at Exam Site

  • Candidates must present 2 forms of identification.  One must be government  issued which bears your signature and photo.  The second form of identification must have your signature and preprinted legal name.  All identification must match the name that you provided at registration.
  • PLE course completion certificate
  • Failing score report for exam retakes

Testing Sites, Fees & Schedules

  • Testing Sites: Click here to view testing centers in New Jersey or refer to the State of New Jersey Candidate Information Bulletin for a list of testing sites.
  • Exams and Fees:  A list of Insurance License Exams and exam fees can be found in the State of New Jersey Candidate Information Bulletin.  The current fee for exams is $47.00.

State Exam Passing Score

  • Applicants must pass the state licensing exam with a 70% or higher to file a license application.
  • Candidates who must retake the examination must wait 24 hours before rescheduling their exam.

License Application Process

Important:  License applications cannot be processed until NJ DOI receives the results of your criminal background check. Please refer to instructions below regarding making an appointment through MorphoTrak.

New Jersey Criminal Background check instructions

Ways to Apply

Materials Needed to Apply

NAIC Uniform Application and appropriate fee (if applying by paper).  Paper applications should be mailed to:

State of New Jersey-Department of Banking and Insurance
Producer Licensing Unit
PO Box 327
20 West State Street
Trenton, New Jersey 08625-0327

Fingerprinting Process

New Jersey Department of Banking and Insurance requires that candidates submit fingerprints through MorphoTrak.  New Jersey Department of Banking and Insurance will not process a license application until they receive the results of the criminal history review.  Click here for instructions, forms and fees.

New Resident Producer Requirements

New residents who move to New Jersey from another state who wish to obtain a New Jersey resident license must meet the following requirements in order to be exempt from prelicense education and examination requirements:

  • Licensed for same lines of authority in previous home state
  • The candidate must be licensed in good standing in previous home state or if the application is received within 90 days of cancellation of previous home state license

Application Process

Ways to Apply

Materials Needed to Apply

NAIC Uniform Application and appropriate fee (if applying by paper).  Paper applications should be mailed to:

State of New Jersey-Department of Banking and Insurance
Producer Licensing Unit
PO Box 327
20 West State Street
Trenton, New Jersey 08625-0327

Nonresident Producer Requirements

Nonresident license candidates may obtain a New Jersey producer license, without having to complete the prelicense education requirement as long as they are currently licensed as a resident and in good standing in their home state and hold an equivalent license for same line of authority.

Application Process

Ways to Apply

Materials Needed to Apply

NAIC Uniform Application and appropriate fee (if applying by paper).  Paper applications should be mailed to:

State of New Jersey
Department of Banking and Insurance
Producer Licensing Unit
PO Box 327
20 West State Street
Trenton, New Jersey 08625-0327

Fingerprinting Process

          There are no fingerprint requirements for nonresidents in New Jersey.

State-Required Product Training

Your state has special training requirements in order for licensed agents to sell the following products:

Long-Term Care:  Before selling, soliciting, or negotiating LTC insurance products in New Jersey, producers must complete an initial 8-hour, NAIC LTC training course.

Purchasing state-required Product Training with your exam prep course from the PreLicense.com catalog will allow you to take one of the special training requirement courses from WebCE. Additional fees for state filing, books or shipping may apply at the time you register to begin taking the product training course.

Click here for more information regarding state-specific product training.

Contact Information

State of New Jersey
Department of Banking and Insurance
Producer Licensing Unit
PO Box 327
20 West State Street
Trenton, New Jersey 08625-0327
Phone: 609-292-7272
Fax: 609-984-5263
Email: inslic@dobi.state.nj.us
Website:  http://www.state.nj.us/dobi/index.html

PSI
Phone:  (800) 733-9267
Web Site  http://candidate.psiexams.com/


The licensing information presented here is a brief summary only and is not intended to be comprehensive or complete. We urge you to check with your state's insurance department for complete and current information about its licensing rules and requirements.

 

PreLicense.com Enhanced Course Features

Engaging course features in every PreLicense.com course enhance the study experience by reinforcing key points that are essential for passing the license exam:

  • Need a little more information about a topic? Your virtual course guides Celia and Webster offer additional insight into especially important concepts and key points for a more thorough understanding of difficult topics.
  • Wish you could easily capture important information from the course into your own personal study guide? A special Notes feature provides an easy way to do this by letting you create your own study notes for later use. You can review your notes at any time, from any place in the course. The Notes feature will prove an invaluable tool to help you pass your state licensing exam.
  • Want to look up a key word or term? It’s easy with the comprehensive Glossary that is just a click away. Or, simply hover your cursor over a highlighted term in the course and a definition pops up on the screen.
  • Nothing prepares you for an exam better than test questions – lots of them.
    • Pop quiz questions appear randomly to test your comprehension of key topics. Immediate feedback let’s you know how you did, and explains the correct answer.
    • End-of-chapter Test Your Comprehension quizzes let you evaluate your grasp of important subject matter before moving on to another topic. Immediate scoring helps you pinpoint subjects or topics that may require additional study.
    • Final mastery exams provide an overall assessment of your preparation for the license exam by testing your knowledge of each major section of the course.
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