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Insurance Agent
Training: 20 hours | Exam: Yes
Some details on this page are not yet confirmed against an official source. See sources below or contact the licensing board to verify.
Not required
P&C Education
Not required
L&H Education
2 years (biennial)
Renewal Cycle
$382.05
Gov. Fees (Both)
Insurance Producer
New Jersey issues producer licenses with separate lines of authority. Each line (Life, Accident & Health, Property, Casualty, Personal Lines) requires its own 20-hour pre-licensing course and separate exam. Producers may hold multiple lines of authority on a single license.
Other Available Lines of Authority
No pre-licensing education required
Not required.
New Jersey Property and Casualty Producer Exams (separate Property and Casualty exams)
Administered by PSI Services LLC
170
Questions
70%
Passing Score
3.5 hours per exam
Time Limit
$38 per exam ($76 total for both Property and Casualty)
Exam Fee
Property exam: 79 questions, 3.5 hours. Casualty exam: 91 questions, 3.5 hours. Both exams must be passed separately. Passing score is 70% on each. Exams can be taken at PSI testing centers or via remote online proctoring.
No pre-licensing education required
Not required.
New Jersey Life and Accident & Health Producer Exams (separate exams)
Administered by PSI
171
Questions
70%
Passing Score
3.5 hours per exam
Time Limit
$38 per exam ($76 total for both Life and A&H)
Exam Fee
Life exam: 83 questions, 3.5 hours. Accident & Health exam: 88 questions, 3.5 hours. Both exams must be passed separately. Passing score is 70% on each.
Compare top-rated insurance pre-licensing schools in New Jersey.
Minimum Age
18 years old
Education
No formal education requirement beyond pre-licensing courses
Residency
Must apply as resident producer if domiciled in New Jersey. Proof of residency required.
Background Check
State and federal criminal history background check required. Fingerprints must be submitted through IdentoGO (service code 2F16Y3). Every applicant and any officer, director, partner, or owner of a controlling interest must submit fingerprints.
Fingerprinting
Required
Citizenship
Must have SSN or FEIN; US citizen or authorized to work in the US
Not sure if you need a insurance agent license? Check whether your state requires one.
New Jersey Life and Accident & Health Producer Exams (separate exams)
Questions
171 questions
Time Limit
3.5 hours per exam
Passing Score
70%
Administered By
PSI
Cost of failing
Retake fee: $38 per exam ($76 total for both Life and A&H)Invest in preparation to pass the first time.
How long should you study? Most candidates study 2–4 weeks before taking the New Jersey Life and Accident & Health Producer Exams (separate exams).
Study Materials & Exam Prep — Life & Health Insurance License Exam
Prepare for your Life & Health Insurance License Exam with Mometrix study guides, flashcards, online courses, and practice tests.
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Complete Your Pre-Licensing Education in New Jersey
State-approved online courses you can start today.
| Fee | Amount |
|---|---|
Application Fee Initial resident application fee for major line licenses via NIPR. Limited lines licenses are $95. | $80 |
P&C Exam Fee $38 per exam x 2 (Property + Casualty). PSI exam fee. | $76 |
L&H Exam Fee $38 per exam x 2 (Life + Accident & Health). PSI exam fee. | $76 |
Fingerprinting Fee IdentoGO fingerprint-based background check fee for insurance producers | $66.05 |
Total Gov. Fees (Single Line) $170 application + $38 exam (one line) + $66.05 fingerprinting | $274.05 |
Total Gov. Fees (Both Lines) $170 application + $76 P&C exams + $76 L&H exams + $66.05 fingerprinting (note: single application covers all lines) | $382.05 |
Pre-Licensing Course Cost: $200-$500(per line)
Varies by provider. Per line. NOT a government fee.
Use our licensing cost calculator to estimate your total investment including education and exam fees.
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Complete 20 hours of approved pre-licensing education for Property
Complete 20 hours of approved pre-licensing education for Casualty
Schedule and pass the Property exam with PSI (79 questions, 70% passing score)
Schedule and pass the Casualty exam with PSI (91 questions, 70% passing score)
Submit fingerprints through IdentoGO (service code 2F16Y3, call 877-503-5981)
Apply for license through NIPR (nipr.com) and pay $170 application fee
Receive license and obtain carrier appointments to begin selling
Complete 20 hours of approved pre-licensing education for Life
Complete 20 hours of approved pre-licensing education for Accident & Health
Schedule and pass the Life exam with PSI (83 questions, 70% passing score)
Schedule and pass the Accident & Health exam with PSI (88 questions, 70% passing score)
Submit fingerprints through IdentoGO (if not already completed)
Apply for license through NIPR (nipr.com) and pay $170 application fee
Receive license and obtain carrier appointments to begin selling
Important: A license alone does not allow you to sell insurance
After obtaining your producer license, you must be appointed by at least one insurance company to sell their products. Appointments are filed electronically through NIPR.
Appointment fee: Paid by carrier (typically $10-$25 per appointment)
Non-resident licensing available through NIPR. Non-resident applicants must hold a valid resident license in their home state.
Additional requirements: Non-resident applicants must maintain their home state resident license in good standing.
Moving to another state? Use our Transfer Tool to see what you need →
Compare New Jersey with other states →
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Renewal Cycle
2 years (biennial)
Renewal Fee
$150
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
24 hours of CE per biennial renewal cycle, with 3 hours in ethics. Of the 24 hours, 12 must be classroom or classroom-equivalent education (instructor and students interact remotely via video-conferencing). One credit hour of ethics may be substituted with one credit hour related to insurance fraud. Producers selling annuity products must complete additional annuity best interest training.
Regulatory Board
Unique to New Jersey: New Jersey is one of the few states that separates Property and Casualty into distinct exams rather than offering a combined P&C exam. Additionally, NJ requires that half of CE hours (12 of 24) be completed in a classroom or live video-conferencing format rather than self-study.
Insurance Agent requirements in nearby states
| State | Timeline | |
|---|---|---|
| New Jersey (you) | 4–10 wks | |
| Connecticut | 4–10 wks | → |
| Delaware | 4–10 wks | → |
| New York | 4–10 wks | → |
| Pennsylvania | 4–10 wks | → |
Other professional licenses in New Jersey
See how New Jersey compares: Insurance Agent License Fees by State — Cheapest to Most Expensive →
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Insurance Agent Schools in New Jersey
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Insurance Agent requirements in New Jersey verified against New Jersey Department of Banking and Insurance, April 2026.
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