New Jersey Insurance License
The New Jersey insurance license exam, in plain numbers.
Everything below is specific to New Jersey — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in New Jersey
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 83 | 59 | 70% | 24 |
| Life only | 83 | 59 | 70% | 24 |
| Health only | 88 | 62 | 70% | 26 |
Administered by PSI Services for the New Jersey Department of Banking and Insurance. Time limit: 3 hours 30 minutes per exam. Roughly 25 of the scored questions (30%) come from New Jersey law — the block national courses cover most lightly.
Prelicensing
20 hours per line of authority, so 40 hours for both Life and Accident & Health. The prelicensing course ends with a Certificate Exam requiring 70 percent. Certificates do not expire.
Continuing education
24 credits every two years including 3 credits of ethics instruction.
License term
2 years, on the last day of the licensee's birth month
Regulator
The New Jersey Department of Banking and Insurance oversees licensing, headed by a Commissioner appointed by the Governor, leading a department covering banking as well as insurance.
New Jersey Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to New Jersey policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $500,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | No limit |
| Disability income and long-term care | No limit |
| Other health insurance benefits | No limit |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for New Jersey, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
New Jersey insurance exam questions, answered
How many questions are on the New Jersey insurance license exam?
The combined life and health exam has 83 scored questions. You need 59 correct to pass at 70%, which means you can miss 24.
What is the passing score for the New Jersey insurance exam?
70%. That works out to 59 correct answers out of 83 scored questions.
Who administers the New Jersey insurance license exam?
PSI Services, on behalf of the New Jersey Department of Banking and Insurance.
Does New Jersey require prelicensing education?
20 hours per line of authority, so 40 hours for both Life and Accident & Health. The prelicensing course ends with a Certificate Exam requiring 70 percent. Certificates do not expire.
How much continuing education does New Jersey require?
24 credits every two years including 3 credits of ethics instruction.
Is there a New Jersey life-only or health-only exam?
Yes. Life only is 83 scored questions, 59 to pass, Health only is 88 scored questions, 62 to pass.
How much does a New Jersey study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the New Jersey Department of Banking and Insurance.