New Jersey License Requirements
New Jersey Insurance License Requirements (2026)
Everything you need to know to get and keep your New Jersey insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
New Jersey Insurance License Requirements at a Glance
Key facts for getting and maintaining your New Jersey insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of New Jersey |
| Prelicensing Hours (Life) | 20 hours |
| Prelicensing Hours (Health) | 20 hours |
| Prelicensing Hours (Life & Health Combined) | 40 hours |
| Exam Provider | PSI Services LLC |
| Exam Fee | $47 |
| Passing Score | 70% |
| Application Fee | $170 |
| Background Check Cost | $66 |
| Fingerprinting Required | Yes |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | New Jersey licenses expire on the last day of your birth month every 2 years |
| License Duration | 2 years |
| Special Training Required | No |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your New Jersey Insurance License
Follow these five steps to go from zero to licensed in New Jersey.
Complete Prelicensing Education
New Jersey requires you to complete 40 hours of state-approved prelicensing education before sitting for the exam. JustInsurance's online courses let you study at your own pace on any device. You'll receive an official certificate of completion once you finish.
Browse New Jersey Prelicensing Courses →Schedule and Pass the State Exam
The New Jersey insurance licensing exam is administered by PSI Services LLC. The exam fee is $47, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with PSI Services LLC →Complete Fingerprinting
Fingerprinting required through IdentoGO (Code: 2F16Y3)
Apply for Your License
Submit your application through the National Insurance Producer Registry (NIPR) The application fee is $170. Processing typically takes 1-5 business days.
Apply for Your New Jersey License →Get Appointed and Start Selling
Once your New Jersey insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the New Jersey Department of Banking and Insurance. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
New Jersey Fingerprinting Requirements
Fingerprinting required through IdentoGO (Code: 2F16Y3)
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
New Jersey CE Renewal Requirements
To keep your New Jersey insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
New Jersey licenses expire on the last day of your birth month every 2 years
Renewal Deadline
$39
CE Package Price
DOBI
Regulatory Body
New Jersey Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in New Jersey.
Insurance Code
New Jersey Statutes Annotated, Title 17B – InsuranceView Statute
Prelicensing Education
N.J.S.A. § 17:22A-32(a)(3); N.J.A.C. § 11:17-3.4(c)
Examination Requirements
N.J. Stat. 17:22A-31
Age Requirements
N.J.S.A. § 17:22A-32(a)(1)
Background Check
N.J.S.A. Sec. 17:22A-32(e)
Fingerprinting
N.J.S.A. § 17:22A-32(e)
License Application
N.J.S.A. § 17:22A-32(a)
CE Requirements
N.J. Stat. Ann. 17:22A-26 et seq.
CE Ethics
N.J.A.C. 11:17-3.6(a)
Administrative Code
Title 11 - InsuranceView Statute
Provider Regulation
New Jersey Administrative Code 11:17-3.1 and 11:17-3.2
New Jersey Insurance License Requirements — FAQs
How long does it take to get a New Jersey insurance license?
Most candidates complete the New Jersey insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in New Jersey?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in New Jersey?
Fingerprinting required through IdentoGO (Code: 2F16Y3)
Can I transfer my insurance license from another state to New Jersey?
Reciprocal licensing is available for producers licensed in good standing in their home state. No exam or pre-licensing education is required.
How much does a New Jersey insurance license cost?
The total cost to get your New Jersey insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($47), the state application fee ($170), and the background check cost ($66). Individual costs vary based on the line of authority you choose.
What are the New Jersey CE requirements?
New Jersey requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Your renewal deadline is New Jersey licenses expire on the last day of your birth month every 2 years. JustInsurance offers state-approved CE packages starting at $39.
Does New Jersey offer a combined Life and Health insurance exam?
No. New Jersey does not offer a combined Life & Accident/Health exam. You must pass separate exams for each line of authority through Prometric. One advantage is that New Jersey prelicensing certificates do not expire — so once you complete your course, you can take your time scheduling your exam without worrying about certificate expiration. This flexibility is especially helpful for candidates balancing work and study commitments.
What are the prelicensing hour requirements in New Jersey?
New Jersey requires 20 hours for Life, 20 hours for Health, and 40 hours for a combined Life & Health license. Courses are available fully online through JustInsurance.
Ready to Get Your New Jersey Insurance License?
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