New Jersey Producer Licensing
The New Jersey supplement opens with who regulates insurance in the state and how a person becomes and stays a licensed life and health producer. New Jersey combines banking and insurance oversight in a single Department of Banking and Insurance (DOBI), headed by a gubernatorially appointed Commissioner. This chapter covers the regulator, license lines, appointments, and continuing education, because New Jersey's procedural rules are heavily tested.
The Regulator: New Jersey Department of Banking and Insurance
Insurance producers in New Jersey are licensed and disciplined by the New Jersey Department of Banking and Insurance (DOBI), headed by a Commissioner of Banking and Insurance appointed by the Governor. The regulator enforces the state insurance code, licenses producers, oversees insurer market conduct, and can investigate complaints and take disciplinary action. A frequent exam point is correctly identifying this body by name and knowing that it -- not the insurer or a private association -- issues and revokes producer licenses.
License Lines and Qualification
To sell life and health products, a resident applicant generally must be at least 18, complete any required prelicensing education, pass the state licensing examination, submit an application with fees, and clear a background review. The license authorizes specific lines of authority -- typically a life line and an accident and health (health) line. Holding the correct line of authority for the products being sold is mandatory; transacting outside one's authority is a violation.
Appointments, Renewal, and Continuing Education
A license lets a producer be appointed by insurers; the appointment is the insurer's authorization to represent it and is filed with the regulator. Licenses renew on a recurring cycle, and New Jersey conditions renewal on completing continuing education, including an ethics component. Letting a license lapse or failing required CE ends the authority to transact insurance until the producer is reinstated.
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State-specific details
State exam facts
- State regulator
- New Jersey Department of Banking and Insurance
- Exam vendor
- PSI
- Prelicensing education
- 20 hours per line of authority
- Passing score
- 70%
Who regulates life & health insurance licensing in New Jersey?
The New Jersey Department of Banking and Insurance (DOBI) licenses producers. DOBI contracts with PSI Services to administer the licensing examinations.
Does New Jersey require prelicensing education for the life & health exam?
Yes. New Jersey requires 20 hours of prelicensing education, from a DOBI-approved provider, for each line of authority before you sit for the exam.
How is the New Jersey life & health exam structured?
New Jersey uses two separate PSI exams — a Life Producer exam and an Accident & Health Producer exam — and each requires a 70% passing score.
In the New Jersey Life & Health Insurance Producer Exam guide: A KEY CONCEPT box, a Common Traps list and a Check Yourself set closing each of the 9 national chapters. Practice here stays free.