New Jersey Life & Health Insurance License Exam Guide (2026)
New Jersey requires pre-licensing education before you may sit for the exam. Each line is a separate exam: Life Insurance — 83 scored questions plus 5–19 unscored, in 210 minutes, passing 70%, fee $47; Accident & Health — 88 scored questions plus 5–19 unscored, in 210 minutes, passing 70%, fee $47. Verified 2026-09-02 against official New Jersey sources.
New Jersey’s exams are delivered by PSI, which has held the state’s exam contract since 2009. The New Jersey exams are among the longest in the country — 3.5 hours per paper — and the state requires 20 hours of pre-licensing education per line.
New Jersey L&H exam facts at a glance
Last verified:
- PSI
- Exam provider
- Life Insurance (Life-Only)
- Exam line
- 83
- Scored questions
- 210 min
- Time limit
- 70%
- Passing score
- $47
- Exam fee
- 20h per line (40h combined)
- Pre-licensing education
- 58.3%
- 2024 first-attempt pass rate
Verified against official sources as of · primary source. Question formats and fees change — always confirm details in the current official candidate handbook (linked below) before scheduling.
Exam format, question counts and fees
| Exam | Scored | Unscored (pretest) | Time limit | Passing score | Fee |
|---|---|---|---|---|---|
| Life Insurance (Life-Only) | 83 | 5–19 unscored | 210 min | 70% | $47 |
| Accident & Health | 88 | 5–19 unscored | 210 min | 70% | $47 |
Unscored pretest questions are mixed in with scored questions and are not identified. Where a state reports a scaled score, the passing value is not a percentage of questions answered correctly.
What the official 2024 pass-rate data says
In 2024, the first-attempt pass rate for New Jersey insurance exams (all lines) was 58.3%.
Nationwide, the overall first-attempt pass rate for state insurance licensing exams was 59.4% in 2024 (all lines).
Pre-licensing education in New Jersey
New Jersey requires 20 hours of approved pre-licensing education per line: 20 for Life, 20 for Accident & Health, or 40 if you pursue both. Course completion certificates are valid for two years. There is no combined L&H exam — each line is a separate 3.5-hour sitting.
If you fail: retake rules
You cannot retake on the same day; the earliest practical retest is the third day after a failed attempt, subject to seat availability.
Total cost to get licensed
- Exam fee: $47 per attempt (PSI)
- License fee: $150 for a 2-year term
- Live Scan fingerprints (IDEMIA): $66.05 (required since June 1, 2019)
Practice the national core — free
Roughly 70–80% of every state’s L&H exam is national content: policy types, contract law, annuities, tax treatment, Medicare, PPACA, LTC. Our national core question bank covers exactly that layer — 2,180 questions, every one free with a 3-part explanation, no account required. New Jersey state-law drills are live too — 125 state-specific questions, every one free with the full explanation.
Try a national-core question right now
Free forever — click a question, answer it, and read the full 3-part explanation.
- A Point-of-Service (POS) plan is best described as:Answer free →Medical Expense·Difficulty 2/5·National content
- Under the Affordable Care Act, the 'guaranteed issue' requirement for small group health plans me…Answer free →Medical Expense·Difficulty 1/5·National content
- Under COBRA, a dependent child who loses coverage because of 'aging out' of the parent's group pl…Answer free →Medical Expense·Difficulty 1/5·National content
National-core practice domains
The nationally reusable layer of the New Jersey exam — organized by official content domain.
Frequently asked questions
How many questions are on the New Jersey life and health insurance exam?
Scored question counts by exam: Life Insurance (Life-Only) — 83 scored questions (plus 5–19 unscored); Accident & Health — 88 scored questions (plus 5–19 unscored). Unscored pretest questions may be mixed in and are not identified.
How long is the New Jersey insurance licensing exam?
Time limits by exam: Life Insurance (Life-Only) — 210 minutes; Accident & Health — 210 minutes.
What score do you need to pass the New Jersey exam?
Passing scores by exam: Life Insurance (Life-Only) — 70%; Accident & Health — 70%. The figures come from the current official candidate handbook.
How much does the New Jersey insurance exam cost?
Current exam fees: Life Insurance (Life-Only) — $47; Accident & Health — $47. Fees are paid at registration and are generally non-refundable.
Does New Jersey require pre-licensing education for a life & health license?
Yes — 20h per line (40h combined). See the pre-licensing education section above for the current statutory requirement.
What happens if I fail the New Jersey insurance exam?
You cannot retake on the same day; the earliest practical retest is the third day after a failed attempt, subject to seat availability. See the retake section above for the full policy.
The optional $59 Exam Engine (one-time) adds unlimited randomized practice, full exam simulations, timed quizzes and a wrong-answer book around the national core plus New Jersey state law.
Official sources for this page
- https://www.nj.gov/dobi/inslic.htm
- https://www.nj.gov/dobi/insliced/prodfaqs.htm
- https://www.nj.gov/dobi/insliced/livescan.htm
- https://test-takers.psiexams.com/njins
- https://test-takers.psiexams.com/api/content/bulletin/4554
- https://www.psiexams.com/
- https://law.justia.com/codes/new-jersey/title-17/section-17-22a-32/
- https://nipr.com/
This page is maintained by PassSprint. Data current as of 2026-09-02; report discrepancies to us and we will re-verify against the official document.
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