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New Jersey · State licensing

Pass the New Jersey Life & Health insurance license exam.

New Jersey has no mandatory pre-licensing education requirement — you can sit the PSI exam as soon as you're ready, which makes a strong question bank the whole game.

Quick answer: The New Jersey Life & Health insurance license exam is administered by PSI as a 150-question combined exam with a 180-minute limit, and you need 70% to pass. New Jersey does not require pre-licensing education before you sit. The exam fee is $47 per attempt.

Try the free New Jersey practice exam →

Quick facts

Testing vendor
PSI
Passing score
70%
Pre-licensing hours
Not required
Application fee
$170
Exam fee
$47 per attempt
Combined exam length
150 Q · 180 min

Source: www.nj.gov. Confirm before you register. State schedules change.

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What's on the New Jersey L&H exam.

The New Jersey L&H exam is administered by PSI. The combined exam runs 150 questions with a 180-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in New Jersey.

Plan for roughly $257–$292 in mandatory New Jersey state and vendor fees before any study materials.

License application
$170
Exam fee
$47 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
Not required

A retake means paying the $47 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

New Jersey exam FAQ.

Does New Jersey require pre-licensing education?
No. NJ has no mandatory pre-licensing course requirement for the L&H lines — you register for the PSI exam directly.
What's the New Jersey passing score?
70%.
Who administers the New Jersey L&H exam?
PSI Services, at test centers statewide or online remote-proctored.
How much does it cost to get licensed in New Jersey?
Roughly $217 in mandatory fees: ~$170 license fee + ~$47 exam fee per attempt. Fees and hours change frequently. Confirm the latest figures on your state insurance department's site before you register.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.