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 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.
Get on the New Jersey waitlist.
We're building the New Jersey-specific question bank now. Waitlist members get 14-day early access and the cheat-sheet PDF.
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.
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.