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New Jersey Health Insurance — Requirements & Free Practice

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Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Insurance Producer License — Accident and Health or Sickness (Business Entity)

A business entity acting as an insurance producer must obtain its own license and designate one or more responsible producers with active New Jersey licenses.

Licensing authority: New Jersey Department of Banking and Insurance · Application information

Nonresident business entity add health authority
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Existing License
Existing New Jersey business entity producer license; written or online request and processing fee.
Home State Authority
For nonresidents certify currently valid comparable home-jurisdiction authority.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reciprocity
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Home State License
Current resident producer license in good standing covering the requested Health authority.
Reciprocity
Home jurisdiction licenses New Jersey residents on the same basis.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity late renewal within one year
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Lapse Window
Late renewal within one year of expiration; certify any business during the lapse and pay the late fee.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity renewal
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Home State Qualification
Nonresident entities continue to hold the reciprocal home-jurisdiction license.
Renewal
Submit timely renewal and fee; maintain an active designated responsible New Jersey licensed producer.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity requalification after lapse over one year
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Lapse
After one year requalify by a new business-entity application; maintain responsible producers and, if nonresident, home-jurisdiction qualification.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reinstatement after surrender
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.
Same License Period
Apply within the same license period under the business-entity application provision; pay the processing fee.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity add health authority
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Existing License
Existing New Jersey business entity producer license; written or online request and processing fee.
Home State Authority
For nonresidents certify currently valid comparable home-jurisdiction authority.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity late renewal within one year
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Lapse Window
Late renewal within one year of expiration; certify any business during the lapse and pay the late fee.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity renewal
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Home State Qualification
Nonresident entities continue to hold the reciprocal home-jurisdiction license.
Renewal
Submit timely renewal and fee; maintain an active designated responsible New Jersey licensed producer.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity requalification after lapse over one year
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Lapse
After one year requalify by a new business-entity application; maintain responsible producers and, if nonresident, home-jurisdiction qualification.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity reinstatement after surrender
No examination is required for this applicant pathway.
Application
Uniform business entity application, applicable fees, truthful fitness disclosures and supporting documents.
Business Name
Obtain approval of the resident business or trade name and file formation/business certificates as required.
Designated Responsible Producer
Designate one or more active New Jersey licensed individual producers cumulatively covering Health authority; their individual licensure is an applicant condition of the entity.
Resident Background Checks
For resident entities, all officers, directors, partners and owners of 10% or more must complete fingerprints and criminal history review.
Same License Period
Apply within the same license period under the business-entity application provision; pay the processing fee.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Accident and Health or Sickness (Individual)

Individual major-line producer authority for accident and health or sickness; residency is a route condition.

Licensing authority: New Jersey Department of Banking and Insurance · Application information

Nonresident add health authority
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application and required fees; licensing status may be checked in the NAIC Producer Database.
Existing License
Existing New Jersey nonresident individual producer license; requested Health line held in good standing in the home jurisdiction.
Home State License
Current resident producer license in good standing covering the requested Health authority.
Reciprocity
Home jurisdiction licenses New Jersey residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application and required fees; licensing status may be checked in the NAIC Producer Database.
Home State License
Current resident producer license in good standing covering the requested Health authority.
Reciprocity
Home jurisdiction licenses New Jersey residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within twelve months
No examination is required for this applicant pathway.
Continuing Qualification
Satisfy continuing education if resident or maintain the home-state license if nonresident; certify any insurance business transacted during the lapse.
Examination Waiver
N.J.S.A. 17:22A-33(c) allows reinstatement without passing a written examination.
Fees
Pay renewal and applicable late fees.
Lapse Window
Apply within 12 months of the due date of the renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application and required fees; licensing status may be checked in the NAIC Producer Database.
Existing License
Current New Jersey nonresident license; complete renewal and pay fees.
Home State License
Current resident producer license in good standing covering the requested Health authority.
Reciprocity
Home jurisdiction licenses New Jersey residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident requalification after lapse over one year
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application and required fees; licensing status may be checked in the NAIC Producer Database.
Home State License
Current resident producer license in good standing covering the requested Health authority.
Lapse
New Jersey license not renewed within one year; reapply as a new nonresident under N.J.S.A. 17:22A-34.
Reciprocity
Home jurisdiction licenses New Jersey residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement after surrender
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application and required fees; licensing status may be checked in the NAIC Producer Database.
Home State License
Current resident producer license in good standing covering the requested Health authority.
Reciprocity
Home jurisdiction licenses New Jersey residents on the same basis.
Same License Period
Reinstatement during the same license period; submit the application prescribed by the rule and processing fee. The incorporated nonresident application uses the home-jurisdiction license rather than a New Jersey examination.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement after suspension
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application and required fees; licensing status may be checked in the NAIC Producer Database.
Home State License
Current resident producer license in good standing covering the requested Health authority.
Reciprocity
Home jurisdiction licenses New Jersey residents on the same basis.
Suspension
Complete the suspension period and all order conditions; submit the suspension order, affidavit and supporting documents. The rule makes the additional education/examination qualification expressly conditional on resident status.

Official no-examination sources

Effective from 2026-09-22.

Resident add health authority
Health
Education
Provide the approved Health prelicensing education certificate or education waiver.
Existing License
Currently licensed New Jersey individual producer seeking Health as an additional authority.
Request
Submit a written request or online application and processing fee.
Score Window
Provide evidence of passing the Health State licensing examination no more than one year before applying, or evidence of an applicable waiver.
Resident initial by examination
Health
Application Fees
Submit the uniform application and applicable fees. The statute waives the initial licensing fee for qualifying honorably discharged resident veterans who pass the examination and meet other licensing requirements.
Background Check
Complete electronic fingerprinting and criminal history review before the resident application is processed.
Education Waiver
Approved Health designations are RHU, CEBS, REBC and HIA. A designation waives education only and does not waive the licensing examination.
Fitness
No act constituting grounds for denial, suspension or revocation; truthful uniform application and required supporting documents.
Minimum Age
At least 18 years of age.
Prelicensing Education
20 hours of approved Health prelicensing instruction unless the Department grants a waiver; a course completion certificate does not expire.
Residency
New Jersey resident or qualifying principal place of insurance business in New Jersey.
Score Window
The application must use a passing score no more than one year old; the examination is a leaf even when passed before applying.
Trade Name
Obtain Department approval before applying under a trade or DBA name.
Resident reinstatement within twelve months
No examination is required for this applicant pathway.
Continuing Qualification
Satisfy continuing education if resident or maintain the home-state license if nonresident; certify any insurance business transacted during the lapse.
Examination Waiver
N.J.S.A. 17:22A-33(c) allows reinstatement without passing a written examination.
Fees
Pay renewal and applicable late fees.
Lapse Window
Apply within 12 months of the due date of the renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal
No examination is required for this applicant pathway.
Continuing Education
Residents must complete 24 approved credits per licensing term, including three ethics credits, one of which may be replaced by insurance fraud; up to 12 excess non-ethics credits may carry over once.
Existing License
Current individual Health producer license; submit timely renewal application and fee.
Military Or Medical Waiver
Military service or another extenuating circumstance, including long-term medical disability, permits a request to waive renewal procedures, examination requirements or penalties under N.J.S.A. 17:22A-33(d). Granting the request is an applicant condition.

Official no-examination sources

Effective from 2026-09-22.

Resident requalification after lapse over one year
Health
Application Fees
Submit the uniform application and applicable fees. The statute waives the initial licensing fee for qualifying honorably discharged resident veterans who pass the examination and meet other licensing requirements.
Background Check
Complete electronic fingerprinting and criminal history review before the resident application is processed.
Education Waiver
Approved Health designations are RHU, CEBS, REBC and HIA. A designation waives education only and does not waive the licensing examination.
Fitness
No act constituting grounds for denial, suspension or revocation; truthful uniform application and required supporting documents.
Lapse
Former resident license not renewed within one year; requalify as a new applicant. Qualifying prior out-of-jurisdiction licensure or discretionary military/medical relief is an applicant condition.
Minimum Age
At least 18 years of age.
Prelicensing Education
20 hours of approved Health prelicensing instruction unless the Department grants a waiver; a course completion certificate does not expire.
Residency
New Jersey resident or qualifying principal place of insurance business in New Jersey.
Score Window
The application must use a passing score no more than one year old; the examination is a leaf even when passed before applying.
Trade Name
Obtain Department approval before applying under a trade or DBA name.
Resident reinstatement after surrender
Health
Examination Evidence
The incorporated resident application provision asks for the State licensing examination score no more than one year before application or an examination waiver. The currently offered Health examination remains a leaf; whether another sitting is required is an applicant condition.
Fees
No additional license fee for the same period, but pay the processing fee.
Same License Period
Reinstatement after voluntary surrender is available during the same license period by an application under N.J.A.C. 11:17-2.3.
Source Edition
Earlier official chapter text is used under the contract fallback; the current chapter portal could not be reached as actual chapter text.
Resident reinstatement after suspension
Health
Application
Apply under N.J.A.C. 11:17-2.3 with the order and an affidavit establishing completion of the period and conditions, supporting receipts or judgments, and compliance with restrictions.
Professional Qualifications
The resident must demonstrate the education and examination qualifications of N.J.S.A. 17:22A-32(a)(3) and (5); applicable waivers are applicant conditions.
Source Edition
Use the earlier official 2010 supplement under the contract fallback; chapter 17D was readopted in 2024.
Suspension
Complete the suspension period and every condition in the suspension order.
Resident licensure by previous home state license
No examination is required for this applicant pathway.
Background Check
Resident fingerprinting and criminal history review remain required.
Moving Deadline
A person moving to New Jersey must apply within 90 days of establishing legal residence.
Prior License
Same line of authority currently licensed, or application received within 90 days of cancellation; good standing verified through certification or NAIC Producer Database.
Waiver
N.J.S.A. 17:22A-35 waives prelicensing education and examination for qualifying applicants.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement after revocation
Health
Affidavit
Provide employment history, other business interests, disposition of the insurance business, restitution and recipients, other licenses held, litigation involving the applicant or a business in which the applicant owns at least five percent, and a statement of rehabilitation.
Application
Use the initial-license application and demonstrate professional qualifications under N.J.S.A. 17:22A-32(a)(3) and (5).
Criminal Conviction
Submit a chief probation officer report if revocation was based on a crime or the applicant was convicted after revocation.
Discretion
The Commissioner reviews rehabilitation and may investigate, require more information or confer with the applicant; reinstatement is discretionary.
Source Edition
Earlier official June 7, 2010 rule text is used under the contract fallback with the 2024 readoption.
Waiting Period
Apply at least five years after the effective date of the revocation order.

Temporary Insurance Producer License

Commissioner-issued temporary license, up to 180 days, to service an existing insurance business under N.J.S.A. 17:22A-37.

Licensing authority: New Jersey Department of Banking and Insurance · Application information

Business entity member or employee
No examination is required for this applicant pathway.
Commissioner Discretion
Issuance must be necessary for servicing the insurance business; the Commissioner may limit authority, require a licensed-producer or insurer sponsor, impose protective conditions or revoke the temporary license.
Duration
No more than 180 days.
Eligibility
Member or employee of a licensed business entity after death or disability of its designated responsible producer.
Termination
The license does not continue after disposal of the producer’s business.

Official no-examination sources

Effective from 2026-09-22.

Military service designee
No examination is required for this applicant pathway.
Commissioner Discretion
Issuance must be necessary for servicing the insurance business; the Commissioner may limit authority, require a licensed-producer or insurer sponsor, impose protective conditions or revoke the temporary license.
Duration
No more than 180 days.
Eligibility
Designee of a licensed producer entering active United States military service.
Termination
The license does not continue after disposal of the producer’s business.

Official no-examination sources

Effective from 2026-09-22.

Commissioner public interest
No examination is required for this applicant pathway.
Commissioner Discretion
Issuance must be necessary for servicing the insurance business; the Commissioner may limit authority, require a licensed-producer or insurer sponsor, impose protective conditions or revoke the temporary license.
Duration
No more than 180 days.
Eligibility
Any other circumstance in which the Commissioner determines issuance best serves the public interest.
Termination
The license does not continue after disposal of the producer’s business.

Official no-examination sources

Effective from 2026-09-22.

Surviving spouse or personal representative
No examination is required for this applicant pathway.
Commissioner Discretion
Issuance must be necessary for servicing the insurance business; the Commissioner may limit authority, require a licensed-producer or insurer sponsor, impose protective conditions or revoke the temporary license.
Duration
No more than 180 days.
Eligibility
Surviving spouse or court-appointed personal representative of a deceased or disabled producer; service the existing business pending sale, recovery, return or training and licensing replacement personnel.
Termination
The license does not continue after disposal of the producer’s business.

Official no-examination sources

Effective from 2026-09-22.

Temporary Work Authority — Health Producer

A temporary certificate permitting a qualifying passing Health producer candidate to work for 60 days under licensed supervision while pursuing permanent licensure.

Licensing authority: New Jersey Department of Banking and Insurance · Application information

Temporary work authority after health examination
Health
Duration
60 days from the examination date.
Passing Score
Pass the currently offered Health producer examination.
Permanent License
Follow the short-form or permanent application instructions; applicants who fail temporary-work screening may still apply for a permanent license.
Screening
Qualify by answers to Department screening questions; these fitness questions are applicant conditions and not an independent licensing examination.
Supervision
Activate the certificate as instructed and work under a currently licensed producer.

Health

Provider
PSI Services LLC
Format
Computer examination at a testing center or remotely
Exam questions
88 scored items; the candidate bulletin permits an additional 5–19 unscored experimental questions
Time limit
3.5 hours
Passing score
70% correct
Examination outline
  • I.0 Types of Policies (14 Items)
    • 1.1 Disability Income
    • 1.1 Disability Income / Individual disability income policy
    • 1.1 Disability Income / Business overhead expense policy
    • 1.1 Disability Income / Business disability buyout policy
    • 1.1 Disability Income / Group disability income policy
    • 1.1 Disability Income / Key employee/partner policies
    • 1.2 Accidental Death and Dismemberment
    • 1.3 Medical Expense Insurance
    • 1.3 Medical Expense Insurance / Basic hospital, medical, and surgical policies
    • 1.3 Medical Expense Insurance / Major medical policies
    • 1.3 Medical Expense Insurance / Comprehensive major medical policies
    • 1.3 Medical Expense Insurance / Health Maintenance Organizations (HMOs)
    • 1.3 Medical Expense Insurance / Preferred Provider Organizations (PPOs)
    • 1.3 Medical Expense Insurance / Service organizations (Blue Plans)
    • 1.3 Medical Expense Insurance / Point of Service(POS) plans
    • 1.3 Medical Expense Insurance / Medical Savings Accounts (MSAs)
    • 1.3 Medical Expense Insurance / Flexible Spending Accounts (FSAs)
    • 1.3 Medical Expense Insurance / Health Reimbursement Accounts (HRAs)
    • 1.3 Medical Expense Insurance / High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • 1.3 Medical Expense Insurance / Consumer Driven Health Plans (CDHPs)
    • 1.4 Medicare Supplement Policies
    • 1.5 Group Insurance
    • 1.5 Group Insurance / Group conversion
    • 1.5 Group Insurance / Differences between individual and group contracts
    • 1.5 Group Insurance / General concepts
    • 1.5 Group Insurance / COBRA
    • 1.5 Group Insurance / HIPAA
    • 1.6 Long Term Care
    • 1.6 Long Term Care / Individual LTC contracts
    • 1.6 Long Term Care / Group/voluntary LTC contracts
    • 1.6 Long Term Care / Service days vs. calendar days
    • 1.7 Cancer (for specified diseases) Plans
    • 1.8 Critical Illness Plans
    • 1.9 Worksite (employer-sponsored) Plans
  • 2.0 Policy Provisions, Clauses, and Riders (20 Items)
    • 2.1 Mandatory Provisions
    • 2.1 Mandatory Provisions / Entire contract
    • 2.1 Mandatory Provisions / Time limit on certain defenses (incontestable)
    • 2.1 Mandatory Provisions / Grace period
    • 2.1 Mandatory Provisions / Reinstatement
    • 2.1 Mandatory Provisions / Notice of claim
    • 2.1 Mandatory Provisions / Claim forms
    • 2.1 Mandatory Provisions / Proof of loss
    • 2.1 Mandatory Provisions / Time of payment of claims
    • 2.1 Mandatory Provisions / Payment of claims
    • 2.1 Mandatory Provisions / Physical examination and autopsy
    • 2.1 Mandatory Provisions / Legal actions
    • 2.1 Mandatory Provisions / Change of beneficiary
    • 2.2 Optional Provisions
    • 2.2 Optional Provisions / Change of occupation
    • 2.2 Optional Provisions / Misstatement of age
    • 2.2 Optional Provisions / Illegal occupation
    • 2.3 Other Provisions and Clauses
    • 2.3 Other Provisions and Clauses / Insuring clause
    • 2.3 Other Provisions and Clauses / Free look (10-day, 20-day, etc.)
    • 2.3 Other Provisions and Clauses / Consideration clause
    • 2.3 Other Provisions and Clauses / Probationary period
    • 2.3 Other Provisions and Clauses / Elimination period
    • 2.3 Other Provisions and Clauses / Waiver of premium
    • 2.3 Other Provisions and Clauses / Exclusions
    • 2.3 Other Provisions and Clauses / Preexisting conditions
    • 2.3 Other Provisions and Clauses / Recurrent disability
    • 2.3 Other Provisions and Clauses / Coinsurance
    • 2.3 Other Provisions and Clauses / Deductibles
    • 2.3 Other Provisions and Clauses / Eligible expenses
    • 2.3 Other Provisions and Clauses / Copayments
    • 2.3 Other Provisions and Clauses / Pre-authorizations and prior approval requirements
    • 2.3 Other Provisions and Clauses / Usual, reasonable, and customary (URC) changes
    • 2.3 Other Provisions and Clauses / Lifetime, annual or per cause maximum benefit limits
    • 2.4 Riders
    • 2.4 Riders / Impairment rider
    • 2.4 Riders / Guaranteed insurability rider
    • 2.4 Riders / Multiple indemnity rider (double, triple)
    • 2.5 Rights of Renewability
    • 2.5 Rights of Renewability / Noncancelable
    • 2.5 Rights of Renewability / Cancelable
    • 2.5 Rights of Renewability / Guaranteed renewable
    • 2.5 Rights of Renewability / Conditionally renewable
    • 2.5 Rights of Renewability / Optionally renewable
    • 2.5 Rights of Renewability / Period of time for renewal
  • 3.0 Social Insurance (3 Items)
    • 3.1 Medicare
    • 3.1 Medicare / Primary, secondary payor
    • 3.1 Medicare / Medicare Parts A,B,C,D
    • 3.2 Medicaid
    • 3.3 Social Security Benefits
  • 4.0 Other Insurance Concepts (4 Items)
    • 4.1 Total, Partial, and Residual Disability
    • 4.2 Owner’s Rights
    • 4.3 Dependent Children Benefits
    • 4.4 Primary and Contingent Beneficiaries
    • 4.5 Modes of Premium Payments (annual, semiannual, etc.)
    • 4.6 Nonduplication and Coordination of Benefits (e.g., primary vs. excess)
    • 4.7 Occupational vs. Nonoccupational
    • 4.8 Tax Treatment of Premiums and Proceeds of Insurance Contracts (e.g., disability income and medical expenses, etc.)
    • 4.9 Managed Care
    • 4.10 Workers Compensation
    • 4.11 Subrogation
  • 5.0 Field Underwriting Procedures (9 Items)
    • 5.1 Completing application and obtaining necessary signatures
    • 5.2 Explaining sources of insurability information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • 5.3 Initial premium payment and receipt and consequences of the receipt (e.g. medical examination, etc.)
    • 5.4 Submitting application (and initial premium if collected) to company for underwriting
    • 5.5 Assuring delivery of policy and related documents to client
    • 5.6 Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • 5.7 Replacement
    • 5.8 Contract law
    • 5.8 Contract law / Requirements of forming a contract
    • 5.8 Contract law / Insurable interest
    • 5.8 Contract law / Warranties and representations
    • 5.8 Contract law / Unique aspects of the health contract
    • 5.8 Contract law / Unique aspects of the health contract / Conditional
    • 5.8 Contract law / Unique aspects of the health contract / Unilateral
    • 5.8 Contract law / Unique aspects of the health contract / Adhesion
  • 6.0 New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance (25 Items)
    • 6.1 State Regulatory Jurisdiction (4 Items)
    • 6.1 State Regulatory Jurisdiction (4 Items) / Legislation
    • 6.1 State Regulatory Jurisdiction (4 Items) / Legislation / State Laws
    • 6.1 State Regulatory Jurisdiction (4 Items) / Legislation / Court Action
    • 6.1 State Regulatory Jurisdiction (4 Items) / Legislation / Court Action / Interpretations
    • 6.1 State Regulatory Jurisdiction (4 Items) / Legislation / Court Action / Effect on Law and Policy Forms
    • 6.1 State Regulatory Jurisdiction (4 Items) / Legislation / Related Federal Laws and court Cases
    • 6.1 State Regulatory Jurisdiction (4 Items) / Legislation / Related Federal Laws and court Cases / Paul v. Virginia
    • 6.1 State Regulatory Jurisdiction (4 Items) / Legislation / Related Federal Laws and court Cases / US v. South-Eastern Underwriters Assoc.
    • 6.1 State Regulatory Jurisdiction (4 Items) / Legislation / Related Federal Laws and court Cases / McCarran-Ferguson Act/Public Law 15
    • 6.1 State Regulatory Jurisdiction (4 Items) / Commissioner/Dept. of Banking and Insurance
    • 6.1 State Regulatory Jurisdiction (4 Items) / Commissioner/Dept. of Banking and Insurance / Broad Powers of Commissioner
    • 6.1 State Regulatory Jurisdiction (4 Items) / Commissioner/Dept. of Banking and Insurance / Notice and Hearing
    • 6.1 State Regulatory Jurisdiction (4 Items) / Commissioner/Dept. of Banking and Insurance / Penalties
    • 6.2 Definitions (4 Items)
    • 6.2 Definitions (4 Items) / Insurance-related conduct
    • 6.2 Definitions (4 Items) / Domestic, foreign, and alien companies
    • 6.2 Definitions (4 Items) / Stock and mutual
    • 6.2 Definitions (4 Items) / Reinsurance
    • 6.2 Definitions (4 Items) / Certificate of authority
    • 6.2 Definitions (4 Items) / A producer acting as:
    • 6.2 Definitions (4 Items) / A producer acting as: / Insurance Agent
    • 6.2 Definitions (4 Items) / A producer acting as: / Insurance Broker
    • 6.2 Definitions (4 Items) / A producer acting as: / Insurance Consultant
    • 6.2 Definitions (4 Items) / “Sell, Solicit, and Negotiate”
    • 6.3 Licensing (8 Items)
    • 6.3 Licensing (8 Items) / Types of licenses/authorities/requirements
    • 6.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Producer
    • 6.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Business entity
    • 6.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Nonresident
    • 6.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Nonresident / Producer
    • 6.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Nonresident / Business Entity
    • 6.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Prelicensing requirements
    • 6.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Surplus lines
    • 6.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Temporary work authority
    • 6.3 Licensing (8 Items) / Contractual relationships
    • 6.3 Licensing (8 Items) / Contractual relationships / Company/producer
    • 6.3 Licensing (8 Items) / Contractual relationships / Producer substituting for or taking over the business of a disabled/deceased producer
    • 6.3 Licensing (8 Items) / Maintenance and duration of license
    • 6.3 Licensing (8 Items) / Maintenance and duration of license / Renewal
    • 6.3 Licensing (8 Items) / Maintenance and duration of license / Certification of license status
    • 6.3 Licensing (8 Items) / License refusal/termination
    • 6.3 Licensing (8 Items) / License refusal/termination / Denial
    • 6.3 Licensing (8 Items) / License refusal/termination / Cancellation/reinstatement
    • 6.3 Licensing (8 Items) / License refusal/termination / Revocation/suspension
    • 6.4 Trade Practices (6 Items)
    • 6.4 Trade Practices (6 Items) / Prohibited practices
    • 6.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance)
    • 6.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance) / Business names (including fictitious)
    • 6.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance) / Branch offices
    • 6.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance) / Change of address
    • 6.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance) / Standards of conduct
    • 6.5 Guaranty Associations (1 item)
    • 6.6 Ethics
    • 6.6 Fraud (2 items)
    • 6.7 Information Privacy
  • 7.0 New Jersey Laws, Rules, and Regulations Pertinent to Accident and Health Insurance Only (13 Items)
    • 7.1 Marketing Methods and Practices
    • 7.1 Marketing Methods and Practices / Solicitation
    • 7.1 Marketing Methods and Practices / Advertising
    • 7.1 Marketing Methods and Practices / Discrimination based on genetic characteristics
    • 7.2 Policy Clauses and Provisions
    • 7.2 Policy Clauses and Provisions / Minimum standards, claims notices, and standard provisions
    • 7.2 Policy Clauses and Provisions / New Jersey Mandated Benefits
    • 7.2 Policy Clauses and Provisions / Coordination of benefits
    • 7.2 Policy Clauses and Provisions / Prompt payment of claims
    • 7.3 Medicare supplement plans
    • 7.4 Temporary disability law
    • 7.5 Health Insurance Reform Markets
    • 7.5 Health Insurance Reform Markets / Individual
    • 7.5 Health Insurance Reform Markets / Small employer
    • 7.6 The Health Care Claims Authorization Processing and Payment Act
    • 7.7 Group Health Coverage
Examination sources