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New Jersey Life Insurance — Requirements & Free Practice

US-NJ · License preparation

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Licenses, application pathways and examination requirements

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

Insurance Producer License

Separate agency or business-entity producer licence with Life authority; the designated responsible individuals hold their own licences.

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

Add Life authority to an existing business entity licence
No examination is required for this applicant pathway.
Existing Licence
Maintain a current New Jersey business-entity producer licence.
Nonresident
If nonresident, certify comparable current home-state authority.
Request
Submit the additional-authority request and processing fee.
Responsible Producer
The request must be certified by a licensed officer, partner, owner or designated responsible producer holding or applying for Life authority.

Official no-examination sources

Effective from 2026-09-22.

Late business entity renewal within one year
No examination is required for this applicant pathway.
Business During Lapse
Disclose whether producer business was transacted while unlicensed; an expired entity is not authorized to transact producer business.
Deadline
Submit late renewal within one year of expiry.
Fees
Pay renewal and late fees, and maintain a designated responsible producer with active Life authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reciprocity
No examination is required for this applicant pathway.
Application
Submit the business-entity application and fees.
Designated Producer
Designate active New Jersey individual producer licences covering Life authority.
Home State
Maintain comparable resident business-entity authority in good standing in the home state; reciprocal treatment is required.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity renewal
No examination is required for this applicant pathway.
Designated Producer
Maintain designated responsible producers with active New Jersey Life authority.
Education
Continuing education attaches to resident individual producers rather than the business entity.
Renewal
Submit renewal and fees; for a nonresident entity maintain corresponding home-state authority in good standing.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity licensure
No examination is required for this applicant pathway.
Background
For a resident entity, fingerprint all officers, partners and owners of at least ten percent as stated by NJDOBI.
Designated Producer
Designate one or more individuals with active New Jersey licences collectively covering Life authority; the entity itself takes no examination under 17:22A-32(b).
Fees
Pay required fees.
Organization
Submit the uniform business-entity application, Department-approved business name and organizational documentation.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity renewal
No examination is required for this applicant pathway.
Designated Producer
Maintain designated responsible producers with active New Jersey Life authority.
Education
Continuing education attaches to resident individual producers rather than the business entity.
Renewal
Submit renewal and fees; for a nonresident entity maintain corresponding home-state authority in good standing.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Life Authority (Individual)

Individual life-insurance and annuity authority; resident and nonresident pathways.

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

Add Life authority to an existing nonresident licence
No examination is required for this applicant pathway.
Existing License
Hold an active New Jersey nonresident producer licence and corresponding home-state Life authority in good standing.
Request
Submit the request through NIPR or a dated signed request with the licence reference number and required fee.

Official no-examination sources

Effective from 2026-09-22.

Add Life authority to an existing resident individual producer licence
life producer & instructor examination
Existing License
Hold a current New Jersey individual producer licence.
Qualification
Provide the approved Life education certificate or waiver and the Life examination certificate no more than one year old or a statutory waiver.
Request
Submit the additional-authority request and processing fee.
Requalification by Commissioner ordered re examination
life producer & instructor examination
Appeal
A written appeal with supporting material may be filed within ten days; the Commissioner may modify or rescind the order or require re-examination.
Licence Status
The licence remains effective pending examination results unless independently subject to revocation or suspension.
Order
For good cause the Commissioner may order a licensee or applicant to retake the State licensing examination; the order must state the alleged factual circumstances and deadline.
Source Edition
The obtained official compilation carries supplement November 4, 2002; current public-code rule text was not obtained.
Requalification after more than one year of lapse
life producer & instructor examination
Lapse
Failure to renew within one year requires requalification as a new applicant.
Qualifications
Satisfy resident application, education or waiver, examination, fingerprint, fitness and fee requirements; any independently applicable prior-state exemption remains subject to 17:22A-35.
Reinstatement within twelve months after lapse
No examination is required for this applicant pathway.
Certification
State whether producer business was transacted while unlicensed and, if so, the number of policies written.
Deadline
Apply within twelve months of the renewal-fee due date.
Education
Supply completion of required continuing education.
Fees
Pay renewal and applicable late fees; do not transact business while the licence is expired.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application And Fees
Submit the home-state application or uniform application and required fees.
Home State License
Current resident Life-authority producer licence in good standing in the home state.
Reciprocity
The home state awards reciprocal nonresident producer licences on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Continuing Education
Home-state continuing education is accepted on the reciprocal basis of 17:22A-46(c); NJDOBI does not impose separate New Jersey CE on nonresidents.
Home State
Maintain the resident licence in good standing and submit the renewal and fee.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement after suspension
No examination is required for this applicant pathway.
Home State
Maintain corresponding resident Life authority in good standing and satisfy reciprocity. The resident professional-examination qualification in 11:17D-2.6(c) is restricted to resident producers.
Source Edition
Official State Library supplement July 7, 2008; current portal navigation yielded no rule text. The 2024 readoption is retained.
Suspension
Complete the suspension and every order condition; submit the order, affidavit and documentary proof of compliance.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure with approved designation education waiver
life producer & instructor examination
Approved Designation
Hold a Department-approved Life designation and obtain the education waiver; approved Life designations listed by NJDOBI are CEBS, ChFC, CIC, CFP, CLU, FLMI and LUTCF.
Examination
The designation waives education only; the Life licensing examination remains required.
Other Requirements
Meet the age, fitness, application, fees and fingerprint requirements for a resident individual applicant.
Resident licensure by examination
life producer & instructor examination
Application And Fees
Submit the uniform application and required fees; obtain Department approval of any proposed trade name.
Fingerprinting
Submit fingerprints and consent to the statutory criminal-history background check; pay its costs.
Fitness
No act constituting a statutory ground for denial, suspension, or revocation; accurate and complete application.
Minimum Age
At least 18 years.
Passing Score Age
PSI passing score reports are valid for one year; examination passage before applying remains a requirement of this route.
Prelicensing Education
Complete 20 hours of approved Life prelicensing education unless the Department grants an applicable education waiver.
Resident licensure based on a current or recently cancelled same line licence
No examination is required for this applicant pathway.
Good Standing
Good standing established through the prior state's certification or the NAIC Producer Database.
Other Requirements
Submit the resident application, fees and required fingerprint/background information; prelicensing education and examination are exempt under 17:22A-35(a).
Prior License
Previously licensed in the same Life authority in another state; current licence or application received within 90 days after cancellation.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal
No examination is required for this applicant pathway.
Continuing Education
Complete 24 approved continuing-education credits, including at least three ethics credits, for the biennial renewal.
Extenuating Circumstances
Military service or long-term medical disability may support a request to waive renewal procedures, examination requirements or sanctions under 17:22A-33(d).
Renewal
Submit the renewal application and fee while qualified; no separate licensing examination is part of ordinary renewal under 17:22A-33(b).

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement after suspension
life producer & instructor examination
Order Compliance
Complete the suspension and every condition in the order; attach the suspension order and an affidavit with proof that all conditions and restrictions were satisfied.
Qualifications
Demonstrate prelicensing education and passing examinations under 17:22A-32(a)(3) and (5).
Source Edition
Official State Library supplement July 7, 2008; current public-code navigation did not yield these provisions. The producer-conduct rules were readopted July 15, 2024.
Resident transfer after moving to New Jersey
No examination is required for this applicant pathway.
Exemption
No prelicensing education or examination for the lines previously held, subject to an exception established by regulation.
Implementation
Notify the Department of address/contact changes within 30 days, request resident status within 90 days and submit fingerprints; N.J.A.C. 11:17-2.4(b), recodified as 2.5, implements the transfer.
Prior Authority
Hold Life authority in another state and apply within 90 days of establishing New Jersey residence.

Official no-examination sources

Effective from 2026-09-22.

Return after insurance related public employment
No examination is required for this applicant pathway.
Deadline
Apply within one year after termination of that employment; N.J.A.C. 11:17-3.5(e) exempts re-examination.
Prior Licence
Prior New Jersey producer licence terminated as a condition of insurance-related public employment.
Source Edition
The rule text is the official compilation with supplement November 4, 2002; current public-code navigation did not yield this rule. The 2023 readoption notice is retained.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement after revocation
life producer & instructor examination
Qualifications
Demonstrate the professional education and examination qualifications under 17:22A-32(a)(3) and (5).
Rehabilitation
Submit the prescribed affidavit concerning employment, business interests, disposition of the former producer business, restitution, other licences, proceedings and rehabilitation; provide the probation officer's report where required. Reinstatement is subject to Department review.
Source Edition
Official State Library supplement July 7, 2008; current public-code navigation did not yield these provisions. The producer-conduct rules were readopted July 15, 2024.
Waiting Period
Apply at least five years after the effective date of revocation.

New Jersey Insurance Producer License (Business Entity)

Business-entity producer license for the credit insurance limited line, requiring designated responsible producers with active New Jersey licenses covering the requested authority.

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

Add the limited line authority
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Credit Insurance limited line.
Insurer Instruction
The insurer provides the Commissioner-approved instruction program for persons selling, soliciting or negotiating limited line credit insurance; instruction is an applicant condition.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.
Responsible Producer
Designate active New Jersey individual producers collectively covering the requested limited line.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line reciprocity
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Credit Insurance limited line.
Insurer Instruction
The insurer provides the Commissioner-approved instruction program for persons selling, soliciting or negotiating limited line credit insurance; instruction is an applicant condition.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.
Responsible Producer
Designate active New Jersey individual producers collectively covering the requested limited line.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line renewal
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Credit Insurance limited line.
Insurer Instruction
The insurer provides the Commissioner-approved instruction program for persons selling, soliciting or negotiating limited line credit insurance; instruction is an applicant condition.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.
Responsible Producer
Designate active New Jersey individual producers collectively covering the requested limited line.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line issuance
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Credit Insurance limited line.
Insurer Instruction
The insurer provides the Commissioner-approved instruction program for persons selling, soliciting or negotiating limited line credit insurance; instruction is an applicant condition.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.
Responsible Producer
Designate active New Jersey individual producers collectively covering the requested limited line.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line renewal
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Credit Insurance limited line.
Insurer Instruction
The insurer provides the Commissioner-approved instruction program for persons selling, soliciting or negotiating limited line credit insurance; instruction is an applicant condition.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.
Responsible Producer
Designate active New Jersey individual producers collectively covering the requested limited line.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Insurance Producer License — Credit Insurance (Individual)

Individual limited-lines insurance producer license for credit insurance; applications and criminal backgrounds are reviewed.

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

Add the limited line authority
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Credit Insurance limited line.
Insurer Instruction
The insurer provides the Commissioner-approved instruction program for persons selling, soliciting or negotiating limited line credit insurance; instruction is an applicant condition.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within twelve months after lapse
No examination is required for this applicant pathway.
Deadline
Apply within twelve months after the renewal-fee due date with required certifications and fees; 17:22A-33(c) expressly dispenses with a written examination.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line reciprocity
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Credit Insurance limited line.
Insurer Instruction
The insurer provides the Commissioner-approved instruction program for persons selling, soliciting or negotiating limited line credit insurance; instruction is an applicant condition.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line renewal
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Credit Insurance limited line.
Insurer Instruction
The insurer provides the Commissioner-approved instruction program for persons selling, soliciting or negotiating limited line credit insurance; instruction is an applicant condition.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line issuance
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Credit Insurance limited line.
Insurer Instruction
The insurer provides the Commissioner-approved instruction program for persons selling, soliciting or negotiating limited line credit insurance; instruction is an applicant condition.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line renewal
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Credit Insurance limited line.
Insurer Instruction
The insurer provides the Commissioner-approved instruction program for persons selling, soliciting or negotiating limited line credit insurance; instruction is an applicant condition.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Insurance Producer License — Group Mortgage Cancellation (Business Entity)

Business-entity producer license for the group mortgage cancellation limited line, requiring designated responsible producers with active New Jersey licenses covering the requested authority.

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

Add the limited line authority
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Group Mortgage Cancellation limited line.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.
Responsible Producer
Designate active New Jersey individual producers collectively covering the requested limited line.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line reciprocity
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Group Mortgage Cancellation limited line.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.
Responsible Producer
Designate active New Jersey individual producers collectively covering the requested limited line.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line renewal
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Group Mortgage Cancellation limited line.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.
Responsible Producer
Designate active New Jersey individual producers collectively covering the requested limited line.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line issuance
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Group Mortgage Cancellation limited line.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.
Responsible Producer
Designate active New Jersey individual producers collectively covering the requested limited line.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line renewal
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Group Mortgage Cancellation limited line.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.
Responsible Producer
Designate active New Jersey individual producers collectively covering the requested limited line.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Insurance Producer License — Group Mortgage Cancellation (Individual)

Individual insurance producer license for the group mortgage cancellation limited line; applications and criminal background are reviewed.

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

Add the limited line authority
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Group Mortgage Cancellation limited line.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within twelve months after lapse
No examination is required for this applicant pathway.
Deadline
Apply within twelve months after the renewal-fee due date with required certifications and fees; 17:22A-33(c) expressly dispenses with a written examination.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line reciprocity
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Group Mortgage Cancellation limited line.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line renewal
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Group Mortgage Cancellation limited line.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line issuance
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Group Mortgage Cancellation limited line.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line renewal
No examination is required for this applicant pathway.
Application And Fitness
Submit the appropriate uniform individual/entity application or authority-change/renewal request, required fees and character/fitness information.
Authority
Transaction is confined to the authorized Group Mortgage Cancellation limited line.
Nonresident
For a nonresident, maintain comparable home-state resident authority in good standing and satisfy reciprocity.
Resident Background
Provide the applicable resident criminal-background/fingerprint information.

Official no-examination sources

Effective from 2026-09-22.

temporary insurance producer license

Temporary continuation of an existing Life producer business without examination, subject to Commissioner approval and statutory limitations.

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

Temporary licence for a business entity member or employee
No examination is required for this applicant pathway.
Applicant
Member or employee of the licensed producer business entity after death or disability of its designated responsible individual producer.
Discretion
Commissioner must find temporary licensure necessary to service the insurance business; may restrict authority or require a suitable licensed sponsor.
Duration
No more than 180 days without examination.
Termination
Authority may be revoked to protect insureds and the public and does not continue after disposal of the producer business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licence for a military service designee
No examination is required for this applicant pathway.
Applicant
Designee of a licensed Life producer entering active United States military service.
Discretion
Commissioner must find temporary licensure necessary to service the insurance business; may restrict authority or require a suitable licensed sponsor.
Duration
No more than 180 days without examination.
Termination
Authority may be revoked to protect insureds and the public and does not continue after disposal of the producer business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licence in another public interest circumstance
No examination is required for this applicant pathway.
Applicant
Another circumstance in which the Commissioner determines temporary issuance best serves the public interest.
Discretion
Commissioner must find temporary licensure necessary to service the insurance business; may restrict authority or require a suitable licensed sponsor.
Duration
No more than 180 days without examination.
Termination
Authority may be revoked to protect insureds and the public and does not continue after disposal of the producer business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licence for a surviving spouse or personal representative
No examination is required for this applicant pathway.
Applicant
Surviving spouse or court-appointed personal representative of a deceased or disabled Life producer; continue service pending sale, recovery, return or training and licensure of new personnel.
Discretion
Commissioner must find temporary licensure necessary to service the insurance business; may restrict authority or require a suitable licensed sponsor.
Duration
No more than 180 days without examination.
Termination
Authority may be revoked to protect insureds and the public and does not continue after disposal of the producer business.

Official no-examination sources

Effective from 2026-09-22.

temporary work authority

Qualified applicants receive temporary work authority after completing their examination and must follow the certificate instructions to activate it.

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

Temporary work authority after passing the Life examination
life producer & instructor examination
Activation
Follow the activation instructions printed on the temporary work-authority certificate.
Duration
The PSI bulletin describes authority for 60 days from the examination date; apply for the permanent licence as directed.
Passing Exam
Pass the Life Producer examination and qualify on Department screening questions.
Supervision
Work under a current licensed producer.

insurance producer license

Business-entity licence for variable life and annuity products, with appropriately licensed designated responsible individual producers.

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

Addition of variable life/annuity business entity authority
No examination is required for this applicant pathway.
Application
Submit the entity application or applicable authority-change/renewal request and fees; nonresidents maintain corresponding home-state authority in good standing and qualify under reciprocity.
Responsible Producer
Maintain designated responsible individuals with active New Jersey variable life and variable annuity authority.
Securities
The applicable individual securities licence is a condition of variable-product activity, not an insurance examination for the entity.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reciprocity
No examination is required for this applicant pathway.
Application
Submit the entity application or applicable authority-change/renewal request and fees; nonresidents maintain corresponding home-state authority in good standing and qualify under reciprocity.
Responsible Producer
Maintain designated responsible individuals with active New Jersey variable life and variable annuity authority.
Securities
The applicable individual securities licence is a condition of variable-product activity, not an insurance examination for the entity.

Official no-examination sources

Effective from 2026-09-22.

Business entity renewal
No examination is required for this applicant pathway.
Application
Submit the entity application or applicable authority-change/renewal request and fees; nonresidents maintain corresponding home-state authority in good standing and qualify under reciprocity.
Responsible Producer
Maintain designated responsible individuals with active New Jersey variable life and variable annuity authority.
Securities
The applicable individual securities licence is a condition of variable-product activity, not an insurance examination for the entity.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity issuance
No examination is required for this applicant pathway.
Application
Submit the entity application or applicable authority-change/renewal request and fees; nonresidents maintain corresponding home-state authority in good standing and qualify under reciprocity.
Responsible Producer
Maintain designated responsible individuals with active New Jersey variable life and variable annuity authority.
Securities
The applicable individual securities licence is a condition of variable-product activity, not an insurance examination for the entity.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Variable Life and Variable Annuity Authority (Individual)

Insurance producer line of authority covering variable life insurance, variable annuities and other life insurance or annuity products reflecting a separate account's investment experience.

Licensing authority: Department of Banking and Insurance · Application information

Reinstatement within twelve months after lapse
No examination is required for this applicant pathway.
Deadline
Apply within twelve months with required education, certifications and fees; the statute exempts the written examination.
Securities
Maintain applicable securities licensure.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocity
No examination is required for this applicant pathway.
Home State
Current corresponding resident authority in good standing, reciprocal state treatment, uniform application and fee.
Securities
Maintain applicable securities licensure.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Home State
Maintain corresponding home-state resident licence in good standing and submit renewal and fees.
Securities
Maintain applicable securities licensure.

Official no-examination sources

Effective from 2026-09-22.

Same line prior license exemption
No examination is required for this applicant pathway.
Prior Licence
Current same-line licence in another state, or application within 90 days after its cancellation with proof of good standing.
Securities
Hold any applicable securities licence; another profession's examination is an applicant condition, never an insurance-exam leaf.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal
No examination is required for this applicant pathway.
Education
Complete the resident individual's required continuing education, including ethics.
Renewal
Pay the renewal fee and retain required securities licensure.

Official no-examination sources

Effective from 2026-09-22.

Resident transfer after moving to New Jersey
No examination is required for this applicant pathway.
Prior Licence
Previously held variable life and annuity authority; apply within 90 days of becoming a New Jersey resident.
Securities
Maintain required securities licensure and meet fingerprint, application and fee requirements.

Official no-examination sources

Effective from 2026-09-22.

life producer & instructor examination

Provider
PSI Services LLC
Format
Computer examination at a test center or remotely proctored
Exam questions
83 scored items; 5 to 19 additional experimental questions may be administered without scoring
Time limit
3.5 hours
Passing score
70% correct
Examination outline
  • I.0 TYPES OF POLICIES (9 Items)
    • 1.1 Traditional Whole Life Products
    • 1.1 Traditional Whole Life Products / Ordinary (straight) life
    • 1.1 Traditional Whole Life Products / Limited-pay and single-premium life
    • 1.1 Traditional Whole Life Products / Adjustable life
    • 1.2 Interest-Sensitive Life Products
    • 1.2 Interest-Sensitive Life Products / Universal life
    • 1.2 Interest-Sensitive Life Products / Variable whole life
    • 1.2 Interest-Sensitive Life Products / Variable universal life
    • 1.2 Interest-Sensitive Life Products / Interest-sensitive whole life
    • 1.3 Term life
    • 1.3 Term life / Level, decreasing, and increasing term
    • 1.3 Term life / Special features
    • 1.3 Term life / Special features / Renewable
    • 1.3 Term life / Special features / Convertible
    • 1.4 Annuities
    • 1.4 Annuities / Single, level, and flexible premium
    • 1.4 Annuities / Immediate and deferred
    • 1.4 Annuities / Fixed and variable
    • 1.4 Annuities / Equity index
    • 1.5 Combination Plans and Variations
    • 1.5 Combination Plans and Variations / Joint life
    • 1.5 Combination Plans and Variations / Survivorship life
  • 2.0 POLICY RIDERS, PROVISIONS, OPTIONS, AND EXCLUSIONS (21 Items)
    • 2.1 Policy Riders
    • 2.1 Policy Riders / Waiver of premium and waiver of premium with disability income
    • 2.1 Policy Riders / Guaranteed insurability
    • 2.1 Policy Riders / Payor benefit
    • 2.1 Policy Riders / Accidental death and/or accidental death and dismemberment
    • 2.1 Policy Riders / Term riders
    • 2.1 Policy Riders / Other insureds (e.g., spouse, children, nonfamily)
    • 2.1 Policy Riders / Cost of living
    • 2.2 Policy Provisions and Options
    • 2.2 Policy Provisions and Options / Entire contract
    • 2.2 Policy Provisions and Options / Insuring clause
    • 2.2 Policy Provisions and Options / Free look
    • 2.2 Policy Provisions and Options / Consideration
    • 2.2 Policy Provisions and Options / Owner’s rights
    • 2.2 Policy Provisions and Options / Beneficiary designations
    • 2.2 Policy Provisions and Options / Beneficiary designations / Primary and contingent
    • 2.2 Policy Provisions and Options / Beneficiary designations / Revocable and irrevocable
    • 2.2 Policy Provisions and Options / Beneficiary designations / Changes
    • 2.2 Policy Provisions and Options / Beneficiary designations / Common disaster
    • 2.2 Policy Provisions and Options / Beneficiary designations / Minor beneficiaries
    • 2.2 Policy Provisions and Options / Premium Payment
    • 2.2 Policy Provisions and Options / Premium Payment / Modes
    • 2.2 Policy Provisions and Options / Premium Payment / Grace period
    • 2.2 Policy Provisions and Options / Automatic premium loan
    • 2.2 Policy Provisions and Options / Level or flexible
    • 2.2 Policy Provisions and Options / Reinstatement
    • 2.2 Policy Provisions and Options / Policy loans, withdrawals, partial surrenders
    • 2.2 Policy Provisions and Options / Nonforfeiture options
    • 2.2 Policy Provisions and Options / Dividends and dividend options
    • 2.2 Policy Provisions and Options / Incontestability
    • 2.2 Policy Provisions and Options / Assignments
    • 2.2 Policy Provisions and Options / Suicide
    • 2.2 Policy Provisions and Options / Misstatement of age and gender
    • 2.2 Policy Provisions and Options / Settlement options
    • 2.3 Policy Exclusions
  • 3.0 COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICY (12 Items)
    • 3.1 Completing The Application
    • 3.1 Completing The Application / Required signatures
    • 3.1 Completing The Application / Changes in the application
    • 3.1 Completing The Application / Consequences of incomplete applications
    • 3.1 Completing The Application / Warranties and representations
    • 3.1 Completing The Application / Collecting the initial premium and issuing the receipt
    • 3.1 Completing The Application / Replacement
    • 3.1 Completing The Application / Disclosures at point of sale (i.e. HIPAA, HIV consent)
    • 3.2 Underwriting
    • 3.2 Underwriting / Insurable interest
    • 3.2 Underwriting / Medical information and consumer reports
    • 3.2 Underwriting / Fair Credit Reporting Act
    • 3.2 Underwriting / Risk classification
    • 3.3 Delivering The Policy
    • 3.3 Delivering The Policy / When coverage begins
    • 3.3 Delivering The Policy / Explaining the policy and its provisions, riders, exclusions, and ratings to the client
    • 3.4 Do Not Call List
  • 4.0 TAXES, RETIREMENT, AND OTHER INSURANCE CONCEPTS (8 Items)
    • 4.1 Third-Party Ownership
    • 4.2 Group Life Insurance
    • 4.2 Group Life Insurance / Conversion privilege
    • 4.2 Group Life Insurance / Contributory vs. noncontributory
    • 4.3 Retirement Plans
    • 4.3 Retirement Plans / Tax-qualified plans
    • 4.3 Retirement Plans / Nonqualified plans
    • 4.4 Business Insurance
    • 4.5 Social Security Benefits and Taxes
    • 4.6. Tax Treatment of Insurance Premiums, Proceeds, Dividends
    • 4.6. Tax Treatment of Insurance Premiums, Proceeds, Dividends / Individual life
    • 4.6. Tax Treatment of Insurance Premiums, Proceeds, Dividends / Group life
    • 4.6. Tax Treatment of Insurance Premiums, Proceeds, Dividends / Modified Endowment Contracts (MECs)
    • 4.7 Accelerated Death Benefits—Living Benefits
    • 4.8 Endowments
  • 5.0 New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance (25 Items)
    • 5.1 State Regulatory Jurisdiction (4 Items)
    • 5.1 State Regulatory Jurisdiction (4 Items) / Legislation
    • 5.1 State Regulatory Jurisdiction (4 Items) / Legislation / State Laws
    • 5.1 State Regulatory Jurisdiction (4 Items) / Legislation / Court Action
    • 5.1 State Regulatory Jurisdiction (4 Items) / Legislation / Court Action / Interpretations
    • 5.1 State Regulatory Jurisdiction (4 Items) / Legislation / Court Action / Effect on Law and Policy Forms
    • 5.1 State Regulatory Jurisdiction (4 Items) / Legislation / Related Federal Laws and court Cases
    • 5.1 State Regulatory Jurisdiction (4 Items) / Legislation / Related Federal Laws and court Cases / Paul v. Virginia
    • 5.1 State Regulatory Jurisdiction (4 Items) / Legislation / Related Federal Laws and court Cases / US v. South-Eastern Underwriters Assoc.
    • 5.1 State Regulatory Jurisdiction (4 Items) / Legislation / Related Federal Laws and court Cases / McCarran-Ferguson Act/Public Law 15
    • 5.1 State Regulatory Jurisdiction (4 Items) / Commissioner/Dept. of Banking and Insurnace
    • 5.1 State Regulatory Jurisdiction (4 Items) / Commissioner/Dept. of Banking and Insurnace / Broad Powers of Commissioner
    • 5.1 State Regulatory Jurisdiction (4 Items) / Commissioner/Dept. of Banking and Insurnace / Notice and Hearing
    • 5.1 State Regulatory Jurisdiction (4 Items) / Commissioner/Dept. of Banking and Insurnace / Penalties
    • 5.2 Definitions (4 Items)
    • 5.2 Definitions (4 Items) / Insurance-related conduct
    • 5.2 Definitions (4 Items) / Domestic, foreign, and alien companies
    • 5.2 Definitions (4 Items) / Stock and mutual
    • 5.2 Definitions (4 Items) / Reinsurance/Retrocession
    • 5.2 Definitions (4 Items) / Certificate of authority
    • 5.2 Definitions (4 Items) / A producer acting as:
    • 5.2 Definitions (4 Items) / A producer acting as: / Insurance Agent
    • 5.2 Definitions (4 Items) / A producer acting as: / Insurance Broker
    • 5.2 Definitions (4 Items) / A producer acting as: / Insurance Consultant
    • 5.2 Definitions (4 Items) / “Sell, Solicit, and Negotiate”
    • 5.3 Licensing (8 Items)
    • 5.3 Licensing (8 Items) / Types of licenses/authorities/requirements
    • 5.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Producer
    • 5.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Business entity
    • 5.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Nonresident
    • 5.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Nonresident / Producer
    • 5.3 Licensing (8 Items) / Types of licenses/authorities/requirements / Nonresident / Business Entity
    • 5.3 Licensing (8 Items) / Prelicensing requirements
    • 5.3 Licensing (8 Items) / Surplus lines
    • 5.3 Licensing (8 Items) / Temporary work authority
    • 5.3 Licensing (8 Items) / Contractual relationships
    • 5.3 Licensing (8 Items) / Contractual relationships / Company/producer
    • 5.3 Licensing (8 Items) / Contractual relationships / Producer employing another producer
    • 5.3 Licensing (8 Items) / Contractual relationships / Producer substituting for or taking over the business of a disabled/deceased producer
    • 5.3 Licensing (8 Items) / Maintenance and duration of license
    • 5.3 Licensing (8 Items) / Maintenance and duration of license / Renewal
    • 5.3 Licensing (8 Items) / License refusal/termination
    • 5.3 Licensing (8 Items) / License refusal/termination / Denial
    • 5.3 Licensing (8 Items) / License refusal/termination / Cancellation/reinstatement
    • 5.3 Licensing (8 Items) / License refusal/termination / Revocation/suspension
    • 5.4 Trade Practices (6 Items)
    • 5.4 Trade Practices (6 Items) / Prohibited practices
    • 5.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance)
    • 5.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance) / Business names (including fictitious)
    • 5.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance) / Branch offices
    • 5.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance) / Change of address including email
    • 5.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance) / Standards of conduct
    • 5.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance) / Fraud
    • 5.4 Trade Practices (6 Items) / Licensee responsibilities (Reporting information to the Department of Banking and Insurance) / Information Privacy
    • 5.5 Guaranty Associations
    • 5.6 Ethics
  • 6.0. New Jersey Laws, Rules, and Regulations Pertinent to Life and Regulations (8 Items)
    • Credit Life
    • Group Life
    • Marketing Methods and Practices
    • Marketing Methods and Practices / Replacement
    • Marketing Methods and Practices / Disclosures
    • Marketing Methods and Practices / Advertising
    • Marketing Methods and Practices / Twisting
    • The Insurance Contract
    • Suitability of Annuities and Life Products
    • Appropriate Use of Business Title or Designation when marketing life and annuity products
Examination sources