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New Jersey Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of New Jersey. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the New Jersey Department of Banking & Insurance website at http://www.state.nj.us/dobi. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.

New Jersey Department of Banking & Insurance

Producer Licensing Unit
20 West State Street  PO Box 327  Trenton, New Jersey 08625-0327
Phone: 609-292-4337
Fax:  609-984-5263
Website: http://www.state.nj.us/dobi
Email: inslic@dobi.state.nj.us

Prelicensing Education Hour Requirements

  • Combined Life and Health - 40 Hours

  • Life - 20 Hours

  • Health - 20 Hours

  • Combined Property and Casualty - 40 Hours

  • Property - 20 Hours

  • Casualty - 20 Hours

  • Personal Lines - Property and Casualty - 20 Hours

Exam Provider: PSI

Acceptable Methods of Education

  • Classroom

  • Self-study

  • Online

Online Course Requirements

  • Proctor: In order for a certificate of completion to be earned and issued, the certification exam for self-study courses must be monitored by a disinterested third party (someone other than a relative, friend, or business associate).

Certificate of Completion Requirements

  • Candidates must present their original prelicensing education course completion certificate on the day of the exam, or a waiver issued by the New Jersey Department of Banking & Insurance.
  • Certificate is submitted with the candidate’s insurance license application.
  • Certificates of completion are valid indefinitely.

​Exam and/or Prelicensing Education Exemptions 

The following designations or certifications are approved for waiver of prelicensing education requirements for the indicated insurance line of authority: Note: Applicant must apply for a license within one year of passing the exam.

  • Life - CEBS, ChFC®, CIC, CFP®, CLU®, FLMI, LUTCF

  • Accident and Health or Sickness - RHU, CEBS, REBC, HIA

  • Property, Casualty, Personal Lines - AAI, ARM, CIC, CPCU®​

Note: Applicant must apply for a license within one year of passing the exam.

Adjuster License

This is disclosure for states that do not require an adjuster license:

The Texas Designated Home State (DHS) Adjuster license is available to an individual who is a resident of a state that does not license adjusters. This means you can obtain the Texas Property/Casualty Adjuster license just as a Texas resident adjuster would and complete the Texas bi-annual continuing education requirement. The Texas DHS Adjuster license is highly respected in the industry and can significantly enhance your credibility as an adjuster in your home state.

Kaplan’s online Property/Casualty Adjuster licensing course contains the actual state licensing exam for the Texas DHS Adjuster license; therefore, you can satisfy your Texas prelicensing requirement AND pass the Texas P/C Adjuster state licensing exam without having to leave your home or office. Upon completing the Kaplan course and successfully passing the exam, you can remotely apply for the Texas P/C Adjuster License using the procedures found on the Texas State Requirements page. This will qualify you to adjust in both your home state and numerous other states that accept the Texas DHS Adjuster license, including AL, CT, DE, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, OK, RI, UT, VT, WA, WV, and WY.

Additionally, earning the Texas DHS Adjuster license enables you to adjust with enhanced credibility and industry expertise in CO, DC, IA, IL, KS, MA, MD, MO, ND, NE, PA, NJ, OH, SD, TN, VA, and WI.

Check with the Department of Insurance in your resident state and the states you wish to adjust to see how the Texas PC Adjuster license can be used in those states.


This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.

Select a Line of Authority and Start Earning Your License Today:

Life & Health

This license qualifies you to explain, sell, and write life and health insurance products in New Jersey.


Property & Casualty

This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in New Jersey.

Personal Lines

This license qualifies you to sell a variety of insurance plans directly to consumers in New Jersey.



This license qualifies you to investigate and adjust any claim in connection with an insurance policy in New Jersey.