New Jersey Insurance License Classes Online

Looking for an New Jersey insurance school? XCEL is the nation’s leading online insurance license school. XCEL has you covered with high-quality New Jersey insurance license courses, industry expertise and convenience. All of XCEL's New Jersey courses are approved by the New Jersey Department of Banking and Insurance.

Life and Health

C

Property and Casualty

C

Personal Lines

C

Best Value

Premier
Life and Health

The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.

$299
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators
Online Flashcards

Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics

Recorded Exam Review Class

Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam

Prepared to Pass Promise

We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Standard
Life and Health

A solid foundation to prepare to pass your pre-licensing exam without all the extras. Ideal for those who are self-motivated and will prioritize learning on their own.
$199
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

New Jersey Health Pre-licensing

$199

New Jersey Life Pre-licensing

$199

Life and Health

C

Property and Casualty

C

Personal Lines

C

Best Value

Premier
Property and Casualty

The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.

$299
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators
Online Flashcards

Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics

Recorded Exam Review Class

Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam

Prepared to Pass Promise

We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Standard
Property and Casualty

A solid foundation to prepare to pass your pre-licensing exam without all the extras. Ideal for those who are self-motivated and will prioritize learning on their own.
$199
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Life and Health

C

Property and Casualty

C

Personal Lines

C

Premier
Personal Lines

The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.

$299
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators
Online Flashcards

Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics

Recorded Exam Review Class

Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam

Prepared to Pass Promise

We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Standard
Personal Lines

A solid foundation to prepare to pass your pre-licensing exam without all the extras. Ideal for those who are self-motivated and will prioritize learning on their own.
$199
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

New Jersey State Insurance Licensing Requirements

HOW TO OBTAIN A NEW JERSEY INSURANCE PRODUCER LICENSE

The state of New Hampshire has no formal pre-licensing education requirement however it is recommended as the prelicensing course is designed to prepare candidates for the State Licensing Examination.

Complete the prelicensing course.

  • Life Only – 20 hours
  • Accident & Health Only – 20 hours
  • Casualty Insurance – 20 hours
  • Property Insurance – 20 hours
  • Personal lines – 20 hours

Course requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
  • Assessments on key topics throughout the course and must be successfully passed with a minimum score of 70% before moving onto the next chapter.

Certificate Information:

To be eligible for a Certificate of completion, you must follow several steps:

  • Completion of the course including final exam.
  • Download and Print certificate through the “Transcript” tile on the user dashboard.
  • Certificates are valid for a lifetime.

Schedule the New Jersey State examination.

Online proctored exams:

  • You must check the compatibility of your computer before registering for the exam. https://syscheck.bridge.psiexams.com
  • If your computer is not compatible with the online software, you will need to schedule your examination at PSI test center.

Limitation on repeat examinations:

  • There are no limitations on retaking the exam.

Pass your state exam

  • Take advantage of the cram courses (Prep Review and Exam Simulator) within your prelicensing course during the waiting period.
    • Prep Review Course: This part of the training features content “boiled down to the essence” of the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind”.
  • On the day of testing, you must have the following items:
    • Two Forms of a valid government issued photo id bearing your signature.
    • Certificate of completion – An electronic version or hard copy will be accepted.

Submit your Fingerprints

  • The state of New Jersey requires fingerprinting.
  • Fingerprints must be done at an IdentoGO enrollment center. Register online at https://www.identogo.com or by phone 877-503-5951
  • During online scheduling you will be prompted for either the Producer code: 2F16Y3
  • Fingerprint Fee: $66.05
  • Individuals should not register for a fingerprinting appointment and submit their fingerprints until after they have passed any examination requirements and applied for licensure.

Apply for license

  • After passing the examination use the kiosk at the PSI test site to complete your license application online through NIPR www.nipr.com
  • Application fee $170
  • If you answer “Yes” to a background question on the application, submit your written statement accompanied by corresponding court documents (printouts from a court’s web site are not acceptable) as part of your NIPR electronic license application using the Attachments Warehouse
  • If you need to submit other additional documents as part of your NIPR electronic license application, use the Attachments Warehouse

PSI Exam Outlines

DESCRIPTION Question Count % of Exam Questions
Life Health Life Health
Life Insurance
Type of Policies 9 0 7% 0%
Policy Provisions, Options, Riders and Exclusions 21 0 16% 0%
Completing the Application, Underwriting, and Delivering the Policy 12 0 9% 0%
Taxes, Retirement, and Other Insurance Concepts 8 0 6% 0%
Health Insurance
Types of Policies, Bonds, and Related Terms 23 23 17% 25%
Insurance Terms and Related Concepts 15 15 11% 16%
Policy Provisions 12 12 9% 13%
State Laws, Rules and Regulations
NJ Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance 25 25 19% 27%
NJ Laws, Rules, and Regulations Pertinent to Life and Regulations 8 6% 0%
NJ Laws, Rules, and Regulations Pertinent to Casualty Insurance 16 0% 18%
Total for all parts
Total Scored Questions on Exam 133 91
Maximum Time allowed to complete exam in minutes 210 210 120 120
Passing Score 70 70 70 70
DESCRIPTION Question Count % of Exam Questions
Casualty Property Casualty Property
Casualty Insurance . .
Types of Policies, Bonds, and Related Terms 23 0 25% 0%
Insurance Terms and Related Concepts 15 0 16% 0%
Policy Provisions 12 0 13% 0%
Property Insurance
Types of Policies 0 25 0% 32%
Insurance Terms and Related Concepts 0 14 0% 18%
Policy Provisions and Contract Law 0 11 0% 14%
State Laws, Rules and Regulations
NJ Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance 25 25 27% 32%
NJ Laws, Rules, and Regulations Pertinent to Casualty Insurance 16 0 18% 0%
NJ Laws, Rules, and Regulations Pertinent to Property Insurance 0 4 0% 5%
Total for all parts
Total Scored Questions on Exam 91 79
Maximum Time allowed to complete exam in minutes 210 210 210 210
Passing Score 70 70 70 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Register for exam
3. Pass exam
4. Submit Fingerprints
5. Apply for License

Governing Agency

Name: New Jersey Department of Banking and Insurance Division of Insurance
Phone: 609-292-7272
Website: https://www.nj.gov/dobi/aboutdobi.htm
Address: PO Box 325 Trenton, NJ 08625

Working as an Insurance Agent

Property and Casualty Insurance Agents

What can you expect working as an agent? Property and casualty insurance agents work with clients to help secure policies that protect people and businesses from financial loss.

For individuals many of these events include automobile accidents, fire, theft. For businesses these events can include the same as individuals but can also include workers’ compensation claims, product liability claims, or medical malpractice claims.

Life Insurance Agents

What can you expect from working as an Insurance agent? Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.

Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.

Why Students Choose XCEL

XCEL is the nation’s online insurance education industry leader. We provide you with all the tools and study material you will need to pass the state exam the first time. We understand how people learn and incorporate every detail of our knowledge to help you succeed.

Wide Variety
of Study Options

Our programs offer E-books, videos, simulated state exams, flashcards, review notes, and the best instructor support in the industry.

Proven
System

XCEL offers a unique three-step training program instructionally designed to prepare you to pass the first time.

Pass
Rates

XCEL is the nation’s most trusted provider of test-prep solutions for insurance industry licensing exams. Our courses are built around questions similar to those seen on the exams.

Don’t Delay, Start Today!

View insurance courses below to find out what pre-licensing courses are required for your state.