New Jersey Overview
New Jersey licenses producers through the Department of Banking and Insurance (DOBI), but DOBI runs no state licensing portal of its own — resident and non-resident applications, renewals, and appointment filings all go through NIPR, with a paper option filed directly with the Department. PSI Services is the exam vendor rather than Pearson VUE. Resident applicants (and any officer, director, or 10%+ owner of a resident business entity) must be fingerprinted through the state's Live Scan service; non-residents are exempt. Licenses run on a two-year cycle tied to the licensee's birth month.
How to get a New Jersey insurance license
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Complete prelicensing education
New Jersey requires 20 hours of state-approved prelicensing education for each line of authority you're applying for (life, accident and health, property, casualty, and personal lines). Use one of DOBI's approved education providers.
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Register for and pass the licensing exam
New Jersey uses PSI Services as its exam vendor, not Pearson VUE. You need a 70% score to pass, and your result stays valid for 12 months, after which you'd need to retest before applying.
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Complete fingerprinting (residents only)
New Jersey residents must be fingerprinted through the state's Live Scan electronic fingerprinting service, coordinated through IdentoGO. Non-resident applicants are exempt.
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Apply for your license
The fastest path is to apply through InsureTrek — we file your New Jersey application for the state's fee, pulled from NIPR at the moment of application.
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Check your license status
Once approved, verify or print proof of your license through the NJDOBI Licensee Search or NIPR's Producer Database.
Prelicensing education
Life: 20 hours Accident and Health: 20 hours Property: 20 hours Casualty: 20 hours Personal Lines: 20 hours Applicants holding certain approved professional designations, or non-residents licensed in good standing in a reciprocal home state, may qualify for a waiver — file DOBI's prelicensing education waiver application before you register for the exam.
Exam
Vendor: PSI. Exam fee: $47.
Fingerprinting
Required. Vendor: IdentoGO (Live Scan). Required for residents only, along with any officer, director, or 10%+ owner of a resident business entity applying for licensure. Non-residents are exempt.
New Jersey insurance license fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident producer license — major lines Covers Life, Accident & Health, Property, Casualty, Personal Lines, Variable Life/Variable Annuity, Surplus Lines, and Title. This is the state fee for filing through NIPR; DOBI's own paper-filing schedule adds a separate processing charge on top. | $170 | $170 |
| Resident producer license — limited lines | $95 | $95 |
| Business entity (agency) license — major lines DOBI's paper fee schedule: a $150 license fee plus $40 processing to apply, $150 plus $20 processing to renew. | $190 | $170 |
| Public adjuster license | $70 | $50 |
| Non-resident producer license, major lines Limited lines are $95 to apply and $75 to renew. | $170 | $150 |
Fees as of 2026-08-21. Fees change without much notice. When you apply through InsureTrek, we always use the current fee at the moment of application. Sources: NIPR – New Jersey Resident Licensing (Individual) , NJDOBI – Insurance license fee schedule , NIPR — New Jersey Non-Resident Licensing, Individual , NIPR — New Jersey Non-Resident Renewal, Individual
New Jersey insurance license renewal
Renewal window — New Jersey licenses renew every two years, by the last day of your birth month.
Grace period: Late renewal is allowed within one year of expiration if you've completed your CE, for an additional $100 fee on major lines or $50 on limited lines. Miss that window and you'll need to apply as a new licensee, including retaking the exam.
At least 12 of the 24 hours must be classroom or classroom-equivalent (interactive, remote-video format counts). One ethics hour can be swapped for an insurance fraud course. You can't repeat the same course for credit within a compliance cycle, and all CE has to be completed before you submit your renewal.
24 total CE hours per renewal term , including 3 ethics hours .
Limited lines producers are exempt from CE. Non-resident producers in good standing in their home state, or who've met the NAIC's non-resident CE exemption, don't owe New Jersey CE either.
| Line | Hours | Notes |
|---|---|---|
| Long-Term Care (initial) | 8 | — |
| Long-Term Care (ongoing) | 4 | — |
| Flood | 3 | — |
| Annuity Best Interest (new licensees) | 4 | — |
Non-resident insurance license in New Jersey
New Jersey issues non-resident producer licenses to applicants who hold an active license in good standing in their home state for the same lines, applying through InsureTrek for $170 on major lines or $95 on limited lines, and exempts them from its own prelicensing education, exam, and fingerprinting requirements under Gramm-Leach-Bliley reciprocity. Non-resident producers who've met their home state's CE, or the NAIC's non-resident CE exemption, don't owe New Jersey CE on top of it.
Apply for a non-resident New Jersey license through InsureTrek , plus the state fee.
For the steps and fees in every state, see the non-resident insurance license guide .
For agencies
Agencies, appointments & DRLP
Agency licenses are filed the same way as individual licenses, for the same $150 license fee plus processing. Every agency needs at least one Designated Responsible Licensed Producer (DRLP) holding an active New Jersey resident or non-resident license covering all the lines the agency writes; a resident entity's officers, partners, and any owner of 10% or more must also be fingerprinted.
Insurers must file a notice of appointment naming the producer and any limits on their authority before the producer transacts business on the company's behalf, under N.J.S.A. 17:22A-42. Appointments and terminations are filed through NIPR's appointment system or on a DOBI paper form, for a $35 fee per company per transaction.
Appointments — Deadlines: Termination notices are due within 15 days of the agency contract's cancellation. The appointment doesn't legally end until DOBI receives that notice, so a producer can remain appointed on paper after the working relationship ends if the carrier is late filing.
Managing DRLPs across states? See how InsureTrek handles it →
Official resources
- New Jersey Department of Banking and Insurance — licensing
- DOI phone: 609-292-7272
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-09-06. Requirements change — verify current rules with the New Jersey Department of Banking and Insurance or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- ExamFX – New Jersey prelicensing requirements — accessed 2026-08-19
- Kaplan Financial Education – New Jersey CE requirements — accessed 2026-08-19
- N.J.S.A. 17:22A-42 – Appointment of agents — accessed 2026-08-19
- NIPR – New Jersey Non-Resident Licensing (Individual) — accessed 2026-09-06
- NIPR – New Jersey Resident Licensing (Business) — accessed 2026-08-19
- NIPR – New Jersey Resident Licensing (Individual) — accessed 2026-08-19
- NJDOBI – Insurance license fee schedule — accessed 2026-08-19
- NJDOBI – Insurance Licensing and Education — accessed 2026-08-19
- NJDOBI – Insurance Producer Licensing FAQ — accessed 2026-08-19