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Free NJ L&H Exam Prep

New Jersey Life & Health Insurance

Pass your NJ L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Quick Facts

7
Chapters
19
Sections
$0
Our Cost
Updated January 2026

New Jersey Life & Health Insurance

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Life and Health Insurance Study Guide 2025-2026: All In One Life and Health Insurance License Exam Prep. With Life and Health Insurance Exam Review Material and 645 Practice test Questions

$39.99 · Buy on Amazon

Flashcards on Mometrix
Your Study Path

New Jersey Life & Health Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

Memorize NJ Exam Logistics and Blueprint WeightingYou are here

Lock in line-by-line facts first: Life 83 items, A&H 88 items, 3.5 hours each, 70% passing score, and $47 fee per exam.

14
hours
2

Master NJ Common Law and Producer Regulation

Prioritize common state law tested on both lines, including DOBI authority, producer licensing duties, CE, unfair practices, and disciplinary triggers.

24
hours
3

Build Life and Annuity Depth

Drill life policy mechanics, required provisions, replacement workflows, and annuity recommendation standards under NJ law.

24
hours
4

Build Health, Disability, and Claims Depth

Cover health policy structures, disability concepts, Medicare supplement/LTC basics, and New Jersey health-claims processing requirements.

24
hours
5

Run Timed Dual-Line Simulations

Use full timed sets for each line exam and review misses by statute family (Title 17/17B law vs Title 11 regulation).

20
hours
Estimated total study time
106 hours
That's about 11 weeks at 10 hours/week

Can You Take the NJ L&H Exam?

Check if you meet the basic eligibility requirements

Age
At least 18 years old
Education
DOBI guidance generally requires 20 prelicensing hours per line (40 total for Life + A&H)
Background Check
Background review and other suitability checks apply during producer licensing processing
Additional Requirements
  • •Pass the NJ Life Producer and/or NJ Accident & Health Producer exam at 70%
  • •Each exam appointment is 3 hours 30 minutes with separate $47 fees
  • •Complete producer licensing filing and appointment requirements through NJ DOBI/NIPR
  • •Maintain producer license through New Jersey continuing-education and renewal standards

NJ L&H Quick Facts

Time to Get Licensed

4-8 weeks for one line; 6-10 weeks for both lines

From start to license in hand

Exam Provider

PSI

In-Person Only
Schedule Your Exam

Retake Policy

Retakes are scheduled through PSI under current New Jersey program rules; verify current attempt timing when booking.

Total Cost Breakdown

Exam Fee$47 per exam
Application FeeState licensing filing and transaction fees apply separately
Total Estimated Cost$94+ for both exam appointments, plus application and compliance costs
Why Choose Us

Free NJ L&H Prep That Actually Works

The official pass rate is Not publicly published by NJ DOBI/PSI. Our students do better.

200+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

$0 Forever

No credit card, no trial, no upsells

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What You'll Study

7 chapters covering everything you need to pass

1

Introduction: New Jersey Life & Health Insurance Exam Overview

1 sections

2

Chapter 1: New Jersey Insurance Regulation & Licensing

3 sections

3

Chapter 2: New Jersey Life Insurance Laws

3 sections

4

Chapter 3: New Jersey Health Insurance Laws

3 sections

5

Chapter 4: New Jersey Insurance Ethics & Prohibited Practices

3 sections

6

Chapter 5: New Jersey Advanced Annuity Regulations

3 sections

7

Chapter 6: New Jersey Group Insurance & Special Topics

3 sections

NJ L&H-Specific Topics Covered

NJ DOBI regulatory authority and producer licensing administrationTitle 17/17B statutes versus Title 11 administrative regulations distinctionHigh-weight NJ common law section (25 scored items on each line exam)Producer conduct, unfair trade practices, and disciplinary groundsLife replacement and annuity recommendation compliance dutiesA&H state-law topics including New Jersey disability and health-claims processing referencesDOBI prelicensing standards (20 hours per line) and CE maintenance expectations2024 annuity compensation-disclosure update referenced in NJ producer guidance
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NJ L&H Exam Details

New Jersey Life & Health Insurance

Administered by New Jersey Department of Banking and Insurance (DOBI) / PSI Services

Official Source
70%
Passing Score
Life
Questions
3
Hours
$47 per exam ($94 for both Life + A&H)
Exam Fee
Study time: 70-110 hours for both lines
Prerequisites: Resident candidates complete DOBI prelicensing requirements (20 hours per line), pass the relevant PSI exam(s), and file for licensure through NJ DOBI/NIPR workflows

Exam Content Breakdown

Based on the official New Jersey Department of Banking and Insurance (DOBI) / PSI Services content outline

Life Producer National Content29%

Life policy types, policy provisions/riders, underwriting, beneficiaries, and annuity fundamentals (50 of 171 scored combined items)

A&H Producer National Content29%

Health policy structures, provisions, disability, medical plans, social insurance, and underwriting concepts (50 of 171 scored combined items)

NJ Common Insurance Law and Regulation29%

DOBI authority, producer licensing, CE, unfair trade practices, and producer conduct (25 scored items on each line exam)

NJ Line-Specific Law12%

Life-specific NJ law (8 items) plus A&H-specific NJ law (13 items), including replacement and health-claims compliance areas

What's Included

7 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

Connect with Ran

What's Next After the NJ L&H?

After passing the NJ L&H, you can pursue these career paths

Life & Health

Strengthen national life and health fundamentals first

New Jersey Property & Casualty

Add NJ property and casualty authority for broader producer scope

NJ L&H Exam FAQ

Official New Jersey Department of Banking and Insurance (DOBI) / PSI Services Resources

Verify information with these official sources

NJ DOBI Producer Licensing FAQPSI New Jersey Candidate BulletinNJ Life Producer Content OutlineNJ Accident and Health Producer Content OutlineNIPR New Jersey Requirements

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