Free New Jersey Life & Health Exam Prep
New Jersey Life, Accident, and Health Insurance
Pass your New Jersey Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.
Quick Facts
New Jersey Life & Health Insurance License: Complete Roadmap
Follow this path to maximize your chances of passing on the first try
Complete Pre-License Education
Enroll in DOBI-approved 40-hour pre-license course (20 hours Life + 20 hours A&H). Must include 3 hours of ethics. Certificate valid for 2 years after completion.
Life Insurance & AnnuitiesYou are here
Master life insurance products (term, whole, universal, variable), annuities (fixed, variable, indexed), policy provisions, beneficiaries, and New Jersey replacement regulations.
Accident & Health Products
Study medical expense insurance, individual and group health plans, disability income, long-term care, Medicare Supplement, and New Jersey health insurance regulations.
New Jersey Laws & Regulations
Focus on New Jersey-specific content: DOBI regulations, NJ Insurance Code (Title 17B), NJLHIGA guaranty association, unfair trade practices, and producer licensing requirements.
Can You Take the New Jersey Life & Health Exam?
Check if you meet the basic eligibility requirements
- •Pre-license education must include 3 hours of ethics coursework
- •Must pass pre-license final exam with 70% or higher to receive certificate
- •Pre-license certificates valid for 2 years from completion date
- •Must be a resident of New Jersey to apply
- •Remote testing available via PSI Bridge platform
- •CE requirements: 24 hours per 2-year period (including 3 hours ethics)
Free New Jersey Life & Health Prep That Actually Works
The official pass rate is ~60-65% (first attempt). Our students do better.
500+ 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
What You'll Study
7 chapters covering everything you need to pass
Introduction: New Jersey Life & Health Insurance Exam Overview
1 sections
Chapter 1: New Jersey Insurance Regulation & Licensing
3 sections
Chapter 2: New Jersey Life Insurance Laws
3 sections
Chapter 3: New Jersey Health Insurance Laws
3 sections
Chapter 4: New Jersey Insurance Ethics & Prohibited Practices
3 sections
Chapter 5: New Jersey Advanced Annuity Regulations
3 sections
Chapter 6: New Jersey Group Insurance & Special Topics
3 sections
New Jersey Life & Health-Specific Topics Covered
10 free AI interactions per day
New Jersey Life & Health Exam Details
New Jersey Life, Accident, and Health Insurance
Administered by New Jersey Department of Banking and Insurance (DOBI)
Exam Content Breakdown
Based on the official New Jersey Department of Banking and Insurance (DOBI) content outline
~17 questions: Risk management, contract law, policy provisions
~22 questions: Term, whole, universal life, policy features
~10 questions: Annuity types, taxation, suitability requirements
~18 questions: Medical expense, disability, LTC, Medicare Supplement
~7 questions: Group life, group health, COBRA, HIPAA
~9 questions: DOBI regulations, NJLHIGA, unfair practices, licensing
What's Included
7 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
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.
What's Next After the New Jersey Life & Health?
After passing the New Jersey Life & Health, you can pursue these career paths
New Jersey Life & Health Exam FAQ
Official New Jersey Department of Banking and Insurance (DOBI) Resources
Verify information with these official sources
More Free Resources
Ready to Start Your Free New Jersey Life & Health Prep?
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