200+ Free NJ Life & Health Practice Questions
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Key Facts: NJ Life & Health Exam
83 + 88
Scored Items
PSI NJ Life and A&H producer outlines
3h 30m each
Time Limit
PSI NJ content outlines
70%
Passing Score
PSI NJ content outlines
$47
Fee Per Exam
NJ DOBI producer licensing FAQ
20 hrs/line
Prelicensing
NJ DOBI producer licensing FAQ
25 items/line
NJ Common Law Weight
PSI NJ life and A&H blueprint sections
As of February 27, 2026, New Jersey's PSI outlines list Life Producer at 83 scored items and Accident and Health Producer at 88 scored items, each with a 3.5-hour time limit and 70% passing score. DOBI's licensing FAQ lists the exam fee at $47 per exam and prelicensing at 20 hours per line (40 hours for both lines). New Jersey's law-heavy blueprint gives 25 state common-law items on each line, so regulatory preparation has equal weight to national product content.
About the NJ Life & Health Exam
New Jersey producer candidates usually test in two separate lines: Life Producer (83 scored items) and Accident and Health Producer (88 scored items). Both lines include significant state-law weighting on DOBI licensing rules, producer conduct, unfair practices, and New Jersey-specific life and health statutes.
Questions
171 scored questions
Time Limit
3 hours 30 minutes per line exam
Passing Score
70%
Exam Fee
$47 per exam (New Jersey Department of Banking and Insurance (DOBI) / PSI Services)
NJ Life & Health Exam Content Outline
Life National Content
Life policy types, provisions, riders, underwriting, beneficiaries, and annuity fundamentals from the Life Producer outline (50 scored items)
Health National Content
Health policy types, provisions, disability, medical plans, and social insurance concepts from the A&H outline (50 scored items)
NJ Common Law and Regulation
DOBI authority, producer licensing, appointments, CE, fiduciary duties, unfair practices, and general New Jersey insurance law (25 scored items on each line exam)
NJ Line-Specific Law
Life-specific New Jersey statutes (8 items) and health-specific New Jersey statutes (13 items), including replacement and health-claims compliance topics
How to Pass the NJ Life & Health Exam
What You Need to Know
- Passing score: 70%
- Exam length: 171 questions
- Time limit: 3 hours 30 minutes per line exam
- Exam fee: $47 per exam
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
NJ Life & Health Study Tips from Top Performers
Frequently Asked Questions
Is there one combined New Jersey life-and-health exam?
New Jersey generally tests Life Producer and Accident and Health Producer as separate line exams. Most resident candidates pursuing both authorities complete both exams instead of one combined single-score test.
How many questions are on New Jersey's life and health producer exams?
The current PSI outlines list 83 scored items for Life Producer and 88 scored items for Accident and Health Producer. Together, that is 171 scored items across both lines.
What are the New Jersey passing score, time limit, and exam fee?
Each line exam uses a 70% passing score and a 3 hour 30 minute time limit. DOBI's producer licensing FAQ lists the PSI exam fee as $47 per exam.
What prelicensing education does New Jersey require?
DOBI guidance states 20 approved prelicensing hours per line of authority. Candidates pursuing both life and accident/health typically complete 40 total hours before testing.
What New Jersey law areas are most important?
State common law is heavily weighted with 25 scored items on each line exam. Focus on DOBI licensing rules, producer conduct, unfair trade practices, replacement, annuity recommendation standards, and New Jersey health-claims compliance requirements.