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199+ Free NJ Life & Health Practice Questions

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Which state agency regulates insurance producers and insurers in New Jersey?

A
B
C
D
to track
2026 Statistics

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.

Sample NJ Life & Health Practice Questions

Try these sample questions to test your NJ Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 199+ question experience with AI tutoring.

1Which state agency regulates insurance producers and insurers in New Jersey?
A.New Jersey Department of Insurance Licensing
B.New Jersey Department of Banking and Insurance (DOBI)
C.New Jersey Insurance Regulation Commission
D.New Jersey Office of Producer Affairs
Explanation: The New Jersey Department of Banking and Insurance (DOBI) is the primary state regulator for insurance licensing, market conduct, and enforcement. On the exam, DOBI authority appears in the common state-law section and producer compliance questions.
2Which testing provider administers New Jersey insurance producer licensing exams?
A.Prometric
B.Pearson VUE
C.PSI Services
D.Castle Worldwide
Explanation: New Jersey uses PSI Services for insurance producer testing. Candidates register through PSI before submitting the producer license application through NIPR and DOBI workflows.
3How many scored items are on New Jersey's Life Producer exam according to the PSI content outline?
A.75
B.83
C.88
D.100
Explanation: The New Jersey Life Producer outline lists 83 items with a 70% passing standard. This is a separate line exam from Accident and Health in New Jersey.
4How many scored items are on New Jersey's Accident and Health Producer exam according to the PSI content outline?
A.79
B.83
C.88
D.100
Explanation: The New Jersey Accident and Health Producer outline lists 88 items with a 70% passing standard. Because NJ tests life and health as separate lines, candidates often prepare for both outlines.
5What minimum passing score is used for New Jersey Life and Accident/Health producer exams?
A.65% correct
B.70% correct
C.75% correct
D.80% correct
Explanation: Both producer-level outlines use a 70% passing standard in New Jersey. Instructor versions use a higher standard, but producer candidates test at the 70% level.
6What testing time is listed for each New Jersey producer line exam (Life or Accident and Health)?
A.2 hours
B.2 hours 30 minutes
C.3 hours
D.3 hours 30 minutes
Explanation: Each New Jersey producer line outline shows 3.5 hours. Candidates taking both lines should plan for two separate test sessions rather than one short combined exam.
7According to current NJ DOBI licensing FAQ guidance, what is the PSI examination fee per insurance producer exam?
A.$38
B.$42
C.$47
D.$60
Explanation: DOBI's producer licensing FAQ lists the PSI exam fee as $47 per exam. Candidates pursuing both life and accident/health lines should budget for each testing appointment separately.
8How many approved prelicensing education hours are required for combined New Jersey Life and Accident/Health authority?
A.20 hours total
B.30 hours total
C.40 hours total
D.60 hours total
Explanation: New Jersey generally requires 20 hours per line, so Life plus Accident/Health totals 40 hours. This requirement is tied to DOBI-approved education providers before testing.
9Which set of professional designations is listed by New Jersey as potentially qualifying for a prelicensing education waiver?
A.CPA, CFA, and CIMA
B.CLU, ChFC, FLMI, and CIC
C.Series 6 and Series 7
D.RHU and REBC only
Explanation: DOBI waiver guidance lists designations such as CLU, ChFC, FLMI, and CIC for waiver consideration. A waiver can reduce education burden, but applicants still must complete the required licensing and filing steps.
10What is the minimum age to be licensed as an insurance producer in New Jersey?
A.16
B.18
C.19
D.21
Explanation: New Jersey requires producer applicants to be at least age 18. This eligibility rule is a basic licensing checkpoint before appointment and authority to transact insurance.

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

29%

Life National Content

Life policy types, provisions, riders, underwriting, beneficiaries, and annuity fundamentals from the Life Producer outline (50 scored items)

29%

Health National Content

Health policy types, provisions, disability, medical plans, and social insurance concepts from the A&H outline (50 scored items)

29%

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)

12%

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

1Treat NJ as a two-exam path and plan study blocks separately for Life and A&H
2Memorize logistics early: Life 83 items, A&H 88 items, 3.5 hours each, 70% passing, and $47 per exam
3Prioritize New Jersey common law because it carries 25 scored items on both outlines
4Drill replacement and annuity recommendation scenarios using NJ wording and producer-conduct standards
5Use timed mixed sets to build endurance for long exam sessions and citation-based law questions

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.