Free NJ L&H Exam Prep
New Jersey Life & Health Insurance
Prepare for the NJ L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
Quick Facts
Study guide on MometrixExplore More Life & Health Insurance
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New Jersey Life & Health Insurance License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
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.
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.
Build Life and Annuity Depth
Drill life policy mechanics, required provisions, replacement workflows, and annuity recommendation standards under NJ law.
Build Health, Disability, and Claims Depth
Cover health policy structures, disability concepts, Medicare supplement/LTC basics, and New Jersey health-claims processing requirements.
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).
Can You Take the NJ L&H Exam?
Check if you meet the basic eligibility 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
Retake Policy
Retakes are scheduled through PSI under current New Jersey program rules; verify current attempt timing when booking.
Total Cost Breakdown
Free NJ L&H Prep Tools
Reported exam pass rate: Not publicly published by NJ DOBI/PSI. Check the exam sponsor for the latest official figure.
624+ Practice Questions
Practice by topic with detailed answer explanations
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
Review the latest update date on each resource
$0 Forever
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What You'll Study
26 chapters covering the exam topics in this guide
Standalone Coverage Map
1 sections
Introduction: New Jersey Life & Health Insurance Exam Overview
1 sections
National Portion: Insurance & Risk Fundamentals
5 sections
National Portion: Life Insurance Basics
4 sections
National Portion: Interest-Sensitive & Variable Life
4 sections
National Portion: Life Policy Provisions & Options
4 sections
National Portion: Life Riders & Underwriting
4 sections
National Portion: Annuities - Structure & Types
4 sections
National Portion: Annuities - Payout, Uses & Suitability
3 sections
National Portion: Life & Annuity Taxation, Group, and Retirement
4 sections
National Portion: Health Insurance Basics
4 sections
National Portion: Disability Income Insurance
4 sections
National Portion: Health Policy Provisions & Clauses
4 sections
National Portion: Group Health & Employer Plans
4 sections
National Portion: Senior & Government Health Programs
4 sections
National Portion: Long-Term Care & Supplemental Health
4 sections
National Portion: Affordable Care Act & Individual Market
3 sections
National Portion: Underwriting, Producers & Claims
3 sections
National Portion: Insurance Regulation & Licensing
3 sections
National Portion: Ethics & Unfair Trade Practices
3 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
NJ L&H-Specific Topics Covered
NJ L&H Exam Details
New Jersey Life & Health Insurance
Administered by New Jersey Department of Banking and Insurance (DOBI) / PSI Services
Exam Content Breakdown
Based on the official New Jersey Department of Banking and Insurance (DOBI) / PSI Services content outline
Life policy types, policy provisions/riders, underwriting, beneficiaries, and annuity fundamentals (50 of 171 scored combined items)
Health policy structures, provisions, disability, medical plans, social insurance, and underwriting concepts (50 of 171 scored combined items)
DOBI authority, producer licensing, CE, unfair trade practices, and producer conduct (25 scored items on each line exam)
Life-specific NJ law (8 items) plus A&H-specific NJ law (13 items), including replacement and health-claims compliance areas
What's Included
26 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 NJ L&H?
After passing the NJ L&H, you can pursue these career paths
NJ L&H Exam FAQ
Official New Jersey Department of Banking and Insurance (DOBI) / PSI Services Resources
Verify information with these official sources
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