New Jersey State Requirements


Required Continuing Education Hours

Life and Health Producers

24 CE hours, including 3 hours of ethics, are required every 2-year license term.

Annuity Training

Before selling, soliciting, or negotiating annuity products in New Jersey, producers must complete a one-time annuity training course approved for at least 4 hours.

Long-Term Care (LTC)

  • Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in New Jersey, producers must complete an initial 8-hour, NAIC LTC training course.

  • Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of state-approved LTC training every 24-month period following the completion of the initial training.

Property and Casualty Producers

24 CE hours, including 3 hours of ethics, are required every 2-year license term.

Flood Insurance

Licensees who write flood insurance must complete a one-time 3-hour training class on flood insurance and the National Flood Insurance Program.

Public Adjusters

All Public Adjusters initially licensed after July 4, 2011, as well as all Public Adjusters who are renewing a license that has transitioned into a 2 year license, must fulfill 15 CE hours every 2 year license term.

Nonresident CE Requirements

If a licensee has not taken a NAIC LTC training course in another state, the nonresident producer selling LTC in New Jersey must comply with the New Jersey LTC training requirements:

Annuity Training

  • Before selling, soliciting, or negotiating annuity products in New Jersey, producers must complete a one-time annuity training course approved for at least 4 hours.

Long-Term Care (LTC)

  • Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in New Jersey, nonresident producers must complete an initial 8-hour, NAIC LTC training course approved in any licensed state.

  • Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, nonresident producers must complete 4 hours of state-approved LTC training every 24-month period following the initial training and every 24 months thereafter.

  • Non-resident public adjusters who satisfy the public adjuster requirement in their resident state will be deemed compliant for the New Jersey public adjuster requirement.

Nonresident licensees can renew their licenses online here.

License Term

To check your renewal date, click here and look up your continuing education transcript.

Producers: The license term will expire at the end of the birth month every other year.

Public Adjusters: For both new and existing adjusters, licenses issued or renewed on or after July 4, 2011, will renew the last day of the adjuster's birth month every other year. The license term will expire at the end of the birth month in the year that will result in a license term at least 18 months in duration.

Example: If your license renews effective August 1, 2011, and your birth month is September, you will be issued a renewal license that expires on September 30, 2013. Before you can renew in 2013, you must complete 15 hours.

CE Subject Requirements

There are no category restrictions in New Jersey. Any course approved for CE in New Jersey may be taken for credit.

Producers can take online, monitor-free courses or online or paper-based self-study.

For self-study courses, students should read the course material prior to taking a closed-book, proctored final exam. For online, monitor-free courses, no final exam is required, but students must take and pass a series of interactive quizzes throughout the course with a minimum score of 70 percent for each interactive quiz.

Final Exam Requirements

Exam Proctor Requirements

Online or paper-based self-study final exams are required to be proctored by a disinterested third party, any impartial person who does not have a financial interest in the outcome of the examination. The monitor cannot be related (by family) to the student.

Exam Rules

Self-study final exams are closed book. Producers may not refer to the course material while the exam is in progress. The final exam must be passed with a score of 70 percent or higher to receive credit. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.

CE Carryover Allowance

No excess CE credit hours may be carried over to the next 2-year license term.

Course Repetition Rules

Courses may not be taken for credit more than once in a license term. This rule applies to any variation of course types (self-study, classroom equivalent, etc.)

Certificate of Completion

AOIS provides online, printable certificates of completion in New Jersey. Certificates of completion are available to print online immediately after the final exam is passed. The licensee must keep a copy of each certificate of completion in his or her files for a minimum of 5 years.

License Renewal Process

  • Resident producers can renew their licenses online here.

  • Nonresident producers can renew their licenses online here.

CE Exemptions

The following are exempt from New Jersey CE requirements:

  • Nonresident licensees in good standing with their home states are exempt from New Jersey CE requirements.

  • Nonresident licensees who completed a NAIC LTC training course in another state are exempt from taking the special training requirement in New Jersey.

Useful Links

Look up license number

View your CE transcript

Renew your resident license online

Renew your nonresident license online

New Jersey DOBI Web site

PSI Services, LLC Contact Information

PSI Services, LLC
Phone: 877-5-CONTED (877-526-6833)
Fax: 702-932-2666
Email: ce@psionline.com

State Contact Information

New Jersey Department of Banking and Insurance
Phone: (609) 292-4337 or (609) 633-0818 ext. 50552
Fax: (609) 984-5263
Email: inslic@dobi.state.nj.us

Mailing Address:
20 W State St P.O. Box 325
Trenton, NJ 08625


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