PassProfessor’s New Jersey program is part of the expanding PassProfessor catalog. The 9,667-question New Jersey practice bank is built and audited, and enrollment opens as the catalog expands. Join the notify list and we will email you when enrollment opens — then use this guide to plan your path to the exams.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
The New Jersey P&C exams, in one paragraph
New Jersey does not have a combined property and casualty exam. It licenses Property and Casualty as separate lines of authority for insurance producers, and each line has its own PSI examination: the Property Producer exam, built on a 79-question content outline, and the Casualty Producer exam, built on a 91-question content outline. Both are administered by PSI Services LLC for the New Jersey Department of Banking and Insurance, both allow 3.5 hours, and each is passed separately with a score of 70%. Before either exam, New Jersey requires pre-licensing education — 20 hours for Property and 20 hours for Casualty (40 hours for the combined course of study) from a Department-approved provider — and you must bring your completion certificate to the test center. After passing, you complete Live Scan fingerprinting and apply for the license, and your passing score remains usable for one year.
Who can take the New Jersey P&C exams?
The Department of Banking and Insurance sets the licensing qualifications, and the PSI bulletin states the resident-producer requirements this way. To be licensed as a resident insurance producer, an applicant must:
- Be a resident of New Jersey — or, if a nonresident, have his or her principal place of business in New Jersey.
- Be at least 18 years old (N.J.S.A. 17:22A-32(a)(1)).
- Be trustworthy, competent, financially responsible, and of good personal and business reputation, in the bulletin’s wording, and not have committed an act that is a ground for denial, suspension, or revocation under the Insurance Producer Licensing Act.
- Complete pre-licensing education at a New Jersey-approved provider, fulfilling the minimum hours leading to a certificate of completion (see below). The bulletin notes that pre-licensing education course completion certificates never expire.
- Pass the licensing examination(s) administered by PSI for the line or lines sought.
- Submit fingerprints and written consent for a criminal history record check (see §5).
The pre-licensing education requirement, exactly. This is the step candidates most often misunderstand in New Jersey, because many states have dropped it. New Jersey has not. The Department’s producer FAQ lists the mandatory hours:
| Line of authority | Required pre-licensing hours |
|---|---|
| Property | 20 hours |
| Casualty | 20 hours |
| Combined Property and Casualty | 40 hours |
| Personal Lines (for comparison) | 20 hours |
All individuals applying for a resident producer license for Property or Casualty who do not qualify for a waiver must complete the course from an approved insurance education provider; approved providers may offer the courses in a classroom setting or in self-study format, and the Department publishes the approved-provider listing on its website. The sequence the Department itself prints is: (1) pre-licensing education, (2) testing, (3) fingerprinting, (4) online or paper application.
Two consequences at the test center follow directly. First, PSI’s identification rules require Property and Casualty candidates to present, on exam day, a pre-licensing education course completion certificate — an electronic version or a hard copy is accepted — or a waiver issued by the Department. A candidate who presents neither is denied admission, counted absent, and forfeits the exam fee. Second, on a retake, your failing score report may be presented in place of the certificate or waiver.
Waivers and exemptions. The bulletin provides that the Department will waive the pre-licensing education requirement for qualifying individuals holding an approved insurance designation; the approved-designation list is published on the Department’s website, and the Department’s waiver form governs applications. Separately, the bulletin states that individuals who currently hold a resident producer license in another state, or who held one actively during the preceding ninety days, are exempt from qualifying for a resident New Jersey license by education and examination where the statutory conditions are met (currently licensed in good standing in that state, or application received within 90 days of the cancellation of the previous license, with the authority considered in good standing when it terminated). If either route might apply to you, confirm your status with the Department before registering for an exam — a waiver request made after you have paid for a sitting does not refund it.
Temporary work authority — not a substitute for the exams. Passing candidates for Property and Casualty (along with Personal Lines, Title, Surplus Lines, Life, and Health) are evaluated at the test center for qualification for a temporary work authority, based on their responses to screening questions developed by the Department. The bulletin warns applicants to be extremely careful answering those screening questions, because once confirmed, the answers cannot be changed. Qualified applicants receive the temporary work authority immediately following completion of the examination; it allows the individual to transact insurance-related business for 60 days from the exam date while under the supervision of a current licensed producer. It is a bridge to the permanent license, not a license itself, and candidates who pass but do not qualify receive a notice explaining why, and proceed straight to the permanent application.
The exams, piece by piece
Both exams are computer-delivered multiple-choice examinations built from PSI’s New Jersey content outlines (effective July 7, 2011, and linked from the current bulletin). Each outline has the same architecture: three general-knowledge sections on the line itself, then a New Jersey-law section common to Life, Accident and Health, Property, and Casualty insurance, then a shorter New Jersey-law section pertinent to that line only. The law sections are where the two exams converge and diverge — the 25-question common section is identical in both outlines, while the pertinent sections test entirely different New Jersey material.
Property Producer exam — 79 questions
| Section | Questions | What it covers |
|---|---|---|
| General knowledge — Property | ||
| I. Types of Policies | 25 | Personal lines, commercial lines, inland marine, and other property policy forms — what each covers and excludes |
| II. Insurance Terms and Related Concepts | 14 | Insurance, insurable interest, risk, hazard, peril, loss, proximate cause, valuation, coinsurance, cancellation and nonrenewal concepts, liability and negligence vocabulary |
| III. Policy Provisions and Contract Law | 11 | Declarations, insuring agreements, conditions, exclusions, duties of the insured, mortgagee rights, proof of loss, appraisal, subrogation, contract elements, binders, the Fair Credit Reporting Act |
| New Jersey laws, rules, and regulations | ||
| IV. Common to Life, Accident and Health, Property, and Casualty Insurance | 25 | State regulatory jurisdiction; definitions; licensing; trade practices; fraud; ethics; information privacy |
| V. Pertinent to Property Insurance Only | 4 | New Jersey Insurance Underwriting Association (FAIR Plan); cancellation/nonrenewal; surplus lines; coastal properties and hurricane risk; commercial insurance deregulation |
| Total | 79 |
Casualty Producer exam — 91 questions
| Section | Questions | What it covers |
|---|---|---|
| General knowledge — Casualty | ||
| I. Types of Policies, Bonds, and Related Terms | 23 | Commercial general liability; personal and business auto; workers’ compensation and employers liability concepts; crime; surety bonding; professional liability; umbrella and excess liability |
| II. Insurance Terms and Related Concepts | 15 | Risk, hazard, indemnity, insurable interest, negligence and liability concepts, burglary/robbery/theft vocabulary, binders, warranties and representations, limits of liability, certificates of insurance |
| III. Policy Provisions | 12 | Declarations, insuring agreements, conditions, exclusions, duties after a loss, cancellation and nonrenewal provisions, proof of loss, arbitration, subrogation, claims-made policy form, loss settlement |
| New Jersey laws, rules, and regulations | ||
| IV. Common to Life, Accident and Health, Property, and Casualty Insurance | 25 | The identical common block as the Property exam: regulatory jurisdiction; definitions; licensing; trade practices; fraud; ethics; information privacy |
| V. Pertinent to Casualty Insurance Only | 16 | Auto insurance (including personal injury protection and the Personal Automobile Insurance Plan); workers’ compensation; commercial insurance deregulation; cancellation and nonrenewal; surplus lines; certificates of insurance |
| Total | 91 |
Four structural facts that shape how you should prepare:
- New Jersey law is 29 of 79 questions on Property (about 37%) and 41 of 91 on Casualty (about 45%). Across the pair, 70 of 170 questions are state law. No national textbook prepares you for that share; the common block alone — licensing rules, trade practices, fraud, ethics — is larger than any single general section on either exam.
- The common block is shared; the pertinent blocks are not. Master section IV once and it pays on both sittings. Section V must be studied twice, differently: the FAIR Plan and coastal/hurricane risk on the Property side; New Jersey’s auto system and workers’ compensation on the Casualty side.
- Each exam is scored on its own. There is one result per sitting. Nothing carries over — a 90% on Casualty does not soften a 68% on Property.
- The general halves are evenly matched. Each exam carries exactly 50 general-knowledge questions, and in each the Types of Policies section is the largest single block (25 Property, 23 Casualty). Policy forms are the center of gravity of the general material on both exams.
Experimental questions. In addition to the number of examination items specified in the outlines, PSI states that a small number of 5 to 19 “experimental” questions may be administered during an examination. These questions are not scored; PSI describes their administration as an essential step in developing future licensing examinations. You cannot tell an experimental question from a scored one, so the only workable strategy is the standing one: answer every question as if it counts.
A note on the outlines’ numbering. PSI prints the two outlines’ general-section numbering inconsistently — the Property outline numbers its sections I., 2., and 3.0, while the Casualty outline prints I.0, 2.0, and 3.0 — and the laws sections are numbered 4.0 and 5.0 in both. That is the outlines as published, not an error in this guide, and study materials (including ours) that tag questions by outline section preserve the printed wording.
The passing standard, explained
You pass each exam with a score of 70%.
The bulletin describes the reporting mechanics plainly. Your score is displayed on screen at the end of the examination, and a score report is emailed to you; you may also print the score report from your online PSI account. If you do not pass, the emailed score report includes a diagnostic report indicating your strengths and weaknesses by examination type — the document a retake plan should be built from, and the same document that, on a retake, can be presented at check-in in place of your education certificate or waiver.
Three practical consequences:
- 70% is a per-exam line. With two sittings there are two lines, and both must be cleared independently to hold both lines of authority. Budget your preparation so the second exam is not an afterthought to the first.
- Your result is immediate at the test center or on screen remotely — there is no waiting period for scores, which is why the retake clock (see §6) can move as fast as it does.
- The score’s useful life is one year. The bulletin states that score reports are valid for one (1) year only. Passing is therefore the start of a deadline, not the end of the process: fingerprinting and the license application must be completed inside that year (see §5 and §6).
The Department and PSI do not publish a pass rate for these examinations in the bulletin or on the Department’s producer pages, and this guide names none. Figures quoted on commercial prep sites are not official statistics and should not anchor your expectations; what is official is the outline, the 70% standard, and the diagnostic report you receive if you miss.
Fees and registration, step by step
Keep the payments separate in your mind — they go to different places at different times, and two of them changed or conflict across official pages often enough that this guide flags the conflict rather than hiding it.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Exam fee — Property Producer | $38 per exam (see flag below) | PSI | When you register |
| Exam fee — Casualty Producer | $38 per exam (see flag below) | PSI | When you register |
| Live Scan fingerprinting | The vendor’s fee (separate; confirm at scheduling) | IDEMIA (IdentoGO) | At your fingerprint appointment |
| License fee | $150 for two years | State of New Jersey, via your application | After you pass |
| Application fee (new application) | $20 | State of New Jersey | With the license application |
| Additional processing fee | $20 | State of New Jersey | Only for paper (rather than online) applications and renewals |
NIPR’s New Jersey resident licensing page lists $170 in state fees for the major-lines Insurance Producer combination — the $150 license fee plus the $20 application fee — and notes that its figures are state fees only and do not include NIPR transaction fees. Registration (exam) fees are not refundable, per the bulletin, and they expire after one year of registering.
⚠ Exam-fee conflict between official sources. PSI’s current Candidate Information Bulletin (#1640, updated September 8, 2026) lists the examination fee as $38. The Department of Banking and Insurance’s producer FAQ page answers “How much is the examination fee?” with $47 per examination. Both sources are official; they cannot both be current. This guide uses the bulletin’s $38 because the bulletin is the more recently dated document, and the PSI registration flow will display the operative fee before you pay — treat the amount in your PSI account at registration as controlling, and expect this page to be corrected to whichever figure is confirmed at load.
The sequence, in order:
- Complete your pre-licensing education with a Department-approved provider — 20 hours for the line you will test first, 40 hours for the combined Property and Casualty course of study if you are covering both lines at once — and keep the completion certificate. You will present it at the exam.
- Register with PSI. Online is the primary route: go to PSI’s New Jersey insurance portal (test-takers.psiexams.com/njins), select TESTS, create an account (your first and last name must match your current, valid, government-issued ID exactly), select the examination, and choose your format — test center or remote proctored. For a test center, enter a city or postal code, pick a date and time, and pay; for remote testing, pick a date and time, pay, and review the booking before confirming. Telephone registration is also available at (855) 579-4634, with live registrars Monday through Friday 7:30 a.m. to 10:00 p.m. and Saturday–Sunday 9:00 a.m. to 5:30 p.m. Eastern Time; payment by phone requires a Visa, MasterCard, American Express, or Discover card. PSI’s New Jersey test centers listed in the bulletin include Brick, the Hamilton Square area, Marlton, North Brunswick, New Providence, the Northfield area (Linwood), Rochelle Park, Parsippany, and Secaucus, and PSI notes that examinations may also be taken at PSI sites in other regions across the United States.
- Protect the appointment. You may cancel and reschedule without forfeiting your fee if your cancellation notice is received 2 days before the scheduled examination date (for a Monday appointment, notice must be received the previous Saturday). Cancellation must be made through the PSI website or by speaking directly with a customer service representative — a voice mail message is not an acceptable form of cancellation. Your registration is invalid and your fee forfeited if you do not cancel in time, do not appear, arrive after the examination start time, or do not present proper identification.
- Take the exam (see §7). Your score appears on screen at the end, and passing Property and Casualty candidates are evaluated at the test center on the Department’s screening questions for the 60-day temporary work authority described in §2.
- Get fingerprinted. New Jersey law requires every applicant for a resident producer license — and each officer, director, partner, or owner of a controlling interest in an entity applicant — to submit fingerprints and written consent for a criminal history record check. The Department uses the State Police-coordinated Live Scan process, performed by the state’s contracted vendor, IDEMIA (IdentoGO). The producer service code is 2F16Y3 (public adjuster applicants use a different code); schedule through IdentoGO and use the correct code for the license you are seeking. The Department’s licensing sequence places fingerprinting after testing and before the application.
- Apply for the license. The Department recommends the electronic application — resident applications run through NIPR — though a paper application is maintained on the Department’s website. A paper submission must also include the original PSI passing score report, a school certificate, and the appropriate license fees, and the Department reminds applicants that paper applications require more processing time (and carry the additional $20 processing fee in the Department’s fee table).
After you pass — and retakes and score validity
After you pass. Passing the exam makes you eligible to apply; it does not itself license you. The remaining steps are fingerprinting (§5) and the license application with its fees (§5), completed while your score is valid. If you qualified for the temporary work authority at the test center, follow the instructions printed on the temporary work authority certificate to activate it, and the instructions on the short-form application provided at the test center for the permanent license; the authority covers 60 days from the exam date under a licensed producer’s supervision. Once licensed, a producer license runs on a two-year term (the $150 license fee is for two years), an insurer appointment is what authorizes you to represent a particular carrier’s products, and continuing education applies at renewal — the Department’s FAQ states the renewal standard as 24 credits per two-year period, including 3 credits in ethics (with an additional one-time 3-credit flood-insurance requirement for producers authorized to sell flood insurance, counted within the 24).
Score validity. One year. The bulletin is explicit: score reports are valid for one (1) year only. Complete fingerprinting and file the application inside that window; a pass older than a year does not support an application.
Retakes. If you do not pass, the mechanics are fast but not instant:
- You cannot make a new appointment on the same day you took an examination — PSI must process and report scores first. The bulletin’s example: a candidate who tests unsuccessfully on a Wednesday can call the next day, Thursday, and retest as soon as Friday, depending on space availability.
- The exam fee applies to each attempt, and registration fees are non-refundable.
- Bring your failing score report to the retake — it may be presented in place of the pre-licensing certificate or waiver at check-in.
- Build the retake on the diagnostic report in your emailed score report, which shows strengths and weaknesses by examination type. A second attempt with the same preparation usually reproduces the first result; a second attempt aimed at the diagnosed sections is a different test.
No maximum number of attempts is stated in the bulletin, and this guide claims none. If an attempt limit matters to your situation, confirm it with PSI or the Department rather than relying on prep-site summaries.
Test day
- Arrive 30 minutes early for sign-in, identification, and familiarization with the examination process. If you arrive late, you may not be admitted, and you will forfeit your registration fee.
- Bring the required identification — and your certificate. Admission requires one form of identification: government-issued, current, including your name, signature, and photograph; no form of temporary identification will be accepted. Acceptable primary IDs listed in the bulletin include a state-issued driver’s license or identification card, a U.S. government-issued passport, U.S. military ID, U.S. alien registration card, or Canadian government-issued ID — valid and unexpired, with photo. Separately, Property and Casualty candidates must present the pre-licensing education completion certificate (electronic or hard copy) or a Department waiver — or, on a retake, the failing score report. Missing any required item means denied admission and a forfeited fee.
- Security and prohibited items. At a test center you will be given a piece of scratch paper and a pencil, both returned at check-out. Prohibited items include reference materials of any kind; electronic devices of any type (phones, cameras, laptops and tablets, earbuds, electronic or smart watches, handheld calculators, headsets, music players, pagers, recording devices, televisions); hats or headgear not worn as religious apparel; and personal items such as backpacks, briefcases, food and drinks, notebooks, paper, pens and pencils, purses, and wallets, none of which may be within your reach or line of sight during the exam. During check-in you may be asked to empty and turn out your pockets, lift sleeve ends and pant-leg bottoms, and submit eyeglass frames and similar items to inspection. Giving or receiving assistance, copying or communicating examination content, or using outside resources terminates the examination and is reported to the sponsor. Once seated, you may leave the room only to use the restroom and only with the proctor’s permission, with no extra time. Persons accompanying you may not wait in the examination center or on the building’s property.
- The tutorial and the question screen. Before the examination, an introductory tutorial (up to 15 minutes) is provided on screen; that time does not count as part of your examination time, and sample questions follow it so you can practice answering. During the exam, one question appears at a time, minutes remaining are displayed at the top of the screen, and after entering your responses you may return to any question and change your answer provided time has not run out. You may also comment on any question through the Comments link on the function bar; PSI’s development staff analyze the comments, though PSI does not respond to individuals.
- Remote proctored variant. If you test remotely: run PSI’s compatibility checks (audio/video, webcam, and system) in advance; your booking displays in your account and you may launch within 30 minutes of the booked time — if you have not started within 15 minutes after the booked time, you forfeit your fee or eligibility. Breaks are not allowed during remote examinations (PSI directs candidates who cannot test without a break not to register for remote delivery), scratch paper is not allowed, lighting must be adequate for the proctor to see your activity, you may not change computers or spaces during the exam, and proctor instructions — hands on the desktop, eyes on the screen, mouth uncovered, no talking or mouthing — apply throughout. PSI’s technical support line for launch problems is (844) 267-1017.
- Exam accommodations and closings. All PSI centers are equipped to provide access in accordance with the Americans with Disabilities Act, and candidates who would have difficulty testing should request alternative arrangements through PSI’s accommodations route. If severe weather or another emergency closes a site on your scheduled date, PSI will attempt to contact you and reschedule at a convenient time as soon as possible.
- Results. Your score is displayed on screen at the end of the examination and a score report is emailed to you (printable from your online account). If you passed a Property or Casualty exam, the temporary-work-authority evaluation (§2) happens at the test center on the Department’s screening questions — answer them carefully, because confirmed answers cannot be changed.
How to study for these exams
The outlines are the syllabus — PSI publishes exactly what each exam covers, section by section, and the weights in §3 are question counts, not suggestions. A plan built on that structure:
- Sequence your education and your practice together. Your approved pre-licensing course teaches the material and produces the certificate the test center demands; outline-tagged practice questions are how you find out what the course did not make stick. Do not finish the course and only then start answering questions — interleave them, section by section, while the course is running.
- Start with the common New Jersey-law block. Twenty-five questions on each exam — the largest single block on the Property exam and tied-largest on the Casualty exam — come from the laws common to all lines: who regulates insurance in New Jersey and with what jurisdiction, the definitions the statutes use, how licensing works (terms, renewal, business entities, nonresidents), trade-practice rules, the fraud framework, ethics, and information privacy. It is concrete, memorisable material, it is tested identically twice, and it is the block national materials cover thinnest.
- Then split for the pertinent blocks — they are different subjects. Property’s four questions cover the New Jersey Insurance Underwriting Association (the FAIR Plan — New Jersey’s residual property market), cancellation and nonrenewal, surplus lines, coastal properties and hurricane risk, and commercial insurance deregulation; four questions is a small count, but they are close to free marks for a candidate who has studied them and unreachable for one who has not. Casualty’s sixteen questions are a heavier lift: New Jersey’s auto insurance system is unlike any other state’s — no-fault personal injury protection, the choice between the standard policy and the basic policy, the tort options, uninsured and underinsured motorist rules, and the Personal Automobile Insurance Plan for drivers who cannot obtain voluntary coverage — alongside workers’ compensation under New Jersey’s own statute, certificates of insurance, and the casualty applications of cancellation, surplus lines, and deregulation.
- Give the Types of Policies sections their combined weight. At 25 (Property) and 23 (Casualty) questions, policy forms decide the general halves: homeowners, dwelling, commercial property, and inland marine on one side; commercial general liability, personal and business auto, crime, bonds, professional and umbrella liability on the other. Learn them comparatively — what each form covers, what it excludes, and how it pays — because the exams test the boundaries between forms more than the forms in isolation.
- Learn terms inside questions, not off a glossary. The two Terms and Related Concepts sections (14 and 15 questions) test vocabulary — proximate cause, coinsurance, negligence, occurrence, concealment — through scenarios. Definitions learned in context survive the exam room; definitions memorised from a list leak under time pressure.
- Practice each exam at full length, separately, against the clock. A 79-question outline plus experimental items in 3.5 hours, and a 91-question outline plus experimental items in 3.5 hours, both allow roughly two minutes per question. That pace is comfortable for material you know and punishing for material you are reasoning out from first principles — which is exactly the diagnostic a timed simulation gives you. Sit the exam you will take first until its simulations are consistently above the line, then turn to the other.
- Read every explanation, especially for questions you got right. A right answer reached for a wrong reason is a wrong answer waiting for a differently-worded question. On New Jersey-law items especially, the explanation is where day counts, dollar figures, and named-program rules actually consolidate.
- Schedule each exam when its simulations say so — consistently comfortable full-exam scores on that exam, with the common-law block no longer your weakest section — and remember that the one-year validity clock starts at the pass, so have your fingerprinting and application steps ready to move.
This program’s New Jersey practice bank (9,667 questions, including approximately 2,174 on New Jersey laws, rules, and regulations) is built section-by-section on these same outlines, with generated practice exams available for the Property exam, the Casualty exam, or both combined. The New Jersey Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens. It is exam preparation only — it does not provide the pre-licensing education hours New Jersey requires.
Frequently asked questions
How many questions are on the New Jersey property and casualty exams?
Two separate exams: the Property Producer exam is built on a 79-question outline (50 general knowledge + 25 New Jersey laws common to all lines + 4 pertinent to property only), and the Casualty Producer exam on a 91-question outline (50 general + the same 25 common + 16 pertinent to casualty only). PSI may administer an additional 5 to 19 unscored experimental questions during an examination.
Is there a combined P&C exam in New Jersey?
No. Property and Casualty are separate lines of authority with separate PSI exams, separate sittings, separate fees, and separate 70% passing decisions. The combined figure you will see is in education: a combined Property and Casualty pre-licensing course of study is 40 hours.
What is the passing score for the New Jersey insurance exams?
70% on each exam, independently. There is no combined or averaged score across the two sittings.
Does New Jersey require pre-licensing education?
Yes — 20 hours for Property and 20 hours for Casualty (40 hours combined) from a Department-approved provider, completed before the examination, unless you qualify for a waiver (for example, certain approved professional designations) or an exemption (for example, recent licensure for the same lines in another state, under the bulletin’s conditions). You must present the completion certificate or waiver at the exam.
Does PassProfessor count as pre-licensing education?
No. It is exam preparation only, provides no education credit in any state, and does not satisfy New Jersey’s pre-licensing education requirement. You still need your hours from an approved provider; this prepares you for the exams themselves.
How much do the New Jersey P&C exams cost?
PSI’s current bulletin lists $38 per examination — $76 for the pair — paid to PSI at registration and non-refundable. The Department’s producer FAQ lists $47 per examination; the two official sources conflict (see §5), so confirm the fee shown in your PSI account when you register. Licensing costs are separate: a $150 license fee for two years plus a $20 new-application fee, paid to the state, plus the Live Scan fingerprint vendor’s fee.
How do I register for the New Jersey insurance exams?
Online through PSI’s New Jersey insurance portal — create an account with a name matching your government ID exactly, select the exam, choose test center or remote proctored delivery, pick a date and time, and pay — or by telephone at (855) 579-4634. Your pre-licensing education must be complete and your certificate in hand before you sit.
Can I take the New Jersey insurance exams online?
Yes. The bulletin offers both test-center delivery and remote online proctoring. Remote testing has its own rules — compatibility checks in advance, launch within 30 minutes of the booked time and start within 15 minutes, no breaks, and no scratch paper.
What do I do after I pass?
Complete Live Scan fingerprinting through IDEMIA (IdentoGO) with the producer service code, then apply for the license — electronically through NIPR is the Department’s recommended route — with the license and application fees. If you qualified for the temporary work authority evaluated at the test center, activate it per the certificate’s instructions; it covers 60 days from the exam date under a licensed producer’s supervision while the permanent license is processed.
How long is my New Jersey exam score valid?
One year. Score reports are valid for one year only, so fingerprinting and the application must be completed inside that window.
If I fail, how soon can I retake the exam?
Not the same day — scores must be processed first. The bulletin gives the example of a Wednesday failure, a Thursday call, and a retest as early as Friday, subject to space availability. The exam fee applies per attempt, and your failing score report serves as your check-in document in place of the education certificate or waiver.
What New Jersey-specific topics do the exams cover?
Beyond the 25-question common block (regulatory jurisdiction, definitions, licensing, trade practices, fraud, ethics, information privacy), the Property exam tests the New Jersey Insurance Underwriting Association (FAIR Plan), cancellation and nonrenewal, surplus lines, coastal properties and hurricane risk, and commercial insurance deregulation. The Casualty exam tests New Jersey auto insurance — personal injury protection, the standard-versus-basic policy framework, and the Personal Automobile Insurance Plan — plus workers’ compensation, certificates of insurance, and the casualty applications of cancellation and nonrenewal, surplus lines, and commercial insurance deregulation.
What is a temporary work authority?
A 60-day authority the Department may grant to passing candidates who qualify on screening questions administered at the test center. It lets the new producer transact insurance business under the supervision of a currently licensed producer while the permanent license is processed. It follows passing — it is not a way to work before passing.
Are the PassProfessor questions the real exam questions?
No. They are original questions written from scratch to PSI’s published New Jersey content outlines and New Jersey law. Real exam questions are confidential, and using them would violate the candidate rules you agree to when you test.
Disclaimer
PassProfessor is an independent exam-preparation provider and is not affiliated with the New Jersey Department of Banking and Insurance, PSI, or any state agency or exam vendor. This guide is general information about the New Jersey licensing exams, current as of October 2026; the New Jersey Department of Banking and Insurance and PSI publications govern if anything here differs from them.