Part of the expanding PassProfessor catalog: 9,667 questions, written to the current New Jersey outlines and independently audited. Join the notify list and we will email you when enrollment opens.
What’s included
One practice program for two real exams. New Jersey’s structure is the first thing to get right in this state: there is no single “P&C exam” to prepare for. There is a Property exam and a Casualty exam, booked separately, sat separately, and scored separately — and you must pass both to hold both lines of authority. Each exam also carries a heavy New Jersey-law load: 29 of the Property exam’s 79 questions and 41 of the Casualty exam’s 91 questions test New Jersey laws, rules, and regulations. Our New Jersey bank holds 9,667 questions covering both exams in one place, so you are not buying, or stitching together, two separate prep products.
Practice exams per exam, or combined. Generate a full Property simulation weighted the way PSI weights it (25 / 14 / 11 across its three general sections, then 25 questions on the New Jersey laws common to all lines and 4 on the laws pertinent to property only), a full Casualty simulation (23 / 15 / 12 general, the same 25 common-law questions, and 16 on the laws pertinent to casualty only), or a combined run at both. That matters because New Jersey scores the exams separately: passing one does not rescue the other, and your practice should be able to isolate each exam the same way test day will.
Approximately 2,174 questions on New Jersey law. State law is not a chapter at the back of these exams; it is 70 of the 170 scored questions across the two exams — about 41%. Both exams test the same 25-question block of New Jersey laws common to Life, Accident and Health, Property, and Casualty insurance — regulatory jurisdiction, definitions, licensing, trade practices, fraud, ethics, and information privacy — and then split: the Property exam adds the New Jersey Insurance Underwriting Association (the FAIR Plan), cancellation and nonrenewal, surplus lines, coastal properties and hurricane risk, and commercial insurance deregulation, while the Casualty exam adds New Jersey’s distinctive auto system (personal injury protection, the standard-versus-basic policy choice, the Personal Automobile Insurance Plan), workers’ compensation, certificates of insurance, and its own cancellation, surplus lines, and deregulation rules. Our bank’s New Jersey-law topics hold approximately 2,174 questions, the deepest state-specific block in the program, because that is where these exams are heaviest.
An explanation on every question. Every one of the 9,667 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Fresh draws, unseen first. Each generated practice exam is built fresh for that attempt, weighted to PSI’s published New Jersey outlines, with questions you have not seen served first. You never sit the same practice exam twice, and your results break down by outline section — across two exams — so a weak block shows up in your practice data before it shows up on a score report.
Questions that stay honest. Every item is monitored from real student responses once the program opens. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired — the bank you practice on is the bank as it should be.
A clear boundary on what this is. New Jersey requires pre-licensing education before these exams — 20 hours for Property and 20 hours for Casualty (40 hours for the combined Property and Casualty course of study) from a Department-approved provider, and you must present your course completion certificate, or a Department waiver, at the exam. This program is exam preparation only: it provides no education credit, it does not satisfy that requirement, and it is not affiliated with the New Jersey Department of Banking and Insurance or PSI. Take your required hours from an approved provider; use this to be ready for the exams themselves.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
New Jersey licenses property and casualty producers through two separate PSI exams, not one combined test: the Property Producer exam (79 questions) and the Casualty Producer exam (91 questions), each with a 70% passing score and each allowing 3.5 hours. PassProfessor’s New Jersey program will be a single practice bank of 9,667 original questions — including approximately 2,174 on New Jersey laws, rules, and regulations alone — built on PSI’s published New Jersey content outlines, with an explanation on every question and practice exams you can generate for the Property exam, the Casualty exam, or both combined. A free sample comes with the program; the full New Jersey program will be $29 when enrollment opens.
The real exams at a glance
Current as of October 2026, per the PSI New Jersey Candidate Information Bulletin (updated September 8, 2026) and PSI’s New Jersey Examination Content Outlines (effective July 7, 2011). Full detail — eligibility, pre-licensing education, fingerprints, retakes, test day — is in our New Jersey insurance exam guide. One fee figure in this table is the subject of an official-source conflict flagged in §8; re-verify it at load.
| NJ Property Producer exam | NJ Casualty Producer exam | |
|---|---|---|
| Administered by | PSI Services LLC, for the New Jersey Department of Banking and Insurance | PSI Services LLC, for the New Jersey Department of Banking and Insurance |
| Questions on the outline | 79 | 91 |
| General-knowledge questions | 50 | 50 |
| New Jersey-law questions | 29 (25 common to all lines + 4 property-only) | 41 (25 common to all lines + 16 casualty-only) |
| Additional unscored experimental questions | 5 to 19 may be added; they are not scored and cannot be identified | 5 to 19 may be added; they are not scored and cannot be identified |
| Time limit | 3.5 hours (210 minutes) | 3.5 hours (210 minutes) |
| Passing standard | 70% | 70% |
| Exam fee | $38 per exam, paid to PSI when you register (see the fee-conflict flag in §8) | $38 per exam, paid to PSI when you register |
- Two exams means two fees and two sittings. Property and Casualty taken as the pair cost $76 in exam fees at the bulletin’s current figure — $38 each — before any license or fingerprint costs. There is no combined-sitting discount to plan around, because there is no combined sitting.
- Pre-licensing education comes first. You cannot sit either exam on preparation alone: PSI requires candidates for these exams to present a pre-licensing education course completion certificate (an electronic or hard copy is accepted) or a waiver issued by the Department — or, on a retake, your failing score report. Certificates never expire, per the bulletin.
- A passing score is usable for one year. The bulletin states that score reports are valid for one year only, so the clock to finish fingerprinting and apply runs from your pass date.
- Both exams are offered at PSI test centers in New Jersey (and other PSI sites nationally) and by remote online proctoring, per the bulletin — the scheduling flow asks you to choose test center or remote proctored delivery.
- You apply for the license after passing, online through NIPR (paper application is also available). The license itself costs $150 for two years, plus a $20 application fee — $170 in state fees through NIPR for the major-lines combination — paid to the state, separate from the exam fees, plus fingerprinting through the state’s Live Scan vendor.
How the practice maps to the real exams
Every question in the New Jersey bank is tagged to a topic drawn from PSI’s published New Jersey content outlines — the same outlines the two real exams are built from. Counts below are the bank itself, counted question by question. The bank’s topic labels follow the outlines’ own section titles; because one bank serves two exams, the general-knowledge topics below feed the Property exam, the Casualty exam, or both, and the New Jersey-law topics are the outlines’ section 4.0 and 5.0 subtopics.
| Bank topic (official outline wording) | Practice questions |
|---|---|
| I.0 TYPES OF POLICIES, BONDS, AND RELATED TERMS (Casualty) | 1,724 |
| I.0 TYPES OF POLICIES (Property) | 1,648 |
| 2. INSURANCE TERMS AND RELATED CONCEPTS (Property) | 1,125 |
| 2.0 INSURANCE TERMS AND RELATED CONCEPTS (Casualty) | 1,124 |
| 3.0 POLICY PROVISIONS AND CONTRACT LAW (Property) | 974 |
| 3.0 POLICY PROVISIONS (Casualty) | 898 |
| Licensing (NJ laws common to all lines) | 467 |
| Auto Insurance (NJ laws pertinent to casualty only) | 322 |
| State Regulatory Jurisdiction (NJ laws common to all lines) | 310 |
| Workers’ Compensation (NJ laws pertinent to casualty only) | 172 |
| New Jersey Insurance Underwriting Association (FAIR Plan) (NJ laws pertinent to property only) | 143 |
| Definitions (NJ laws common to all lines) | 117 |
| 10 smaller New Jersey-law topics (trade practices, fraud, ethics, information privacy, cancellation/nonrenewal, surplus lines, coastal and hurricane risk, commercial deregulation, certificates of insurance, and related subtopics) | 643 |
| Total | 9,667 |
Read against the real exams: the Property exam’s 79 questions run 25 Types of Policies / 14 Insurance Terms and Related Concepts / 11 Policy Provisions and Contract Law in its general part, then the 25-question common New Jersey-law block and 4 property-only law questions. The Casualty exam’s 91 questions run 23 Types of Policies, Bonds, and Related Terms / 15 Insurance Terms and Related Concepts / 12 Policy Provisions in its general part, then the same 25-question common block and 16 casualty-only law questions. Generated practice exams for each real exam use those weights — the table above is the depth behind them. One outline quirk worth knowing: PSI prints the two outlines’ section numbering inconsistently (the Property outline’s second section is numbered “2.” where the Casualty outline prints “2.0”), and the bank’s topic labels preserve the outlines’ wording as printed.
How to use it
- Join the notify list today. When enrollment opens, start with free sample questions — a fixed set of New Jersey questions spanning both exams, with full explanations — enough to see how the program teaches and where you stand.
- Finish your required pre-licensing hours first, and keep your certificate. You will need the completion certificate (or a Department waiver) in hand to be admitted to either exam. This program runs alongside those hours, not instead of them.
- Decide your sitting order early. Two separate exams means a choice: Property first or Casualty first, close together or spaced apart. Your practice plan should mirror the choice — single-exam simulations for the exam you will sit first, combined runs only as a stamina check.
- Drill the common New Jersey-law block once, use it twice. The identical 25-question common block appears on both exams, so mastery there pays on both sittings. Then drill the divergent tails separately: the FAIR Plan and coastal risk on the Property side; PIP, the auto plan, and workers’ compensation on the Casualty side.
- Drill by outline section within each exam. Work your weakest sections — homeowners and commercial property forms on the Property side, liability, auto, and bonds on the Casualty side — until the misses stop repeating.
- Sit full generated exams against the clock. 79 questions plus experimental items in 3.5 hours (Property) and 91 plus experimental items in 3.5 hours (Casualty) allows roughly two minutes per question — generous only if you keep moving and do not let one hard item eat the margin.
- Book each real exam through PSI when your practice scores sit comfortably above 70% on full simulations for that exam — then complete Live Scan fingerprinting and apply through NIPR while your one-year score validity runs.
Pricing
$29 — the full New Jersey program, when enrollment opens. All 9,667 questions covering both the Property and the Casualty exams, every explanation, unlimited fresh practice exams and section drills. One price for both exams’ content — New Jersey’s two-exam structure does not double your prep cost here. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; full pre-licensing courses from the national providers run $129 to $349. In New Jersey you will still need an approved pre-licensing course for your required hours — that purchase is separate and unavoidable. This program is the exam practice itself, priced below every practice-only competitor in that cluster.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Frequently asked questions
How many questions are on the New Jersey property and casualty exams?
There are two separate exams. The Property Producer exam is built on a 79-question outline — 50 general-knowledge questions and 29 on New Jersey laws, rules, and regulations. The Casualty Producer exam is built on a 91-question outline — 50 general and 41 on New Jersey law. PSI may add 5 to 19 unscored experimental questions to an administration; those do not count toward your result and cannot be identified, so treat every question as if it counts.
Is there a combined New Jersey P&C exam?
No. New Jersey licenses Property and Casualty as separate lines of authority with separate PSI exams and separate sittings. PassProfessor sells one combined practice program because candidates for both lines need both exams — the bank covers both exams’ content, and you can generate practice exams for the Property exam, the Casualty exam, or both combined. The real sittings remain separate.
What score do I need to pass the New Jersey exams?
70% on each exam, separately. There is no combined score and no averaging across the two sittings: a strong Casualty result does not offset a Property result below 70%, and vice versa.
Does New Jersey require pre-licensing education?
Yes. New Jersey requires a pre-licensing course of study from a Department-approved provider before the examination: 20 hours for Property, 20 hours for Casualty — 40 hours for the combined Property and Casualty course of study. You must bring your course completion certificate, or a waiver issued by the Department, to the exam; PSI will turn away candidates for these exams who present neither (a failing score report is accepted on a retake). Waivers exist for some candidates — for example, certain approved professional designations and candidates recently licensed for the same lines in another state — and the Department’s producer FAQ and waiver form govern who qualifies.
Does this program count as pre-licensing education?
No. This program is exam preparation only. It provides no education credit, it does not satisfy New Jersey’s 20-hours-per-line requirement, and it is not a substitute for an approved provider’s course. You still need your required hours; this prepares you for the exams themselves.
How much do the New Jersey P&C exams cost?
PSI’s current Candidate Information Bulletin (updated September 8, 2026) lists the examination fee as $38 per exam — $76 for the Property and Casualty pair — paid to PSI when you register, non-refundable. Note that the Department’s producer FAQ page lists a different figure ($47 per examination); we flag that conflict in our source log and re-verify the fee before this page is loaded, so confirm the amount in your PSI account at registration. After you pass, the license costs $150 for two years plus a $20 application fee, paid to the state through NIPR, and Live Scan fingerprinting carries its own vendor fee.
Who administers the New Jersey insurance exams?
PSI Services LLC administers them for the New Jersey Department of Banking and Insurance. You register online through PSI’s New Jersey insurance portal or by phone at (855) 579-4634, and you may test at a PSI test center or by remote online proctoring.
What do I do after I pass?
Complete Live Scan fingerprinting through the state’s contracted vendor, IDEMIA (IdentoGO), using the producer service code, and apply for the license — the Department recommends the electronic application through NIPR. Passing candidates for Property and Casualty are also evaluated at the test center, on Department screening questions, for a temporary work authority: qualified applicants can receive a 60-day temporary work authority allowing them to transact business under the supervision of a currently licensed producer while the permanent license is processed.
What happens if I fail?
You register again and retake that exam; you cannot rebook for the same day you tested, because PSI must process and report scores first — the bulletin gives the example that a candidate who tests unsuccessfully on a Wednesday can call on Thursday and retest as early as Friday, subject to space. The exam fee applies to each attempt, and a retake candidate may present the failing score report in place of the education certificate at check-in. Your emailed score report includes a diagnostic report showing your strengths and weaknesses by examination type — the starting point for a targeted retake plan.
How long is my passing score good for?
One year. The bulletin states that score reports are valid for one year only, so complete fingerprinting and your license application inside that window.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to PSI’s published New Jersey content outlines and New Jersey insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test.
Why do the New Jersey-law sections get their own drills?
Because together they are 70 of the 170 questions across the two exams — about 41% — and they are the part national study materials cover thinnest. New Jersey tests its own institutions and systems: the Insurance Underwriting Association (FAIR Plan), its no-fault auto framework and personal injury protection, the standard-versus-basic policy choice, the Personal Automobile Insurance Plan, and its workers’ compensation rules. Our bank holds approximately 2,174 New Jersey-law questions so those sections can be drilled on their own until they are the easiest part of your test days.
When can I enroll in the New Jersey program?
Enrollment for this program opens as the catalog expands. Join the notify list on this page and we will email you when enrollment opens.
Disclaimer
PassProfessor is an independent exam-preparation provider. This program is exam preparation only: it is not pre-licensing education, provides no education credit, and is not affiliated with the New Jersey Department of Banking and Insurance, PSI, or any state agency or exam vendor. It does not satisfy New Jersey’s required pre-licensing education. All practice questions are original, written to the published exam outlines; they are not actual exam questions.