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Updated: Aug 29, 2026
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Insurance Licensing NJ-Life-Producer Exam Overview:
| Certification Vendor: | New Jersey Department of Banking and Insurance (NJDOBI) / PSI Services LLC |
|---|---|
| Exam Name: | New Jersey Life Insurance Producer Licensing Examination |
| Exam Number: | NJ-Life-Producer |
| Real Exam Qty: | 85-100 (varies by exam form) |
| Related Certifications: | New Jersey Accident & Health Producer License Property and Casualty Producer License |
| Exam Duration: | 120-150 |
| Passing Score: | 70% |
| Available Languages: | English |
| Exam Format: | Multiple Choice, Computer-Based Testing (CBT) |
| Certificate Validity Period: | Typically 2 years (renewal required; subject to NJDOBI licensing rules) |
| Exam Price: | USD $50-$150 (plus licensing/processing fees, varies by PSI scheduling location) |
| Recommended Training: | NJDOBI Approved Pre-Licensing Education Providers Insurance Study Resources (PSI Candidate Handbook) |
| Exam Registration: | New Jersey DOBI Insurance Licensing PSI Exams - New Jersey Insurance Licensing |
| Sample Questions: | Insurance Licensing NJ-Life-Producer Sample Questions |
| Exam Way: | Computer-based exam administered at PSI testing centers or approved remote proctoring locations (varies by scheduling option). |
| Pre Condition: | Must complete pre-licensing education requirements approved by NJDOBI before taking the exam. |
| Official Syllabus URL: | https://www.nj.gov/dobi/ |
Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Underwriting and Policy Issuance | - Risk classification
|
| Life Insurance Fundamentals | - Policy provisions and clauses
|
| Life Insurance and Annuities | - Annuity basics
|
| State Regulations (New Jersey) | - Insurance laws and ethics
|
Insurance Licensing New Jersey Life Producer Sample Questions:
Question 1
The 1944 U.S. v. South-Eastern Underwriters Association case determined that
A. Insurance is commerce and should be subject to federal regulation.
B. Individuals who transact insurance business are subject to the same regulations as investment brokers.
C. Insurance is commerce and should be subject to state regulation.
D. Insurance companies that transact insurance business are subject to the same regulations as banks and savings and loan associations.
Question 2
An insurance company, owned by its stockholders who have contributed to its capital and surplus and to whom dividends are paid, is known as
A. A stock company.
B. An assessable company.
C. A mutual company.
D. A reciprocal company.
Question 3
A licensed life or health producer who solicits insurance in New Jersey, has not selected New Jersey as his home state, and resides and maintains the principal office in another state is defined as
A. A reciprocal producer.
B. A foreign producer.
C. A nonresident producer.
D. An alien producer.
Question 4
Which rider assures the premiums will be paid on a juvenile policy until the insured child reaches a specific age?
A. Payor rider.
B. Guaranteed insurability rider.
C. Automatic premium loan rider.
D. Waiver of premium rider.
Question 5
Which of the following is a characteristic of conversion from group to permanent life insurance?
A. Conversion must be applied for within 1 month of termination.
B. Proof of insurability is required.
C. Conversion must be to term insurance.
D. Premium for the new policy will be based on the age when first covered by the group policy.
Solutions:
| Question 1 Answer: A | Question 2 Answer: A | Question 3 Answer: C | Question 4 Answer: A | Question 5 Answer: A |
Insurance Licensing NJ-Life-Producer Exam Overview:
| Certification Vendor: | New Jersey Department of Banking and Insurance (NJDOBI) / PSI Services LLC |
|---|---|
| Exam Name: | New Jersey Life Insurance Producer Licensing Examination |
| Exam Number: | NJ-Life-Producer |
| Real Exam Qty: | 85-100 (varies by exam form) |
| Related Certifications: | New Jersey Accident & Health Producer License Property and Casualty Producer License |
| Exam Duration: | 120-150 |
| Passing Score: | 70% |
| Available Languages: | English |
| Exam Format: | Multiple Choice, Computer-Based Testing (CBT) |
| Certificate Validity Period: | Typically 2 years (renewal required; subject to NJDOBI licensing rules) |
| Exam Price: | USD $50-$150 (plus licensing/processing fees, varies by PSI scheduling location) |
| Recommended Training: | NJDOBI Approved Pre-Licensing Education Providers Insurance Study Resources (PSI Candidate Handbook) |
| Exam Registration: | New Jersey DOBI Insurance Licensing PSI Exams - New Jersey Insurance Licensing |
| Sample Questions: | Insurance Licensing NJ-Life-Producer Sample Questions |
| Exam Way: | Computer-based exam administered at PSI testing centers or approved remote proctoring locations (varies by scheduling option). |
| Pre Condition: | Must complete pre-licensing education requirements approved by NJDOBI before taking the exam. |
| Official Syllabus URL: | https://www.nj.gov/dobi/ |
Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Underwriting and Policy Issuance | - Risk classification
|
| Life Insurance Fundamentals | - Policy provisions and clauses
|
| Life Insurance and Annuities | - Annuity basics
|
| State Regulations (New Jersey) | - Insurance laws and ethics
|
Insurance Licensing New Jersey Life Producer Sample Questions:
Question 1
The 1944 U.S. v. South-Eastern Underwriters Association case determined that
A. Insurance is commerce and should be subject to federal regulation.
B. Individuals who transact insurance business are subject to the same regulations as investment brokers.
C. Insurance is commerce and should be subject to state regulation.
D. Insurance companies that transact insurance business are subject to the same regulations as banks and savings and loan associations.
Question 2
An insurance company, owned by its stockholders who have contributed to its capital and surplus and to whom dividends are paid, is known as
A. A stock company.
B. An assessable company.
C. A mutual company.
D. A reciprocal company.
Question 3
A licensed life or health producer who solicits insurance in New Jersey, has not selected New Jersey as his home state, and resides and maintains the principal office in another state is defined as
A. A reciprocal producer.
B. A foreign producer.
C. A nonresident producer.
D. An alien producer.
Question 4
Which rider assures the premiums will be paid on a juvenile policy until the insured child reaches a specific age?
A. Payor rider.
B. Guaranteed insurability rider.
C. Automatic premium loan rider.
D. Waiver of premium rider.
Question 5
Which of the following is a characteristic of conversion from group to permanent life insurance?
A. Conversion must be applied for within 1 month of termination.
B. Proof of insurability is required.
C. Conversion must be to term insurance.
D. Premium for the new policy will be based on the age when first covered by the group policy.
Solutions:
| Question 1 Answer: A | Question 2 Answer: A | Question 3 Answer: C | Question 4 Answer: A | Question 5 Answer: A |
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