Insurance License Hub

The New Jersey Life license

Life

Sells life insurance in New Jersey.

Course

20 hrs

The shortest single course route.

Ways in

4

1 of them skips the state exam.

Exam

$47

Required on some routes and not others.

Every way to qualify

More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. They are listed in full because the course is only the first of them.

  1. Route 1 Take the 20-hour course

    State exam required

    • 20 hours of pre-licensing education for the Life line, approved by the Department

    The Department counts these as classroom hours and lets an approved provider deliver them as self study, so a self-paced course is not disqualified here the way it is in Illinois. The twenty hours absorb the fifteen hours of insurance regulation the state used to require on top.

    Read at the Department on 2026-08-14

  2. Route 2 Hold one of the 7 designations the Department names for this line

    State exam required

    • CEBS Certified Employee Benefits Specialist, from The Wharton School of the University of Pennsylvania

    • or

      ChFC Chartered Financial Consultant, from The American College of Financial Services

    • or

      CIC Certified Insurance Counselor, from The National Alliance for Insurance Education and Research

    • or

      CFP Certified Financial Planner, from the Certified Financial Planner Board of Standards

    • or

      CLU Chartered Life Underwriter, from The American College of Financial Services

    • or

      FLMI Fellow, Life Management Institute, from LOMA

    • or

      LUTCF LUTC Fellow, from the National Association of Insurance and Financial Advisors

    The Department's education waiver form takes this as reason 1 and asks for a letter of good standing from the body that conferred it. The list of what counts is published on the Department's licensing page rather than in the form, and it is per line. The waiver is worth ninety days rather than a license: the form's own certification says it is "only valid for the ninety days during which time I can take the examination multiple times", so somebody who waits four months takes the course after all.

    Read at the Department on 2026-08-16

  3. Route 3 Show equivalent college coursework in insurance

    State exam required

    • A degree in insurance. An official transcript is required

    Reason 2 on the Department's education waiver form: equivalent college courses taken, with a transcript showing the credits and the official course description from the college catalog. No degree is asked for and no number of credits is set, which is why no figure is shown here. The waiver is worth ninety days rather than a license: the form's own certification says it is "only valid for the ninety days during which time I can take the examination multiple times", so somebody who waits four months takes the course after all.

    Read at the Department on 2026-08-16

  4. Route 4 Take the course having held this line as a resident of another state

    Exempt from the state exam

    Pre-licensing education

    • 20 hours of pre-licensing education for the Life line, approved by the Department

    and resident license elsewhere

    • A resident license for the Life line in another state, either current or inactive for less than ninety days

    The Department waives the examination for somebody who previously held a resident license for the same lines in another state where that license is current or went inactive inside ninety days. It is written up under the examination question and nowhere else. The education is shown here as still owed, because the Department's education waiver form lists three reasons and a license in another state is not one of them, so the two documents together say the examination goes and the course stays. Tennessee's title line and Washington's crop adjuster are the only other places here that drop the examination and keep the course, which is why the reason is spelled out rather than assumed.

    Read at the Department on 2026-08-16

Courses

This is the part you buy. 4 of the 5 products sold for this license satisfy the requirement above, and the rest are practice material. Each seller opens to what it holds and what each package costs.

  • A.D. Banker & Company

    Meets the requirement: take the 20-hour course.

    $79.95 to $296.85

    See 9 options ▾

    Listed as "A.D. Banker & Company, L.L.C." carrying L, H, P, C, where the Department's codes are L for life, H for health, P for property, C for casualty, PL for personal lines, T for title and BB for bail bonds

    Go to A.D. Banker & Company

  • ExamFX

    Meets the requirement: take the 20-hour course.

    $169.95 to $299.95

    See 6 options ▾

    Listed as "Exam FX" carrying L, H, P, C, PL, where the Department's codes are L for life, H for health, P for property, C for casualty, PL for personal lines, T for title and BB for bail bonds

    • New Jersey Life - Self-Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22

      $169.95

    • New Jersey Life and Health Bundle - Self-Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22

      $169.95

    • New Jersey Life - Video Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $219.95

    • New Jersey Life and Health Bundle - Video Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $219.95

    • New Jersey Life - Live Online Study Package

      Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $299.95

    • New Jersey Life and Health Bundle - Live Online Study Package

      Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $299.95

    Go to ExamFX

  • Kaplan Financial Education

    Meets the requirement: take the 20-hour course.

    $219.00 to $329.00

    See 2 options ▾

    Listed as "DF Institute d/b/a Kaplan Financial" carrying L, H, P, C, where the Department's codes are L for life, H for health, P for property, C for casualty, PL for personal lines, T for title and BB for bail bonds

    • Premium (Live Online) - Life

      Instructor-Led Class · InstructorLink · Study Plan · Video & Audio Review · InsurancePro QBank · Student Community · Checkpoint Exams · Performance Tracker · Pre-Study Assessment read 2026-08-22

      $219.00

    • Premium (Live Online) - Life & Health

      Instructor-Led Class · InstructorLink · Study Plan · Video & Audio Review · InsurancePro QBank · Student Community · Checkpoint Exams · Performance Tracker · Pre-Study Assessment read 2026-08-22

      $329.00

    Go to Kaplan Financial Education

  • WebCE

    Meets the requirement: take the 20-hour course.

    $109.95 to $159.95

    See 4 options ▾

    Listed as "Prelicense.com, A Service Of Webce" carrying L, H, P, C, where the Department's codes are L for life, H for health, P for property, C for casualty, PL for personal lines, T for title and BB for bail bonds

    • NJ Life, Accident and Health Producer Exam Prep Complete Package

      $109.95

    • NJ Life Producer Exam Prep Complete Package

      $109.95

    • NJ Life, Accident and Health Producer Exam Prep Plus Complete Package

      $159.95

    • NJ Life Producer Exam Prep Plus Complete Package

      $159.95

    Go to WebCE

  • XCEL Solutions

    Searched the New Jersey Department of Banking and Insurance's approved list and this company is not among the providers it has approved, so it cannot satisfy the course requirement.

    $199.00 to $299.00

    See 2 options ▾

    • New Jersey Life and Health Pre-licensing

      $199.00

    • New Jersey Life and Health Pre-licensing Premier

      $299.00

    Go to XCEL Solutions