The New Jersey Personal Lines license
Personal Lines
Sells the household half of property and casualty 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.
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Route 1 Take the 20-hour course
State exam required
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20 hours of pre-licensing education for the Personal Lines 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
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Route 2 Hold one of the 4 designations the Department names for this line
State exam required
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AAI Accredited Adviser in Insurance, from the Insurance Institute of America
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ARM Associate in Risk Management, from the Insurance Institute of America
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CIC Certified Insurance Counselor, from The National Alliance for Insurance Education and Research
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CPCU Chartered Property & Casualty Underwriter, from the Insurance Institute of America
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
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Route 3 Show equivalent college coursework in insurance
State exam required
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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
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Route 4 Take the course having held this line as a resident of another state
Exempt from the state exam
Pre-licensing education
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20 hours of pre-licensing education for the Personal Lines line, approved by the Department
and resident license elsewhere
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A resident license for the Personal Lines 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
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Courses
This is the part you buy. 1 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.
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A.D. Banker & Company
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.
$169.95 to $296.85
See 3 options Hide ▾-
NJ Personal Lines, SILVER
Online Course read 2026-08-22
$169.95
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NJ Personal Lines, GOLD
Online Course · Flash Cards read 2026-08-22
$196.90
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NJ Personal Lines, PLATINUM
Online Course · Flash Cards · Web Class Subscription read 2026-08-22
$296.85
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ExamFX
Meets the requirement: take the 20-hour course.
$169.95 to $299.95
See 3 options Hide ▾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
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New Jersey Personal Lines - Self-Study Package
60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22
$169.95
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New Jersey Personal Lines - 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
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New Jersey Personal Lines - 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
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Kaplan Financial Education
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.
$349.00
See 1 option Hide ▾-
Career Launcher Package (NJ - Personal Lines)
$349.00
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WebCE
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.
$109.95 to $159.95
See 2 options Hide ▾-
NJ Personal Lines Producer Exam Prep Complete Package
$109.95
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NJ Personal Lines Producer Exam Prep Plus Complete Package
$159.95
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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 Hide ▾-
New Jersey Personal Lines Pre-licensing
$199.00
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New Jersey Personal Lines Pre-licensing Premier
$299.00
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