New Jersey Life & Health Insurance Practice Test 2026
Practice the exam New Jersey uses, from general life & health knowledge to New Jersey's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus New Jersey's own insurance law.
Health 88, Life 83 scored questions, 3 hours 30 minutes allowed, 70% to pass.
Last verified October 2026 · Examination Content Outlines - Life Producer & Instructor Examination
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Exam
New Jersey has no combined exam. Life and Accident & Health are two separate exams, each with its own score. Pick one above to launch a full-length practice exam, or keep studying both here.
Life Producer
- Questions
- 83
- Time allowed
- 3 hours 30 minutes
- Passing score
- 70%
Accident & Health Producer
- Questions
- 88
- Time allowed
- 3 hours 30 minutes
- Passing score
- 70%
Figures from the official exam pages: proctor2.psionline.com, proctor2.psionline.com. Last verified October 2026. Confirm with the testing company before you book.
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Master each topic before your New Jersey exams. First 4 topics are free to start.
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About the New Jersey Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the New Jersey Life & Health test
New Jersey's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies9 Qs
- Policy Riders, Provisions, Options, and Exclusions21 Qs
- Completing the Application, Underwriting, and Delivering the Policy12 Qs
- Taxes, Retirement, and Other Insurance Concepts8 Qs
- New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance25 Qs
- New Jersey Laws, Rules, and Regulations Pertinent to Life and Regulations8 Qs
- Types of Policies14 Qs
- Policy Provisions, Clauses, and Riders20 Qs
- Social Insurance3 Qs
- Other Insurance Concepts4 Qs
- Field Underwriting Procedures9 Qs
- New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance25 Qs
- New Jersey Laws, Rules, and Regulations Pertinent to Accident and Health Insurance Only13 Qs
Source: New Jersey has no combined Life & Health producer exam. Life Producer outline "Effective November 11, 2010" (83 items, 70% to pass, 3.5 hours); Accident & Health Producer outline "Effective July 14, 2011" (88 items, 70% to pass, 3.5 hours). PSI's New Jersey candidate information bulletin adds 5 to 19 unscored experimental questions on top of the stated item counts. (New Jersey Examination Content Outlines - Life Producer & Instructor Examination; New Jersey Examination Content Outlines - Accident & Health Producer & Instructor Examination). Confirm current weights with the testing company before you book.
What to bring to the New Jersey exam
New Jersey official sources
- Unfair methods of competition and deceptive acts definedN.J.S.A. 17:29B-4 · New Jersey Legislature (pub.njleg.gov)
- Life Insurance Policy ProvisionsN.J.S.A. Title 17B, Chapter 25, Secs. 17B:25-1 to 17B:25-17 · New Jersey Office of Legislative Services (pub.njleg.state.nj.us)
- Life and Health Insurance Code, Scope and Definitions, and The Insurance Contract General Provisions, N.J.S.A. 17B:17-1 through 17B:17-31 and 17B:24-1.1 through 17B:24-12pub.njleg.gov
- Group and Blanket Health Insurance, N.J.S.A. 17B:27-26 through 17B:27-67pub.njleg.gov
- Group Life Insurance, N.J.S.A. 17B:27-68 through 17B:27-75pub.njleg.gov
- Life and Health Insurance Guaranty Association Act, N.J.S.A. 17B:32A-1 through 17B:32A-19pub.njleg.gov
- Individual Health (Accident and Health) Insurance Policies, Required and Optional Standard Policy Provisions, N.J.S.A. 17B:26-1 through 17B:26-47pub.njleg.gov
- Life Insurance Policies and Annuity Contracts, Standard Policy Provisions, Nonforfeiture and Valuation, N.J.S.A. 17B:25-1 through 17B:25-42pub.njleg.gov
All New Jersey insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the New Jersey provisions the questions on this page cite most often.
- N.J.S.A. § 17:29B-4 · Boycott, Coercion and Intimidation8 questions
- N.J.S.A. § 17B:25-11 · Payment of Claims: Deadline After Requested Documents Are Received3 questions
- N.J.S.A. tit. 17B § 27-72 · Conversion privilege: choice of individual policy form3 questions
- N.J.S.A. § 17B:25-3 · Grace Period, Deductions from Settlement2 questions
- N.J.S.A. § 17B:32A-17 · Association shall not be used to promote insurance sales2 questions
- N.J.S.A. § 17B:32A-7 · Powers of the association; insolvent insurer2 questions
- N.J.S.A. § 17B:17-13 · Misdemeanor to Do Business Unless Authorized1 question
- N.J.S.A. § 17B:17-13.1 · Charitable Annuities; Reports and Examinations1 question
Exam figures on this page were checked against official pages: License fee · Pre-licensing. Confirm anything you rely on with the testing company and the New Jersey Department of Insurance.