New Jersey Life & Health Insurance Practice Test 2026

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 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.

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.

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.