NJ L&H
New Jersey Life & Health Insurance License Exam
New Jersey regulates Life & Health producer licensing through New Jersey Department of Banking and Insurance (DOBI), with the exam delivered by PSI Services LLC. New Jersey does not offer a combined Life & Health exam; Life Producer and Health (Accident & Health) Producer are separate required exams, confirmed via the official PSI candidate bulletin's exam list. New Jersey requires 20 hours of approved prelicensing education before you may sit the exam. C3RT includes Life & Health practice content built specifically for New Jersey, covering national concepts plus New Jersey statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
NJ L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | New Jersey Life & Health Insurance License Exam |
| Governing Body | New Jersey Department of Banking and Insurance (DOBI) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | New Jersey Department of Banking and Insurance (DOBI) official website ↗ |
NJ L&H Content Areas and Domains
Domain areas are sourced from the New Jersey Department of Banking and Insurance (DOBI) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ New Jersey insurance law and regulations
How C3RT Helps You Pass the NJ L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the NJ L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real NJ L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample NJ L&H Practice Questions
Q1.Under New Jersey group contracts, what is the specific requirement for an employee to be considered 'totally disabled'?
- The individual is unable to perform their specific job duties but can still work in other fields.
- The individual is unable to perform a specific job but remains engaged in minor tasks for personal gain.
- The individual is unable to work at all regardless of their previous fitness or professional qualifications.
- The individual is completely unable to engage in any and every gainful occupation for which they are reasonably fitted by education, training, or experience.Correct
In New Jersey, total disability requires a complete inability to engage in any gainful occupation the person is fitted for. Distractors fail because they allow for partial work or ignore the 'fitness' requirement of the state's strict definition.
Q2.Under New Jersey law, what requirement must a group contract or individual group certificate meet regarding employees who experience a total disability?
- The insurer is not required to provide continuation of coverage.
- Continuation is only mandatory if the policy provides medical-surgical coverage.
- The contract must provide continuation of coverage for the disabled member.Correct
- Coverage may be terminated immediately upon the occurrence of a total disability.
NJ law specifically mandates that group contracts must provide continuation of coverage for members whose employment terminates due to total disability. The other options incorrectly suggest no requirement or limit the mandate only to specific types of coverage.
Q3.Under New Jersey regulations, an employee who was covered under a group disability contract for only 2 months prior to a termination of coverage qualifies for continuation of coverage.
- True
- Only if the disability is permanent
- FalseCorrect
- Only if the employer provides written consent
The employee does not qualify because New Jersey requires continuous coverage for the entire 3-month period ending with the termination. The other options are incorrect as they do not address the specific timeframe requirement.
NJ L&H Frequently Asked Questions
What does NJ L&H stand for?
NJ L&H stands for New Jersey Life & Health Insurance License Exam. It is administered by New Jersey Department of Banking and Insurance (DOBI).
Who administers the NJ L&H?
The New Jersey Life & Health Insurance License Exam (NJ L&H) is administered by New Jersey Department of Banking and Insurance (DOBI). For official information, visit the New Jersey Department of Banking and Insurance (DOBI) website.
Does New Jersey have a combined Life & Health exam?
New Jersey does not offer a combined Life & Health exam; Life Producer and Health (Accident & Health) Producer are separate required exams, confirmed via the official PSI candidate bulletin's exam list. Check New Jersey Department of Banking and Insurance (DOBI) for the current exam-registration process.
Does New Jersey require prelicensing education for Life & Health?
Yes. New Jersey requires 20 hours of approved prelicensing education before you may sit the Life & Health exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through a New Jersey-approved provider.
What score do I need to pass the New Jersey Life & Health exam?
New Jersey requires 70% on the Life & Health exam. Confirm the current standard with New Jersey Department of Banking and Insurance (DOBI), since passing standards can change.
Is the Life & Health exam different in New Jersey than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but New Jersey tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by New Jersey Department of Banking and Insurance (DOBI).
C3RT is a native iOS and macOS exam preparation platform covering the New Jersey Life & Health Insurance License Exam (NJ L&H), a Insurance Licensing certification, administered by New Jersey Department of Banking and Insurance (DOBI). C3RT is not affiliated with or endorsed by New Jersey Department of Banking and Insurance (DOBI). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the New Jersey Department of Banking and Insurance (DOBI) official website ↗ .