New Jersey’s ordinary first-time resident Life Producer pathway requires 20 hours of approved Life prelicensing education, the standalone NJ Life Producer exam, Live Scan fingerprints, and an electronic producer application. Variable authority is separate.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Resident individual applicant
- General eligibility explanation
- Ordinary first-time New Jersey resident individual seeking the separate Life authority.
Prelicensing education
- Prelicensing education required
- Yes
- Required education hours
- 20
- Education requirement explanation
- Complete 20 hours of approved Life prelicensing education before testing unless NJDOBI confirms a documented designation or course waiver. Do not treat veteran status alone as an education waiver.
- Exemptions available
- Yes
- Exemption explanation
- Specified professional designations or qualifying coursework may support a conditional prelicensing waiver. Obtain confirmation before omitting education. Variable authority remains separate.
Background
- Fingerprints required
- Yes
- Background check required
- Yes
- Fingerprint / background instructions
- After passing the exam and before applying, schedule Live Scan with IdentoGO using producer code 2F16Y3. Fingerprints taken for another purpose cannot be reused. Budget approximately $66 and confirm the current total when scheduling; this is not a current official fixed fee.
Application
- Application required
- Yes
- Application fee
- $170 electronic New Jersey state subtotal ($150 license plus $20 new-application processing), plus NIPR transaction charges. Confirm the live total before payment.
- Application channel / system
- NIPR
- Application instructions
- Complete approved Life education, pass the NJ Life Producer exam, complete Live Scan with code 2F16Y3, then apply electronically through NIPR.
- Official application reference
- https://www.nj.gov/dobi/inslic.htm
Renewal & maintenance
- Renewal cycle
- Biennial; last day of birth month, with an initial term of at least 18 months
- Renewal fee
- $150 state renewal plus applicable processing or transaction charges; $100 state late fee applies to a late major-lines renewal. Confirm the live total before payment.
- CE required
- Yes
- CE hours
- 24
- CE cycle
- Every two years
- Ethics hours
- 3
- CE explanation
- Complete 24 approved CE hours including 3 ethics hours each biennial term. Up to 12 nonethics hours may carry forward under current rules.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- This pathway covers an ordinary first-time resident. Confirm any move-to-state or reciprocal relief from current NJDOBI instructions before omitting a step.
Military / veteran / spouse
- Veteran-specific provisions
- NJDOBI’s regulator-hosted page, last modified January 2012, states that New Jersey initial and renewal state licensing and processing fees are waived for a qualifying individual who documents a service-connected disability, including with DD214 or other official notification. It does not show PSI exam, IdentoGO fingerprint, NIPR transaction, education-provider, or other third-party charges as waived; confirm current eligibility with NJDOBI.
Source governance
- Primary authoritative source
- https://www.nj.gov/dobi/inslic.htm
- Secondary official sources
- NJDOBI Producer FAQ, Live Scan and Producer Licensing Fees pages; PSI New Jersey Insurance Candidate Instructions and NJ Life Producer catalog; NIPR New Jersey resident-individual requirements
- Statute / regulation reference
- N.J.A.C. 11:17-2.2; P.L. 2003, chapter 199
- Source reference URL
- https://test-takers.psiexams.com/api/content/bulletin/1651
- Last verified date
- 2026-08-24
- Verification status
- Verified
- Review / recheck date
- 2026-09-24
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