New Jersey License Renewal Requirements

CE Provider #48000

In New Jersey, resident insurance producers are required to complete continuing education (CE) to maintain their licenses. The following outlines the key licensing rules, timelines, and training obligations. 

Credit Hours

Producers must complete 24 CE credit hours every two years, including at least 3 credit hours in ethics. The remaining requirements are “non-license type specific.” For instance, if a licensee holds one or more major lines of authority, such as Life, Accident and Health, Property and Casualty, or Personal Lines, they may take courses in any approved topic, as long as the courses are authorized by the New Jersey Department of Insurance.

License Term and Renewal

The license term concludes on the last day of the producer’s birth month every two years. All CE credits must be completed before submitting a license renewal application. Renewal applications can be submitted up to 90 days prior to license expiration. 

Course Repetition

A course cannot be taken more than once within a two-year license term.

Carryover Credits

Producers who complete more than 24 CE credit hours within a licensing term may carry over up to 12 credits to the next term. However, ethics credits cannot be carried over.

Special Training Requirements:

Annuity Training

Producers must complete a one-time, state-approved 4-hour Annuity Best Interest course before selling or soliciting any annuity products. Producers licensed prior to April 2025, may take 1-hour update course by October 31, 2025.  

Long-Term Care (LTC) Training

Producers must complete an 8-hour initial LTC training course before selling or soliciting long-term care insurance. An additional 4-hour ongoing training course is required every two years after the initial training.

Flood Insurance Training

Producers selling National Flood Insurance Program (NFIP) policies must complete a one-time 3-hour course on flood insurance.

Non-Resident Producers

Non-resident producers who have fulfilled CE requirements in their home state are generally considered compliant with New Jersey’s CE requirements. However, there are specific education requirements for transacting long-term care insurance, annuities, or flood insurance business.

License Renewal Eligibility

Licenses are eligible for renewal subject to:

  • The renewal fee of $150 (covers any number of major lines).
  • Compliance with all training materials.
  • All CE requirements must be completed before submitting a renewal application.

Additional Resources

For more detailed information, visit the New Jersey Department of Banking and Insurance’s official website: New Jersey Insurance Licensing.

To renew your license, use the following resources:

Last Updated on 07/25/2025. 

Pre Final Exam Affidavit

Before attempting the final exam for any course, students are required to thoroughly review the course material. As per your State requirements, the self-study exam is closed-book and must be monitored. To pass the self-study final exam, students must achieve a minimum score of 70%.

The monitor must be a disinterested third party, at least 18 years old, with no family or financial connection to the student. A disinterested third party is someone who has no financial stake in the outcome of the exam and is not related to the student.

Please provide the first and last name of the disinterested third party.

Please provide the first and last name of the disinterested third party(Required)
Please type your first and last name to verify that you have met the above requirements(Required)

Pre Final Exam Affidavit

Before attempting the final exam for any course, students are required to thoroughly review the course material. As per your State requirements, the self-study exam is open-book and does not require a monitor. To pass the self-study final exam, students must achieve a minimum score of 70%.

Please type your first and last name to verify that you have met the above requirements.

Please type your first and last name to verify that you have met the above requirements(Required)