Getting your insurance license is the first step to becoming an insurance agent in New Jersey. Life insurance, car insurance, home insurance, or business insurance all require a license to sell in any state.
Follow our step-by-step guide to get your insurance license in New Jersey.
Get Your New Jersey Insurance License in Six Easy Steps
Step 1: Choose Which Licenses you Need
Step 2: Pre-License Education
Step 3: Insurance License Exam
Step 4: Fingerprinting and Background Check
Step 5: Insurance License Application
Step 6: Application Review
How To Get Your Insurance License In New Jersey
Step 1. Which Types of Insurance Licenses Do You Need?
Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get.
These are examples of the types of insurance policies you can sell with each type of license:
- Property & Casualty Insurance License – Car Insurance, Home Insurance, Business Insurance, etc…
- Life & Health Insurance License – Life Insurance, Annuities, Health Insurance, etc…
Most insurance agents choose to get both of these licenses, but if you will only sell one type of policy then you just need to choose which license fits your needs.
Step 2. Insurance Pre-License Education
After you’ve determined which licenses you need, you must now take your New Jersey insurance pre-license education courses.
Most folks choose to take their insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. The types of licenses you choose (also known as “lines of authority”) will determine which courses you take.
Each line of authority in New Jersey requires twenty-four (24) hours of pre-license education. This means that if you wish to get a Property and Casualty license, you must take forty-eight (48) hours of pre-licensing, and for Life, Accident, and Health you must also take forty-eight (48) hours.
You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.
New Jersey requires that three (3) of those pre-license education hours must be in ethics coursework.