State Requirements

New Jersey / Resident Licensing / Individual

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  • Fees shown are state fees only. These fees do not include NIPR transaction fees.
  • All fees are charged per application.
  • Note: Reinstatement fee is the same as the total initial license fee.
  • LOA addition fee - $20.00 per application (Limited Lines with Major Lines addition is $75.00)

Insurance Producer

Line of Authority Combination: Life, Accident & Health or Sickness, Variable Life and Variable Annuity, Property, Casualty, Personal Lines, Surplus Lines, Title

  • Fee: $170.00

Insurance Producer

Line of Authority Combination: Car Rental, Credit, Travel, Pet, Legal, Self -Service Personal Property, Bail Bond, Group Mortgage Cancellation

  • Fee: $95.00

Public Adjuster

  • Fee: $70.00
  • NIPR does not verify exams prior to allowing submission of an application, however, an exam is required prior to the states approval of the request.
  • Please note that license class names can vary by state.
  • Resident Disabled Veterans are exempt from fee below.
PRODUCER

Insurance Producer

Exam Required

  • Life
  • Accident & Health or Sickness
  • Property
  • Casualty
  • Personal Lines
  • Surplus Lines
  • Title
  • Bail Bond

No Exam Required

  • Variable Life and Variable Annuity
  • Car Rental
  • Credit
  • Pet
  • Travel
  • Legal
  • Self-Storage Personal Property
  • Group Mortgage Cancellation
Adjuster

Public Adjuster

Exam Required

  • No Line of Authority Required.

Applicant Can

  • Submit initial license for individuals electronically.
  • Submit surplus lines for individuals.
  • Add lines of authority (amend) to an existing active license.
  • Reinstate through NIPR's Resident License Application.
  • Print Licenses Electronically.

Business Rules

  • Applicant must be at least eighteen (18) years old or older as determined from the applicant's date of birth.

  • An affiliation is not required and the applicant may skip the "Affiliations" page on the uniform application.

  • Applicant must not have another active resident state on the Producer Database.

  • Applicants must not have an inactive resident license in the state with an expiration date in the future.

  • Applicant must not have an active non-resident license in New Jersey.

  • Applicants must provide residence or business address in New Jersey. Residence address cannot be P.O. Box.

  • New Jersey will allow reinstatement of a license through NIPR's Resident License Application if submitted one (1) year after expiration date. If within one year, applicant must late renew using NIPR's Resident Renewal Application.

  • Applicant must currently hold or be applying for life if they are applying for variable.

  • Variable Life and Variable Annuity line of authority applicants must supply a FINRA Central Registry Depository (CRD) number on the application.  If you need to verify your CRD number you may use the Broker Search feature found on FINRA's website

  • Surplus Lines applicants must currently hold or be applying for Property or Casualty lines of authority.

  • Applicants cannot apply for a license amendment to an active license with an expiration date in the past. Applicant cannot amend ac active license after there expiration date. The applicant must late renew or reinstate license prior to submitting an amendment.

  • Letter of clearance is not required when changing your resident state if your resident state license status is available on the Producer Database.

  • Applicants are required to complete required pre-licensing education and successfully pass the New Jersey Producer Licensing exam.  If you successfully pass the state licensing exam, your test results are automatically electronically submitted to the online system. You are not required to complete pre-licensing education or exam if specifically stated in the State Offerings section below.

  • Applicants applying for all exam required lines of authorities and officer, director or owner of ten percent (10%) or more of a business entity seeking licensure must schedule and have their fingerprint impressions taken through the State's Live Scan electronic fingerprint process before applying online. Application cannot be processed until the results of Live Scan are received. Scheduling information for Live Scan and appropriate forms can be found at the Department's state website.

  • Public Adjuster applicants will be deferred to the state for further review. The New Jersey Public Adjusters' Licensing Act requires each licensee to maintain a $10,000 dollar bond from a surety insurer authorized in New Jersey. Proof of bond is required before license will be issued. The law also requires two (2) passport photos. Please provide proof of compliance for bond requirement and two (2) pass port photos to the state.

  • Applicants must answer, "Are you a disabled veteran?" If answer is yes, applicant must send proof to the state of Disabled Veteran status such as a recent letter from the Veteran's Administration.

  • If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax. All other required documentation must be forwarded directly to the state.

Contact Information

Mailing Address

New Jersey Department of Banking & Insurance
P.O. Box 327
Trenton, NJ 08625-0327
United States

Special Instructions

Special Instructions:

 

For affirmative responses to background questions:
Joseph McDougal
New Jersey Department of Banking & Insurance
P.O. Box 329
Trenton, NJ 08625-0329
Licensing Fax: (609) 984-5263
License Processing EMail: inslic@dobi.nj.gov

 

New Jersey Residents must contact IdentoGo in regards to fingerprint information.
They may be contacted at:
Phone: 1-877-503-5981
Hearing Impaired: 1-800-673-0353
Website: http://www.identogo.com

Frequently Asked Questions

Online printing information can be found by going to NIPR's license print page and selecting the state.

One year

PSI: PSI Exams Online

Phone: 1-800-733-9267