New Jersey

Yes

Yes

Within 15 days of contracting with the producer, or first business submission

NJ ADC 11:17-2.10(a)(2,3) The insurer must notify the Department within 15 days of contracting with the producer, or within 15 days after the first insurance application is submitted by the producer.

Yes

$25 electronic/$35 paper

$25 electronic and $35 paper

Yes

Yes

No

Yes

Required. Must not precede the effective date of the appointee or the appointer's license. Can be backdated up to 60 days.

Yes

Via NIPR Portal

April 1 through June 5

$25 per company appointment

No

Yes

Voluntary termination; inadequate production; cancelled by general agent; death; company defunct or liquidation; company indebtedness; poor policyholder services; agent moved; appointed in error; request regulatory review

Yes

Required. Must not precede the effective date of the appointee or the appointer's license. Can be backdated up to 60 days

$25 electronic, $35 paper

No

Email notices are permitted

Resident New License Insurance Producer: $170 (Life, Accident & Health or Sickness, Variable Life and Variable Annuity, Property, Casualty, Personal Lines, Surplus Lines, Title. NOTE: LOA addition fee - $20 per application; Limited Lines with Major Lines addition is $75)
Resident New License Insurance Producer: $95 (Car Rental, Credit, Travel, Pet, Legal, Self -Service Personal Property, Bail Bond, Group Mortgage Cancellation. LOA addition fee - $20 per application; Limited Lines with Major Lines addition is $75)
Nonresident New License Insurance Producer: $170 (Life, Accident & Health or Sickness, Variable Life and Variable Annuity, Property, Casualty, Personal Lines, Surplus Lines, Title. NOTE: LOA addition fee - $20 per application; Limited Lines with Major Lines addition is $75)
Nonresident New License Insurance Producer: $95 (Car Rental, Credit, Travel, Pet, Legal, Self -Service Personal Property, Bail Bond, Group Mortgage Cancellation. LOA addition fee - $20 per application; Limited Lines with Major Lines addition is $75)

Resident Renewal Insurance Producer: $150 Resident Renewal Insurance Producer: $75 Nonresident Renewal Insurance Producer: $150 Nonresident Renewal Insurance Producer: $75

90 days before expiration

Last day of birth month every 2 years based on year of first state license issue

Late renewal allowed up to one year after expiration

90 days before expiration

Last day of birth month every 2 years based on year of first state license issue

Late renewal allowed up to one year after expiration

For individual's residential address only

No

Residence, Business, and Mailing

Dental Plan Organization, Risk Retention Group, Life Health Company, Surplus Lines, Public Adjuster, Property Casualty, Insurance Producer, Temporary Producer

Yes

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

Yes

Instructor led, monitored, or independent self study

Original certification must be provided at the time of exam and included with the license application If a waiver of pre-license education is approved, a letter of approval must be attached to the license application.

Each applicant must receive a certificate of completion for pre-licensing education from the course provider. No expiration

An applicant who was previously licensed for the same lines of authority in another state is exempt from pre-licensing and examination requirements if: a. the applicant is in good standing in that state; or b. the application is received within 90 days of cancellation of the previous license and the prior state certifies that the applicant was in good standing at the time of cancellation. Pre-license education may be waived if the applicant: a. held a producer license in another state, which expired less than a year before the waiver application; b. is a veteran of the U.S. armed forces, and completed a course of veteran's education approved by the Commissioner; c. has completed insurance classes at an accredited college or university which are comparable to the required pre-licensing courses; d. is an attorney licensed only for title insurance; e. is seeking a life authority and holds one the following professional designations: I. Certified Employee Benefits Specialist (CEBS); II. Chartered Financial Consultant (ChFC); III. Fellow, Life Management Institute (FLMI); or IV. LUTC Fellow (LUTCF); f. is seeking an accident and health or sickness authority and holds one of the following professional designations: I. Registered Health Underwriter (RHU); II. Certified Employee Benefits Specialist (CEBS); III. Registered Employee Benefits Consultant (REBC); or IV. Health Insurance Associate; g. is seeking property, casualty or personal lines authorities and holds the following professional designations: I. Accredited Adviser in Insurance (AAI); II. Associate in Risk Management (ARM); III. Certified Insurance Counselor (CIC); or IV. Chartered Property and Casualty Underwriter (CPCU); or h. has earned another professional designation the Commissioner deems to satisfy the pre-licensing requirement. A request for a pre-license education waiver must be made before registering for an exam or submitting an application for a producer license. The following documents may be required: a. for new residents, a recent certification letter or status letter issued by the licensing authority of the resident state; b. proof of completion of a course of veteran's education; c. a transcript issued by an accredited college or university where an insurance course was taken and a description of the subject matter covered; d. a certificate of good standing issued by the Clerk of the New Jersey Supreme Court; or e. proof of having earned a professional designation. An applicant who previously surrendered a valid license as a condition of public employment is exempt from pre-license education as long as: a. the employment was insurance-related; and b. application for re-licensing is made within 1 year after the employment is terminated. Waivers expire 90 days after issuance and may be extended only for good cause.

All pre licensing courses must contain insurance regulation content, including: a. state regulatory jurisdiction; b. powers of the Commissioner and methods of regulation; c. producer licensing; d. producer trade practices, standards of conduct and ethics; e. doing business as a licensed producer; and f. insurance fraud detection and prevention. Applicants for the following lines of authority must complete the specified number of hours: a. life and/or variable authorities: 20 total hours, including: I. general life insurance concepts; II. suitability; III. annuities; IV. contracts on a variable basis; and V. New Jersey law and practice regarding life insurance; b. accident and health or sickness authority; 20 total hours, including: I. general health insurance concepts; and II. New Jersey law and practice regarding health insurance; c. property authority: 20 total hours, including: I. general property insurance concepts; II. flood insurance and the National Flood Insurance Program; and III. New Jersey law and practice property and health insurance; d. casualty authority: 20 total hours, including: I. general casualty insurance concepts; II. health insurance concepts; and III. New Jersey law and practice regarding casualty and health insurance; e. title insurance authority: 20 total hours, including: I. general principles of real estate and title insurance; and II. New Jersey law and practice regarding title insurance; and f. personal lines authority: 20 total hours, including: I. general property/casualty principles for personal lines; II. general health insurance principles for individual coverages; and III. New Jersey law and practice regarding property/ casualty and health insurance principles for personal lines products. Insurers that transact limited line credit insurance must provide a program of instruction on credit insurance to all appointed limited line credit insurance producers

Yes, for Resident Licensing

Live Scan

PSI Exams

One Year

NIPR Gateway

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

None

No

Yes

Licensees must notify the Department within 30 days of any change of residence address, business address, legal name, phone number, or e-mail address. a. Proof of this notification must be kept for 5 years, or until an amended license is received. b. A request for name change must be accompanied by the legal document evidencing the name change. c. No fee is required. Contact Change Request is supported via NIPR Gateway.

Individual and Business Entities can process via NIPR

Failure to notify the Department of an address change within 30 days results in a fine of $250.

Optional

Yes

Yes

Portable electronics does not require DRLP and public adjuster must hold active license from NJ.

90 days prior to expiration date until expiration date. Renewal grace period ends 30 days after license expiration. Late renewal period ends 1 year past expiration date.

Yes, if selling insurance

No

Branch office must be licensed

Licensees must notify the Department of a change in any legal name, business name or a change of the address which appears on the license. a. The individual or designated producer may submit a signed and written or electronic request indicating the required change, with supporting documentation if a name change is requested. b. The Department will reissue a new license containing the updated information. Electronic means may also be used. A fee is not required. Contact Change Request supported via NIPR Gateway.

Only Public Adjusters

No

None

Biennially, on the last day of the individual's birth month

Applicant required to show proof and then maintain a $10,000 surety bond from a surety insurer authorized in New Jersey Additionally, (2) passport photos are required for licensure. Nonresident applicants need an active Nonresident license.

No LOA Required

Licensing Fee: $70

Yes

Emergency Adjuster Licenses are not issued, but in the state of emergency adjusters can react based on the bulletins/orders announced by the state.

N/A

Yes

24

2 years

Last day of birth month

Year of first license issuance

Prior to license expiration. The first license period will be anywhere from 18 to 29 months based on your licensure date and birthday.

30 days prior to expiration date

30 days prior to expiration date

Licensees with professional insurance designations can apply for an Alternative Credit exemption form from the state.

Renewals that are submitted more than 30 days but less than a year after the scheduled expiration date will be considered late. These applications should expect late fees to accompany their renewal application. Those trying to renew their license over one year after the expiration date will need to start over and get re-licensed.

Yes, double the CE hours of the students taking the course

Yes

Up to 12 hours of coursework can roll over from one period to the next, with the exception of ethics credits (which may not roll over)

3

3 hours of NFIP course, one-time

8-hour initial certification, with 4 hours of LTC-specific training every two years

One-time, 4-hour course

Public adjusters need 15 hours CE every 2 years

https://sbs.naic.org/solar-external-lookup/license-manager

https://agentsync.io/blog/individual-producers/insurance-continuing-education-new-jersey