General Requirements
New Jersey Major Lines Licensed Insurance Agents are required to complete 24 credits of continuing education every 2 years prior to their license expiration date. Of the 24 Credits required, 3 credits must be done in the category of Ethics Training. The remaining requirements are “non-license type specific”: Agents can take courses in any topic as long as they are approved by the New Jersey Department of Insurance.
Major Lines licenses include:
- Life, Accident and Sickness
- Property and Casualty
- Personal Lines
Producers licensed in multiple major lines (Property and Life, for example) are only required to meet the same requirements as Producers with single lines of licensing. In other words: the maximum number of credits you need to earn is 24 – regardless of how many license lines of authority you hold.
Agents must complete their CE Requirements prior to their license expiration date to be eligible to renew their license. Licenses can be renewed online through NIPR.com, or Sircon.com. The renewal
fee is $150 for any number of major-lines licenses being renewed.
Licenses are eligible for renewal when:
- all CE Requirements have been completed
- when the licensee is within 90 days of their license expiration date
Special Training Requirements
There are special training requirements for New Jersey insurance agents who sell certain products. These courses count towards your CE Requirements.
Flood Insurance
New Jersey insurance agents who sell Flood Insurance must complete a 1 – time, 3 hour Flood Training Course.
Long Term Care
New Jersey insurance agents may not sell, solicit or negotiate a Long-Term Care Partnership policy unless the individual has completed an initial 8 Hour Long Term Care training course. Agents must also complete ongoing training consisting of a 4 Hour Long Term Care training course every compliance period following.
Annuity Training
Any New Jersey life insurance agent who sells, solicits or negotiates an annuity product must complete a one-time, 4 Hour Annuity Suitability course prior to selling.
CE Exemptions and Reductions
There are currently no exemptions from CE Requirements New Jersey insurance agents.
Individuals with disabilities may contact the department of insurance at 609-940-7480, to discuss available options.
Agents who hold professional designations that require continuing education as part of the certification may receive up to 12 hours of continuing education credits. To receive these credits, agents should use the Alternative Continuing Education Credit Application.
Course Repeat Restrictions
Agents will not receive credit for the same course taken within the same renewal period.
Carryover Credits
Agents will not receive carryover credits for future renewals for courses taken in excess of the 24 credit requirement.
Late Renewal and Reinstatements
New Jersey allows for late renewal with no penalty for up to 30 days beyond the licensee’s expiration date. After 30 days the license is considered inactive, and licensees are prohibited from practicing insurance. Agents then have up to one year beyond their original expiration date to reinstate their license for an additional fee of $100. Late renewals and reinstatements should be submitted using the NIPR Renewal Application.
New Jersey Insurance Agent Continuing Education & Renewal Requirements Summary
| Renewal Term | Every 2 Years |
| Renewal Date | Last Day of Birth Month – Every 2 Years |
| CE Requirements | 24 Credits Total (3 in Ethics) |
| Course Requirements | Non-License Type Specific (Courses May Be Taken in Any Approved Subject Matter) |
| Special Training | Flood – 1 Time Prior to Selling; Annuities – 1 Time “Annuity Training Course”; Long Term Care – 8 Hour Initial, 4 Hours Every Renewal Period Following |
| Exemptions | None |
| Renewal Fee | $150 |
| Renewal Site | NIPR.com or Sircon |
| Late Renewal, Reinstatement, Fees | Up to 30 Days – No Fee. 30 Days to 1 year – $250. After 1 Year – Relicense |
| Carryover Credits | None |
| Course Repeat Restrictions | No Credits for Repeat Course within Same Renewal Period |
New Jersey Department of Insurance Contact Information
Website: https://www.nj.gov/dobi/inslic.htm
Phone: 609-292-7272
Email: inslic@dobi.nj.gov
NJ Department of Banking and Insurance
20 West State Street
PO Box 325
Trenton, NJ 08625
