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Life & Health Insurance Producer (New Jersey)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team
TL;DR

Life & Health Insurance Producer (New Jersey): a 172-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (58%) and healthcare.gov (15%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
172
questions in the bank
What this exam covers
5 real sample questions
Amendments to N.J.A.C. 11:4-2.1 expanded New Jersey's replacement rules, which previously applied only to life insurance policies, to also cover:
A. Group health conversion policies
B. Medicare supplement policies
C. Long-term care partnership policies
D. Annuity contracts
Source: N.J.A.C. 11:4-2.1
Under N.J.A.C. 11:17-2.3, a New Jersey business entity applying for a producer license authorized to transact both life and health insurance must disclose the name, address, and license number of any individual owning what minimum percentage of the entity?
A. 5% or more
B. 15% or more
C. 25% or more
D. 10% or more
Source: N.J.A.C. 11:17-2.3
Under N.J.A.C. 11:17-2.3, who is held responsible for the insurance-related conduct of a licensed New Jersey business entity, its branch offices, and its employees?
A. Only the entity's designated compliance officer
B. Only the individual producer who physically signed the license application
C. Licensed officers, partners, and any owner holding a 10% or greater interest in the entity
D. The Commissioner of Banking and Insurance personally
Source: N.J.A.C. 11:17-2.3
A New Jersey business entity's designated responsible licensed producer for its combined life-and-health authority dies unexpectedly. Under N.J.A.C. 11:17-2.10(a), who may apply for a temporary license so the entity can keep operating?
A. Only a New Jersey-licensed life-and-health producer employed at an unrelated agency
B. The entity's largest individual policyholder
C. A surviving spouse, court-appointed representative, or a member or employee of the business entity
D. No one; the business entity's license terminates automatically upon the producer's death
Source: N.J.A.C. 11:17-2.10(a)
Under N.J.S.A. 17:22A-42, after an insurer cancels a producer's agency appointment covering both the life and health lines, within how many days must the insurer file written notice of the cancellation with the Commissioner?
A. 30 days
B. 60 days
C. 10 days
D. 15 days
Source: N.J.S.A. 17:22A-42
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (NJ)May 2025$81,640/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life & Health Insurance Producer (New Jersey) practice test?
172 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Life & Health Insurance Producer (New Jersey) test cover?
11 domains, with the heaviest weight on Annuities, Tax, Retirement, Government Programs, and Consumer Accounts (15%), Applications, Underwriting, Delivery, and Field Responsibilities (15%), and Ethics, Suitability, Advertising, and General Regulation (15%).
Where do CertQuestUSA's Life & Health Insurance Producer (New Jersey) questions come from?
Primarily content.naic.org (58%) and healthcare.gov (15%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Life & Health Insurance Producer (New Jersey)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
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