- You must score 70% on both the Life exam (83 scored items) and the Accident and Health exam (88 scored items).
- New Jersey common insurance law makes up 14.6% of each exam - the single largest content area on both.
- Each exam runs 3 hours 30 minutes, with 5-19 unscored experimental questions mixed in.
- Licensing after passing requires fingerprinting and an application within one year of your passing score.
Exam Snapshot: Numbers You Must Know
Before you touch a single domain, memorize the mechanics of the New Jersey Life & Health Insurance Producer Exam (NJ-LH). The New Jersey Department of Banking and Insurance sets the requirements, and PSI Services administers the actual test sessions. Life and Accident and Health are separate multiple-choice exams - not one combined test - and you need a passing score on each.
| Exam | Scored Questions | Time Limit | Passing Score |
|---|---|---|---|
| Life | 83 | 3 hours 30 minutes | 70% |
| Accident and Health | 88 | 3 hours 30 minutes | 70% |
| Combined Total | 171 scored | 7 hours total | 70% on each |
Each exam can also include between 5 and 19 unscored experimental items sprinkled in with the scored questions - you won't know which is which, so treat every question as if it counts. For a deeper breakdown of what "hard" actually means for this exam, see How Hard Is the NJ-LH Exam? Complete Difficulty Guide 2026, and for the exact scoring mechanics behind that 70% threshold, read NJ-LH Passing Score 2026: Exactly What You Need to Pass.
Domain-by-Domain Cheat Sheet
The weights below are normalized across all 171 scored questions from both exams combined. Notice that New Jersey common insurance law appears twice - once for Life (Domain 5) and once for Accident and Health (Domain 12) - and together those two domains form the largest content area on the entire exam at 14.6% each. If you only have time to master one thing this week, make it New Jersey common law.
Key Takeaway
Domains 5 and 12 (New Jersey common insurance law) are identical in weight and largely overlapping in subject matter. Study them together, not separately, to avoid duplicating effort.
Life Exam Domains at a Glance
The Life exam draws its 83 scored questions from six domains. Here's what each one actually tests.
Domain 1: Types of Policies (5.3%)
Term, whole life, universal life, variable life, and endowment products. Know the structural differences between each product family, not just definitions.
- Level vs. increasing/decreasing term
- Cash value accumulation mechanics
Domain 2: Policy Riders, Provisions, Options, and Exclusions (12.3%)
The heaviest single Life-only domain. Riders (waiver of premium, accidental death, guaranteed insurability), nonforfeiture options, settlement options, and standard exclusions all live here.
- Grace period and reinstatement provisions
- Dividend options and nonforfeiture values
Domain 3: Completing the Application, Underwriting, and Delivering the Policy (7.0%)
Field underwriting responsibilities, insurable interest, representations vs. warranties, and delivery requirements including the free-look period.
Domain 4: Taxes, Retirement, and Other Insurance Concepts (4.7%)
Tax treatment of premiums and proceeds, annuities, and qualified vs. nonqualified retirement plans.
Domain 5: New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance (14.6%)
Producer licensing rules, unfair trade practices, replacement regulations, and Department of Banking and Insurance authority - tested identically in spirit to Domain 12 on the other exam.
Domain 6: New Jersey Laws, Rules, and Regulations Pertinent to Life Insurance Only (4.7%)
State-specific Life provisions that don't overlap with Accident and Health, including New Jersey-specific policy filing and disclosure rules.
Accident and Health Domains at a Glance
The Accident and Health exam draws its 88 scored questions from seven domains, and it carries its own heaviest concentrations.
Domain 7: Types of Policies (8.2%)
Disability income, long-term care, Medicare supplement, group vs. individual health, and dental/vision products.
Domain 8: Policy Provisions, Clauses, and Riders (11.7%)
The largest Accident and Health-only domain. Coordination of benefits, elimination periods, renewability provisions, and standard exclusions.
Domain 9: Social Insurance (1.8%)
Medicare and Medicaid basics - the smallest domain on either exam, but still worth a few guaranteed points if you know the eligibility structure.
Domain 10: Other Insurance Concepts (2.3%)
Managed care structures, HMOs, PPOs, and cost-containment features.
Domain 11: Field Underwriting Procedures (5.3%)
Application completion, health history disclosure, and initial premium collection for health products.
Domain 12: New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance (14.6%)
Mirrors Domain 5. Same body of common law, tested from the health-product angle.
Domain 13: New Jersey Laws, Rules, and Regulations Pertinent to Accident and Health Insurance Only (7.6%)
State-specific health insurance mandates, continuation rights, and New Jersey-specific health policy requirements.
For a full walkthrough of every domain with more subtopic detail, bookmark NJ-LH Exam Domains 2026: Complete Guide to All 13 Content Areas. If you're still deciding how to sequence your prep across both exams, the NJ-LH Study Guide 2026: How to Pass on Your First Attempt lays out a full-length plan.
Registration, Fees, and Licensing Mechanics
Passing the exam is only step one. Here's the full chain of requirements, in order:
- Complete 20 hours of approved prelicensing education per line, or take the 40-hour combined course covering both Life and Accident and Health.
- Present your course completion certificate when required - these certificates do not expire.
- Pass both the Life and Accident and Health exams at 70% or higher each.
- Complete electronic fingerprinting.
- Submit your license application within one year of your passing score - after that, the score expires and you'll need to retest.
For the complete cost breakdown including prelicensing course pricing and renewal math, see NJ-LH Certification Cost 2026: Complete Pricing Breakdown. If you're unsure whether you meet the eligibility bar before you even schedule a course, check NJ-LH Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Test-Day Rules and Delivery Formats
PSI offers two ways to sit for the NJ-LH exams: an in-person test center or a live online-proctored session from home. Both formats share the same rules:
- No reference materials of any kind are permitted.
- Handheld calculators are prohibited - any math involved is designed to be done without one.
- Remote online-proctored sessions allow no breaks during the 3-hour-30-minute window, so plan your test appointment accordingly if you choose that option.
Key Takeaway
If you tend to need a mid-exam break, book a physical test center instead of the remote option - the no-break rule for online proctoring applies for the full 3.5 hours per exam.
Curious about how testing windows and scheduling deadlines line up with your prelicensing course completion? That's covered in NJ-LH Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Final-Week Review Plan
With 13 domains split across two exams, a scattershot review invites gaps. In the final stretch before your test date, sequence your review by weight, not by textbook chapter order.
New Jersey Common Law (Domains 5 & 12)
- Review producer licensing, unfair trade practices, and replacement rules once - this content covers both exams simultaneously.
Life Riders and Provisions (Domain 2) + A&H Policy Provisions (Domain 8)
- These are the two heaviest single-line domains outside common law; drill rider terminology and provision definitions with practice questions.
Types of Policies (Domains 1 & 7) and State-Specific Rules (Domains 6 & 13)
- Separate Life-only and A&H-only product knowledge from the shared law foundation you already reviewed.
Underwriting, Taxes, and the Small Domains
- Cover Domains 3, 4, 9, 10, and 11 - lower weight individually, but easy points if reviewed together in one sitting.
Run full-length timed practice sets on our NJ-LH practice test platform throughout this week so the 3-hour-30-minute pacing feels familiar before test day. If you want to gauge whether your practice scores translate to real exam performance, review the trends in NJ-LH Pass Rate 2026: What the Data Shows.
Who This License Actually Opens Doors With
Holding an active New Jersey Life and Accident and Health producer license is the baseline credential for selling life insurance, annuities, disability income, long-term care, and health products through carriers and agencies operating in New Jersey. It's the entry credential referenced across insurance carrier recruiting, independent agency hiring, and brokerage onboarding in the state. If you're weighing whether the licensing process is worth the time investment, Is the NJ-LH Certification Worth It? Complete ROI Analysis 2026 and NJ-LH Salary Guide 2026: Complete Earnings Analysis walk through the career angle in more depth, and NJ-LH Jobs surveys where licensed producers actually work.
New to the terminology entirely? Start with What Is NJ-LH?, NJ-LH Meaning, or What Does NJ-LH Stand For? before diving into domain-level study. You can also browse NJ-LH Certification and NJ-LH Training for a broader orientation, or head back to the main practice test hub to start running sample questions right now.
FAQ
They are separate 3-hour-30-minute exams. Whether you schedule them back-to-back or on different days depends on your own testing appointment, but each is scored independently at 70% required to pass.
You retain your passing score on the exam you cleared while you retake the other. Your overall license application requires a passing score on both before submission, and that passing score is valid for one year.
No. Handheld calculators and outside reference materials are prohibited in both the test-center and online-proctored formats.
New Jersey common insurance law, covered in Domain 5 for Life and Domain 12 for Accident and Health, carries the highest weight at 14.6% on each exam and overlaps heavily between the two.
One year. After passing both exams, complete electronic fingerprinting and submit your license application before that one-year window closes.