New Jersey Insurance Continuing Education
We are an approved New Jersey Department of Banking & Insurance education provider (Provider ID#30445). You can find us on the Approved Insurance Education Providers list as 0At Your Pace Online.
Keep your New Jersey insurance producer license current, and complete your CE requirements! At Your Pace Online offers the easiest and most convenient classes, at affordable rates. Take your classes from any internet-capable device - even your smartphone! You can access your classes any time, and work at your own pace.
We also offer adjuster approved continuing education online, scroll down to view our adjuster approved courses!
New Jersey 24 Hour Life & Health Package with Ethics
This course provides all 24 hours of CE that you need! This course will review key concepts and principles of Life and Health insurance. It includes 11 hours of education on Life, 10 hours on Health topics, and 3 hours of Ethics.
NJ Dept. of Banking and Insurance Course ID: 88904132, 88904133, and 88904134
New Jersey 24 Hour Property & Casualty Package with Ethics
This course provides all 24 hours of CE that you need! This course will review key concepts and principles of Property & Casualty insurance. In addition to 21 hours of core P&C topics, this course includes 3 hours of Ethics.
NJ Dept. of Banking and Insurance Course ID: 88904132 and 88904136
New Jersey 15 Hour Adjuster Review
This course provides all 15 hours of CE that you need as a Public Adjuster! This course will review key concepts and principles of Property insurance. This course includes 15 hours of general content.
NJ Dept. of Banking and Insurance Course ID: 88904135
New Jersey 21 Hour Property & Casualty Review
This course will review key concepts and principles of Property & Casualty Insurance. This course provides 21 hours of education on Property and Casualty subjects.
NJ Dept. of Banking and Insurance Course ID: 88904136
New Jersey 11 Hour Life Review
This course provides 11 hours of CE, and reviews key concepts and principles of Life insurance only.
NJ Dept. of Banking and Insurance Course ID: 88904134
New Jersey 10 Hour Health Review
This course provides 10 hours of CE! In it, you will review key concepts and principles of Health insurance only.
NJ Dept. of Banking and Insurance Course ID: 88904133
New Jersey 8 Hour Initial LTC Continuing Education Course
This course meets the mandatory initial continuing education requirement to start selling Long Term Care Insurance for licensed producers. This course will review key principles and concepts related to long-term care insurance policies. This course includes the mandatory exam.
NJ Dept. of Banking and Insurance Course ID: 88896496
New Jersey 4 Hour Annuity Suitability Course
This 4 Hour course will meet your one time Certification Requirements to start selling Annuities in the state of New Jersey.
NJ Dept. of Banking and Insurance Course ID: 88896495
New Jersey 4 Hr LTC Ongoing CE
This course applies to producers who need to renew their Long-Term Care Certification to continue selling LTC Insurance. This course will review key principles and concepts related to long-term care insurance policies.
NJ Dept. of Banking and Insurance Course ID: 88896494
New Jersey 3 Hour Ethics Review
This course applies to producers in all lines, and includes Ethics for Insurance Producers. This course satisfies the 3 hour ethics requirement for all NJ insurance producers.
NJ Dept. of Banking and Insurance Course ID: 88904132
New Jersey 3 Hour NFIP Review (Adjuster Approved)
This 3 Hour course will meet your one time Certification Requirements to start selling Flood Insurance in the state of New Jersey. It will also count as 3 hours of continuing education for a Public Adjuster. This course includes the mandatory exam.
NJ Dept. of Banking and Insurance Course ID: 88896183
New Jersey 3 Hour Homeowners Review (Adjuster Approved)
This course provides 3 hours of Homeowners CE. This course will review key concepts and principles of Homeowners insurance.
NJ Dept. of Banking and Insurance Course ID: 88896182
New Jersey Insurance Continuing Education Requirements
Resident producers must complete a minimum of 24 credit hours of New Jersey-approved continuing education subjects each biennial (two-year) license term. At least three of these hours must be in ethics subjects. A licensee may complete courses approved for any line of authority to meet their remaining credit total.
Resident adjusters must complete a minimum of 15 credit hours of approved adjuster-specific coursework each renewal period.
CE coursework may be completed in-classroom, online, or through self-study.
Additional guidelines to this CE requirement exist for licensees who sell specific products, including:
- Annuities: Resident producers must complete a one-time, four-hour training course prior to selling annuity products.
- Life and Health insurance: Producers must complete a one-time, eight-hour NAIC-approved long-term care (LTC) training course and four hours of ongoing LTC training every renewal period.
- Flood insurance: Resident producers must complete a one-time, three-hour course that covers the minimum training requirements established by FEMA and the National Flood Insurance Program (NFIP). This training should be completed in the first renewal period following license issuance.
Per state regulations, companies are required to provide fraud awareness training to employees as well.
Rules for Non-Residents
Non-residents in compliance with their own state's CE requirements are exempt from completing New Jersey CE, provided the home state's requirements are similar to those set by New Jersey law. This non-resident exemption applies to CE requirements for public adjusters and producers selling annuity and LTC products.
Non-resident producers who do not have a CE requirement in their state may be required to comply with standards set for their line of work by New Jersey.
The New Jersey Department of Banking and Insurance may verify a non-resident's compliance and standing with their home state's license requirements.
Carryover of Excess CE
Excess CE credit hours earned cannot be carried over from one biennium to the next.
Insurance License Term Renewal Requirements
The license expiration date is on the last day of the licensee's birth month every other year, based on the original year of licensing. For example, if your birthday is any time in January, your license will need to be renewed by January 31 every two years.
Licensees are eligible to renew their license within 90 days prior to this expiry date, provided all CE requirements are met.
The New Jersey Department of Banking and Insurance sends licensees a renewal notice approximately 30 days before their license expiration date. This courtesy reminder is sent to the licensee's address on file with the Department. It is the licensee's responsibility to keep their contact information up to date with the Department and report any changes within 30 days. This can be done online through the NIPR's Address Change Request form.
Both resident and non-resident licensees in compliance with CE requirements may renew by mail or online at the NIPR website. There is an additional $20 fee for renewals processed by mail.
The license renewal fee is:
- $150 for producers
- $75 for producers who only have a limited line license
- $50 for adjusters
Licensees who fail to meet the requirements for license renewal have 30 days after its expiration to comply. After this grace period, licensees may renew their expired license within one year of the lapsed date. A penalty fee will be applied to late renewals.
Rules for Taking the Exam
Only self-study courses require a monitored exam. These exams are closed book and students are not permitted to access course materials during the exam. The acting monitor must be an unbiased third party. Family members, friends, employers, colleagues, or anyone with a financial interest in the licensee's successful course completion cannot act in this monitor role.
A score of 70 percent or higher is required to receive the CE credit, and unlimited retakes are permitted until a passing score is achieved.
A monitored exam is not required for online courses approved by the Department. Online courses instead may include short quizzes to test student comprehension, which requires a passing score of 70 percent. Classroom and webinar courses are based on attendance and participation and do not require an exam.
Rules for Repeating a Course
Credit will be granted only once for the completion of the same course repeated during an individual renewal period. A course can, however, be repeated for CE credit in different renewal periods.
Credit for Instructors
CE course instructors are eligible to receive the same credit as the students enrolled in the course. However, they are only eligible to receive credit for an individual course taught once per renewal period.
Credits must be reported within 30 days of course completion, which should be submitted to the state directly by the course provider. Be sure to keep a copy of each certificate in your files for at least five years.
It is recommended that you complete all CE at least 30 days prior to your license expiration date to give the CE provider sufficient time to report successful completions to the New Jersey Department of Insurance. However, CE courses can be completed at any time within the current license term.
Insurance CE Requirement Exemptions
Some resident licensees may qualify for full or partial CE exemptions including:
- Limited lines producers
- Licensees with an insurance designation who comply with CE requirements to maintain that designation
- Licensees who have taken insurance coursework from an accredited college or university
Licensees who qualify for CE exemption must file an Alternative Credit Form with the New Jersey Department of Insurance. This form is available at the Department's website and must be submitted with an official document or transcript detailing alternative credits earned.
Annuity Insurance Requirements
Producers intending to sell, solicit, or negotiate annuity products in New Jersey must complete a one-time, four-hour certification training course.
Commonly termed the Annuity Suitability Course, this training reviews:
- The fundamentals of annuity contracts, individual suitability, and sales practices
- Variable and fixed annuities, immediate and deferred plans, and different types of premiums and appropriate tax rules
Long-Term Care Training Requirements
Producers in New Jersey selling long term care policies are required to complete an initial one-time, eight-hour LTC training course. To maintain a license, producers must complete four hours of LTC training every biennial renewal period. This training can apply to the licensee's CE renewal requirements.
This ongoing training covers subjects including:
- The history of long-term care
- How to build an LTC policy
- The difference between tax-qualified and non-tax-qualified plans
- Alternatives that exist for individual clients
Continuing-Education State Approval Letters
State of New Jersey
Department of Banking and Insurance
September 5, 2014
Mike Melvin, Director
Your Pace Online
1607 Williams Highway
Grants Pass, OR 95727
Re: Continuing Education Course Approval Notification
Dear Mr. Melvin:
The following courses have been approved in accordnace with the New Jersey Insurance Producer Licensing Act of 2001 and New Jersey Administrative Code, N.J.A.C. 11:17-3.6.
Approval Date: 09/05/2014
Course Name: (P/C) 24 Hour P & C Review
Course Code: 88895767
Approval Date: 09/05/2014
Course Name: (E) 24 Hour P & C Review
Course Code: 88895768
Providers are responsible for compliance with NJ.A.C. 11:17-(3.2 b) notifying the Department quarterly as to their schedule of course offerings and immediately upon a course cancellation or other changes in the submitted schedule. Providers offering public courses enter their schedules using the PSI Services, Inc. website. Providers offering courses not open to the general producer community must e-rnail their schedules to the attention of jill.pierson@dobLstate.nj.us
Joseph A. McDougal
New Jersey Department of Banking and Insurance
Office of Consumer Protection Services
(609) 292-4337 ext. 50552