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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!

$44 TOP SELLER

New Jersey 24 Hour Life & Health Package

clock hour icon 24h course

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 21 hours of education on Life & Health topics, and 3 hours of ethics. This course also includes the mandatory exam.

NJ Dept. of Banking and Insurance Course ID: 88896184, 88896185 & 88896186

4.4 330 Reviews
$44

New Jersey 24 Hour Property & Casualty Review

clock hour icon 24h course

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, and the mandatory exam.

NJ Dept. of Banking and Insurance Course ID: 8889567 & 88895768

4.3 113 Reviews
$44

New Jersey 15 Hour Property Review (Adjuster Approved)

clock hour icon 15h course

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 (Property & Public Adjuster) content and the mandatory exam.

NJ Dept. of Banking and Insurance Course ID: 88896181

4.7 66 Reviews
$36

New Jersey 21 Hour Property & Casualty Review

clock hour icon 21h course

This course will review key concepts and principles of Property & Casualty Insurance. This course provides 21 hours of education on Property and Casualty subjects, and the mandatory exam.

NJ Dept. of Banking and Insurance Course ID: 88895767

4.3 9 Reviews
$29

New Jersey 11 Hour Life Review

clock hour icon 11h course

This course provides 11 hours of CE, and reviews key concepts and principles of Life insurance only. This course includes the mandatory exam.

NJ Dept. of Banking and Insurance Course ID: 88896185

4.0 10 Reviews
$26

New Jersey 10 Hour Health Review

clock hour icon 10h course

This course provides 10 hours of CE! In it, you will review key concepts and principles of Health insurance only. This course includes the mandatory exam.

NJ Dept. of Banking and Insurance Course ID: 88896184

3.7 10 Reviews
$19

New Jersey 8 Hour Initial LTC Course

clock hour icon 8h course

This course meets the mandatory education requirement to start selling Long Term Care Insurance. 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

4.4 20 Reviews
$14

New Jersey 4 Hour Annuity Suitability Course

clock hour icon 4h 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

4.1 14 Reviews
$14

New Jersey 4 Hr LTC Ongoing CE

clock hour icon 4h course

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

4.7 10 Reviews
$13

New Jersey 3 Hour Ethics Review

clock hour icon 3h course

This course applies to producers in all lines. It includes Ethics for Insurance Producers. This course satisfies the 3 hour ethics requirement for all NJ insurance producers. This course includes the mandatory exam.

NJ Dept. of Banking and Insurance Course ID: 88895768

4.3 71 Reviews
$13

New Jersey 3 Hour NFIP Review (Adjuster Approved)

clock hour icon 3h course

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

4.2 9 Reviews
$10

New Jersey 3 Hour Homeowners Review (Adjuster Approved)

clock hour icon 3h course

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

4.5 17 Reviews

New Jersey Insurance Continuing Education Requirements

Resident 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, three hours of which must be in ethics subjects.

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.

 

Reporting Rules

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

 

This is to certify that 

 

0At YOUR PACE ONLINE

30445

 

is an approved insurance education provider pursuant to NJAC 11:17-3, hereby issued by the 

New Jersey Department of Banking and Insurance

 for the period:

 

beginning 02/01/2019 and ending 01/31/2023

 

Authorization: Producer Continuing Education

 

Joseph A. McDougal

Consumer Protection Services

 

State of New Jersey 

Department of Banking and Insurance

 

January 7. 2015

 

Mike Melvin, Director

Your Pace Online

1607 Williams Highway

Suite #6

Grants Pass, OR 95727

 

Re: Continuing Education Course Approval Notification 

Insurance Education Provider Code # 30445. 

 

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: 01/06/2015

Course Name: (P/PA) 15 Hour Property Review

Course Code: 88896181

Credits: 15

_____________________________________________________________

 

Approval Date: 01/06/2015

Course Name: (PA) 3 Hour Homeowners Review

Course Code: 88896182

Credits: 3

 

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

 

Sincerely,

 

Joseph A. McDougal

New Jersey Department of Banking and Insurance 

Office of Consumer Protection Services

(609) 292-4337 ext. 50552

joseph.mcdougal@dobi.state.nj.us

 

 

State of New Jersey 

Department of Banking and Insurance

 

September 5, 2014

 

Mike Melvin, Director

Your Pace Online

1607 Williams Highway

Suite #6

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

Credits: 21

_____________________________________________________________

 

Approval Date: 09/05/2014

Course Name: (E) 24 Hour P & C Review 

Course Code: 88895768

Credits: 3

 

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

 

Sincerely,

 

Joseph A. McDougal

New Jersey Department of Banking and Insurance 

Office of Consumer Protection Services

(609) 292-4337 ext. 50552

joseph.mcdougal@dobi.state.nj.us