Life Insurance & Insurance Careers in New Jersey
Protecting families and developing agents across New Jersey — from Trenton to Newark, Jersey City, Paterson and beyond.
Estimates only — confirm current requirements with the New Jersey Department of Banking and Insurance and NIPR.com.
We help New Jersey families in Newark, Jersey City and Paterson compare life insurance across multiple national life insurance carriers. New Jersey requires 20 hours of approved pre-licensing education for the Life line before you can sit the state exam.
Protecting New Jersey families
Life happens fast in Newark, Trenton, and communities across New Jersey. A life insurance policy is one of the most important financial decisions a family can make — making sure the people who depend on you are taken care of no matter what.
Sahlman Insurance Group is an independent agency, which means we don't push a single product. We shop multiple national life insurance carriers to find coverage that fits your family's situation and budget — whether that's term life to replace your income, whole life for permanent protection and final expenses, universal life for flexibility, or coverage for your children that locks in low rates early.
A coverage review and quote are always free and come with no obligation. Insurance availability in New Jersey varies by carrier and product — a licensed agent will walk you through your options.
Families and agents across New Jersey
From Trenton to the state's largest communities — Sahlman agents help families get covered and help driven people build careers.
- Newark, NJ
- Jersey City, NJ
- Paterson, NJ
- Trenton metro area
- Communities statewide
Don't see your city? We serve clients across all of New Jersey — wherever you are, reach out and we'll connect you.
Build an insurance career in New Jersey
New Jersey is a great state to launch an insurance career. Here's a licensing snapshot and how Sahlman can help you get there.
New Jersey Licensing Snapshot
- Pre-licensing education
- 20 hours (Life)
- State & exam fees
- From $273 (For an online filing, includes the exam fee, $20 application, $150 license, and $66.05 fingerprinting. Excludes course tuition.)
- Exam administered by
- PSI Services
- State capital
- Trenton
Why launch your career with Sahlman?
Getting licensed is step one. Building a real career is a different challenge — and that's where most new agents struggle alone. At Sahlman Insurance Group, we invest in the people we bring on.
- Hands-on mentorship — coached from day one, not handed a login
- Access to multiple national life insurance carriers, so you can serve more clients
- A clear path: licensed → appointed → producing → leadership
- A full-time career, with your own schedule as an independent contractor
- Work from Trenton or anywhere in New Jersey — or remotely
- Commission-based income (see our disclosures for realistic expectations)
How to get your insurance license in New Jersey
The steps below reflect the New Jersey licensing path — always verify current requirements with the New Jersey Department of Banking and Insurance before starting.
- 1
Complete your pre-licensing education
20 hours (Life)New Jersey requires 20 hours of state-approved pre-licensing education for the Life line before you may sit the Life Producer examination. Hours are counted per line, so Life plus Health is 40 hours. Work through an approved provider, and confirm which course formats New Jersey accepts before you enroll.
- 2
Pass the state insurance licensing exam
PSI ServicesRegister for and pass the New Jersey life insurance licensing exam, administered by PSI Services. Fees and scheduling change periodically — confirm current details with the New Jersey Department of Banking and Insurance or via NIPR before booking.
- 3
Complete your background check
fingerprinting varies by stateThe license application includes a background check, and many states also require fingerprinting. Confirm New Jersey's exact requirements — and the current process and approved vendors — on the New Jersey Department of Banking and Insurance website.
- 4
Submit your license application
via NIPR or state portalApply for your license through the New Jersey Department of Banking and Insurance portal or NIPR.com. Pay the application fee and submit any required documentation. Processing times vary.
- 5
Get appointed and start protecting families
with Sahlman by your sideOnce licensed, you'll need carrier appointments to sell. At Sahlman Insurance Group, we walk you through appointments with multiple national life insurance carriers and mentor you through your first client appointments.
Official New Jersey Resources
- New Jersey Department of Banking and InsuranceOfficial licensing requirements, forms, and applications
- NIPR.comNational insurance producer licensing portal
- NAIC State Department DirectoryFind all state insurance regulators in one place
Ready to get started?
Once you're licensed, Sahlman Insurance Group helps you take the next step — carrier appointments, mentorship, and a clear path to building a book of business in New Jersey.
FAQ — Insurance in New Jersey
Common questions about life insurance coverage and building an insurance career in New Jersey.
Does Sahlman Insurance Group serve clients in New Jersey?
Yes. Sahlman Insurance Group is headquartered in Charlotte, NC and serves families throughout New Jersey. We can help families in Newark, Jersey City, Paterson and across the state find the right life insurance coverage.
What life insurance products are available in New Jersey?
We help New Jersey families with term life, whole life, universal life, children's whole life, accidental death insurance, and annuities & retirement strategies. Because we're independent, we shop multiple national life insurance carriers to find the right fit for your family and budget.
How much does it cost to get a life insurance license in New Jersey?
Mandatory state and exam fees in New Jersey start at about $273. For an online filing, includes the exam fee, $20 application, $150 license, and $66.05 fingerprinting. Excludes course tuition. Approved pre-licensing coursework is an additional cost and varies by provider. Fees change — confirm current amounts with the New Jersey Department of Banking and Insurance at https://www.nj.gov/dobi/ and NIPR before budgeting.
What are the pre-licensing requirements in New Jersey?
New Jersey requires 20 hours of state-approved pre-licensing education for the Life line before you may sit the Life Producer examination. Hours are counted per line, so Life plus Health is 40 hours. The New Jersey life exam is administered by PSI Services. Always confirm current requirements with the New Jersey Department of Banking and Insurance at https://www.nj.gov/dobi/, since states change these rules.
Do I need experience to start a career at Sahlman Insurance Group?
No experience is required. Many of our agents start from scratch. We help you get licensed and then mentor you hands-on through your first appointments. Income is commission-based and not guaranteed — see our disclosures for full details.
More questions? See the full FAQ or contact our team.
Protect what matters most
Get a free, no-pressure coverage review with a licensed Sahlman agent — or explore a mentor-led career in insurance. We’ll give you a straight answer either way.
Prefer to talk first? Call (704) 312-8212