New Jersey Insurance Producer CE Requirements, Explained
Last reviewed June 2026 against the official sources linked below. Requirements change — always confirm with your board before relying on them.
Total hours
24 hours per term
Renewal cycle
Every 2 years
Ethics requirement
3 hrs (within the 24)
Issued by
NJ Department of Banking and Insurance
New Jersey runs a standard 24-hour, two-year cycle with 3 hours of ethics. The details that matter most are the carryover rules and the timing: you can roll up to 12 general hours into your next term, but ethics hours never carry, and everything has to be finished before you submit your renewal application.
The New Jersey Department of Banking and Insurance (DOBI) oversees producer licensing, and your CE transcript is maintained by PSI. Your license term ends at the end of your birth month, every other year.
The base requirement: 24 hours, 3 of them ethics
Resident individual producers must complete 24 continuing education credits per two-year license term, including at least 3 credit hours in an approved ethics course. The ethics hours count within the 24. One credit hour of professional ethics may be satisfied with one credit hour on insurance fraud, but you cannot take the same course more than once within a two-year term.
Carryover, repeats, and timing
- Up to 12 excess credits can carry into your next renewal term - but ethics hours may not be carried over, and credits can only be carried over once.
- You must complete all CE credits before submitting your license renewal application - finishing after you file does not count for that term.
- You cannot take the same course for credit more than once within a two-year license term.
- Your license term ends at the end of your birth month, every two years.
Stop tracking this in a spreadsheet
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
Start tracking — freeThe multi-state angle
New Jersey's 24/3 headline matches many states, but its carryover math is its own - 12 general hours roll forward, ethics never do, and the surplus only carries once. For a producer who also holds licenses in states with different (or zero) carryover allowances, mixing these rules up is how a planned head start quietly evaporates. The fraud-for-ethics substitution is another New Jersey-specific nuance worth tracking deliberately.
How CredTally keeps this on autopilot
- Track 24 hours with a dedicated 3-hour ethics bucket - the dashboard shows each separately and tracks your general carryover balance up to 12 hours.
- Multi-state producers: every license gets its own card, deadline, and reminders, so New Jersey's birth-month cycle never collides with another state's clock.
- Store every certificate with the course it proves, so DOBI reviews and carryover claims are a download, not a hunt.
- Reminders at 90, 60, 30, and 7 days before each license's deadline, with your remaining hours front and center.
- Export a dated PDF packet - summary plus every certificate - for an audit or carrier review in one click.
Frequently asked questions
How many CE hours do New Jersey insurance producers need?
Twenty-four continuing education credits every two-year license term, including at least 3 credit hours in an approved ethics course.
Can I carry over extra CE credits in New Jersey?
Yes - up to 12 excess credits can carry into your next term, but ethics hours may not be carried over, and credits can only be carried forward once.
When does New Jersey insurance CE have to be done?
Before you submit your license renewal application. Your term ends at the end of your birth month, every two years.
Can insurance fraud CE count toward the New Jersey ethics requirement?
Yes - one credit hour of professional ethics may be substituted with one credit hour related to insurance fraud.
Official sources
CredTally is a record-keeping tool and is not affiliated with any licensing board. This guide is general information, not legal or compliance advice.
CredTally tracks all of this for you
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
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