• N.J.A.C. 11:4-40 - Search www.lexisnexis.com/njoal
• Initial Submission Policy Review Form (PDF - Form contains interactive fields)

• Minimum Requirements for Life and Health Insurer Admission
• Viatical Settlement Provider License Application
• Multiple Employer Welfare Arrangements (MEWAs)
• Special Permit to Issue Charitable Annuities (PDF)
• Special Permit List
• Individual Health Care and Small Employer Health programs
• NJ FamilyCare
• NAIC Buyer's Guide to Fixed Deferred Annuities

The Life Insurance Bureau is responsible for the review and approval of life insurance forms, annuity contracts and synthetic guaranteed investment contract (GIC) forms issued in New Jersey to ensure that they comply with insurance laws and regulations.

This review includes individual and group forms, separate account contracts and credit insurance. The Bureau regulates the rates for credit insurance and rate changes for indeterminate premium forms where the insurer reserves the right to change premiums. The Bureau approves separate accounts for domestic insurers, and reviews forms necessary to implement rehabilitation plans and the restructuring of policies to conform to the terms of such plans.

Note: Questions on agent or broker licensing should be directed to the Insurance Licensing Section.

The Health Insurance Bureau is responsible for the review and approval of individual and group health insurance contracts and rates within the Department’s jurisdiction.

The Bureau reviews all disability income, long term care, Medicare supplement, accident-only, hospital confinement indemnity, dental care and vision care health insurance contracts sold to individuals. The Bureau also reviews and approves rates for such coverages in the individual market.

With the exception of group hospital-medical contracts sold to individuals and small employers, the Bureau is responsible for the review of all group health insurance contracts, group term life insurance contracts, and health maintenance organization contracts.

Note: Questions on producer licensing should be directed to the Insurance Licensing Section.

Note: Consumer complaints and questions involving life and health insurance must be submitted to the Consumer Inquiry and Response Center (CIRC) in writing.