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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Completing the Application, Underwriting, and Delivering the Policy | - Application Process - Policy Delivery - Underwriting |
| Retirement and Other Insurance Concepts | - Retirement Plans - Life Insurance Needs Analysis - Qualified Plans |
| State Laws, Rules, and Regulations | - Marketing Practices - New Jersey Insurance Regulations - Producer Licensing Requirements - Ethics and Consumer Protection |
| Policy Riders, Provisions, Options, and Exclusions | - Policy Provisions and Options - Policy Riders - Policy Exclusions |
| Types of Policies | - Interest-Sensitive Life Products - Annuities - Term Life Insurance - Traditional Whole Life Products - Combination Plans and Variations |
Insurance Licensing New Jersey Life Producer Sample Questions:
1. Which of the following dividend options is taxable?
A) Accumulation at interest.
B) Paid-up additions.
C) Return of premium.
D) One-year term.
2. A licensed life or health producer who solicits insurance in New Jersey, has not selected New Jersey as his home state, and resides and maintains the principal office in another state is defined as
A) A reciprocal producer.
B) A foreign producer.
C) A nonresident producer.
D) An alien producer.
3. A beneficiary is protected from creditors' claims in all of the following situations EXCEPT when the beneficiary is the
A) Insured's spouse.
B) Insured's business partner.
C) Insured's estate.
D) Insured's child.
4. What is the result of an insurer approving an incomplete application?
A) The insurer waives the right to that information and must honor the contract.
B) The agent can at any time during the term of the policy complete the application.
C) The death benefit will be subject to review upon the death of the insured.
D) The insured must complete the application after the policy has been issued.
5. Under New Jersey replacement regulations, it is the duty of the replacing insurance company to take all of the following actions EXCEPT
A) Require a list of all policies that will be replaced.
B) Retain a copy of the completed replacement Disclosure Statement.
C) Postpone underwriting until the existing insurer is notified.
D) Require its producers to comply with the regulations.
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: C | Question # 3 Answer: C | Question # 4 Answer: A | Question # 5 Answer: C |
