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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Policy Riders, Provisions, Options, and Exclusions | - Policy Exclusions - Policy Provisions and Options - Policy Riders |
| Completing the Application, Underwriting, and Delivering the Policy | - Policy Delivery - Application Process - Underwriting |
| State Laws, Rules, and Regulations | - Ethics and Consumer Protection - Producer Licensing Requirements - Marketing Practices - New Jersey Insurance Regulations |
| Types of Policies | - Term Life Insurance - Traditional Whole Life Products - Annuities - Combination Plans and Variations - Interest-Sensitive Life Products |
| Retirement and Other Insurance Concepts | - Retirement Plans - Life Insurance Needs Analysis - Qualified Plans |
Insurance Licensing New Jersey Life Producer Sample Questions:
A type of life insurance policy that provides for payment of the face amount at the end of the specified period if the insured is still alive is
- A. A modified life insurance policy.
- B. A universal life insurance policy.
- C. An endowment policy.
- D. A juvenile trust.
Correct Answer: C 🗳️
Explanation: Only visible for Exam4Free members. You can sign-up / login (it's free).
The premium mode defines the
- A. Premium limit.
- B. Premium amount.
- C. Frequency of the premium payment.
- D. Method of premium payment.
Correct Answer: C 🗳️
Explanation: Only visible for Exam4Free members. You can sign-up / login (it's free).
A group life contract that lapses because of nonpayment of premium will continue to cover losses incurred by the insured for
- A. A maximum of 30 days after the grace period expires.
- B. A maximum of 45 days after the last premium is paid.
- C. The duration of the grace period.
- D. A maximum of 30 days after the last premium is paid.
Correct Answer: C 🗳️
Explanation: Only visible for Exam4Free members. You can sign-up / login (it's free).
The proposed insured's statements on a life insurance application are considered to be
- A. Warranties.
- B. Misrepresentations.
- C. Absolute statements.
- D. Representations.
Correct Answer: D 🗳️
Explanation: Only visible for Exam4Free members. You can sign-up / login (it's free).
Generally, the maximum percentage of the face amount paid under an Accelerated Death Benefit would be
- A. 10%.
- B. 50%.
- C. 100%.
- D. 200%.
Correct Answer: B 🗳️
Explanation: Only visible for Exam4Free members. You can sign-up / login (it's free).
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