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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Topic 1: Types of Policies | - Annuities - Traditional Whole Life Products - Interest-Sensitive Life Products - Term Life Insurance - Combination Plans and Variations |
| Topic 2: State Laws, Rules, and Regulations | - New Jersey Insurance Regulations - Ethics and Consumer Protection - Producer Licensing Requirements - Marketing Practices |
| Topic 3: Retirement and Other Insurance Concepts | - Qualified Plans - Retirement Plans - Life Insurance Needs Analysis |
| Topic 4: Completing the Application, Underwriting, and Delivering the Policy | - Underwriting - Policy Delivery - Application Process |
| Topic 5: Policy Riders, Provisions, Options, and Exclusions | - Policy Riders - Policy Provisions and Options - Policy Exclusions |
Insurance Licensing New Jersey Life Producer Sample Questions:
1. What is the purpose of the automatic premium loan rider?
A) Protects the policyowner against an unintentional lapse of coverage.
B) Guarantees the insured the right to purchase additional insurance without evidence of insurability.
C) The insurer will pay the premium if the insured is permanently disabled.
D) Allows partial surrender of a term policy.
2. An agent's underwriting duties include which of the following?
A) Completing all applications and collecting initial premiums.
B) Declining or accepting an application.
C) Setting premium amounts.
D) Issuing the policy.
3. Which type of insurance policy is characterized by premiums that are fully paid up within a stated period, after which no further premiums are required?
A) Lump sum insurance.
B) Limited payment life insurance.
C) Prepaid premium insurance.
D) Basic installment insurance.
4. In New Jersey, an insurance company formed in New Jersey with offices in New York is a
A) Alien insurer.
B) Foreign insurer.
C) Domestic insurer.
D) Mutual insurer.
5. All of the following items may be considered forms of advertising for life insurance EXCEPT
A) Informational brochures.
B) Sales presentations.
C) Buyer's Guides.
D) Audiovisual materials.
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: A | Question # 3 Answer: B | Question # 4 Answer: C | Question # 5 Answer: C |
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