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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Underwriting and Policy Issuance | - Risk classification
|
| Life Insurance and Annuities | - Annuity basics
|
| Life Insurance Fundamentals | - Types of life insurance policies
|
| State Regulations (New Jersey) | - Insurance laws and ethics
|
Insurance Licensing New Jersey Life Producer Sample Questions:
1. If a policyowner chooses to pay premiums for a specified number of years, this permanent life insurance policy is referred to as
A) A limited-pay policy.
B) A variable whole life policy.
C) An adjustable life policy.
D) A graded-premium whole life policy.
2. Which of the following statements is correct about an employment agreement between two producers?
A) It must be witnessed by two disinterested parties.
B) A copy must be filed with each producer's attorney.
C) It must be in writing.
D) It is nonbinding.
3. Jerry purchased a life insurance policy and deliberately misstated his age in order to reduce his premium payment. The insurer did not discover Jerry's misrepresentation until a claim was filed on the policy when Jerry was killed in a car accident. In this situation, it is likely that the insurer will
A) Decrease the cash surrender value of the policy by the amount of premium that should have been paid.
B) Collect all proper back premiums, plus interest based on Jerry's true age, from the policy proceeds.
C) Decrease the amount of proceeds to whatever the premium paid would have purchased at the correct age.
D) Deny payment of policy proceeds based on Jerry's material misrepresentation of age at the inception of the policy.
4. What is the purpose of the automatic premium loan rider?
A) Protects the policyowner against an unintentional lapse of coverage.
B) Allows partial surrender of a term policy.
C) The insurer will pay the premium if the insured is permanently disabled.
D) Guarantees the insured the right to purchase additional insurance without evidence of insurability.
5. An insured has a $100,000 policy with an accidental death benefit rider. If he dies on his way to work due to a heart attack, what will the insurer pay?
A) $150,000.
B) $200,000.
C) $250,000.
D) $100,000.
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: C | Question # 3 Answer: C | Question # 4 Answer: A | Question # 5 Answer: D |
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