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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Topic 1: Policy Riders, Provisions, Options, and Exclusions | - Policy Exclusions - Policy Provisions and Options - Policy Riders |
| Topic 2: Retirement and Other Insurance Concepts | - Retirement Plans - Qualified Plans - Life Insurance Needs Analysis |
| Topic 3: Completing the Application, Underwriting, and Delivering the Policy | - Application Process - Policy Delivery - Underwriting |
| Topic 4: Types of Policies | - Interest-Sensitive Life Products - Term Life Insurance - Combination Plans and Variations - Traditional Whole Life Products - Annuities |
| Topic 5: State Laws, Rules, and Regulations | - New Jersey Insurance Regulations - Marketing Practices - Ethics and Consumer Protection - Producer Licensing Requirements |
Insurance Licensing New Jersey Life Producer Sample Questions:
1. 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.
2. What does the Fair Credit Reporting Act give the consumer the right to do?
A) Request a copy of their credit report and an explanation of it from their agent.
B) Deny the insurer access to their credit report.
C) Question the validity and source of any credit information collected and retained by the insurer.
D) Decide which credit agency the insurer can pull their information from.
3. One area in which errors are commonly made on life insurance applications and for which the incontestable clause does not apply is
A) Education level.
B) State of residence.
C) Occupation.
D) Age.
4. What is the purpose of the Accelerated Death Benefit Rider?
A) To provide for the early payment of the death benefit for a terminally ill insured.
B) To increase the death benefit by a stated percentage.
C) To decrease the tax liability of the insured's estate.
D) To adjust the death benefit to keep up with inflation.
5. Nancy purchased a life insurance policy with a face amount of $250,000. Over a period of years, the cash value in the policy accumulates to $50,000, and the face amount of the policy has become $300,000. This is an example of a
A) Universal life policy.
B) Modified premium whole life policy.
C) Participating whole life policy.
D) Limited-pay life insurance policy.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: C | Question # 3 Answer: D | Question # 4 Answer: A | Question # 5 Answer: A |
