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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Retirement and Other Insurance Concepts | - Life Insurance Needs Analysis - Qualified Plans - Retirement Plans |
| State Laws, Rules, and Regulations | - Producer Licensing Requirements - New Jersey Insurance Regulations - Marketing Practices - Ethics and Consumer Protection |
| Types of Policies | - Term Life Insurance - Interest-Sensitive Life Products - Traditional Whole Life Products - Combination Plans and Variations - Annuities |
| Completing the Application, Underwriting, and Delivering the Policy | - Policy Delivery - Application Process - Underwriting |
| Policy Riders, Provisions, Options, and Exclusions | - Policy Exclusions - Policy Provisions and Options - Policy Riders |
Insurance Licensing New Jersey Life Producer Sample Questions:
Which of the following is most likely used for underwriting purposes and includes information on an applicant's character and personal habits?
- A. Buyer's Guide.
- B. Medical Information Bureau report.
- C. Investigative consumer report.
- D. Agent report.
Correct Answer: C 🗳️
Explanation: Only visible for Real4Prep members. You can sign-up / login (it's free).
If a life policy is replaced by a new life policy, all of the following forms are needed EXCEPT
- A. A statement signed by the agent.
- B. A Policy Summary.
- C. A statement signed by the applicant.
- D. A complete dividend history of the policy to be replaced.
Correct Answer: D 🗳️
Explanation: Only visible for Real4Prep members. You can sign-up / login (it's free).
Which of the following transactions would not be subject to income tax under a Modified Endowment Contract (MEC)?
- A. The death benefit.
- B. Policy loans.
- C. Dividend surrenders.
- D. Policy withdrawals.
Correct Answer: A 🗳️
Explanation: Only visible for Real4Prep members. You can sign-up / login (it's free).
A producer who is authorized by an insurance company to solicit, negotiate, or sell insurance contracts is acting as
- A. A financial consultant.
- B. An insurance consultant.
- C. An insurance agent.
- D. An insurance broker.
Correct Answer: C 🗳️
Explanation: Only visible for Real4Prep members. You can sign-up / login (it's free).
An agent's underwriting duties include which of the following?
- A. Completing all applications and collecting initial premiums.
- B. Setting premium amounts.
- C. Declining or accepting an application.
- D. Issuing the policy.
Correct Answer: A 🗳️
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