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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Topic 1: Retirement and Other Insurance Concepts | - Qualified Plans - Retirement Plans - Life Insurance Needs Analysis |
| Topic 2: Types of Policies | - Combination Plans and Variations - Term Life Insurance - Traditional Whole Life Products - Interest-Sensitive Life Products - Annuities |
| Topic 3: Completing the Application, Underwriting, and Delivering the Policy | - Policy Delivery - Underwriting - Application Process |
| Topic 4: Policy Riders, Provisions, Options, and Exclusions | - Policy Provisions and Options - Policy Riders - Policy Exclusions |
| Topic 5: State Laws, Rules, and Regulations | - Marketing Practices - Producer Licensing Requirements - New Jersey Insurance Regulations - Ethics and Consumer Protection |
Insurance Licensing New Jersey Life Producer Sample Questions:
1. Which of the following actions by a producer is considered an unfair method of competition?
A) Securing insurance for a client at a cheaper price than a competitor.
B) Overstating the benefits of an insurance policy.
C) Using television to advertise.
D) Offering broader coverages than a competitor.
2. A Policy Summary must include all of the following information EXCEPT the
A) Effective policy loan annual percentage interest rate, where applicable.
B) Dividend history of the insurance company writing the policy.
C) Generic names of the basic policy and each rider.
D) Full name and home office address of the insurance company writing the policy.
3. 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 applicant.
B) A statement signed by the agent.
C) A Policy Summary.
D) A complete dividend history of the policy to be replaced.
4. The principle that insurance is not a transaction of commerce and therefore should be regulated by the states was established by
A) The McCarran-Ferguson Act.
B) Paul v. Virginia.
C) U.S. v. South-Eastern Underwriters Association.
D) Public Act 15.
5. Which of the following is not among the rights of the life insurance policyowner?
A) Borrow from the cash values.
B) Revoke an absolute assignment.
C) Assign or transfer the policy.
D) Select and change a beneficiary.
Solutions:
| Question # 1 Answer: B | Question # 2 Answer: B | Question # 3 Answer: D | Question # 4 Answer: B | Question # 5 Answer: B |
