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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Taxes, Retirement & Advanced Concepts | 15-20% | - Social Security & Government Benefits - Business Insurance & Third-Party Ownership - Retirement Plans & Tax Treatment - Group Life Insurance |
| Topic 2: Policy Riders, Provisions, Options & Exclusions | 20-25% | - Common Policy Riders - Beneficiary Designations & Settlement Options - Required & Optional Policy Provisions - Policy Exclusions & Limitations |
| Topic 3: New Jersey Insurance Laws, Rules & Regulations | 20-25% | - Trade Practices & Unfair Trade Laws - State Regulatory Framework & Jurisdiction - Licensing Requirements & Procedures - Policy Replacement & Disclosure Rules - Ethics, Fiduciary Duty & Consumer Protection |
| Topic 4: Types of Life Insurance Policies | 20-25% | - Traditional Whole Life Products - Term Life Insurance - Interest-Sensitive & Universal Life Products - Annuities & Retirement Products - Combination Plans & Policy Variations |
| Topic 5: Application, Underwriting & Policy Delivery | 10-15% | - Policy Delivery & Legal Responsibilities - Completing the Application & Disclosure Requirements - Underwriting Process & Risk Classification - Do Not Call & Privacy Regulations |
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) Allows partial surrender of a term policy.
C) Guarantees the insured the right to purchase additional insurance without evidence of insurability.
D) The insurer will pay the premium if the insured is permanently disabled.
2. A licensed life or health producer who solicits insurance in New Jersey, has not selected New Jersey as his home state, and resides and maintains the principal office in another state is defined as
A) An alien producer.
B) A foreign producer.
C) A nonresident producer.
D) A reciprocal producer.
3. A policyowner cannot change the beneficiary if he has named
A) A revocable beneficiary.
B) A permanent beneficiary.
C) An irrevocable beneficiary.
D) A spouse.
4. What is the purpose of the Accelerated Death Benefit Rider?
A) To adjust the death benefit to keep up with inflation.
B) To provide for the early payment of the death benefit for a terminally ill insured.
C) To decrease the tax liability of the insured's estate.
D) To increase the death benefit by a stated percentage.
5. Printing derogatory statements about an insurance company's financial condition is known as
A) Not provided in the source question.
B) Misrepresentation.
C) Alienation.
D) Defamation.
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: C | Question # 3 Answer: C | Question # 4 Answer: B | Question # 5 Answer: D |
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