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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Topic 1: State Regulations (New Jersey) | - Insurance laws and ethics
|
| Topic 2: Life Insurance Fundamentals | - Policy provisions and clauses
|
| Topic 3: Underwriting and Policy Issuance | - Risk classification
|
| Topic 4: Life Insurance and Annuities | - Annuity basics
|
Insurance Licensing New Jersey Life Producer Sample Questions:
Question 1
If a producer makes a sales proposal or presentation that fails to fairly and fully disclose future premium charges, benefits, and any options included in the policy, the producer may be found guilty of
A. Twisting.
B. Coercion.
C. Fraud.
D. Misrepresentation.
Question 2
Which of the following is true concerning the use of HIV-related tests in life insurance underwriting?
A. Insurers do not need to obtain the proposed insured's informed consent prior to testing.
B. They are not permitted.
C. Insurers must obtain the proposed insured's written informed consent prior to testing.
D. Insurers need only obtain the proposed insured's verbal informed consent prior to testing.
Question 3
Which of the following statements is true regarding a Waiver of Premium Rider?
A. The death benefit will be reduced by the amount of the unpaid premiums.
B. There will be no change in the policy's rates, benefits, or options other than that the insured no longer has to pay the premiums on the policy.
C. The policy's cash value will continue to grow, but at a slower rate because the insured is no longer paying premiums.
D. The insured will automatically become eligible for Accelerated Death Benefits.
Question 4
The applicant must face the possibility of losing something of value in the event of the insured's death. This principle is known as
A. Adverse selection.
B. Indemnification.
C. Viatical settlement.
D. Insurable interest.
Question 5
Which of the following statements is correct about life insurance proceeds paid to a named beneficiary?
A. They are subject to excise taxes.
B. They are held until the insured's will is probated.
C. They are exempt from claims of the insured's creditors.
D. They must be paid in a lump sum.
Solutions:
| Question 1 Answer: D | Question 2 Answer: C | Question 3 Answer: B | Question 4 Answer: D | Question 5 Answer: C |
