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Insurance Licensing NJ-Life-Producer : New Jersey Life Producer Exam
- Exam Code: NJ-Life-Producer
- Exam Name: New Jersey Life Producer Exam
- Updated: Sep 10, 2026 Q & A: 95 Questions and Answers
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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Types of Life Insurance Policies | 20-25% | - Combination Plans & Policy Variations - Interest-Sensitive & Universal Life Products - Annuities & Retirement Products - Term Life Insurance - Traditional Whole Life Products |
| Topic 2: Policy Riders, Provisions, Options & Exclusions | 20-25% | - Common Policy Riders - Beneficiary Designations & Settlement Options - Policy Exclusions & Limitations - Required & Optional Policy Provisions |
| Topic 3: Application, Underwriting & Policy Delivery | 10-15% | - Do Not Call & Privacy Regulations - Policy Delivery & Legal Responsibilities - Underwriting Process & Risk Classification - Completing the Application & Disclosure Requirements |
| Topic 4: New Jersey Insurance Laws, Rules & Regulations | 20-25% | - Policy Replacement & Disclosure Rules - Ethics, Fiduciary Duty & Consumer Protection - Licensing Requirements & Procedures - Trade Practices & Unfair Trade Laws - State Regulatory Framework & Jurisdiction |
| Topic 5: Taxes, Retirement & Advanced Concepts | 15-20% | - Business Insurance & Third-Party Ownership - Social Security & Government Benefits - Group Life Insurance - Retirement Plans & Tax Treatment |
Insurance Licensing New Jersey Life Producer Sample Questions:
Question #1
In order to receive fees other than commissions from a life insurance prospect, an insurance producer acting as a consultant must first
- A. Present a Notice Regarding Replacement of Life Insurance form to the prospect.
- B. Obtain a written commitment from the prospect to purchase new life insurance.
- C. Present a Comparative Information form to the prospect.
- D. Obtain a signed written memorandum from the prospect stating the amount of compensation.
Answer: D
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Question #2
All of the following are examples of third-party ownership EXCEPT
- A. Key person insurance.
- B. Juvenile policies.
- C. Collateral assignment.
- D. Primary beneficiary.
Answer: D
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Question #3
Which of the following represents a reduced paid-up nonforfeiture option?
- A. A full share of expense loading must be included in the premium on the reduced coverage.
- B. The new policy will have a decreased face amount.
- C. The new protection is for the same amount as the original policy.
- D. Further premiums must be paid on the reduced policy.
Answer: B
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Question #4
Insurance purchased on the life of a borrower to provide indemnity for a loan balance if the borrower dies is referred to as
- A. Credit life insurance.
- B. Liability indemnity insurance.
- C. Bank insurance.
- D. Ticket life insurance.
Answer: A
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Question #5
Which of the following is true concerning the use of HIV-related tests in life insurance underwriting?
- A. Insurers need only obtain the proposed insured's verbal informed consent prior to testing.
- B. Insurers do not need to obtain the proposed insured's informed consent prior to testing.
- C. They are not permitted.
- D. Insurers must obtain the proposed insured's written informed consent prior to testing.
Answer: D
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