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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:

Insurance Licensing New Jersey Life Producer Sample Questions:

Question 1

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. Insurable interest.
B. Viatical settlement.
C. Indemnification.
D. Adverse selection.

Question 2

The free look period for an annuity purchased from a local agent is at least

A. 10 days, and not more than 30 days, from the date of policy delivery.
B. 45 days, and not more than 60 days, from the date of policy delivery.
C. 15 days, and not more than 45 days, from the date of policy delivery.
D. 30 days, and not more than 45 days, from the date of policy delivery.

Question 3

Jerry purchased a life insurance policy and deliberately misstated his age in order to reduce his premium payment. The insurer did not discover Jerry's misrepresentation until a claim was filed on the policy when Jerry was killed in a car accident. In this situation, it is likely that the insurer will

A. Deny payment of policy proceeds based on Jerry's material misrepresentation of age at the inception of the policy.
B. Collect all proper back premiums, plus interest based on Jerry's true age, from the policy proceeds.
C. Decrease the amount of proceeds to whatever the premium paid would have purchased at the correct age.
D. Decrease the cash surrender value of the policy by the amount of premium that should have been paid.

Question 4

What does the Fair Credit Reporting Act give the consumer the right to do?

A. Decide which credit agency the insurer can pull their information from.
B. Request a copy of their credit report and an explanation of it from their agent.
C. Question the validity and source of any credit information collected and retained by the insurer.
D. Deny the insurer access to their credit report.

Question 5

Under a multiple protection policy, the policy that pays on the death of the last person is called

A. An annuity life policy.
B. A survivorship life policy.
C. A joint life policy.
D. A universal life policy.

Solutions: