Insurance Licensing NJ-Life-Producer real exam prep : New Jersey Life Producer Exam

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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:

Insurance Licensing New Jersey Life Producer Sample Questions:

1. One area in which errors are commonly made on life insurance applications and for which the incontestable clause does not apply is

A) Education level.
B) Occupation.
C) Age.
D) State of residence.

2. Which of the following dividend options is taxable?

A) One-year term.
B) Paid-up additions.
C) Accumulation at interest.
D) Return of premium.

3. Which of the following must an agent do when replacing a life insurance policy?

A) Obtain with the application the applicant's justification for why the replacement is suitable.
B) Forward the signed and completed Disclosure Statement to the replacing insurer and not provide the applicant with a copy.
C) Submit to the replacing insurer a list of all life insurance policies or annuity contracts proposed to be replaced.
D) Notify the insurer whose policy is being replaced, but not the insurer replacing the policy.

4. Which of the following actions by a producer is considered an unfair method of competition?

A) Using television to advertise.
B) Securing insurance for a client at a cheaper price than a competitor.
C) Overstating the benefits of an insurance policy.
D) Offering broader coverages than a competitor.

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

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

Solutions: