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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:

Insurance Licensing New Jersey Life Producer Sample Questions:

Question 1

The New Jersey Banking and Insurance Commissioner has the authority to take all of the following actions EXCEPT

A. Amend insurance rules and regulations.
B. Create regulations to achieve the purposes of insurance laws.
C. Enforce insurance rules and regulations.
D. Establish insurance rate schedules.

Question 2

Which of the following policies allows for a partial surrender?

A. Variable whole life.
B. Universal life.
C. Modified whole life.
D. Term life.

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

Question 4

Mortgage redemption or cancellation insurance is a form of what type of insurance?

A. Decreasing term.
B. Level premium whole life.
C. Increasing term.
D. Level premium universal life.

Question 5

A producer who is authorized by an insurance company to solicit, negotiate, or sell insurance contracts is acting as

A. An insurance agent.
B. An insurance consultant.
C. An insurance broker.
D. A financial consultant.

Solutions: