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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Application, Underwriting & Policy Delivery | 10-15% | - Policy Delivery & Legal Responsibilities - Underwriting Process & Risk Classification - Completing the Application & Disclosure Requirements - Do Not Call & Privacy Regulations |
| Taxes, Retirement & Advanced Concepts | 15-20% | - Retirement Plans & Tax Treatment - Business Insurance & Third-Party Ownership - Group Life Insurance - Social Security & Government Benefits |
| Types of Life Insurance Policies | 20-25% | - Combination Plans & Policy Variations - Term Life Insurance - Interest-Sensitive & Universal Life Products - Traditional Whole Life Products - Annuities & Retirement Products |
| Policy Riders, Provisions, Options & Exclusions | 20-25% | - Policy Exclusions & Limitations - Required & Optional Policy Provisions - Beneficiary Designations & Settlement Options - Common Policy Riders |
| New Jersey Insurance Laws, Rules & Regulations | 20-25% | - Policy Replacement & Disclosure Rules - Ethics, Fiduciary Duty & Consumer Protection - Trade Practices & Unfair Trade Laws - Licensing Requirements & Procedures - State Regulatory Framework & Jurisdiction |
Insurance Licensing New Jersey Life Producer Sample Questions:
When can the beneficiary be changed in a life insurance policy?
- A. The beneficiary can never be changed once the policy is issued.
- B. A beneficiary change can occur upon the request of the revocable beneficiary.
- C. The insurer determines specified dates within the policy to allow for changes.
- D. The insured can usually change the beneficiary at any time during the policy term.
Correct Answer: D 🗳️
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A published advertisement for a fixed annuity must contain all of the following information EXCEPT
- A. Surrender period.
- B. The name of the insurance company.
- C. Minimum rate of guaranteed interest.
- D. That it is insured by the state.
Correct Answer: D 🗳️
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The New Jersey Banking and Insurance Commissioner has the authority to take all of the following actions EXCEPT
- A. Establish insurance rate schedules.
- B. Enforce insurance rules and regulations.
- C. Create regulations to achieve the purposes of insurance laws.
- D. Amend insurance rules and regulations.
Correct Answer: A 🗳️
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The replacement of an existing policy requires all of the following EXCEPT
- A. Notification of the proposed replacement to the insurer whose policies are intended to be replaced.
- B. A complete comparison of the existing policy to the new policy.
- C. Notice that the owner can return the policy within 90 days for a full refund.
- D. Notification of what constitutes a replacement.
Correct Answer: C 🗳️
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Continuing education credits may be earned for completing which of the following courses?
- A. CLU designation courses.
- B. Personal motivation courses.
- C. Salesmanship courses.
- D. Prelicensing examination courses.
Correct Answer: A 🗳️
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