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

2. Which of the following policies allows for a partial surrender?

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

3. In order to receive fees other than commissions from a life insurance prospect, an insurance producer acting as a consultant must first

A) Obtain a written commitment from the prospect to purchase new life insurance.
B) Obtain a signed written memorandum from the prospect stating the amount of compensation.
C) Present a Comparative Information form to the prospect.
D) Present a Notice Regarding Replacement of Life Insurance form to the prospect.

4. One of the major tax advantages of life insurance is that

A) The beneficiary generally does not pay income tax on the proceeds.
B) Annual earnings are not taxed on a state or federal level.
C) The distribution of the annual earnings is tax free.
D) Employer contributions to an employee's life insurance policy are tax deductible to the employee.

5. Nancy purchased a life insurance policy with a face amount of $250,000. Over a period of years, the cash value in the policy accumulates to $50,000, and the face amount of the policy has become $300,000. This is an example of a

A) Universal life policy.
B) Modified premium whole life policy.
C) Limited-pay life insurance policy.
D) Participating whole life policy.

Solutions: