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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:

Insurance Licensing New Jersey Life Producer Sample Questions:

1. Generally, if an application is not prepaid, the effective date of coverage begins on the date the

A) Application is postmarked and mailed to the insurer.
B) Company underwriter approves the risk.
C) Producer delivers the policy and collects a premium.
D) Application is signed.

2. Which rider assures the premiums will be paid on a juvenile policy until the insured child reaches a specific age?

A) Waiver of premium rider.
B) Guaranteed insurability rider.
C) Payor rider.
D) Automatic premium loan rider.

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

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

4. What is the purpose of the Accelerated Death Benefit Rider?

A) To adjust the death benefit to keep up with inflation.
B) To increase the death benefit by a stated percentage.
C) To decrease the tax liability of the insured's estate.
D) To provide for the early payment of the death benefit for a terminally ill insured.

5. Which of the following transactions would not be subject to income tax under a Modified Endowment Contract (MEC)?

A) Dividend surrenders.
B) The death benefit.
C) Policy loans.
D) Policy withdrawals.

Solutions: