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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:

Insurance Licensing New Jersey Life Producer Sample Questions:

1. A life insurance policy most often becomes effective when the

A) Application is submitted.
B) Policy is actually issued.
C) Premium is collected and policy is issued.
D) Agent and individual agree on coverage.

2. Sam had a $100,000 five-year, nonrenewable level term life insurance policy with his wife as the beneficiary.
Sam dies eight years after the inception date of the policy. How much will be paid to Sam's wife?

A) $40,000.
B) Nothing.
C) $60,000.
D) $100,000.

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

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

4. If a life policy is replaced by a new life policy, all of the following forms are needed EXCEPT

A) A complete dividend history of the policy to be replaced.
B) A Policy Summary.
C) A statement signed by the agent.
D) A statement signed by the applicant.

5. A group life contract that lapses because of nonpayment of premium will continue to cover losses incurred by the insured for

A) The duration of the grace period.
B) A maximum of 30 days after the grace period expires.
C) A maximum of 30 days after the last premium is paid.
D) A maximum of 45 days after the last premium is paid.

Solutions: