Exam Name: New Jersey Life Producer Exam
Certification Provider: Insurance Licensing
Corresponding Certification: New Jersey Insurance Licencing (NJDOBI)
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Check Updated on: Oct 06, 2026
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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| New Jersey Insurance Laws, Rules & Regulations | 20-25% | - Licensing Requirements & Procedures - Ethics, Fiduciary Duty & Consumer Protection - Trade Practices & Unfair Trade Laws - State Regulatory Framework & Jurisdiction - Policy Replacement & Disclosure Rules |
| Taxes, Retirement & Advanced Concepts | 15-20% | - Group Life Insurance - Retirement Plans & Tax Treatment - Social Security & Government Benefits - Business Insurance & Third-Party Ownership |
| Types of Life Insurance Policies | 20-25% | - Interest-Sensitive & Universal Life Products - Traditional Whole Life Products - Term Life Insurance - Annuities & Retirement Products - Combination Plans & Policy Variations |
| Application, Underwriting & Policy Delivery | 10-15% | - Do Not Call & Privacy Regulations - Completing the Application & Disclosure Requirements - Underwriting Process & Risk Classification - Policy Delivery & Legal Responsibilities |
| Policy Riders, Provisions, Options & Exclusions | 20-25% | - Required & Optional Policy Provisions - Common Policy Riders - Beneficiary Designations & Settlement Options - Policy Exclusions & Limitations |
Insurance Licensing New Jersey Life Producer Sample Questions:
The settlement option that allows proceeds to remain with the insurer and the earnings to be paid to the beneficiary on a monthly basis is called
- A. Fixed amount.
- B. Interest only.
- C. Fixed period.
- D. Lump sum.
Correct Answer: B 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
A producer who is authorized by an insurance company to solicit, negotiate, or sell insurance contracts is acting as
- A. An insurance broker.
- B. A financial consultant.
- C. An insurance agent.
- D. An insurance consultant.
Correct Answer: C 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
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. Collect all proper back premiums, plus interest based on Jerry's true age, from the policy proceeds.
- B. Decrease the cash surrender value of the policy by the amount of premium that should have been paid.
- C. Deny payment of policy proceeds based on Jerry's material misrepresentation of age at the inception of the policy.
- D. Decrease the amount of proceeds to whatever the premium paid would have purchased at the correct age.
Correct Answer: D 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
A beneficiary is protected from creditors' claims in all of the following situations EXCEPT when the beneficiary is the
- A. Insured's business partner.
- B. Insured's child.
- C. Insured's spouse.
- D. Insured's estate.
Correct Answer: D 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
Generally, the maximum percentage of the face amount paid under an Accelerated Death Benefit would be
- A. 50%.
- B. 100%.
- C. 200%.
- D. 10%.
Correct Answer: A 🗳️
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