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Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:

Insurance Licensing New Jersey Life Producer Sample Questions:

Question 1

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 consultant.
D. An insurance agent.

Question 2

An insurance company, owned by its stockholders who have contributed to its capital and surplus and to whom dividends are paid, is known as

A. A stock company.
B. A reciprocal company.
C. A mutual company.
D. An assessable company.

Question 3

A contract between two insurance companies that allows one company to transfer risk to a second company is known as

A. Reinsurance.
B. Coinsurance.
C. Excess insurance.
D. Surplus lines insurance.

Question 4

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

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

Question 5

Which of the following statements is true regarding a Waiver of Premium Rider?

A. The insured will automatically become eligible for Accelerated Death Benefits.
B. There will be no change in the policy's rates, benefits, or options other than that the insured no longer has to pay the premiums on the policy.
C. The death benefit will be reduced by the amount of the unpaid premiums.
D. The policy's cash value will continue to grow, but at a slower rate because the insured is no longer paying premiums.

Solutions: