Download Insurance Licensing : NJ-Life-Producer Questions & Answers as PDF & Test Software
Updated: Sep 06, 2026
No. of Questions: 95 Questions & Answers with Testing Engine
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Insurance Licensing NJ-Life-Producer Exam Overview:
| Certification Vendor: | New Jersey Department of Banking and Insurance (NJDOBI) |
|---|---|
| Exam Name: | New Jersey Life Producer Licensing Exam |
| Exam Number: | NJ-Life-Producer |
| Passing Score: | 70% |
| Certificate Validity Period: | 2 years |
| Available Languages: | English |
| Exam Format: | Multiple Choice |
| Exam Price: | $47 USD |
| Related Certifications: | New Jersey Accident & Health Producer License New Jersey Life & Health Producer License |
| Real Exam Qty: | 83 |
| Exam Duration: | 210 minutes |
| Recommended Training: | ExamFX - New Jersey Insurance Training A.D. Banker - Approved Pre-Licensing Courses |
| Exam Registration: | New Jersey Department of Banking and Insurance PSI Services LLC - New Jersey Insurance Exam Registration |
| Sample Questions: | Insurance Licensing NJ-Life-Producer Sample Questions |
| Exam Way: | Computer-based; available at PSI test centers or remote online proctored |
| Pre Condition: | Minimum 18 years old; 20 hours of approved pre-licensing education; pass pre-licensing course certification exam; background check & fingerprinting required |
| Official Syllabus URL: | https://www.nj.gov/dobi/inslic.htm |
Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Policy Riders, Provisions, Options & Exclusions | 20-25% | - Common Policy Riders - Required & Optional Policy Provisions - Beneficiary Designations & Settlement Options - Policy Exclusions & Limitations |
| Topic 2: Application, Underwriting & Policy Delivery | 10-15% | - Completing the Application & Disclosure Requirements - Do Not Call & Privacy Regulations - Underwriting Process & Risk Classification - Policy Delivery & Legal Responsibilities |
| Topic 3: Types of Life Insurance Policies | 20-25% | - Traditional Whole Life Products - Annuities & Retirement Products - Term Life Insurance - Combination Plans & Policy Variations - Interest-Sensitive & Universal Life Products |
| Topic 4: New Jersey Insurance Laws, Rules & Regulations | 20-25% | - Licensing Requirements & Procedures - State Regulatory Framework & Jurisdiction - Policy Replacement & Disclosure Rules - Trade Practices & Unfair Trade Laws - Ethics, Fiduciary Duty & Consumer Protection |
| Topic 5: Taxes, Retirement & Advanced Concepts | 15-20% | - Business Insurance & Third-Party Ownership - Retirement Plans & Tax Treatment - Social Security & Government Benefits - Group Life Insurance |
Insurance Licensing New Jersey Life Producer Sample Questions:
Question 1
After a New Jersey producer license has been revoked, the licensee may not reapply for a new license for a minimum of
A. 6 months.
B. 3 years.
C. 5 years.
D. 1 year.
Question 2
Printing derogatory statements about an insurance company's financial condition is known as
A. Misrepresentation.
B. Not provided in the source question.
C. Alienation.
D. Defamation.
Question 3
In New Jersey, an insurance company formed in New Jersey with offices in New York is a
A. Alien insurer.
B. Domestic insurer.
C. Foreign insurer.
D. Mutual insurer.
Question 4
Mortgage redemption or cancellation insurance is a form of what type of insurance?
A. Increasing term.
B. Decreasing term.
C. Level premium universal life.
D. Level premium whole life.
Question 5
Which of the following information maintained by the Banking and Insurance Department on a producer is available to the public?
A. Medical disability information.
B. The names of the insurance companies represented by the producer.
C. Revocation of professional certifications held by the producer.
D. Criminal complaints against the producer.
Solutions:
| Question 1 Answer: C | Question 2 Answer: D | Question 3 Answer: B | Question 4 Answer: B | Question 5 Answer: B |
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