Try and practice the latest Insurance Licensing : NJ-Life-Producer real questions & answers
Updated: Sep 18, 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 Examination |
| Exam Number: | NJ-Life-Producer |
| Exam Price: | USD 47 |
| Exam Duration: | 120 minutes |
| Available Languages: | English |
| Real Exam Qty: | 83 |
| Certificate Validity Period: | License renewal required every 2 years with continuing education requirements |
| Related Certifications: | New Jersey Life Insurance Producer License |
| Exam Format: | Computer-Based Testing, Multiple Choice |
| Passing Score: | 70% |
| Sample Questions: | Insurance Licensing NJ-Life-Producer Sample Questions |
| Exam Way: | Available at PSI testing centers and through remotely proctored online examination. |
| Pre Condition: | Completion of a New Jersey-approved prelicensing education course (typically 20 hours for Life line of authority) and possession of a Certificate of Completion. |
| Official Syllabus URL: | https://www.psiexams.com/test-takers/njdobi/ |
Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Topic 1: Completing the Application, Underwriting, and Delivering the Policy | - Policy Delivery - Underwriting - Application Process |
| Topic 2: State Laws, Rules, and Regulations | - Producer Licensing Requirements - New Jersey Insurance Regulations - Marketing Practices - Ethics and Consumer Protection |
| Topic 3: Types of Policies | - Term Life Insurance - Combination Plans and Variations - Traditional Whole Life Products - Interest-Sensitive Life Products - Annuities |
| Topic 4: Retirement and Other Insurance Concepts | - Qualified Plans - Life Insurance Needs Analysis - Retirement Plans |
| Topic 5: Policy Riders, Provisions, Options, and Exclusions | - Policy Provisions and Options - Policy Riders - Policy Exclusions |
Insurance Licensing New Jersey Life Producer Sample Questions:
When can the beneficiary be changed in a life insurance policy?
- A. The insured can usually change the beneficiary at any time during the policy term.
- B. The beneficiary can never be changed once the policy is issued.
- C. A beneficiary change can occur upon the request of the revocable beneficiary.
- D. The insurer determines specified dates within the policy to allow for changes.
Correct Answer: A 🗳️
Explanation: Only visible for Actual4Cert 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 consultant.
- B. An insurance agent.
- C. A financial consultant.
- D. An insurance broker.
Correct Answer: B 🗳️
Explanation: Only visible for Actual4Cert members. You can sign-up / login (it's free).
For a New Jersey insurance producer to charge a prospective insured for analyzing insurance coverages, there must be a reasonable relationship between the fee and the
- A. Total commission earned on the coverages purchased.
- B. Average premium of the policies analyzed.
- C. Nature of the services performed.
- D. Average face amount of the policies analyzed.
Correct Answer: C 🗳️
Explanation: Only visible for Actual4Cert members. You can sign-up / login (it's free).
A group life face amount is sometimes written as an amount equal to an employee's
- A. Age.
- B. Salary.
- C. Net worth.
- D. Home value.
Correct Answer: B 🗳️
Explanation: Only visible for Actual4Cert members. You can sign-up / login (it's free).
What is the result of an insurer approving an incomplete application?
- A. The insured must complete the application after the policy has been issued.
- B. The agent can at any time during the term of the policy complete the application.
- C. The death benefit will be subject to review upon the death of the insured.
- D. The insurer waives the right to that information and must honor the contract.
Correct Answer: D 🗳️
Explanation: Only visible for Actual4Cert members. You can sign-up / login (it's free).
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