Get real NJ-Life-Producer exam questions for better preparation
Real Insurance Licensing NJ-Life-Producer practice exam questions for easy pass!
Updated: Aug 02, 2026
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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 |
| Exam Format: | Multiple Choice |
| Exam Price: | $47 USD |
| Certificate Validity Period: | 2 years |
| Passing Score: | 70% |
| Available Languages: | English |
| Exam Duration: | 210 minutes |
| Real Exam Qty: | 83 |
| Related Certifications: | New Jersey Accident & Health Producer License New Jersey Life & Health Producer License |
| 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 - Beneficiary Designations & Settlement Options - Required & Optional Policy Provisions - Policy Exclusions & Limitations |
| Topic 2: Taxes, Retirement & Advanced Concepts | 15-20% | - Group Life Insurance - Business Insurance & Third-Party Ownership - Retirement Plans & Tax Treatment - Social Security & Government Benefits |
| Topic 3: New Jersey Insurance Laws, Rules & Regulations | 20-25% | - Trade Practices & Unfair Trade Laws - Licensing Requirements & Procedures - Policy Replacement & Disclosure Rules - State Regulatory Framework & Jurisdiction - Ethics, Fiduciary Duty & Consumer Protection |
| Topic 4: Types of Life Insurance Policies | 20-25% | - Interest-Sensitive & Universal Life Products - Annuities & Retirement Products - Combination Plans & Policy Variations - Term Life Insurance - Traditional Whole Life Products |
| Topic 5: Application, Underwriting & Policy Delivery | 10-15% | - Completing the Application & Disclosure Requirements - Do Not Call & Privacy Regulations - Policy Delivery & Legal Responsibilities - Underwriting Process & Risk Classification |
Insurance Licensing New Jersey Life Producer Sample Questions:
1. Which of the following dividend options is taxable?
A) Accumulation at interest.
B) Paid-up additions.
C) Return of premium.
D) One-year term.
2. Which of the following statements is correct about an employment agreement between two producers?
A) It must be in writing.
B) It is nonbinding.
C) It must be witnessed by two disinterested parties.
D) A copy must be filed with each producer's attorney.
3. A producer who encourages an insured to lapse one policy and buy a new one based on an incomplete comparison of the policies may be engaged in the act of
A) Tampering.
B) Rebating.
C) Misrepresentation.
D) Twisting.
4. All of the following are examples of third-party ownership EXCEPT
A) Juvenile policies.
B) Collateral assignment.
C) Key person insurance.
D) Primary beneficiary.
5. A reinstatement clause outlines reinstatement conditions that include
A) Payment of outstanding loans within the year.
B) Proof of insurability.
C) A decrease in policy limits.
D) A higher premium charge.
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: A | Question # 3 Answer: D | Question # 4 Answer: D | Question # 5 Answer: B |
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