Study with NJ-Life-Producer Actual Test Questions
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Updated: Sep 18, 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 Examination |
| Exam Number: | NJ-Life-Producer |
| Available Languages: | English |
| Exam Format: | Computer-Based Testing, Multiple Choice |
| Related Certifications: | New Jersey Life Insurance Producer License |
| Passing Score: | 70% |
| Exam Duration: | 120 minutes |
| Certificate Validity Period: | License renewal required every 2 years with continuing education requirements |
| Real Exam Qty: | 83 |
| Exam Price: | USD 47 |
| 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: Retirement and Other Insurance Concepts | - Qualified Plans - Retirement Plans - Life Insurance Needs Analysis |
| Topic 2: State Laws, Rules, and Regulations | - New Jersey Insurance Regulations - Marketing Practices - Producer Licensing Requirements - Ethics and Consumer Protection |
| Topic 3: Policy Riders, Provisions, Options, and Exclusions | - Policy Riders - Policy Exclusions - Policy Provisions and Options |
| Topic 4: Types of Policies | - Term Life Insurance - Combination Plans and Variations - Interest-Sensitive Life Products - Annuities - Traditional Whole Life Products |
| Topic 5: Completing the Application, Underwriting, and Delivering the Policy | - Policy Delivery - Application Process - Underwriting |
Insurance Licensing New Jersey Life Producer Sample Questions:
Which of the following dividend options is taxable?
- A. One-year term.
- B. Paid-up additions.
- C. Return of premium.
- D. Accumulation at interest.
Correct Answer: D 🗳️
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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 🗳️
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What is the result of an insurer approving an incomplete application?
- A. The death benefit will be subject to review upon the death of the insured.
- B. The agent can at any time during the term of the policy complete the application.
- C. The insured must complete the application after the policy has been issued.
- D. The insurer waives the right to that information and must honor the contract.
Correct Answer: D 🗳️
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A life insurance policy most often becomes effective when the
- A. Premium is collected and policy is issued.
- B. Agent and individual agree on coverage.
- C. Policy is actually issued.
- D. Application is submitted.
Correct Answer: A 🗳️
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What is the purpose of the automatic premium loan rider?
- A. Protects the policyowner against an unintentional lapse of coverage.
- B. Allows partial surrender of a term policy.
- C. The insurer will pay the premium if the insured is permanently disabled.
- D. Guarantees the insured the right to purchase additional insurance without evidence of insurability.
Correct Answer: A 🗳️
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