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Updated: Aug 04, 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 |
| Exam Format: | Multiple Choice, Computer-Based Testing |
| Passing Score: | 70% |
| Available Languages: | English |
| Certificate Validity Period: | License renewal required every 2 years with continuing education requirements |
| Related Certifications: | New Jersey Life Insurance Producer License |
| Exam Price: | USD 47 |
| Exam Duration: | 120 minutes |
| Real Exam Qty: | 83 |
| 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 |
|---|---|
| Types of Policies | - Combination Plans and Variations - Traditional Whole Life Products - Interest-Sensitive Life Products - Annuities - Term Life Insurance |
| Completing the Application, Underwriting, and Delivering the Policy | - Application Process - Policy Delivery - Underwriting |
| State Laws, Rules, and Regulations | - Producer Licensing Requirements - Ethics and Consumer Protection - New Jersey Insurance Regulations - Marketing Practices |
| Retirement and Other Insurance Concepts | - Life Insurance Needs Analysis - Retirement Plans - Qualified Plans |
| Policy Riders, Provisions, Options, and Exclusions | - Policy Riders - Policy Provisions and Options - Policy Exclusions |
Insurance Licensing New Jersey Life Producer Sample Questions:
1. The proposed insured's statements on a life insurance application are considered to be
A) Warranties.
B) Misrepresentations.
C) Representations.
D) Absolute statements.
2. A type of life insurance policy that provides for payment of the face amount at the end of the specified period if the insured is still alive is
A) A juvenile trust.
B) An endowment policy.
C) A modified life insurance policy.
D) A universal life insurance policy.
3. What does the Fair Credit Reporting Act give the consumer the right to do?
A) Question the validity and source of any credit information collected and retained by the insurer.
B) Request a copy of their credit report and an explanation of it from their agent.
C) Deny the insurer access to their credit report.
D) Decide which credit agency the insurer can pull their information from.
4. What is the purpose of the automatic premium loan rider?
A) Allows partial surrender of a term policy.
B) The insurer will pay the premium if the insured is permanently disabled.
C) Protects the policyowner against an unintentional lapse of coverage.
D) Guarantees the insured the right to purchase additional insurance without evidence of insurability.
5. 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 reciprocal company.
B) A mutual company.
C) A stock company.
D) An assessable company.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: B | Question # 3 Answer: A | Question # 4 Answer: C | Question # 5 Answer: C |
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