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Updated: Sep 14, 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: | Computer-Based Testing, Multiple Choice |
| Passing Score: | 70% |
| Certificate Validity Period: | License renewal required every 2 years with continuing education requirements |
| Exam Price: | USD 47 |
| Real Exam Qty: | 83 |
| Related Certifications: | New Jersey Life Insurance Producer License |
| Exam Duration: | 120 minutes |
| Available Languages: | English |
| 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 | - Annuities - Combination Plans and Variations - Term Life Insurance - Interest-Sensitive Life Products - Traditional Whole Life Products |
| Retirement and Other Insurance Concepts | - Qualified Plans - Life Insurance Needs Analysis - Retirement Plans |
| Completing the Application, Underwriting, and Delivering the Policy | - Policy Delivery - Application Process - Underwriting |
| State Laws, Rules, and Regulations | - New Jersey Insurance Regulations - Marketing Practices - Ethics and Consumer Protection - Producer Licensing Requirements |
| Policy Riders, Provisions, Options, and Exclusions | - Policy Riders - Policy Exclusions - Policy Provisions and Options |
Insurance Licensing New Jersey Life Producer Sample Questions:
Which type of insurance policy is characterized by premiums that are fully paid up within a stated period, after which no further premiums are required?
- A. Lump sum insurance.
- B. Basic installment insurance.
- C. Prepaid premium insurance.
- D. Limited payment life insurance.
Correct Answer: D 🗳️
Explanation: Only visible for Pass4training members. You can sign-up / login (it's free).
A published advertisement for a fixed annuity must contain all of the following information EXCEPT
- A. That it is insured by the state.
- B. The name of the insurance company.
- C. Surrender period.
- D. Minimum rate of guaranteed interest.
Correct Answer: A 🗳️
Explanation: Only visible for Pass4training members. You can sign-up / login (it's free).
The policy feature that makes universal life different from whole life insurance policies is its
- A. Flexible premium schedule.
- B. Settlement options.
- C. Assignment options.
- D. Fixed face amount.
Correct Answer: A 🗳️
Explanation: Only visible for Pass4training members. You can sign-up / login (it's free).
What is the purpose of the automatic premium loan rider?
- A. The insurer will pay the premium if the insured is permanently disabled.
- B. Allows partial surrender of a term policy.
- C. Guarantees the insured the right to purchase additional insurance without evidence of insurability.
- D. Protects the policyowner against an unintentional lapse of coverage.
Correct Answer: D 🗳️
Explanation: Only visible for Pass4training members. You can sign-up / login (it's free).
An insured has a $100,000 policy with an accidental death benefit rider. If he dies on his way to work due to a heart attack, what will the insurer pay?
- A. $100,000.
- B. $150,000.
- C. $200,000.
- D. $250,000.
Correct Answer: A 🗳️
Explanation: Only visible for Pass4training members. You can sign-up / login (it's free).
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Self Test Engine is suitable for windows operating system, running on the Java environment, and can install on multiple computers.
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