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Insurance Licensing New Jersey Life Producer Sample Questions:

1. If a policyowner chooses to pay premiums for a specified number of years, this permanent life insurance policy is referred to as

A) A variable whole life policy.
B) A graded-premium whole life policy.
C) An adjustable life policy.
D) A limited-pay policy.

2. All of the following are examples of third-party ownership EXCEPT

A) Primary beneficiary.
B) Key person insurance.
C) Collateral assignment.
D) Juvenile policies.

3. Jerry purchased a life insurance policy and deliberately misstated his age in order to reduce his premium payment. The insurer did not discover Jerry's misrepresentation until a claim was filed on the policy when Jerry was killed in a car accident. In this situation, it is likely that the insurer will

A) Deny payment of policy proceeds based on Jerry's material misrepresentation of age at the inception of the policy.
B) Decrease the amount of proceeds to whatever the premium paid would have purchased at the correct age.
C) Collect all proper back premiums, plus interest based on Jerry's true age, from the policy proceeds.
D) Decrease the cash surrender value of the policy by the amount of premium that should have been paid.

4. What is the purpose of the Accelerated Death Benefit Rider?

A) To decrease the tax liability of the insured's estate.
B) To increase the death benefit by a stated percentage.
C) To adjust the death benefit to keep up with inflation.
D) To provide for the early payment of the death benefit for a terminally ill insured.

5. 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 universal life insurance policy.
B) An endowment policy.
C) A juvenile trust.
D) A modified life insurance policy.

Solutions: