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Updated: Oct 20, 2026
No. of Questions: 95 Questions & Answers with Testing Engine
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Insurance Licensing NJ-Life-Producer Exam Overview:
| Certification Vendor: | New Jersey Department of Banking and Insurance (NJDOBI) / PSI Services LLC |
|---|---|
| Exam Name: | New Jersey Life Insurance Producer Licensing Examination |
| Exam Number: | NJ-Life-Producer |
| Exam Price: | USD $50-$150 (plus licensing/processing fees, varies by PSI scheduling location) |
| Passing Score: | 70% |
| Exam Format: | Multiple Choice, Computer-Based Testing (CBT) |
| Related Certifications: | New Jersey Accident & Health Producer License Property and Casualty Producer License |
| Real Exam Qty: | 85-100 (varies by exam form) |
| Available Languages: | English |
| Exam Duration: | 120-150 |
| Certificate Validity Period: | Typically 2 years (renewal required; subject to NJDOBI licensing rules) |
| Recommended Training: | NJDOBI Approved Pre-Licensing Education Providers Insurance Study Resources (PSI Candidate Handbook) |
| Exam Registration: | New Jersey DOBI Insurance Licensing PSI Exams - New Jersey Insurance Licensing |
| Sample Questions: | Insurance Licensing NJ-Life-Producer Sample Questions |
| Exam Way: | Computer-based exam administered at PSI testing centers or approved remote proctoring locations (varies by scheduling option). |
| Pre Condition: | Must complete pre-licensing education requirements approved by NJDOBI before taking the exam. |
| Official Syllabus URL: | https://www.nj.gov/dobi/ |
Insurance Licensing NJ-Life-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Topic 1: State Regulations (New Jersey) | - Insurance laws and ethics
|
| Topic 2: Underwriting and Policy Issuance | - Risk classification
|
| Topic 3: Life Insurance and Annuities | - Annuity basics
|
| Topic 4: Life Insurance Fundamentals | - Types of life insurance policies
|
Insurance Licensing New Jersey Life Producer Sample Questions:
An insurance producer sends an invitation for a seminar on college funding. According to New Jersey law, what must be contained in the mailer if the producer intends to solicit insurance at the seminar?
- A. The producer's name as it appears on the license.
- B. The address of the producer.
- C. A personal biography.
- D. The producer's license number.
Correct Answer: A 🗳️
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Which of the following is most likely used for underwriting purposes and includes information on an applicant's character and personal habits?
- A. Buyer's Guide.
- B. Investigative consumer report.
- C. Medical Information Bureau report.
- D. Agent report.
Correct Answer: B 🗳️
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The free look period for an annuity purchased from a local agent is at least
- A. 15 days, and not more than 45 days, from the date of policy delivery.
- B. 10 days, and not more than 30 days, from the date of policy delivery.
- C. 30 days, and not more than 45 days, from the date of policy delivery.
- D. 45 days, and not more than 60 days, from the date of policy delivery.
Correct Answer: B 🗳️
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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. $150,000.
- B. $100,000.
- C. $200,000.
- D. $250,000.
Correct Answer: B 🗳️
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In order to receive fees other than commissions from a life insurance prospect, an insurance producer acting as a consultant must first
- A. Obtain a written commitment from the prospect to purchase new life insurance.
- B. Present a Comparative Information form to the prospect.
- C. Obtain a signed written memorandum from the prospect stating the amount of compensation.
- D. Present a Notice Regarding Replacement of Life Insurance form to the prospect.
Correct Answer: C 🗳️
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