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NJ Life Producer Study guides, Class notes & Summaries
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NJ LIFE PRODUCER EXAM (INSURANCE AND LAWS) LATEST VERSION 2024-2025 WITH ACTUAL QUESTIONS AND CORRECT VERIFIED ANSWERS|ALREADY GRADED A+|100% GUARANTEED TO PASS CONCEPTS
- Exam (elaborations) • 12 pages • 2024
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NJ LIFE PRODUCER EXAM (INSURANCE AND LAWS) LATEST VERSION WITH ACTUAL QUESTIONS AND CORRECT VERIFIED ANSWERS|ALREADY GRADED A+|100% GUARANTEED TO PASS CONCEPTS
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NJ Life Producer Exam Study Life Insurance Questions and Answers 100% Pass
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NJ Life Producer Exam Study Life 
Insurance Questions and Answers 100% 
 
Pass 
 
An insurer must renew a renewable term policy at the policyowner's request regardless of the 
insurability status of the insured. Renewable Term Life Insurance 
 
The settlement option that provides for payments to be made in regular installments to a 
beneficiary until the principal and interest are exhausted best describes: Fixed-amount 
 
What hours of operation is a branch office required to have? Must give pub...
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NJ Life Producer 2024 Questions & Answers | 100% Correct | Verified
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The Waiver of Cost of Insurance rider is found in what type of insurance? - Universal Life 
If an insured continually uses the automatic premium loan option to pay the policy premium, - The 
policy will terminate when the cash value is reduced to nothing 
If a settlement option is not chosen by the beneficiary or policyowner, which option will be used? - 
Lump sum 
An insured misstates her age at the time the life insurance application is taken. This misstatement may 
result in - adjustment in t...
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NJ Life Producer Exam | 2024 Questions & Answers | 100% Correct | Verified
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Under a Traditional IRA, interest earned is taxed - upon distribution 
Which of these statements regarding the annuitants is CORRECT? - The annuitant's life expectancy 
determines the annuity payment 
What will the beneficiary receive is annuitant dies during the accumulation period? - The greater the 
accumulated cash value or the total premium paid 
Which of the following actions is REQUIRED by an agent who is replacing an existing life insurance 
policy? - Submit to to the replacing insurer ...
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NJ Life Producer Exam - Insurance and Laws | 2024 Questions & Answers | 100% Correct | Verified
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Which of the following amounts must decrease in a decreasing term? - Death benefit 
In life insurance, insurable interest must exist at the time the.. - Producer writes an on a proposed 
insured 
An applicant makes an offer to the insurer when they - pay an initial premium with the application 
Which of the following makes Universal Life insurance different from other forms of permanent 
insurance? - Premium Schedule 
An insurer that shares its profits with its' policyowners is known as.. - A m...
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NJ Life Producer Exam Questions and Answers latest version 2024( A+ GRADED 100% VERIFIED).
- Exam (elaborations) • 10 pages • 2024
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NJ Life Producer Exam Questions and Answers latest version 2024( A+ GRADED 100% VERIFIED).
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NJ LIFE PRODUCER EXAM (INSURANCE AND LAWS) LATEST VERSION 2024-2025 WITH ACTUAL QUESTIONS AND CORRECT VERIFIED ANSWERS|ALREADY GRADED A+|100% GUARANTEED TO PASS CONCEPTS
- Exam (elaborations) • 12 pages • 2024
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NJ LIFE PRODUCER EXAM (INSURANCE AND LAWS) 
LATEST VERSION WITH ACTUAL QUESTIONS 
AND CORRECT VERIFIED ANSWERS|ALREADY GRADED 
A+|100% GUARANTEED TO PASS CONCEPTS
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PRIMERICA LIFE INSURANCE EXAM AND ACTUAL ANSWERS 2024.
- Exam (elaborations) • 60 pages • 2024
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An insured purchased an insurance policy 5 years ago. Last year, she received a dividend check from the insurance company that was not taxable. This year, she did not receive a check from the insurer. From what type of insurer did the insured purchase the policy? 
 
a. mutual 
b. reciprocal 
c. nonprofit service organization 
d. stock - Answer A. mutual 
 
funds not paid out after paying claims and other operating costs are returned to the policy owners in the form of a dividend. if all funds ...
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Casualty Producer NJ License Exam Fully Solved 2024.
- Exam (elaborations) • 6 pages • 2024
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Powers and duties of Commissioner - Answer Conduct research 
Make reasonable rules and regulations 
Issue orders and notices 
Issue insurance licenses and certificates of authority 
Impose penalties 
Approve insurance policy forms and rates 
 
10 - Answer Amount of days notice before hearing 
 
Producers can be - Answer Agents, brokers or both 
 
Insurance agent - Answer a licensed insurance producer who is appointed by an insurer to sell insurance. represents the insurer not the insure...
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Casualty Producer NJ Training Exam With All Correct Solutions 2024.
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Powers and duties of Commissioner - Answer Conduct research 
Make reasonable rules and regulations 
Issue orders and notices 
Issue insurance licenses and certificates of authority 
Impose penalties 
Approve insurance policy forms and rates 
 
Amount of days notice before hearing - Answer 10 
 
Retrocession - Answer When a reinsurer transfers risks it has accepted to another insurer 
 
Producers can be - Answer Agents, brokers or both 
 
Insurance agent - Answer a licensed insurance p...
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Life & Health Insurance Exam Colorado Test Questions With Correct Solutions 2024.
- Exam (elaborations) • 21 pages • 2024
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Traditional Whole Life - Answer -Ordinary (Straight) Life 
-Limited-Pay & Single-Premium Whole Life 
-Adjustable Whole Life 
 
Ordinary (Straight) Life - Answer -Until 100 or Death, whichever comes first 
-Permanent Protection 
-Rates & benefits based on law of large numbers (Mortality Rate) 
-Guaranteed, tax-deferred interest rate 
-Premium level, company's risk goes down as cash value goes up 
-Insurer keeps the cash value if death to offset risk 
-Lowest net cost in long run 
-Client h...
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New Jersey Life and Health Post Exam With Solved Solutions 2024.
- Exam (elaborations) • 23 pages • 2024
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Which type of long-term care benefit would be most appropriate for a stroke victim who requires speech therapy administered at her home? - Answer Home health care 
 
Which of the following is NOT a federal requirement of a qualified plan? - Answer Employee must be able to make unlimited contributions 
 
Why are dividends from a mutual insurer not subject to taxation? - Answer Because dividends are considered to be a return of premium 
 
The treasurer of XYZ Insurance Company discovers that...
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