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| Section | Weight | Objectives |
|---|---|---|
| Policy Riders, Provisions, Options & Exclusions | 20-25% | - Required & Optional Policy Provisions - Beneficiary Designations & Settlement Options - Policy Exclusions & Limitations - Common Policy Riders |
| New Jersey Insurance Laws, Rules & Regulations | 20-25% | - Trade Practices & Unfair Trade Laws - Policy Replacement & Disclosure Rules - Ethics, Fiduciary Duty & Consumer Protection - Licensing Requirements & Procedures - State Regulatory Framework & Jurisdiction |
| Taxes, Retirement & Advanced Concepts | 15-20% | - Group Life Insurance - Business Insurance & Third-Party Ownership - Retirement Plans & Tax Treatment - Social Security & Government Benefits |
| Application, Underwriting & Policy Delivery | 10-15% | - Do Not Call & Privacy Regulations - Underwriting Process & Risk Classification - Policy Delivery & Legal Responsibilities - Completing the Application & Disclosure Requirements |
| Types of Life Insurance Policies | 20-25% | - Annuities & Retirement Products - Combination Plans & Policy Variations - Interest-Sensitive & Universal Life Products - Traditional Whole Life Products - Term Life Insurance |
>> NJ-Life-Producer日本語版参考資料 <<
われわれは今の競争の激しいIT社会ではくつかIT関連認定証明書が必要だとよくわかります。IT専門知識をテストしているInsurance LicensingのNJ-Life-Producer認定試験は1つのとても重要な認証試験でございます。しかしこの試験は難しさがあって、合格率がずっと低いです。でもJpexamの最新問題集がこの問題を解決できますよ。NJ-Life-Producer認定試験の真実問題と模擬練習問題があって、十分に試験に合格させることができます。
質問 # 12
A producer who encourages an insured to lapse one policy and buy a new one based on an incomplete comparison of the policies may be engaged in the act of
正解：B
解説：
The conduct described is twisting. Twisting is a specific unfair trade practice involving the use of misleading, incomplete, or fraudulent comparisons to induce a policyowner to lapse, surrender, forfeit, exchange, convert, or replace an existing policy. The question states that the producer encourages the insured to lapse one policy and buy another based on an incomplete comparison. That is not merely a general misstatement; it is replacement misconduct directed at getting the policyowner to abandon existing coverage. Rebating involves giving or offering an unauthorized inducement, such as part of the commission or something of value, to influence the purchase of insurance. Tampering is not the correct technical insurance-law classification here.
Misrepresentation is related and often part of twisting, but the stronger and more exact answer is twisting because the question specifically includes lapse and purchase of a new policy. Reference topics: Twisting, Misrepresentation in Replacement, Unfair Trade Practices, Life Insurance Replacement.
質問 # 13
Which of the following policies allows for a partial surrender?
正解：A
解説：
Universal life commonly allows partial surrender because it is a flexible-premium permanent policy with unbundled cash value. A policyowner may withdraw part of the cash value, subject to policy rules, surrender charges, minimum remaining cash value, and possible tax consequences. This is one of the practical flexibility features of universal life. Modified whole life is still whole life with a changed premium pattern, usually lower early premiums followed by higher later premiums; it does not characteristically emphasize partial surrender. Variable whole life has cash value tied to separate accounts, but the standard exam answer for partial surrender flexibility is universal life. Term life is incorrect because term policies generally do not build cash value and therefore have nothing to partially surrender. Partial surrender is not the same as a policy loan:
a partial surrender permanently removes part of the cash value and may reduce the death benefit, whereas a loan creates policy indebtedness. Reference topics: Universal Life Insurance, Partial Surrender, Cash Value Withdrawals, Flexible Permanent Insurance.
質問 # 14
An immediate annuity is designed to make its first benefit payment to the annuitant typically
正解：D
解説：
An immediate annuity is designed to begin income payments very soon after purchase, commonly one month from the purchase date when monthly payments are selected. The product is normally funded with a single premium and converts that premium into a stream of periodic income. This is the opposite of a deferred annuity, where funds accumulate for a period before payout begins. Option A incorrectly describes a deferred annuity accumulation period, not an immediate annuity. Option B is wrong because the defining feature of an immediate annuity is periodic income, not a lump sum payout. Option C is also wrong because immediate annuity payments are not delayed until cash surrender values are calculated; immediate annuities are built for income distribution, often with limited liquidity. Industry guidance describes immediate annuity payments as beginning shortly after purchase, with monthly mode being common and payments often beginning within a month. For exam purposes, "immediate" means payout starts almost immediately, not after years of accumulation. Reference topics: Immediate Annuities, Single Premium Immediate Annuity, Payout Period, Deferred vs. Immediate Annuity.
質問 # 15
Insurance purchased on the life of a borrower to provide indemnity for a loan balance if the borrower dies is referred to as
正解：C
解説：
Insurance purchased on the life of a borrower to pay off or reduce a loan balance upon the borrower's death is credit life insurance. The creditor is commonly the beneficiary to the extent of the outstanding debt, and the policy is tied directly to the borrower-creditor relationship. Credit life is often written as decreasing term insurance because the death benefit is designed to track the unpaid balance of the loan. If the borrower dies while coverage is in force, the proceeds are applied to the outstanding debt rather than paid freely for general family income replacement. "Bank insurance" is not the formal insurance classification. "Ticket life insurance" is not a recognized life insurance type for loan protection. "Liability indemnity insurance" describes neither the structure nor purpose of this product. The exam trigger is the phrase life of a borrower and loan balance if the borrower dies. Reference topics: Credit Life Insurance, Decreasing Term, Debtor- Creditor Insurance, Loan Balance Protection.
質問 # 16
Which of the following is not among the rights of the life insurance policyowner?
正解：D
解説：
The policyowner does not have the right to revoke an absolute assignment after it has been validly made. An absolute assignment is a permanent transfer of all ownership rights in the policy to another party. Once completed, the assignee becomes the new policyowner and controls the ownership rights, such as surrendering the policy, borrowing against cash value, assigning the policy again, or changing beneficiaries subject to policy terms. By contrast, the original policyowner normally does have broad rights before assignment:
assigning or transferring the policy, borrowing from available cash value, selecting beneficiaries, and changing a revocable beneficiary. The important distinction is between ordinary ownership rights and rights that no longer exist after ownership has been transferred away. A collateral assignment is temporary and limited to a debt, but an absolute assignment is complete and permanent. Therefore, "revoke an absolute assignment" is the exception. Reference topics: Policyowner Rights, Absolute Assignment, Collateral Assignment, Beneficiary Control, Cash Value Rights.
質問 # 17
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