The Insurance Licensing New Jersey Life Producer exam deserves materials built by people who study the exam itself. LatestCram's team of experts and professors maintains the NJ-Life-Producer bank accordingly — 95 practice questions with verified answers, delivered within one minute of purchase.
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 Duration: | 120 minutes |
| Exam Price: | USD 47 |
| Related Certifications: | New Jersey Life Insurance Producer License |
| Certificate Validity Period: | License renewal required every 2 years with continuing education requirements |
| Real Exam Qty: | 83 |
| Exam Format: | Multiple Choice, Computer-Based Testing |
| Available Languages: | English |
| Passing Score: | 70% |
| 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 |
|---|---|
| Topic 1: Retirement and Other Insurance Concepts | - Life Insurance Needs Analysis - Retirement Plans - Qualified Plans |
| Topic 2: Completing the Application, Underwriting, and Delivering the Policy | - Policy Delivery - Underwriting - Application Process |
| Topic 3: State Laws, Rules, and Regulations | - Producer Licensing Requirements - New Jersey Insurance Regulations - Marketing Practices - Ethics and Consumer Protection |
| Topic 4: Policy Riders, Provisions, Options, and Exclusions | - Policy Riders - Policy Exclusions - Policy Provisions and Options |
| Topic 5: Types of Policies | - Annuities - Combination Plans and Variations - Interest-Sensitive Life Products - Traditional Whole Life Products - Term Life Insurance |
Frequently Asked Questions About the Insurance Licensing New Jersey Life Producer Exam
Registration for the Insurance Licensing New Jersey Life Producer exam costs USD 47, and passing requires 70%. Retakes cost the full fee again, so gauge your readiness with the LatestCram practice engines before booking your seat.
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Available at PSI testing centers and through remotely proctored online examination. Registration for the Insurance Licensing New Jersey Life Producer exam is handled through these official channels:
After booking, your LatestCram practice questions arrive by email within 1 minute — preparation can begin the same day.
The NJ-Life-Producer exam is a Insurance Licensing certification exam validating the skills in the Insurance Licensing New Jersey Life Producer syllabus shown above. It counts toward these credential paths: New Jersey Life Insurance Producer License. Candidates at many career stages take it in 2026 to demonstrate verified capability. LatestCram prepares you with 95 practice questions in PDF, Desktop Test Engine, and Online Test Engine formats.
Everything, in one purchase: 95 practice questions for the Insurance Licensing New Jersey Life Producer exam in three formats — a printable, expert-prepared PDF with instant download; a Desktop Test Engine for Windows that simulates the real exam with two practice modes and works offline; and an Online Test Engine for any browser on Windows, Mac, Android, and iOS with test history and performance review. You also receive a free demo, 365 days of free updates from a team that keeps innovating on the material, a 50% renewal discount afterward, unlimited installations, and considerate pre-sale and after-sale service.
The Insurance Licensing New Jersey Life Producer exam contains 83 with 120 minutes to complete them. Practicing under the same time constraint with the LatestCram Desktop Test Engine makes exam-day pacing feel rehearsed.
Completion of a New Jersey-approved prelicensing education course (typically 20 hours for Life line of authority) and possession of a Certificate of Completion. Since policies evolve, confirm the current requirements on the official Insurance Licensing exam page before you schedule.
Insurance Licensing recommends the following training for the Insurance Licensing New Jersey Life Producer exam:
Supplement the training with the 95 practice questions from LatestCram — self-testing reveals what training alone cannot.
The official Insurance Licensing New Jersey Life Producer outline defines 5 domains, the three largest being Policy Riders, Provisions, Options, and Exclusions, Retirement and Other Insurance Concepts, and State Laws, Rules, and Regulations. The complete list is in the topics section above, and LatestCram's 95 practice questions address every domain.
Insurance Licensing New Jersey Life Producer Sample Questions:
An immediate annuity is designed to make its first benefit payment to the annuitant typically
- A. Only after all cash surrender values, with interest, have been calculated.
- B. In the form of a lump sum payment.
- C. When the accumulation period, of at least 24 months, ends.
- D. One month from the annuity's purchase date.
Correct Answer: D 🗳️
Explanation: Only visible for LatestCram members. You can sign-up / login (it's free).
After discussing financial status, tax status, investment objectives, and any other information considered to be relevant, the producer and the client decide that an annuity will achieve the client's financial goal. This annuity purchase is deemed to be
- A. Tax advantaged.
- B. FDIC insured.
- C. Suitable.
- D. Beneficial.
Correct Answer: C 🗳️
Explanation: Only visible for LatestCram members. You can sign-up / login (it's free).
Which of the following statements is correct about an applicant whose producer license has been denied?
- A. The applicant may reapply a maximum of three times.
- B. The applicant is entitled to a hearing before the Office of Administrative Law.
- C. The applicant may not reapply for one year.
- D. The applicant is entitled to a hearing before a committee of the applicant's peers.
Correct Answer: B 🗳️
Explanation: Only visible for LatestCram members. You can sign-up / login (it's free).
One of the major tax advantages of life insurance is that
- A. The beneficiary generally does not pay income tax on the proceeds.
- B. Employer contributions to an employee's life insurance policy are tax deductible to the employee.
- C. The distribution of the annual earnings is tax free.
- D. Annual earnings are not taxed on a state or federal level.
Correct Answer: A 🗳️
Explanation: Only visible for LatestCram members. You can sign-up / login (it's free).
The Producer Licensing regulation requires that a branch office be open to the public
- A. At least one evening per week and one Saturday per month.
- B. Monday through Friday from 8 a.m. to 5 p.m.
- C. No less than forty hours per week.
- D. On a posted schedule that provides reasonable access.
Correct Answer: D 🗳️
Explanation: Only visible for LatestCram members. You can sign-up / login (it's free).
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