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new jersey life and health pre-licensing exam Questions and Ansdwers Updated 2026

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new jersey life and health pre-licensing exam Questions and Ansdwers Updated 2026

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Nj Life Producer

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Nj life producer

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Institution: Nj life producer
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Uploaded on: January 7, 2026
Number of pages: 25
Written in: 2025/2026
Type: Exam (elaborations)
Contains: Questions & answers

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new jersey life and health pre licensing exam ques

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new jersey life and health pre-
licensing exam Questions and
Ansdwers Updated 2026
PhilBisBshoppingBforBanBannuityBthatBguaranteesBheBCANNOTBoutliveBtheBbenefits.BWhichBof
BtheseBbenefitBoptionsBwouldBheBchoose?

GuaranteedBLifetimeBwithdrawalBbenefit

AcceleratedBLifetimeBBenefitB

GuaranteedBminimumBaccumulationBbenefitB

RightBofBincomeBriderB-BAnswerGuaranteedBLifetimeBwithdrawalBbenefit

AnBinsurerBmustBfurnishBtoBaBclaimantBformsBforBfilingBproofBofBlossBwithinB___BdaysBuponB
receivingBaBnoticeBofBclaim.

15

25

10

20B-BAnswer15

ABtypeBofBgroupBthatBhasBaBconstitutionBandBbylawsBandBhasBbeenBorganizedBforBpurposesB
otherBthanBobtainingBinsuranceBisBcalledBa(n)

employeeBgroup

multipleBcoalition

employerBgroup

associationBorBlaborBgroupB-BAnswerassociationBorBlaborBgroup

WhenBareBgroupBdisabilityBbenefitsBconsideredBtoBbeBtax-freeBtoBtheBinsured?

WhenBtheBrecipientBpaysBtheBpremiumsB

WhenBtheBemployerBpaysBtheBpremiumsB

,WhenBbenefitsBpaidBareBequalBtoBorBlowerBthanBtheBrecipient'sBsalary

WhenBbothBtheBemployerBandBtheBrecipientBpayBtheBpremiumsB-
BAnswerWhenBtheBrecipientBpaysBtheBpremiums

WhatBisBtheBeliminationBperiodBofBanBindividualBdisabilityBpolicy?

TheBpointBinBtimeBwhenBbenefitsBareBnoBlongerBpayable

TimeBperiodBafterBtheBpolicyBissueBdateBinBwhichBtheBprovisionsBareBstillBcontestableB

TimeBperiodBaBdisabledBpersonBmustBwaitBbeforeBbenefitsBareBpaid

TimeBperiodBanBinsuredBmustBwaitBbeforeBcoverageBbeginsB-
BAnswerTimeBperiodBaBdisabledBpersonBmustBwaitBbeforeBbenefitsBareBpaid

TheBeliminationBperiodBofBanBindividualBdisabilityBpolicyBrefersBtoBtheBamountBofBtimeBaBdis
abledBpersonBmustBwaitBbeforeBbenefitsBareBpaid

WhichBofBtheseBmayBNOTBbeBusedBinBaBhealthBinsuranceBadvertisement?

ABpaidBtestimonialB

ABcelebrityBendorsementB

ABstatementBthatBhighlightsBcoverageBamountsB

AnBinsuranceBcompany'sBtrademarkBinsteadBofBtheBcompany'sBactualBnameB-
BAnswerAnBinsuranceBcompaniesBtrademarkBinsteadBofBtheBcompany'sBactualBnameB

TheBnameBofBanBinsuranceBcompanyBshallBbeBclearlyBidentifiedBinBanyBadvertisement

XYZBcompanyBisBlookingBtoBreplaceBtheirBexistingBgroupBhealthBcoverageBwithBanotherBplan.B
TheBreplacingBinsurerBisBREQUIREDBto

ExcludeBcoverageBforBpre-existingBconditionsB

ConductBaBhealthBexaminationBonBeachBinsuredB

ChargeBtheBsameBpremiumBasBtheBpreviousBinsurerB

AcceptBallBindividualsBeligibleBunderBtheBpreviousBplanB-
BAnswerAcceptBallBindividualsBeligibleBunderBtheBpreviousBplanB

, AnBinsurerBreplacingBanotherBinsurer'sBgroupBhealthBpolicyBMUSTBacceptBallBpersonsBeligibleB
underBtheBpriorBplan

AnBexampleBofBanBunfairBmethodBcompetitionBisB

SharingBcommissionsBwithBanotherBlicensedBproducerB

OverstatingBtheBbenefitsBofBanBinsuranceBpolicyB

ReplacingBanBexistingBinsuranceBpolicyBwithBaBnewBoneB

UsingBpaidBtestimonialsBfromBcelebrityBendorsementsB-
BAnswerOverstatingBtheBbenefitsBofBanBinsuranceBpolicyB

OverstatingBtheBbenefitsBofBanBinsuranceBpolicyBisBconsideredBanBunfairBmethodBofBcompetiti
on

ABdebtorBmayBreceiveBCreditBLifeBinsuranceBinBwhichBofBtheBfollowingBforms?B

GroupBTermBLife

EndowmentB

GroupBWholeBLifeB

UniversalBLifeB-BAnswerGroupBTermBLife

CreditBLifeBInsuranceBmayBbeBissuedBtoBaBborrowerBinBtheBformBifBGroupBTermBLife

ABproducerBisBmeetingBwithBaBclientBtoBdetermineBwhetherBanBannuityBwouldBbeBsuitableBf
orBpurchase.BWhichBofBtheBfollowingBtopicsBneedsBtoBbeBdiscussedBwithBthisBclient?

LevelBofBeducationBcompletedB

FinancialBobjectivesB

PowerBofBattorneyB

PrimaryBphysicianB-BAnswerFinancialBobjectivesB

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new jersey life and health pre-licensing exam Questions and Ansdwers Updated 2026

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