New Jersey life and health pre-licensing Exam
2026/2027 Questions And Correct Answers Graded
A+
In accordance with New Jersey law, a Producer must remit health insurance
premiums to the insurer within what period?
7 business days
The names of the insurance companies represented by the producer
is available to the public
Producer license denials are appealed at a hearing before?
Office of Administrative Law
Carmen's individual life insurance policy has recently lapsed. She may reinstate
her policy within ___ year(s).
3
Producers may be found guilty of defamation if they make a false statement that is
intended to
malign another insurance company
,Reinstatement of an individual health insurance plan requires?
Payment of premium and evidence of insurability required
The marketing of Medicare Supplements is regulated to prevent all of the
following EXCEPT
Replacement of any existing coverage
The New Jersey Individual Health Coverage Program is designed to provide
comprehensive health benefits for
medically uninsurable New Jersey residents
Jay the producer is giving insurance advice regarding a prospect's existing
coverage. If Jay were to receive a fee for this advice (in addition to his
commission), he MUST
obtain a signed memorandum from the prospect acknowledging the amount of
compensation
What is the free-look period of a Medicare Supplement policy?
30 days
Replacement regulation is designed to protect
, policyowners from misrepresentations and loss of benefits
The New Jersey Life and Health Guaranty Association protects life insurance death
benefit claims up to
$500,000
When does the open enrollment period begin for Medicare supplements?
3 months before your 65th birthday
Which of the following actions is REQUIRED by an agent who is replacing an
existing life insurance policy?
Submit to the replacing insurer a list of the policies to be replaced
Which of the following is an example of defamation?
Using derogatory statements about an insurance company's financial condition
A Branch Office Certificate must be filed at least how many days before
conducting business at the specified Branch?
30 days
2026/2027 Questions And Correct Answers Graded
A+
In accordance with New Jersey law, a Producer must remit health insurance
premiums to the insurer within what period?
7 business days
The names of the insurance companies represented by the producer
is available to the public
Producer license denials are appealed at a hearing before?
Office of Administrative Law
Carmen's individual life insurance policy has recently lapsed. She may reinstate
her policy within ___ year(s).
3
Producers may be found guilty of defamation if they make a false statement that is
intended to
malign another insurance company
,Reinstatement of an individual health insurance plan requires?
Payment of premium and evidence of insurability required
The marketing of Medicare Supplements is regulated to prevent all of the
following EXCEPT
Replacement of any existing coverage
The New Jersey Individual Health Coverage Program is designed to provide
comprehensive health benefits for
medically uninsurable New Jersey residents
Jay the producer is giving insurance advice regarding a prospect's existing
coverage. If Jay were to receive a fee for this advice (in addition to his
commission), he MUST
obtain a signed memorandum from the prospect acknowledging the amount of
compensation
What is the free-look period of a Medicare Supplement policy?
30 days
Replacement regulation is designed to protect
, policyowners from misrepresentations and loss of benefits
The New Jersey Life and Health Guaranty Association protects life insurance death
benefit claims up to
$500,000
When does the open enrollment period begin for Medicare supplements?
3 months before your 65th birthday
Which of the following actions is REQUIRED by an agent who is replacing an
existing life insurance policy?
Submit to the replacing insurer a list of the policies to be replaced
Which of the following is an example of defamation?
Using derogatory statements about an insurance company's financial condition
A Branch Office Certificate must be filed at least how many days before
conducting business at the specified Branch?
30 days
