Insurance Licensing New Jersey Life Producer 認定 NJ-Life-Producer 試験問題:
1. A policyowner cannot change the beneficiary if he has named
A) An irrevocable beneficiary.
B) A permanent beneficiary.
C) A revocable beneficiary.
D) A spouse.
2. All of the following are examples of third-party ownership EXCEPT
A) Primary beneficiary.
B) Juvenile policies.
C) Key person insurance.
D) Collateral assignment.
3. 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) Beneficial.
B) Tax advantaged.
C) Suitable.
D) FDIC insured.
4. Which of the following statements is true regarding a Waiver of Premium Rider?
A) The insured will automatically become eligible for Accelerated Death Benefits.
B) There will be no change in the policy's rates, benefits, or options other than that the insured no longer has to pay the premiums on the policy.
C) The death benefit will be reduced by the amount of the unpaid premiums.
D) The policy's cash value will continue to grow, but at a slower rate because the insured is no longer paying premiums.
5. One area in which errors are commonly made on life insurance applications and for which the incontestable clause does not apply is
A) Age.
B) Occupation.
C) State of residence.
D) Education level.
質問と回答：
| 質問 # 1 正解： A | 質問 # 2 正解： A | 質問 # 3 正解： C | 質問 # 4 正解： B | 質問 # 5 正解： A |
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