NJ-Life-Producer問題集、Insurance Licensing実際の試験問題

質問 1

A type of life insurance policy that provides for payment of the face amount at the end of the specified period if the insured is still alive is

A. An endowment policy.

B. A universal life insurance policy.

C. A modified life insurance policy.

D. A juvenile trust.

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 2

Which type of insurance policy is characterized by premiums that are fully paid up within a stated period, after which no further premiums are required?

A. Basic installment insurance.

B. Prepaid premium insurance.

C. Lump sum insurance.

D. Limited payment life insurance.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 3

Which of the following is most likely used for underwriting purposes and includes information on an applicant's character and personal habits?

A. Buyer's Guide.

B. Agent report.

C. Medical Information Bureau report.

D. Investigative consumer report.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 4

A group life face amount is sometimes written as an amount equal to an employee's

A. Age.

B. Home value.

C. Salary.

D. Net worth.

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 5

Which of the following policies allows for a partial surrender?

A. Universal life.

B. Term life.

C. Modified whole life.

D. Variable whole life.

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 6

Insurance purchased on the life of a borrower to provide indemnity for a loan balance if the borrower dies is referred to as

A. Ticket life insurance.

B. Bank insurance.

C. Credit life insurance.

D. Liability indemnity insurance.

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 7

A Policy Summary must include all of the following information EXCEPT the

A. Effective policy loan annual percentage interest rate, where applicable.

B. Generic names of the basic policy and each rider.

C. Full name and home office address of the insurance company writing the policy.

D. Dividend history of the insurance company writing the policy.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 8

Which of the following actions by a producer is considered an unfair method of competition?

A. Offering broader coverages than a competitor.

B. Securing insurance for a client at a cheaper price than a competitor.

C. Overstating the benefits of an insurance policy.

D. Using television to advertise.

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 9

An immediate annuity is designed to make its first benefit payment to the annuitant typically

A. When the accumulation period, of at least 24 months, ends.

B. One month from the annuity's purchase date.

C. In the form of a lump sum payment.

D. Only after all cash surrender values, with interest, have been calculated.

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 10

Nancy purchased a life insurance policy with a face amount of $250,000. Over a period of years, the cash value in the policy accumulates to $50,000, and the face amount of the policy has become $300,000. This is an example of a

A. Limited-pay life insurance policy.

B. Modified premium whole life policy.

C. Universal life policy.

D. Participating whole life policy.

正解: C

解説: (PassTest メンバーにのみ表示されます)

Insurance Licensing New Jersey Life Producer - NJ-Life-Producer 模擬練習