• 101 questions

NJ Life Insurance Exam Questions on New Jersey Law

New Jersey insurance law only: pick an answer to see the rule and the statute section behind it.

How old must a person be to get a resident producer license in New Jersey under N.J.S.A. 17:22A-32?

Pick an answer, then press Check answer. Then you see Correct or Not quite, with the reason. Keys: A to D pick, Enter checks.

Print covers the next 25 questions. Share this set copies a link to the same questions in the same order.

Exam mode: 25 questions, no time limit.

More options

Unofficial practice questions, not affiliated with the New Jersey Department of Banking and Insurance. Bank checked October 4, 2026.

Next step Licensed in another state? Pick itAlso a state commission: notary practice test

All 101 questions

Producer licensing and penalties 27

  • A conviction of what grade of crime is a listed ground for action against a New Jersey producer license in N.J.S.A. 17:22A-40? N.J.S.A. 17:22A-40
  • A New Jersey insurer cancels an agency contract. How soon must it file written notice of cancellation with the commissioner under N.J.S.A. 17:22A-42? N.J.S.A. 17:22A-42
  • A New Jersey insurer reports the reason it ended a producer's appointment. When does the immunity from civil liability in N.J.S.A. 17:22A-43 not protect it? N.J.S.A. 17:22A-43
  • A New Jersey insurer wants to pay a service fee to an unlicensed person who sold a policy and needed a license to do it. What does N.J.S.A. 17:22A-41 say? N.J.S.A. 17:22A-41
  • A New Jersey producer fails for the first time to give the commissioner full, accurate and truthful information required by law. What is the top penalty under N.J.S.A. 17:22A-47.1? N.J.S.A. 17:22A-47.1
  • A New Jersey producer forgot to renew and does not want to sit the test again. N.J.S.A. 17:22A-33 keeps reinstatement of the same license open for how long, counted from the date the fee was due? N.J.S.A. 17:22A-33
  • A New Jersey producer is indicted and tells nobody. After how long is the failure to notify the commissioner itself a ground for discipline under N.J.S.A. 17:22A-40? N.J.S.A. 17:22A-40
  • A New Jersey producer moves to a new home in March. How long does N.J.S.A. 17:22A-33 give to inform the commissioner? N.J.S.A. 17:22A-33
  • A New Jersey producer plans to trade under a name that is not the producer's legal name. When must the commissioner be told under N.J.S.A. 17:22A-36? N.J.S.A. 17:22A-36
  • A New Jersey producer sells a health insurance policy to a resident. What must the producer tell the purchaser in writing under N.J.S.A. 17:22A-41.1? N.J.S.A. 17:22A-41.1
  • A New Jersey producer violates the licensing act a second time. What is the top penalty for that offense under N.J.S.A. 17:22A-45? N.J.S.A. 17:22A-45
  • A producer licensed in Ohio becomes a legal resident of New Jersey. Within how long must an application for a resident license be made under N.J.S.A. 17:22A-35? N.J.S.A. 17:22A-35
  • Along with a name and address, what must a New Jersey license applicant give the commissioner for the background check in N.J.S.A. 17:22A-32? N.J.S.A. 17:22A-32
  • Before the commissioner approves a New Jersey resident producer license, what must the applicant have completed for each line of authority applied for under N.J.S.A. 17:22A-32? N.J.S.A. 17:22A-32
  • Besides a penalty, what may the New Jersey commissioner or a court order a violator to pay under N.J.S.A. 17:22A-45? N.J.S.A. 17:22A-45
  • By what means does an insurer appoint a licensed producer as its agent in New Jersey under N.J.S.A. 17:22A-42? N.J.S.A. 17:22A-42
  • Disciplinary proceedings by which body, named in N.J.S.A. 17:22A-47, must a New Jersey producer report to the commissioner? N.J.S.A. 17:22A-47
  • For which New Jersey resident applicant must the commissioner waive the licensing fee under N.J.S.A. 17:22A-44? N.J.S.A. 17:22A-44
  • How old must a person be to get a resident producer license in New Jersey under N.J.S.A. 17:22A-32? N.J.S.A. 17:22A-32
  • How soon after an ex parte order is entered against a New Jersey producer must the preliminary hearing on it be held under N.J.S.A. 17:22A-45? N.J.S.A. 17:22A-45
  • In which languages must the New Jersey producer examination and its registration materials be offered under N.J.S.A. 17:22A-31? N.J.S.A. 17:22A-31
  • The New Jersey commissioner enters an order against a producer on ex parte proofs, before the hearing is finished. On how much notice may an application be made to vacate it under N.J.S.A. 17:22A-45? N.J.S.A. 17:22A-45
  • Under N.J.S.A. 17:22A-47.1, what is the top penalty for a third failure by a New Jersey producer to report as required? N.J.S.A. 17:22A-47.1
  • Under what act is the hearing held when a New Jersey applicant contests the denial of a producer license, by N.J.S.A. 17:22A-40? N.J.S.A. 17:22A-40
  • What is the longest term of a temporary producer license issued without an examination in New Jersey under N.J.S.A. 17:22A-37? N.J.S.A. 17:22A-37
  • What is the most a New Jersey producer may be charged as a penalty for a renewal fee received after its due date under N.J.S.A. 17:22A-33? N.J.S.A. 17:22A-33
  • What is the top penalty for a first offense against the New Jersey producer licensing act under N.J.S.A. 17:22A-45? N.J.S.A. 17:22A-45

Life policy provisions and claims 21

  • A New Jersey applicant makes a false statement in a life insurance application. When does it bar recovery under N.J.S.A. 17B:24-3? N.J.S.A. 17B:24-3
  • A New Jersey insurer owes a policy payment to a 16-year-old. How much in one calendar year may it pay the minor directly under N.J.S.A. 17B:24-2? N.J.S.A. 17B:24-2
  • A New Jersey life insurer needs more documents before it can decide a death claim. By which calendar day after due proof must it tell the claimant in writing under N.J.S.A. 17B:25-11? N.J.S.A. 17B:25-11
  • A New Jersey life insurer pays an overdue premium by an automatic policy loan. By when must its notice of the loan be mailed under N.J.S.A. 17B:25-10.1? N.J.S.A. 17B:25-10.1
  • A New Jersey life policy may not shorten the time to bring an action on it below how long after the cause of action accrues, under N.J.S.A. 17B:25-15? N.J.S.A. 17B:25-15
  • A New Jersey life policyholder pays an overdue premium during the grace period. What is the most interest the insurer may charge under N.J.S.A. 17B:25-3? N.J.S.A. 17B:25-3
  • A New Jersey ordinary life policy lapsed for an unpaid premium. Within how long from the due date may it be reinstated under N.J.S.A. 17B:25-9? N.J.S.A. 17B:25-9
  • A New Jersey resident receives a new individual life policy and has second thoughts. What is the shortest cancellation period the notice on it may state under N.J.S.A. 17B:25-2.1? N.J.S.A. 17B:25-2.1
  • After a New Jersey life insurer receives the further document it asked for, by which calendar day must it pay or deny the death claim under N.J.S.A. 17B:25-11? N.J.S.A. 17B:25-11
  • For how long must a New Jersey life policy be in force during the insured's lifetime before it is incontestable under N.J.S.A. 17B:25-4? N.J.S.A. 17B:25-4
  • From what age may a minor in New Jersey contract for life insurance on his or her own life under N.J.S.A. 17B:24-2? N.J.S.A. 17B:24-2
  • How long may a New Jersey life insurer put off granting a policy loan that is not for paying a premium under N.J.S.A. 17B:25-8? N.J.S.A. 17B:25-8
  • In whose life does N.J.S.A. 17B:24-1.1 say a New Jersey individual always has an insurable interest? N.J.S.A. 17B:24-1.1
  • N.J.S.A. 17B:25-7 says when a New Jersey participating life policy, other than an industrial one, must start taking its yearly part of divisible surplus. Which policy year is the latest it may start? N.J.S.A. 17B:25-7
  • The owner of a New Jersey life policy stopped paying and wants a paid-up nonforfeiture benefit. N.J.S.A. 17B:25-19 gives how long from the missed due date to ask for it? N.J.S.A. 17B:25-19
  • Under N.J.S.A. 17B:24-2, how much may a New Jersey insurer pay in a calendar year straight to a minor who is at least 18? N.J.S.A. 17B:24-2
  • What gives one New Jersey individual an insurable interest in the life of another under N.J.S.A. 17B:24-1.1? N.J.S.A. 17B:24-1.1
  • What grace period for premiums after the first does N.J.S.A. 17B:27-72 give the policyholder of a New Jersey group life policy? N.J.S.A. 17B:27-72
  • What rate of interest does an overdue New Jersey death claim earn under N.J.S.A. 17B:25-11? N.J.S.A. 17B:25-11
  • What reinstatement period does N.J.S.A. 17B:25-9 set for a New Jersey industrial life policy? N.J.S.A. 17B:25-9
  • Within how long after due proof of death must a New Jersey life policy provide that a death claim is settled under N.J.S.A. 17B:25-11? N.J.S.A. 17B:25-11

Annuities sold to consumers 12

  • A New Jersey consumer receives an annuity solicited directly to her. For at least how many days after she receives it may she cancel under N.J.S.A. 17B:25-39? N.J.S.A. 17B:25-39
  • A New Jersey producer gives a client an incomplete comparison of two annuity contracts to get the client to surrender one. What does the heading of N.J.S.A. 17B:30-6 call this? N.J.S.A. 17B:30-6
  • From which event does the cancellation period for a New Jersey consumer annuity run under N.J.S.A. 17B:25-39? N.J.S.A. 17B:25-39
  • How does N.J.S.A. 17B:25-35 define a "consumer" for the New Jersey rules on annuities solicited directly to consumers? N.J.S.A. 17B:25-35
  • How does N.J.S.A. 17B:25-42 class a violation of the New Jersey consumer annuity act? N.J.S.A. 17B:25-42
  • How often must a New Jersey insurer give the owner of a consumer annuity a report on the annuity under N.J.S.A. 17B:25-40? N.J.S.A. 17B:25-40
  • Under the definition in N.J.S.A. 17B:25-35, when is the first income payment of a New Jersey "deferred annuity" due? N.J.S.A. 17B:25-35
  • Under which provisions must information gathered to meet the New Jersey consumer annuity act be collected and kept, by N.J.S.A. 17B:25-41? N.J.S.A. 17B:25-41
  • What marketing does the New Jersey Legislature say the annuity standards are meant to prevent, in N.J.S.A. 17B:25-34? N.J.S.A. 17B:25-34
  • Which item must the report to a New Jersey annuity owner include under N.J.S.A. 17B:25-40? N.J.S.A. 17B:25-40
  • Which New Jersey annuity is left out of the suitability section, N.J.S.A. 17B:25-38? N.J.S.A. 17B:25-38
  • Which two documents does the heading of N.J.S.A. 17B:25-37 name for New Jersey annuities solicited to consumers? N.J.S.A. 17B:25-37

Health policy provisions 15

  • A New Jersey health insurer cancels a policy under the optional cancellation provision of N.J.S.A. 17B:26-24. How much written notice must the insured get? N.J.S.A. 17B:26-24
  • A New Jersey health insurer that keeps the right to refuse renewal must deliver its notice at least how long before the premium due date, under the grace period provision of N.J.S.A. 17B:26-6? N.J.S.A. 17B:26-6
  • A New Jersey health policy is reinstated. From when does the reinstated policy cover loss due to sickness under N.J.S.A. 17B:26-7? N.J.S.A. 17B:26-7
  • A New Jersey health policy pays for loss of life and no beneficiary designation is in effect. Who is paid under N.J.S.A. 17B:26-12? N.J.S.A. 17B:26-12
  • A New Jersey health policy provides periodic payment for a loss. On what schedule, at the least frequent, does N.J.S.A. 17B:26-11 have the accrued amounts paid? N.J.S.A. 17B:26-11
  • A New Jersey individual health policy covers "children under a specified age". What is the highest age N.J.S.A. 17B:26-2 allows the policy to specify? N.J.S.A. 17B:26-2
  • A New Jersey insured cancels a health policy under the provision in N.J.S.A. 17B:26-24. How is the earned premium figured? N.J.S.A. 17B:26-24
  • A New Jersey insurer wants to void an individual health policy over an honest mistake in the application. How long after issue does N.J.S.A. 17B:26-5 shut that door? N.J.S.A. 17B:26-5
  • A New Jersey insurer, not the insured, cancels a health policy under N.J.S.A. 17B:26-24. How is the earned premium figured? N.J.S.A. 17B:26-24
  • A New Jersey resident receives a new individual health policy. How long does the notice required by N.J.S.A. 17B:26-3.1 give to cancel it? N.J.S.A. 17B:26-3.1
  • Apart from legal incapacity, what is the latest a New Jersey health claimant may furnish proof of loss after the time it is otherwise required under N.J.S.A. 17B:26-10? N.J.S.A. 17B:26-10
  • How long after furnishing written proof of loss must a New Jersey health claimant wait before suing on the policy under N.J.S.A. 17B:26-14? N.J.S.A. 17B:26-14
  • Premiums on a New Jersey individual health policy fall due every week. How many days of grace must N.J.S.A. 17B:26-6 give at a minimum? N.J.S.A. 17B:26-6
  • What is the smallest type size for the text of a New Jersey individual health policy under N.J.S.A. 17B:26-2? N.J.S.A. 17B:26-2
  • When must a New Jersey health insurer pay a loss that is not a periodic payment under the provision in N.J.S.A. 17B:26-11? N.J.S.A. 17B:26-11

Unfair practices and penalties 13

  • A New Jersey insurer holds back payment on one clear part of a claim to push the claimant to settle another part. How does N.J.S.A. 17B:30-13.1 treat this when done as a general practice? N.J.S.A. 17B:30-13.1
  • A New Jersey producer offers to hand back part of the first premium if a client buys an annuity. Which practice does N.J.S.A. 17B:30-13 forbid here? N.J.S.A. 17B:30-13
  • A person breaks a cease and desist order of the New Jersey commissioner. What penalty for each violation does N.J.S.A. 17B:30-20 set? N.J.S.A. 17B:30-20
  • Between which individuals does N.J.S.A. 17B:30-12 forbid unfair discrimination in New Jersey life insurance rates? N.J.S.A. 17B:30-12
  • Paying bonuses to policyholders out of surplus is treated how by N.J.S.A. 17B:30-14? N.J.S.A. 17B:30-14
  • The person knew or reasonably should have known the practice broke the New Jersey trade practices chapter. What does the penalty for each act rise to under N.J.S.A. 17B:30-17? N.J.S.A. 17B:30-17
  • Two New Jersey insurers agree to refuse all dealings with one agency to drive it out of business. Which heading of the trade practices chapter covers this, at N.J.S.A. 17B:30-8? N.J.S.A. 17B:30-8
  • What is the heading of N.J.S.A. 17B:30-7, which bars circulating certain statements about another insurer in New Jersey? N.J.S.A. 17B:30-7
  • What must a New Jersey insurer promptly give a claimant when it denies a claim, to stay clear of N.J.S.A. 17B:30-13.1? N.J.S.A. 17B:30-13.1
  • What penalty for each act may the New Jersey commissioner order for an unfair practice when the person did not know of the violation, under N.J.S.A. 17B:30-17? N.J.S.A. 17B:30-17
  • When do the claim practices listed in N.J.S.A. 17B:30-13.1 become unfair claim settlement practices in New Jersey? N.J.S.A. 17B:30-13.1
  • Which is on the list of unfair claim settlement practices in N.J.S.A. 17B:30-13.1? N.J.S.A. 17B:30-13.1
  • Which New Jersey section bars circulating an illustration that misrepresents the terms of a policy or annuity contract? N.J.S.A. 17B:30-3

Guaranty association 13

  • A New Jersey life insurer fails. Up to what sum does N.J.S.A. 17B:32A-3 have the guaranty association stand behind the death benefits owed on any one person? N.J.S.A. 17B:32A-3
  • A seat on the board of the New Jersey guaranty association falls vacant in the middle of a term. How is it filled under N.J.S.A. 17B:32A-6? N.J.S.A. 17B:32A-6
  • Against which liability may a member insurer offset its New Jersey guaranty association assessments under N.J.S.A. 17B:32A-18? N.J.S.A. 17B:32A-18
  • An insurer gives up its New Jersey certificate of authority. For how long does it remain a member insurer of the guaranty association under N.J.S.A. 17B:32A-5? N.J.S.A. 17B:32A-5
  • By when must the summary document about the New Jersey guaranty association reach a policy owner under N.J.S.A. 17B:32A-17? N.J.S.A. 17B:32A-17
  • How many member insurers sit on the board of directors of the New Jersey guaranty association under N.J.S.A. 17B:32A-6? N.J.S.A. 17B:32A-6
  • Of the annuity limit in N.J.S.A. 17B:32A-3, how much may be net cash surrender and withdrawal values under the New Jersey guaranty law? N.J.S.A. 17B:32A-3
  • What does the heading of N.J.S.A. 17B:32A-17 say about the New Jersey guaranty association and selling? N.J.S.A. 17B:32A-17
  • What is the New Jersey guaranty association limit for any one unallocated annuity contract under N.J.S.A. 17B:32A-3? N.J.S.A. 17B:32A-3
  • What present value of annuity benefits on one life does the New Jersey guaranty association cover under N.J.S.A. 17B:32A-3? N.J.S.A. 17B:32A-3
  • Which is the first of the two accounts the New Jersey guaranty association keeps under N.J.S.A. 17B:32A-5? N.J.S.A. 17B:32A-5
  • Which official oversees the work of the New Jersey guaranty association, by N.J.S.A. 17B:32A-5? N.J.S.A. 17B:32A-5
  • Within the death benefit limit of N.J.S.A. 17B:32A-3, how much net cash surrender value of New Jersey life insurance is covered on one life? N.J.S.A. 17B:32A-3

How it works

These unofficial NJ life insurance exam questions ask the law only: 101 free practice questions written from the New Jersey Statutes, Titles 17 and 17B, health sections included. Policy types, underwriting and textbook theory are not part of this bank.

Read the full guide

What the New Jersey law questions cover

Six groups: producer licensing and penalties, life policy provisions and claims, annuities sold to consumers, health policy provisions, unfair practices and penalties, and the guaranty association. Whatever you miss is kept in a pile of its own.

Studying for life insurance alone

Set the topic filter to Life policy provisions and claims, then to Annuities sold to consumers. Licensing and guaranty association questions count for life and health alike. Every answer names its N.J.S.A. section; the link opens the Legislature's statutes page, where you look the number up.

  • Death claims: settled within 60 days after receipt of due proof of death (17B:25-11).
  • A lapsed producer license: reinstated within 12 months of the renewal fee's due date with no written exam (17:22A-33).
  • Producer penalties: up to $5,000 for a first offense and $10,000 for each later one (17:22A-45).

Questions and answers

How many questions are on the NJ life insurance test?

Not from this page. The New Jersey statutes read for this bank set no length, time limit or pass mark for the exam, and Exam mode draws 25 questions only as a set size.

Is the New Jersey insurance exam offered in Spanish?

N.J.S.A. 17:22A-31 says the examination and registration materials shall be offered in English and Spanish. The practice questions on this page are in English only.

How many continuing education hours does a New Jersey insurance producer need?

The sections read for this bank name no number of hours, and this page will not guess one. N.J.S.A. 17:22A-33 does say a lapsed license may be reinstated within 12 months of the renewal fee's due date without a written examination.

Are these the real NJ life insurance exam questions?

No. The state exam has never been seen by this site. The questions were written from the New Jersey Statutes, and the New Jersey Department of Banking and Insurance did not write or review them.

More tests

Show 5 more

Browse Civics and Law