Nj life insurance - Study guides, Class notes & Summaries
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NJ Life Insurance Exam Questions with Answers (Latest Update 2023)
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NJ Life Insurance Exam Questions with Answers (Latest Update 2023)
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NJ LIFE PRODUCER EXAM (INSURANCE AND LAWS) LATEST VERSION 2024-2025 WITH ACTUAL QUESTIONS AND CORRECT VERIFIED ANSWERS|ALREADY GRADED A+|100% GUARANTEED TO PASS CONCEPTS
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NJ LIFE PRODUCER EXAM (INSURANCE AND LAWS) LATEST VERSION WITH ACTUAL QUESTIONS AND CORRECT VERIFIED ANSWERS|ALREADY GRADED A+|100% GUARANTEED TO PASS CONCEPTS
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NJ Life Producer Exam Study Life Insurance Questions and Answers 100% Pass
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NJ Life Producer Exam Study Life 
Insurance Questions and Answers 100% 
 
Pass 
 
An insurer must renew a renewable term policy at the policyowner's request regardless of the 
insurability status of the insured. Renewable Term Life Insurance 
 
The settlement option that provides for payments to be made in regular installments to a 
beneficiary until the principal and interest are exhausted best describes: Fixed-amount 
 
What hours of operation is a branch office required to have? Must give pu...
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NJ Life Producer Exam Study Life Insurance/105 Questions and Answers
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NJ Life Producer Exam Study Life Insurance/105 Questions and Answers
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NJ LIFE INSURANCE TEST EXAM 2024 WITH 100% ACCURATE ANSWERS
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NJ LIFE INSURANCE TEST EXAM 2024 WITH 100% ACCURATE ANSWERS 
 
 
The principle that insurance is not a transaction of commerce and so should be regulated by the states was established by the 
 
A. the McCarran-Ferguson Act. 
 
B. Public Act 15. 
 
C. Paul v. Virginia. 
 
D. U.S. v. South Eastern Underwriters Association - correct answer ANSWER HERE 
A. The McCarran-Ferguson Act 
 
A contract between two insurance companies that allows one company to transfer risk to a second company is known as ...
And that's how you make extra money
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NJ Life Producer Exam (Insurance and Laws) Questions With 100% Correct Answers.
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NJ Life Producer Exam (Insurance and Laws) Questions With 100% Correct Answers.
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NJ LIFE INSURANCE LATEST UPDATE GRADED A+
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NJ LIFE INSURANCE LATEST UPDATE 
 
GRADED A+ 
 
Agency An insurance sales office or company 
 
agent An individual who is licensed to sell, negotiate, or effect insurance contracts on behalf 
of the insurer. 
 
agent appointment The authorization of an agent to act for or represent an insurer 
 
aleatory A contract in which participating parties exchange unequal amounts. Insurance 
contracts are aleatory in that the amount the insured will pay in premiums is unequal to the 
amount the insurer wi...
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NJ Life Insurance Exam Latest Update Graded A+
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NJ Life Insurance Exam Latest Update 
 
Graded A+ 
 
Adverse Selection insuring of risks that are more prone to losses than the average risk 
 
lapse policy termination due to nonpayment of premium 
 
Insurance transfers risk of loss from an individual or business entity to an insurance company 
which in turn spreads the costs of unexpected losses to many individuals 
 
Life Insurance protects against loss associated with an insured's death, and pays a death 
benefit to beneficiaries upon death...
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NJ Life Insurance Test Questions and Answers
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NJ Life Insurance Test Questions and Answers 
A reinstatement clause outlines reinstatement conditions that include - Answer-A. a higher premium charge. 
 
B. payment of outstanding loans within the year. 
 
C. proof of insurability. 
 
D. a decrease in policy limits. 
 
Answer 
C 
 
All of the following are characteristics of the Accelerated Death Benefit option EXCEPT - Answer-A. the maximum benefit is a percentage of the face amount of insurance, and there may also be a dollar limit 
 
B. s...
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NJ LIFE INSURANCE TEST EXAM 2024/2025 WITH 100% ACCURATE SOLUTIONS
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NJ LIFE INSURANCE TEST EXAM 2024/2025 WITH 100% ACCURATE SOLUTIONS 
 
 
 
The McCarran-Ferguson Act was passed by Congress to - Precise Answer Redefine the authority of the state and federal government to regulate the 
insurance industry 
 
The principle that insurance is not a transaction of commerce and so should be 
regulated by the state was established in: - Precise Answer Paul v. Virginia 
 
In New Jersey, a producer who violates a New Jersey insurance law for the first time 
may be fined ...
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