Free New Jersey Life & Health Insurance Practice Exam 2026

New Jersey life and health insurance exam sample questions and answers

6 of the 150 practice questions, one from each topic, with the answer explained.

1. 1. A producer selling annuities uses a self-conferred senior specialist title in her ads. Under N.J.S.A. 17B:25-36, this is:

   • A.Allowed if disclosed in writing
   • B.A misleading use of a designation
   • C.Allowed for producers over 60
   • D.Allowed with the insurer's consent

   Answer: B. The statute treats a nonexistent or self-conferred certification or designation implying special expertise with seniors as untrue, deceptive or misleading in annuity sales. Accredited designations earned through real standards are presumed proper.

2. 2. No premium was paid with an application. The policy is issued on May 1 and delivered on May 10, when the producer collects the premium. Coverage begins:

   • A.On the application date
   • B.On the medical exam date
   • C.May 1
   • D.May 10

   Answer: D. With no premium at application, coverage starts only when the policy is delivered, the first premium is paid and a statement of good health is signed, which all happened on May 10. Issuing the policy on May 1 does not start coverage because the insurer had not yet received the premium.

3. 3. A producer sells a health insurance policy to a New Jersey resident. Under N.J.S.A. 17:22A-41.1, the producer must tell the buyer in writing:

   • A.The commission the producer will earn
   • B.The insurer's loss ratio for the year
   • C.The producer's own claim history
   • D.The names of competing insurers

   Answer: A. Producers selling health insurance to New Jersey residents must disclose in writing the amount of any commission, fee or other consideration they will receive, including the percentage of premium if that is the basis.

4. 4. An insured's group health policy covers dependents. Coverage for the insured's newborn child begins:

   • A.On the next premium date
   • B.After 31 days of life
   • C.At the moment of birth
   • D.After 14 days of life

   Answer: C. N.J.S.A. 17B:27-30 requires benefits for a newborn from the moment of birth, including care of congenital defects. If an added premium is due, the policy may require notice and payment within 90 days to continue coverage.

5. 5. A worker's own disability under the state TDB plan lasts four weeks. The first seven days of that disability are:

   • A.Never paid, as a waiting period
   • B.Paid only if she was hospitalized
   • C.Paid, as benefits ran three weeks
   • D.Paid by workers compensation

   Answer: C. N.J.S.A. 43:21-39(a)(1) sets a seven-day waiting period but pays those days retroactively once benefits have been payable for three consecutive weeks. Workers compensation covers only work-related injuries.

6. 6. A widow, 38, has a son who just turned 16. Her own Social Security survivor benefits stop until she reaches age 60. This gap is called the:

   • A.Blackout period
   • B.Probationary period
   • C.Elimination period
   • D.Waiting period

   Answer: A. A surviving parent's benefits end when the youngest child turns 16 and do not resume until the survivor reaches 60, a gap called the blackout period. An elimination period is the waiting time before disability income benefits begin.