NJ-Life-Producer 無料問題集「Insurance Licensing New Jersey Life Producer」

（A）Assure that spokespersons are properly compensated.

（B）Ensure that the insurance company is supervising its agents properly.

（C）Ensure that the prospect has all the required information to make an informed decision.

（D）Assure full and truthful disclosure to the public.

（A）A complete comparison of the existing policy to the new policy.

（B）Notice that the owner can return the policy within 90 days for a full refund.

（C）Notification of the proposed replacement to the insurer whose policies are intended to be replaced.

（D）Notification of what constitutes a replacement.

（A）Insured's spouse.

（B）Insured's estate.

（C）Insured's business partner.

（D）Insured's child.

（A）The address of the producer.

（B）The producer's name as it appears on the license.

（C）The producer's license number.

（D）A personal biography.

（A）Overstating the benefits of an insurance policy.

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

（C）Using television to advertise.

（D）Offering broader coverages than a competitor.

（A）Insurers must obtain the proposed insured's written informed consent prior to testing.

（B）They are not permitted.

（C）Insurers need only obtain the proposed insured's verbal informed consent prior to testing.

（D）Insurers do not need to obtain the proposed insured's informed consent prior to testing.

（A）Agent and individual agree on coverage.

（B）Policy is actually issued.

（C）Application is submitted.

（D）Premium is collected and policy is issued.

（A）To provide for the early payment of the death benefit for a terminally ill insured.

（B）To decrease the tax liability of the insured's estate.

（C）To increase the death benefit by a stated percentage.

（D）To adjust the death benefit to keep up with inflation.

（A）The policy's cash value will continue to grow, but at a slower rate because the insured is no longer paying premiums.

（B）The death benefit will be reduced by the amount of the unpaid premiums.

（C）The insured will automatically become eligible for Accelerated Death Benefits.

（D）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.

（A）Premium limit.

（B）Premium amount.

（C）Frequency of the premium payment.

（D）Method of premium payment.