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Insurance Licensing Certification
NJ-Life-Producer Exam
InsuranceLicensing.NJ-Life-Producer.v2026-06-09.q33 Dumps

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Question 31

Which of the following is a characteristic of conversion from group to permanent life insurance?

A.Premium for the new policy will be based on the age when first covered by the group policy.
B.Conversion must be to term insurance.
C.Proof of insurability is required.
D.Conversion must be applied for within 1 month of termination.

Correct Answer: D

A group life conversion privilege generally allows the insured to convert terminated group coverage to an individual policy within approximately 31 days, commonly expressed in exam language as "within 1 month of termination." New Jersey public employee group life conversion guidance states that coverage continues for the next 31 days after termination of employment or expiration of the insured period, and conversion may be made during that period without medical examination. The converted policy is generally an individual permanent life policy customarily offered by the insurer, not term insurance. Therefore, option B is wrong.
Option C is wrong because a major purpose of the conversion privilege is that no evidence of insurability or medical examination is required when conversion is timely exercised. Option A is wrong because premiums for the converted individual policy are based on the insured's attained age at conversion, not the age when first covered under the group plan. Reference topics: Group Life Conversion, 31-Day Conversion Period, No Evidence of Insurability, Permanent Individual Policy.

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Question 32

After a New Jersey producer license has been revoked, the licensee may not reapply for a new license for a minimum of

A.5 years.
B.3 years.
C.1 year.
D.6 months.

Correct Answer: A

A New Jersey producer whose license has been revoked must wait five years before applying for reinstatement or a new producer license. This is a disciplinary licensing rule, not the same as a simple late renewal or lapse. A late renewal may involve reinstatement procedures within a shorter period, but revocation is a formal enforcement action based on misconduct or disqualification. New Jersey Administrative Code Section 11:17D-2.7 states that a person whose producer license has been revoked may apply after five years from the effective date of the revocation order. That makes option A the only correct answer. The distractors of 3 years, 1 year, and 6 months are too short and confuse revocation with less severe licensing issues. For exam purposes, remember this as a hard-number rule: revocation = five-year minimum before reapplication.
The applicant must also satisfy the professional qualification requirements when seeking reinstatement; the five-year waiting period alone does not guarantee approval. Reference topics: Producer License Discipline, Revocation, Reinstatement After Revocation.

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Question 33

The Producer Licensing regulation requires that a branch office be open to the public

A.No less than forty hours per week.
B.Monday through Friday from 8 a.m. to 5 p.m.
C.At least one evening per week and one Saturday per month.
D.On a posted schedule that provides reasonable access.

Correct Answer: D

A New Jersey insurance producer branch office must be open to the public during hours and days that provide reasonable access, and the office must post its hours and days of operation in a manner reasonably calculated to inform the public. New Jersey Administrative Code Section 11:17-2.9 directly states this branch-office rule. The regulation does not require a rigid 40-hour week, nor does it mandate a Monday-through-Friday 8 a.
m. to 5 p.m. schedule. It also does not require evening hours or a Saturday schedule. The legal standard is practical access, not a fixed statewide business calendar. The producer must also notify the Department in writing of a branch-office closing within the required timeframe, reinforcing that branch-office operations are regulated but flexible. The exam trap is assuming traditional office hours. The correct regulatory language is broader: posted hours and reasonable public access. Reference topics: Producer Branch Offices, Posted Hours, Reasonable Access, New Jersey Producer Licensing Regulation.

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