1|Page
New Jersey Health Officer Licensing Exam
COMPLETE VERIFIED QUESTIONS AND DETAILED
SOLUTIONS LATEST UPDATE.pdf
Advertising material for a life insurance policy does NOT
need to contain which of the following?
Whether a spokesperson is paid
The company's true corporate name
Statements that dividends are not guaranteed
Agent's commission rate - Answer-Agent's commission
rate
The agent's compensation is not required to be included in
advertising
Advertising regulations exist in order to
Generate revenues for the state
Protect the rights of insurers
Check the backgrounds of company spokespersons
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Demonstrate full and truthful disclosures to the public -
Answer-Demonstrate full and truthful disclosures to the
public
In the state of New Jersey, the Guaranty Association
provides which if the following coverage in the event that a
member of company becomes insolvent?
$300,000 or the amount of the loss, whichever is greater
$300,000 or the amount of the loss, whichever is less
$500,000 or the amount of the loss, whichever is greater
$500,000 or the amount of the loss, whichever is less -
Answer-$500,000 or the amount of the loss, whichever is
less
EXCEPT for fraud, the time after issuance of a policy
during which an insurance company may contest a health
insurance claim due to the statements on an application is
2 years
5 years
10 days
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90 days - Answer-2 years
One of the roles of the Banking and Insurance
Commissioner is to
Regulate sales quotas for each insurer
Create insurance laws
Establish continuing education requirements
Set advertising budgets for each insurer - Answer-
Establish continuing education requirements
Insurance advertisements in a local newspaper are
regulated by?
The insurer creating the ad
Department of Banking and Insurance
Attorney General
Federal Trade Commision - Answer-Department of
Banking and Insurance
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Offering to return a portion of the premium to the insured
as an inducement to purchase insurance is an illegal act
known as which of the following?
Rebating
Unfair Discrimination
Defamation
Intimidation - Answer-Rebating
Rebating is offering a premium rebate, gift or special
advantage of any kind not specified in the contract to
consumers as an inducement to purchase an insurance
policy
Before conducting an HIV related test, an insured is
REQUIRED to obtain written authorization from the
Beneficiary
Department of Health
Proposed insured's primary physician
Proposed insured - Answer-proposed insured
New Jersey Health Officer Licensing Exam
COMPLETE VERIFIED QUESTIONS AND DETAILED
SOLUTIONS LATEST UPDATE.pdf
Advertising material for a life insurance policy does NOT
need to contain which of the following?
Whether a spokesperson is paid
The company's true corporate name
Statements that dividends are not guaranteed
Agent's commission rate - Answer-Agent's commission
rate
The agent's compensation is not required to be included in
advertising
Advertising regulations exist in order to
Generate revenues for the state
Protect the rights of insurers
Check the backgrounds of company spokespersons
,2|Page
Demonstrate full and truthful disclosures to the public -
Answer-Demonstrate full and truthful disclosures to the
public
In the state of New Jersey, the Guaranty Association
provides which if the following coverage in the event that a
member of company becomes insolvent?
$300,000 or the amount of the loss, whichever is greater
$300,000 or the amount of the loss, whichever is less
$500,000 or the amount of the loss, whichever is greater
$500,000 or the amount of the loss, whichever is less -
Answer-$500,000 or the amount of the loss, whichever is
less
EXCEPT for fraud, the time after issuance of a policy
during which an insurance company may contest a health
insurance claim due to the statements on an application is
2 years
5 years
10 days
,3|Page
90 days - Answer-2 years
One of the roles of the Banking and Insurance
Commissioner is to
Regulate sales quotas for each insurer
Create insurance laws
Establish continuing education requirements
Set advertising budgets for each insurer - Answer-
Establish continuing education requirements
Insurance advertisements in a local newspaper are
regulated by?
The insurer creating the ad
Department of Banking and Insurance
Attorney General
Federal Trade Commision - Answer-Department of
Banking and Insurance
, 4|Page
Offering to return a portion of the premium to the insured
as an inducement to purchase insurance is an illegal act
known as which of the following?
Rebating
Unfair Discrimination
Defamation
Intimidation - Answer-Rebating
Rebating is offering a premium rebate, gift or special
advantage of any kind not specified in the contract to
consumers as an inducement to purchase an insurance
policy
Before conducting an HIV related test, an insured is
REQUIRED to obtain written authorization from the
Beneficiary
Department of Health
Proposed insured's primary physician
Proposed insured - Answer-proposed insured
