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Practice Life-Producer Engine, Life-Producer Labs

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Quiz Maryland Insurance Administration - Life-Producer –Efficient Practice Engine

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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q74-Q79):

NEW QUESTION # 74
Which of the following statements about participating life insurance is true?

A. The insured must be the policyowner.
B. Policyowners may be entitled to receive dividends.
C. Policyowners are assessed monthly for losses.
D. The insurer must be a stock company.

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:Participating life insurance policies, often issued by mutual companies, include the possibility of dividends:
* Dividends (A)represent a share of surplus profits distributed to policyowners.
* Policyowners are not assessed for losses (B); the insurer bears those.
* The insured and policyowner can be different individuals, making (C) incorrect.
* Mutual insurers typically issue participating policies, not stock companies (D).
References: Maryland Insurance Law on Participating Policies.

NEW QUESTION # 75
A life insurance policy becomes incontestable after it has been in force for:

A. 6 months
B. 2 years
C. 30 days
D. 3 years

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:Theincontestability clauseprevents insurers from voiding a policy after a specified period, except in cases of fraud or non-payment of premiums:
* 2 years (C):Maryland law mandates a maximum incontestability period of two years. After this period, the insurer cannot deny claims due to misstatements on the application.
* 30 days (A) and 6 months (B):Too short for standard incontestability clauses.
* 3 years (D):Exceeds the Maryland limit.
References:Maryland Insurance Article §16-203, Incontestability Clause Guidelines, and COMAR 31.09.09.

NEW QUESTION # 76
Publishing a derogatory article about the financial condition of an insurer that is false and calculated to injure the insurer is an example of:

A. Defamation
B. Extortion
C. Intimidation
D. Coercion

Answer: A

Explanation:
Comprehensive and Detailed Step by Step Explanation:Defamationinvolves publishing or circulating false, malicious statements intended to harm an insurer's reputation. It is prohibited under Maryland law to protect the integrity of insurers.
* Defamation (A):Includes any written or spoken communication that is untrue and harms the insurer's business standing.
* Intimidation (B):Relates to coercing individuals through threats, not publishing falsehoods.
* Extortion (C):Involves demanding something through threats, unrelated to false statements.
* Coercion (D):Involves forcing a party to act under duress, not relevant to publishing false information.
References:Maryland Insurance Article §27-205, Unfair Trade Practices and Consumer Protection Act.

NEW QUESTION # 77
Who normally receives dividends in a stock insurance company?

A. Shareholders
B. Producers
C. Only members of the board of directors
D. Beneficiaries

Answer: A

Explanation:
Comprehensive and Detailed Step by Step Explanation:In astock insurance company, shareholders are the owners and receive dividends from the company's profits.
* Shareholders (B):They are entitled to dividends when declared by the board of directors, based on profitability.
* Board of directors (A):Oversee corporate governance and do not individually receive dividends as a right.
* Beneficiaries (C):Receive policy death benefits, not dividends.
* Producers (D):Earn commissions or fees, not dividends.
References:Maryland Corporate Insurance Structure Rules, Stock vs. Mutual Insurer Regulations, COMAR
31.05.03.

NEW QUESTION # 78
An insurance producer who conducts business under an assumed or fictitious name must:

A. Apply for an additional appointment
B. Post a $10,000 bond
C. File the name with the Insurance Administration
D. Apply for an additional license

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:Insurance producers using an assumed or fictitious name for their business must file the name with the Maryland Insurance Administration (MIA).
* File the name with the Insurance Administration (A):This ensures transparency and compliance with regulatory standards.
* Apply for an additional license (B):Not required; the existing license covers the producer.
* Apply for an additional appointment (C):Applies when a producer represents multiple insurers, not for fictitious names.
* Post a $10,000 bond (D):Irrelevant to this context.
References: Maryland Insurance Administration Guidelines on Producer Licensing and Business Names.

NEW QUESTION # 79
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