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100% Pass Maryland Insurance Administration Life-Producer - Maryland Life Producer Exam (Series 20-27) Marvelous Exam Forum
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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q66-Q71):
NEW QUESTION # 66
An individual life insurance policy may include coverage for all of the following EXCEPT:
- A. Long-term care
- B. Disability
- C. Burial
- D. Workers' compensation
Answer: D
Explanation:
Comprehensive and Detailed Step by Step Explanation:Individual life insurance policies often allow riders or supplementary coverage options, but they do not cover workers' compensation, which is a separate insurance category.
* Disability (A):Can be included as a rider, such as a waiver of premium or disability income benefit.
* Long-term care (B):Often available as an optional rider to address extended medical care expenses.
* Burial (D):Final expense policies or riders can be added to cover funeral and burial costs.
* Workers' compensation (C):Not covered under life insurance policies; this is a specific insurance product regulated differently.
References:Maryland Life Insurance Rider Guidelines, Workers' Compensation Insurance Regulations, and COMAR 31.09.03.
NEW QUESTION # 67
The amount received for a life insurance policy in a viatical settlement is:
- A. Greater than the death benefit
- B. Equal to the sum of all premiums paid
- C. Equal to the death benefit
- D. Less than the death benefit
Answer: D
Explanation:
Comprehensive and Detailed Step by Step Explanation:A viatical settlement allows a policyowner (often with a terminal illness) to sell their life insurance policy for immediate cash, typically to a third party.
* Less than the death benefit (D):The settlement amount is a fraction of the policy's face value, reflecting the buyer's expected profit after paying premiums and collecting the death benefit.
* Equal to the sum of all premiums paid (A):This is incorrect as premiums paid do not determine the settlement amount.
* Equal to the death benefit (B):The buyer profits from receiving the full death benefit upon the insured' s death, so they pay less upfront.
* Greater than the death benefit (C):This would result in a financial loss for the buyer, which is not the case in viatical settlements.
References: Maryland Viatical Settlement Act, COMAR 31.09.10, and Terminal Illness Policyholder Assistance Guidelines.
NEW QUESTION # 68
To have "an insurable interest" in the life of another person, an individual must have a reasonable expectation of:
- A. Gaining economically by the death of the other person
- B. Benefiting from the other person's continued life
- C. Seeing the other person survive to normal life expectancy
- D. Continuing on good terms with the other person
Answer: B
Explanation:
Comprehensive and Detailed Step by Step Explanation:Aninsurable interestexists when the policyholder benefits more from the insured's life than their death.
* Benefiting from the other person's continued life (C):Correct. This applies to relationships where there is a legal, financial, or familial dependence.
* Gaining economically by the death of the other person (A):Mischaracterizes insurable interest; financial gain from death without a legitimate relationship is unethical and illegal.
* Continuing on good terms (B) and seeing the person survive (D):Do not constitute insurable interest under Maryland law.
References:Maryland Insurance Article §12-201, Insurable Interest Guidelines, and COMAR 31.09.03.
NEW QUESTION # 69
The purpose of licensing insurance agents is to:
- A. Regulate rates to prevent unfair discrimination among insureds
- B. Monitor insurance sales activity in Maryland
- C. Limit the number of agents who do business within Maryland
- D. Demonstrate that the agent is qualified to act on behalf of insurers in Maryland
Answer: D
Explanation:
Comprehensive and Detailed Step by Step Explanation:
Insurance licensing ensures agents meet professional standards:
Licensure demonstrates qualifications (B) to act ethically and competently on behalf of insurers.
It does not limit the number of agents (A).
Sales activity monitoring (C) and rate regulation (D) are separate regulatory functions.
References: Maryland Insurance Administration Licensing Standards.
NEW QUESTION # 70
Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?
- A. Cash refund
- B. Cost recovery
- C. Installment refund
- D. Period certain
Answer: D
Explanation:
Comprehensive and Detailed Step by Step Explanation:A "period certain" option ensures benefit payments are made for a set duration even if the annuitant dies before the end of the period.
* Period certain (B)guarantees a minimum payment period to beneficiaries.
* Cost recovery (A)andrefund options (C and D)relate to returning unused premiums or unpaid balances but do not ensure a minimum payout period.
References: Maryland Annuity Regulations and Contract Features.
NEW QUESTION # 71
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