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Download Free Updated Actual4Exams Maryland Insurance Administration Life-Producer Exam Dumps after Paying Affordable Charges

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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q44-Q49):

NEW QUESTION # 44
An individual life insurance policy may include coverage for all of the following EXCEPT:

A. Workers' compensation
B. Disability
C. Burial
D. Long-term care

Answer: A

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 # 45
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. Period certain
C. Installment refund
D. Cost recovery

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:
A "period certain" provision ensures payment for a specified period regardless of whether the annuitant survives:
Period certain (B) guarantees payments for a set number of years, protecting beneficiaries.
Cost recovery (A) and refund options (C and D) relate to refunding premiums or unpaid amounts but do not guarantee a payment period.
References: Maryland Annuity Regulations, Payment Options.

NEW QUESTION # 46
Who normally receives dividends in a stock insurance company?

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

Answer: B

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 # 47
The purpose of licensing insurance agents is to:

A. Demonstrate that the agent is qualified to act on behalf of insurers in Maryland
B. Monitor insurance sales activity in Maryland
C. Limit the number of agents who do business within Maryland
D. Regulate rates to prevent unfair discrimination among insureds

Answer: A

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 # 48
An insurer may refuse to underwrite a particular insurance applicant for a reason based wholly on:

A. Creed
B. Medical condition
C. Race
D. Gender

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:Maryland law allows insurers to considermedical conditions (A)as part of the underwriting process, provided it is done fairly and within legal boundaries.
* Race (B), Gender (C), and Creed (D):Discrimination based on these factors is strictly prohibited under Maryland's anti-discrimination laws and the Unfair Trade Practices Act.
Insurers must comply with state and federal regulations, ensuring underwriting decisions are based on actuarially justified factors, such as health and lifestyle, rather than prohibited discriminatory criteria.
References:Maryland Insurance Article §27-501, Anti-Discrimination Guidelines, and COMAR 31.15.03.

NEW QUESTION # 49
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