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Your Ultimate Resource Actual of Maryland Insurance Administration Life-Producer Questions

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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q55-Q60):

NEW QUESTION # 55
Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?

A. Installment refund
B. Cash refund
C. Period certain
D. Cost recovery

Answer: C

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 # 56
Which of the following statements about cash values in whole life insurance policies is true?

A. They equal the policy face value at age 65.
B. They typically increase until age 65 and remain level thereafter.
C. They result from the level premium concept.
D. They cannot be guaranteed.

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:Cash values in whole life insurance are a key feature, and they:
* Accumulate as a result of thelevel premium concept (A), where excess premiums in the early years of the policy build the cash value.
* Are guaranteedin whole life policies, contrary to option B.
* Do not equal the face value at age 65 (C) unless specifically structured for that purpose.
* Continue to grow beyond age 65 as long as the policy remains active, invalidating option D.
References: Maryland Insurance Guidelines on Whole Life Policies, Cash Value, and Premium Structures.

NEW QUESTION # 57
When a wage earner dies, the surviving family members may have all of the following expenses EXCEPT:

A. Unemployment tax liabilities
B. Family living expenses
C. Final expenses
D. Death taxes

Answer: A

Explanation:
Comprehensive and Detailed Step by Step Explanation:When a wage earner dies, surviving families face significant financial obligations:
* Final expenses (A):Include funeral costs and related end-of-life expenses.
* Family living expenses (C):Cover ongoing needs like housing, food, and utilities.
* Death taxes (D):May apply based on estate value and Maryland inheritance laws.
Unemployment tax liabilities (B)are irrelevant as they apply only to employers, not surviving family members.
References: Maryland Estate Tax and Death Benefit Regulations.

NEW QUESTION # 58
To have "an insurable interest" in the life of another person, an individual must have a reasonable expectation of:

A. Continuing on good terms with the other person
B. Gaining economically by the death of the other person
C. Benefiting from the other person's continued life
D. Seeing the other person survive to normal life expectancy

Answer: C

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 # 59
In general practice, can the Maryland Insurance Administration inspect the business records of an insurance company or agency?

A. Yes, because all company and agency records are public domain
B. No, because only an officer of the court can inspect these records
C. Yes, because of the powers defined by state laws
D. No, because of privacy considerations

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:The Maryland Insurance Administration (MIA) is authorized to inspect the records of insurers and agencies to ensure compliance with laws:
* Yes, because of the powers defined by state laws (B):Correct. The MIA has broad authority under Maryland law to audit, inspect, and investigate insurance business practices.
* No, because of privacy considerations (A):Incorrect. Regulatory inspections are exempt from privacy concerns when conducted lawfully.
* Only an officer of the court (C):Not required; the MIA operates independently within its legal mandate.
* Public domain records (D):Incorrect; insurance records are not publicly accessible unless required by law.
References:Maryland Insurance Article §2-209, COMAR 31.03.01, and Regulatory Oversight Guidelines.

NEW QUESTION # 60
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