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Trusted Exam Life-Producer Review | Easy To Study and Pass Exam at first attempt & Useful Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27)

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Maryland Insurance Administration Life-Producer Practice Test In Desktop Format

At TestInsides, we are aware that every applicant of the Maryland Life Producer Exam (Series 20-27) (Life-Producer) examination is different. We know that everyone has a distinct learning style, situations, and set of goals, therefore we offer Maryland Insurance Administration Life-Producer updated exam preparation material in three easy-to-use formats to accommodate every exam applicant's needs. This article will go over the three formats of the Maryland Life Producer Exam (Series 20-27) (Life-Producer) practice material that we offer.

Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q68-Q73):

NEW QUESTION # 68
Which of the following statements about participating life insurance is true?

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

Answer: C

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 # 69
An insurer may refuse to underwrite a particular insurance applicant for a reason based wholly on:

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

Answer: D

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 # 70
The purpose of the Life and Health Insurance Guaranty Corporation is to guarantee:

A. That an insurance company will never fail.
B. The issuance of life insurance and health insurance policies.
C. Benefits if the insurer is unable to pay benefits due to impairment or insolvency.
D. The issuance of life insurance policies.

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:
The Life and Health Insurance Guaranty Corporation provides financial protection to policyholders:
Guarantees benefits in case of insurer insolvency (C), ensuring policyholders do not lose coverage.
It does not guarantee the issuance of policies (A and B), as policy issuance depends on underwriting.
It cannot ensure an insurer will never fail (D) but mitigates the impact of failure.
References: Maryland Life and Health Guaranty Corporation Act, Maryland Insurance Code.

NEW QUESTION # 71
How long will income benefit payments continue under a life annuity with ten years certain?

A. Until the annuitant dies, and for an additional ten years
B. Only for ten years, regardless of how long the annuitant lives
C. Until the annuitant dies, or for ten years, whichever is longer
D. Only until the annuitant dies, regardless of when death occurs

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:A life annuity with aten years certainprovision guarantees payments for at least ten years. If theannuitant dies before the end of ten years, payments continue to the beneficiary for the remainder of the period.
* Until the annuitant dies, or for ten years, whichever is longer (A):Ensures payments for life with a minimum ten-year guarantee.
* Until the annuitant dies, and for an additional ten years (B):Incorrect; payments cease after the guaranteed period or the annuitant's lifetime.
* Only until the annuitant dies (C):Incorrect; the ten-year guarantee applies.
* Only for ten years (D):Incorrect; payments continue if the annuitant outlives the guaranteed period.
References:Maryland Annuity Payout Options Guidelines, COMAR 31.09.08.

NEW QUESTION # 72
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. Cost recovery
C. Period certain
D. Cash refund

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 # 73
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