LIFE-PRODUCER EXAM SAMPLE | EXAM LIFE-PRODUCER COURSE

Life-Producer Exam Sample | Exam Life-Producer Course

Life-Producer Exam Sample | Exam Life-Producer Course

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Tags: Life-Producer Exam Sample, Exam Life-Producer Course, Reliable Life-Producer Test Question, Life-Producer Certification Exam, Life-Producer Practice Guide

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

NEW QUESTION # 74
If a life insurer denies a policy of life insurance, the insurer shall disclose the results of any medicalexamination administered to determine insurability to the:

  • A. Beneficiary of the policy
  • B. Physician that furnished medical information to the insurer
  • C. Physician of the applicant's choice upon the request of the applicant
  • D. Company's underwriter

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:Maryland law requires that the results of medical examinations used to determine insurability:
* Be disclosed to thephysician of the applicant's choice (B), but only if the applicant requests it.
* This ensures privacy and confidentiality while giving the applicant access to critical information.
* Beneficiaries (A)andunderwriters (C)do not receive this information.
* Physicians furnishing information (D)already have access to their own submissions.
References: Maryland Insurance Code on Privacy and Disclosure of Medical Information.


NEW QUESTION # 75
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. Extortion
  • B. Intimidation
  • C. Coercion
  • D. Defamation

Answer: D

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 # 76
How long will income benefit payments continue under a life annuity with ten years certain?

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

Answer: D

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 # 77
The income benefits distributed during the liquidation phase of an annuity contract are normally payable to:

  • A. The annuitant
  • B. The owner
  • C. The nominator
  • D. The beneficiary

Answer: A

Explanation:
Comprehensive and Detailed Step by Step Explanation:
During the liquidation (or payout) phase of an annuity, the annuitant receives periodic payments:
The annuitant (D) is the individual designated to receive the payments, as they are the insured party in the contract.
The owner (A) is often the annuitant but may differ; the owner controls the contract but does not necessarily receive payments.
The beneficiary (B) receives the death benefit if the annuitant passes away, not the periodic payments.
"Nominator" (C) is not relevant terminology in annuities.
References: Maryland Insurance Guidelines on Annuities, Payment Distribution, and Liquidation.


NEW QUESTION # 78
An applicant for life insurance must be informed that testing for Human Immunodeficiency Virus (HIV) infection is used to help determine:

  • A. The effective date and term of coverage
  • B. Whether an insurable interest exists
  • C. The type of policy that will be issued
  • D. The insurability of the proposed insured

Answer: D

Explanation:
Comprehensive and Detailed Step by Step Explanation:HIV testing is used by insurers to evaluate the health risks associated with the applicant anddetermine insurability.
* The insurability of the proposed insured (D):Correct. HIV status can impact underwriting decisions, subject to Maryland's anti-discrimination laws.
* The type of policy issued (A):Irrelevant, as this is determined by the applicant's preferences and eligibility.
* Effective date and term of coverage (B):Determined separately from medical testing.
* Whether an insurable interest exists (C):Based on the relationship between the policyholder and insured, not medical testing.
References:Maryland Insurance Code §27-208, HIV Testing Disclosure Guidelines, and Maryland Human Rights Act.


NEW QUESTION # 79
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