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Interactive Life-Producer Course - Life-Producer Practice Test Pdf

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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q59-Q64):

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

A. No, because only an officer of the court can inspect these records
B. Yes, because all company and agency records are public domain
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
Which of the following is a requirement of an insurable risk?

A. The loss must be intentional.
B. The loss must be catastrophic.
C. The chance of loss must be calculable.
D. There must be a large number of different loss exposures.

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:Aninsurable riskmust meet specific criteria to ensure fair and financially viable coverage:
* Chance of loss must be calculable (C):Correct. Insurers need statistical data to assess risk and determine premiums.
* Loss must be intentional (A):Incorrect; intentional losses are not insurable.
* Loss must be catastrophic (B):Incorrect; catastrophic losses (e.g., war or large-scale disasters) are often excluded or managed through reinsurance.
* Large number of different loss exposures (D):A large number of similar, not different, exposures is required for risk pooling.
References:Maryland Insurance Principles, Actuarial Standards, and COMAR 31.09.14.

NEW QUESTION # 61
An insurance agent's license may be revoked for all of the following reasons EXCEPT:

A. Being convicted of a felony
B. Having no insurer appointment in effect for ten days
C. Having been found guilty of rebating
D. Violating any insurance statute or regulation

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:An agent's license can be revoked for serious infractions that violate Maryland's insurance laws:
* Rebating (B):Prohibited under Maryland's Unfair Trade Practices Act.
* Felony conviction (C):Grounds for revocation as it questions the agent's moral character.
* Violating insurance statutes or regulations (D):Includes infractions such as fraud, misrepresentation, or failure to meet ethical standards.
* Having no insurer appointment for ten days (A):Incorrect. A lack of appointment does not constitute a violation; it only affects the ability to conduct business temporarily.
References:Maryland Insurance Article §10-126, COMAR 31.03.02, and Licensing Enforcement Guidelines.

NEW QUESTION # 62
Which one of the following causes of death typically would be included under an accidental death rider attached to a life insurance policy?

A. Intentionally self-inflicted injuries
B. War or acts of war
C. Automobile accidents resulting from the insured's negligence
D. Illness or disease

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:An accidental death rider pays an additional benefit if death results solely from an accident.
* Automobile accidents resulting from the insured's negligence (D):Covered, as negligence does not negate the accidental nature of the event. The death must result directly from the accident without other contributing factors like illness.
* Intentionally self-inflicted injuries (A):Excluded, as they are not accidental.
* Illness or disease (B):Excluded, as accidental death benefits only apply to unforeseen events, not natural causes.
* War or acts of war (C):Excluded in most policies due to specific exclusions for wartime risks.
References:Maryland Insurance Administration Policy Rider Guidelines and Accidental Death Coverage Standards, COMAR 31.09.04.

NEW QUESTION # 63
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. Physician that furnished medical information to the insurer
B. Beneficiary of the policy
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 # 64
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Keith Woods Keith Woods

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