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Reliable Life-Producer Test Labs, Exam Life-Producer Tutorials

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Posted on: 06/03/25

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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q42-Q47):

NEW QUESTION # 42
The life insurance buyer's guide includes information about all of the following EXCEPT how to:

  • A. Decide how much life insurance to buy
  • B. Calculate
  • C. Take civil action against an insurer
  • D. Compare life insurance policy requirements

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:The life insurance buyer's guide is designed to help potential policyholders make informed decisions about life insurance by:
* Explaininghow to decide how much life insurance to buy (C), ensuring individuals purchase adequate coverage for their needs.
* Providing details tocompare life insurance policy requirements (D)to evaluate and choose the best policy.
* Showing how tocompare rates (A)for different policies to find cost-effective options.
However, it doesnot include instructions for taking civil action against an insurer (B). Such legal matters fall outside the scope of the guide and are addressed in regulatory and legal channels.
References: Maryland Insurance Buyer's Guide Guidelines and State Insurance Regulations.


NEW QUESTION # 43
Which one of the following causes of death typically would be included under an accidental death rider attached to a life insurance policy?

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

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:Accidental death riders provide additional benefits if the insured dies due to an unforeseen accident.
* Automobile accidents resulting from the insured's negligence (D):Covered because negligence in driving does not disqualify the event from being an accident. The death must be directly and solely caused by the accident.
* Intentionally self-inflicted injuries (A):Excluded as they are not accidental but intentional.
* Illness or disease (B):Excluded as accidental death benefits do not apply to natural causes.
* War or acts of war (C):Generally excluded under most policies as a specific clause addresses wartime risks.
References:Maryland Insurance Guidelines for Accidental Death Riders and Policy Exclusions, COMAR
31.09.04.


NEW QUESTION # 44
The beneficiary of a life insurance policy is the:

  • A. Person or entity who has ownership interest in the policy
  • B. Owner of the cash value fund
  • C. Insurer that issues the policy
  • D. Person or entity designated in the policy to receive the death proceeds

Answer: D

Explanation:
Comprehensive and Detailed Step by Step Explanation:Thebeneficiaryis the individual or entity named in the life insurance policy to receive the death benefit upon the insured's death.
* Designated recipient of proceeds (B):The policyholder nominates this party in the policy documents.
* Ownership interest in the policy (A):Refers to the policyowner, who controls and funds the policy but may not be the beneficiary.
* Insurer (C):Issues and administers the policy but is not a recipient.
* Owner of the cash value fund (D):This pertains to cash value accumulation, separate from death benefit designation.
References: Maryland Life Insurance Policy Provisions and Beneficiary Designation Rules.


NEW QUESTION # 45
In determining the payment of accelerated life insurance benefits, all of the following are considered activities of daily living EXCEPT:

  • A. Eating
  • B. Bathing
  • C. Speaking
  • D. Dressing

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:Accelerated benefits are often triggered by the inability to performactivities of daily living (ADLs), which are standard measures of functional capacity.
* Dressing (A), Eating (B), Bathing (C):Correctly identified as ADLs used to assess eligibility for benefits.
* Speaking (D):Not classified as an ADL under Maryland insurance definitions or long-term care benefit triggers.
References:Maryland Accelerated Benefits Guidelines, Long-Term Care Standards, and COMAR 31.09.04.


NEW QUESTION # 46
A life insurance policy beneficiary's life expectancy has a direct bearing upon:

  • A. The taxable portion of each benefit payment under a life income settlement option
  • B. The policy value that will be includable in the insured's estate
  • C. The total amount payable under the policy as a result of the insured's death
  • D. The premium rate for each $1,000 of face amount

Answer: A

Explanation:
Comprehensive and Detailed Step by Step Explanation:Thetaxable portion of benefit payments under a life income settlement optiondepends on the beneficiary's life expectancy:
* Life expectancy impacts (B)how the payments are taxed, as longer payment durations result in more taxable income over time.
* Thepolicy's inclusion in the estate (A)is unrelated to the beneficiary's life expectancy.
* Thetotal death benefit (C)is fixed and not influenced by the beneficiary's lifespan.
* Premium rates (D)are determined during underwriting, not affected by beneficiary life expectancy.
References: Maryland Life Insurance Taxation Guidelines and IRS Settlement Option Rules.


NEW QUESTION # 47
......

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