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| Section | Weight | Objectives |
|---|---|---|
| Annuities and Retirement Products | 10% | - Fixed, indexed, and variable annuities - Tax treatment and suitability standards |
| Accident and Health / Sickness Insurance | 20% | - Disability income, medical expense, and long-term care - HMO, PPO, group vs individual coverage - Health insurance basics and policy provisions - Mandatory benefits and state-specific health rules |
| Insurance Regulation | 30% | - State insurance laws and Maryland regulations - Ethics, unfair trade practices, and consumer protection - Policy delivery, replacement rules, and disclosure - Licensing requirements and procedures |
| General Insurance Concepts | 15% | - Underwriting, premium calculation, and taxation - Contract law and principles - Insurable interest and risk management |
| Life Insurance Basics and Policies | 25% | - Policy provisions, riders, and options - Types of life insurance: term, whole, universal, variable - Beneficiaries, claims, and settlement options |
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NEW QUESTION # 219
When a single major medical contract covers all medical expenses, the plan is considered to be:
Answer: C
Explanation:
A single policy covering all medical expenses (Insurance Article, § 15-201) is comprehensive, unlike limited (specific), first-dollar (no deductible), or supplemental (add-on) plans.
References:Maryland Insurance Article, § 15-201; MIA major medical standards.
NEW QUESTION # 220
The life insurance buyer ' s guide includes information about all of the following EXCEPT how to:
Answer: B
Explanation:
The life insurance buyer's guide is designed to help potential policyholders make informed decisions about life insurance by:
Explaining how to decide how much life insurance to buy (C), ensuring individuals purchase adequate coverage for their needs.
Providing details to compare life insurance policy requirements (D) to evaluate and choose the best policy.
Showing how to compare rates (A) for different policies to find cost-effective options.
However, it does not 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 # 221
In dental insurance coverage, which one of the following typically is EXCLUDED?
Answer: B
Explanation:
Dental insurance (Insurance Article, § 15-201) covers preventive care, X-rays, and root canals, but excludes treatment started before the eligibility date to avoid claims for pre-existing work. This ensures coverage applies only to services initiated under the policy.
References:Maryland Insurance Article, § 15-201; MIA dental insurance standards.
NEW QUESTION # 222
Splitting the commission with the buyer on a sale of insurance is an unfair trade practice known as:
Answer: B
Explanation:
Rebating occurs when an insurance producer offers a portion of their commission, premium reductions, or other inducements to buyers that are not explicitly stated in the policy. It is prohibited under Maryland law to ensure fair competition and maintain ethical standards.
Rebating (D): Involves returning part of the commission or providing benefits not in the policy to incentivize a sale, violating Maryland Insurance Article §27-212.
Twisting (A): Refers to persuading a policyholder to lapse or replace a policy through misrepresentation, unrelated to commission-sharing.
Binding (B): Relates to confirming coverage but does not involve commissions.
Soliciting (C): Refers to seeking potential clients, not the unfair practice of rebating.
References: Maryland Unfair Trade Practices Act, COMAR 31.15.05, and Maryland Insurance Article §27-
209.
NEW QUESTION # 223
An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company's policy was superior to a competitor's product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?
Answer: A
Explanation:
Twisting (Insurance Article, § 27-203) involves misrepresenting policy benefits to induce replacement with an inferior product. Fraud is broader, discrimination isn't relevant, and rebating offers financial inducements, not misrepresentation.
References:Maryland Insurance Article, § 27-203; MIA trade practice rules.
NEW QUESTION # 224
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