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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance Basics and Policies | 25% | - Policy provisions, riders, and options - Types of life insurance: term, whole, universal, variable - Beneficiaries, claims, and settlement options |
| Topic 2: Annuities and Retirement Products | 10% | - Tax treatment and suitability standards - Fixed, indexed, and variable annuities |
| Topic 3: Accident and Health / Sickness Insurance | 20% | - HMO, PPO, group vs individual coverage - Health insurance basics and policy provisions - Disability income, medical expense, and long-term care - Mandatory benefits and state-specific health rules |
| Topic 4: General Insurance Concepts | 15% | - Insurable interest and risk management - Underwriting, premium calculation, and taxation - Contract law and principles |
| Topic 5: Insurance Regulation | 30% | - State insurance laws and Maryland regulations - Policy delivery, replacement rules, and disclosure - Licensing requirements and procedures - Ethics, unfair trade practices, and consumer protection |
>> Exam Life-and-Accident-and-Health-or-Sickness-Producer-Combo Questions <<
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NEW QUESTION # 120
(All of the following are advantages of whole life insurance EXCEPT:)
Answer: C
Explanation:
Comprehensive and Detailed Step by Step Explanation:
* Whole life basics:Permanent protection with guaranteed level premiums (typically), cash value accumulation, and death benefit.
* Check each statement:
* A: True advantage-whole life typically allows policy loans against cash value.
* B: True advantage-coverage is long-term/permanent (as long as premiums are paid).
* D: True advantage-cash value may be available upon surrender after enough time.
* C: Not an advantage-whole lifeusually costs more initiallythan equivalent term because it includes cash value and lifetime coverage features.
* Therefore C is the "EXCEPT"(the incorrect "advantage").
* Maryland reference:Marketing whole life as "cheaper than term" (for equivalent death benefit) can be misleading; Maryland prohibits incomplete or misleading disclosure of policy provisions/facts.
NEW QUESTION # 121
All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:
Answer: C
Explanation:
HMOs (Health-General Article, § 19-701) provide preventive care like checkups, immunizations, and exams.
Experimental surgery isn't preventive or standard, making it the exception to covered services.
References:Maryland Health-General Article, § 19-701; MIA HMO guidelines.
NEW QUESTION # 122
How many days does a former employee have to convert a group term policy to an individual policy after employment is terminated?
Answer: B
Explanation:
Under Maryland insurance law, a terminated employee has 31 days (D) to convert a group term life insurance policy into an individual policy without providing evidence of insurability.
This grace period allows individuals to maintain coverage while securing individual insurance.
10 (A), 20 (B), or 30 days (C) are incorrect, as Maryland mandates a specific 31-day window.
References: Maryland Conversion Rights in Group Life Insurance Policies, Section 15-401 of the Insurance Article.
NEW QUESTION # 123
What might be considered an unfair claims settlement practice?
Answer: A
Explanation:
Maryland's Unfair Claim Settlement Practices standards.
Maryland law requires insurers to:
Promptly investigate claims
Act in good faith
Attempt fair and equitable settlements when liability is clear
Analyze each option carefully.
A). Compromise settlements when facts are in question
This is a legitimate and encouraged claims practice.
B). Denying coverage after timely investigation
Permissible if the denial is based on policy terms.
C). Failing to promptly investigate and settle legitimate claims
This is a classic unfair claims settlement practice under Maryland law.
D). Compelling litigation when a real dispute exists
Allowed when coverage is genuinely disputed.
Good-faith obligation.
Delays or failures to settle valid claims undermine the insurer's duty of good faith and fair dealing.
Regulatory consequences.
Such conduct may lead to:
Administrative penalties
Market conduct actions
Civil bad-faith exposure
Conclusion.
Failure to promptly investigate and settle valid claims is an unfair claims settlement practice.
NEW QUESTION # 124
A valid contract requires all of the following EXCEPT:
Answer: B
Explanation:
To be legally enforceable, a contract must meet the following requirements:
Offer and acceptance (A): One party must propose terms, and the other must agree to them.
Competent parties (B): Individuals must have the legal capacity to enter a contract (e.g., not minors or mentally incapacitated).
Consideration (C): Each party must provide something of value (e.g., money, services, or promises).
Written evidence (D) is not required for all contracts, as some verbal agreements are enforceable depending on the type of contract (except for specific cases like real estate).
References: Maryland Contract Law Principles.
NEW QUESTION # 125
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