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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation | 30% | - State insurance laws and Maryland regulations - Licensing requirements and procedures - Policy delivery, replacement rules, and disclosure - Ethics, unfair trade practices, and consumer protection |
| Topic 2: General Insurance Concepts | 15% | - Contract law and principles - Underwriting, premium calculation, and taxation - Insurable interest and risk management |
| Topic 3: 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 |
| Topic 4: Annuities and Retirement Products | 10% | - Tax treatment and suitability standards - Fixed, indexed, and variable annuities |
| Topic 5: Life Insurance Basics and Policies | 25% | - Beneficiaries, claims, and settlement options - Policy provisions, riders, and options - Types of life insurance: term, whole, universal, variable |
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NEW QUESTION # 110
Accident and health policies must cover physically or mentally handicapped dependent children:
Answer: D
Explanation:
Maryland law (Insurance Article, § 15-401) requires coverage for handicapped dependent children beyond standard age limits if they're incapable of self-sustaining employment and dependent on the insured. This extends for life, or as long as the policy is active, not limited to ages 19 or 25, nor tied to self-sustainability.
References:Maryland Insurance Article, § 15-401; MIA dependent coverage regulations.
NEW QUESTION # 111
In general practice, which one of the following is true of the powers of the Maryland Insurance Administration with respect to access to a producer's business records?
Answer: D
Explanation:
Regulatory authority of the Maryland Insurance Administration (MIA).
The MIA is granted statutory authority to examine, investigate, and audit producers to ensure compliance with insurance laws.
Evaluate each option.
A). Court order required
Incorrect. The MIA has direct administrative authority.
B). NAIC authorization required
Incorrect. The NAIC is advisory, not regulatory.
C). Records must be produced upon request
Correct. Licensed producers are required to comply with MIA record requests.
D). No right due to privacy
Incorrect. Licensing carries an obligation to regulatory oversight.
Good-faith and compliance relevance.
Failure to provide records may itself constitute a regulatory violation and undermine good-faith conduct.
Conclusion.
Producers must produce business records upon request of the Maryland Insurance Administration.
NEW QUESTION # 112
In a deferred annuity, which event initiates benefit payments to the annuitant?
Answer: D
Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer isC. The contract is annuitized. A deferred annuity has an accumulation period first, during which contributions are made and the annuity value builds. Benefit payments begin when the annuity enters the payout phase. The Maryland Insurance Administration explains thatannuitizationis the process of converting an annuity into a series of periodic payments, and that deferred annuities begin the payout phase sometime after purchase according to the contract.
Surrendering the contract is not the normal event that begins annuity benefit payments; it usually means terminating the contract for its surrender value and may involve charges. A cash refund is a settlement feature, not the event that starts regular benefits. The beneficiary's death does not initiate normal annuity payments to the annuitant. Official Maryland Reference: Maryland Insurance Administration, Annuities 101, annuitization and deferred annuity payout phase.
NEW QUESTION # 113
When an accident and health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?
Answer: A
Explanation:
If an insurer mandates a physical exam (Insurance Article, § 12-202), it pays the cost, as it's a condition of coverage or claims processing. The premium payor, insured, or patient isn't responsible for insurer-initiated requirements.
References:Maryland Insurance Article, § 12-202; MIA policy standards.
NEW QUESTION # 114
An individual life insurance policy may include coverage for all of the following EXCEPT:
Answer: D
Explanation:
Individual life insurance policies often allow riders or supplementary coverage options, but they do not cover workers ' compensation, which is a separate insurance category.
Disability (A): Can be included as a rider, such as a waiver of premium or disability income benefit.
Long-term care (B): Often available as an optional rider to address extended medical care expenses.
Burial (D): Final expense policies or riders can be added to cover funeral and burial costs.
Workers' compensation (C): Not covered under life insurance policies; this is a specific insurance product regulated differently.
References: Maryland Life Insurance Rider Guidelines, Workers ' Compensation Insurance Regulations, and COMAR 31.09.03.
NEW QUESTION # 115
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