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| Section | Weight | Objectives |
|---|---|---|
| Life Insurance Basics and Policies | 25% | - Types of life insurance: term, whole, universal, variable - Policy provisions, riders, and options - Beneficiaries, claims, and settlement options |
| Accident and Health / Sickness Insurance | 20% | - HMO, PPO, group vs individual coverage - Disability income, medical expense, and long-term care - Health insurance basics and policy provisions - Mandatory benefits and state-specific health rules |
| Annuities and Retirement Products | 10% | - Tax treatment and suitability standards - Fixed, indexed, and variable annuities |
| 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 |
| General Insurance Concepts | 15% | - Underwriting, premium calculation, and taxation - Contract law and principles - Insurable interest and risk management |
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NEW QUESTION # 140
Pat owns a small business and is interested in enrolling her son in the Maryland Children's Health Insurance Program. Which of the following is the MOST appropriate person for Pat to contact for enrollment?
Answer: A
NEW QUESTION # 141
Publishing a derogatory article about the financial condition of an insurer that is false and calculated to injure the insurer is an example of:
Answer: D
Explanation:
Defamation involves publishing or circulating false, malicious statements intended to harm an insurer's reputation. It is prohibited under Maryland law to protect the integrity of insurers.
Defamation (A): Includes any written or spoken communication that is untrue and harms the insurer's business standing.
Intimidation (B): Relates to coercing individuals through threats, not publishing falsehoods.
Extortion (C): Involves demanding something through threats, unrelated to false statements.
Coercion (D): Involves forcing a party to act under duress, not relevant to publishing false information.
References: Maryland Insurance Article §27-205, Unfair Trade Practices and Consumer Protection Act.
NEW QUESTION # 142
All of the following statements about universal life insurance are true EXCEPT:
Answer: C
Explanation:
Universal life insurance policies offer flexibility and adaptability, but they also have specific rules:
Minimum cash value vs. death benefit (A): Correct. IRS rules require a minimum difference to maintain tax- advantaged status.
Level or increasing death benefits (B): Correct. Policyholders can choose based on their needs.
Cash value withdrawals (C): Correct. Withdrawals are allowed but may incur surrender charges.
Automatic lapse (D): Incorrect. Universal life does not immediately lapse due to missed payments; instead, costs are deducted from the cash value, and the policy remains in force until the cash value is depleted.
References: Maryland Insurance Administration Policy Lapse Guidelines, IRS Tax Code §7702, and COMAR
31.09.13.
NEW QUESTION # 143
Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?
Answer: C
Explanation:
Long-term care insurance (Insurance Article, § 18-101) triggers benefits based on inability to perform ADLs (e.g., bathing), unlike Medigap, major medical, or disability, which focus on medical or work criteria.
References:Maryland Insurance Article, § 18-101; MIA long-term care rules.
NEW QUESTION # 144
Medicare Supplement insurance is specifically designed for individuals who:
Answer: D
Explanation:
Medicare Supplement (Medigap, Insurance Article, § 15-901) is for Medicare enrollees (Parts A and B) to cover gaps, not low-income (Medicaid), uninsurable (pre-ACA pools), or employer-ineligible individuals.
References:Maryland Insurance Article, § 15-901; MIA Medigap rules.
NEW QUESTION # 145
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