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| Section | Objectives |
|---|---|
| Topic 1: Life Insurance | - Life policy provisions and riders - Types of life insurance policies
|
| Topic 2: Ethics and Professional Conduct | - Consumer protection standards - Ethical responsibilities of insurance producers |
| Topic 3: Policy Provisions and Options | - Standard policy provisions - Beneficiaries and policy ownership |
| Topic 4: Accident and Health Insurance | - Disability income and medical expense coverage - Health insurance plans and structures |
| Topic 5: Federal Regulations and Taxation | - Tax treatment of insurance products - Federal insurance-related regulations |
| Topic 6: Insurance Fundamentals | - Basic insurance principles - Insurable interest and risk management concepts |
| Topic 7: State Insurance Regulations | - Producer licensing requirements - Unfair trade practices and compliance |
| Topic 8: Annuities | - Accumulation and payout options - Annuity types and features |
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NEW QUESTION # 91
Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:
Answer: D
Explanation:
For non-guaranteed issue long-term care policies (Insurance Article, § 18-107), a physical exam report is required for applicants 80+ to assess risk, not family consent, living wills, or power of attorney.
References:Maryland Insurance Article, § 18-107; MIA LTC underwriting rules.
NEW QUESTION # 92
Which feature in a long-term care insurance policy is designed specifically to provide benefits at times when family members need a break from caring for the insured?
Answer: B
Explanation:
Respite care (Insurance Article, § 18-101) offers temporary professional care to relieve family caregivers, a mandated feature in Maryland long-term care policies. Skilled nursing, custodial care, and home health care serve ongoing needs, not specifically caregiver breaks.
References:Maryland Insurance Article, § 18-101 et seq.; MIA LTC guidelines.
NEW QUESTION # 93
An insurance agent ' s license may be revoked for all of the following reasons EXCEPT:
Answer: D
Explanation:
An agent's license can be revoked for serious infractions that violate Maryland's insurance laws:
Rebating (B): Prohibited under Maryland's Unfair Trade Practices Act.
Felony conviction (C): Grounds for revocation as it questions the agent's moral character.
Violating insurance statutes or regulations (D): Includes infractions such as fraud, misrepresentation, or failure to meet ethical standards.
Having no insurer appointment for ten days (A): Incorrect. A lack of appointment does not constitute a violation; it only affects the ability to conduct business temporarily.
References: Maryland Insurance Article §10-126, COMAR 31.03.02, and Licensing Enforcement Guidelines.
NEW QUESTION # 94
An individual life insurance policy may include coverage for all of the following EXCEPT:
Answer: C
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 # 95
To provide the funds necessary to carry out the powers and duties of the Life and Health Insurance Guaranty Corporation, the Boards of Directors shall:
Answer: A
Explanation:
Purpose of the Guaranty Corporation.
The Life and Health Insurance Guaranty Corporation protects policyholders when a licensed insurer becomes insolvent.
How the guaranty system is funded.
It is not funded by taxpayers.
It is not funded by policyholders directly.
Assessment mechanism.
Member insurers are assessed proportionally to cover obligations arising from insolvencies.
This spreads risk across the industry.
Why the other options are incorrect.
Raise premiums: Insurers may adjust pricing, but guaranty funding is not a premium increase mechanism.
State funds: No taxpayer funding.
Policyholders assessed: Consumers are protected, not charged.
Maryland solvency and good-faith relevance.
This structure supports consumer confidence and insurer accountability without burdening insureds.
Conclusion.
Guaranty Corporation funding comes from assessments on member insurers.
NEW QUESTION # 96
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