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| Section | Weight | Objectives |
|---|---|---|
| Annuities and Retirement Products | 10% | - Tax treatment and suitability standards - Fixed, indexed, and variable annuities |
| Accident and Health / Sickness Insurance | 20% | - HMO, PPO, group vs individual coverage - Mandatory benefits and state-specific health rules - Disability income, medical expense, and long-term care - Health insurance basics and policy provisions |
| Life Insurance Basics and Policies | 25% | - Types of life insurance: term, whole, universal, variable - Beneficiaries, claims, and settlement options - Policy provisions, riders, and options |
| General Insurance Concepts | 15% | - Insurable interest and risk management - Underwriting, premium calculation, and taxation - Contract law and principles |
| Insurance Regulation | 30% | - Licensing requirements and procedures - State insurance laws and Maryland regulations - Ethics, unfair trade practices, and consumer protection - Policy delivery, replacement rules, and disclosure |
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NEW QUESTION # 171
If an insurer pays an individual accident and health insurance claim during a policy's grace period:
Answer: D
Explanation:
During the grace period (Insurance Article, § 15-209), insurers can deduct unpaid premiums from claims paid, maintaining coverage without waiving deductibles, charging fees, or auto-canceling.
References:Maryland Insurance Article, § 15-209; MIA policy payment rules.
NEW QUESTION # 172
The Maryland State Benchmark Plan applies to which of the following?
Answer: A
Explanation:
The Maryland Benchmark Plan (Insurance Article, § 31-115) defines EHBs for individual and small group plans sold via the Maryland Health Connection Exchange, not Medicaid, Medigap, or pre-2014 off-Exchange plans.
References:Maryland Insurance Article, § 31-115; MIA ACA guidelines.
NEW QUESTION # 173
An individual purchased an annuity with a series of premium payments continuing over a period of twenty years. The purchase payments were made during the:
Answer: A
Explanation:
Understanding annuity phases.
An annuity has two primary phases:
Accumulation period: when premiums are paid and values grow.
Annuity (liquidation) period: when income payments are received.
Apply the facts.
The question describes premium payments being made over time.
No income distributions are occurring yet.
Why the other options are incorrect.
Liquidation / annuity period involves payouts, not payments.
Period certain describes a payout guarantee, not a payment phase.
Conclusion.
Premium payments are made during the accumulation period.
NEW QUESTION # 174
An accident and health insurance producer is most likely to become liable for professional errors and omissions as the result of:
Answer: B
Explanation:
Errors and omissions liability arises from professional negligence (Insurance Article, § 10-126). Misleading a client about policy replacement (twisting, § 27-203) directly harms them, unlike accounting errors, overpayments, or tax issues, which are internal or personal.
References:Maryland Insurance Article, § 10-126, § 27-203; MIA producer liability rules.
NEW QUESTION # 175
When payment of the initial premium does NOT accompany the application, coverage under a life insurance policy normally begins:
Answer: B
Explanation:
General rule regarding premium payment and policy effectiveness.
Under Maryland insurance practice, life insurance coverage does not become effective unless the initial premium is paid, unless a valid conditional receipt provides otherwise.
Apply the facts of the question.
The question specifically states that the initial premium does not accompany the application.
Therefore, no temporary or conditional coverage is in force.
Evaluate each option.
A). 12:01 a.m. on the first day of the month
Arbitrary and not tied to policy issuance or premium payment.
B). When the application is completed and signed
Incorrect, because acceptance and premium payment are still required.
C). When the producer delivers the policy and collects the premium
Correct. Coverage normally begins upon policy delivery and premium payment.
D). One week after inspection report
No legal or regulatory basis.
Maryland consumer protection context.
Maryland requires clear disclosure of when coverage begins to prevent misunderstandings and bad-faith disputes.
Conclusion.
Coverage normally begins when the policy is delivered and the premium is collected.
NEW QUESTION # 176
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