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| Section | Weight | Objectives |
|---|---|---|
| General Insurance Concepts | 15% | - Insurable interest and risk management - Contract law and principles - Underwriting, premium calculation, and taxation |
| Insurance Regulation | 30% | - Ethics, unfair trade practices, and consumer protection - Policy delivery, replacement rules, and disclosure - Licensing requirements and procedures - State insurance laws and Maryland regulations |
| 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 |
| Annuities and Retirement Products | 10% | - Tax treatment and suitability standards - Fixed, indexed, and variable annuities |
| 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 # 142
Fixed annuities credit interest at a rate no lower than the:
Answer: D
Explanation:
Interest guarantees in fixed annuities.
Fixed annuities promise a minimum guaranteed interest rate stated in the contract.
Protection for annuity owners.
Even if market rates decline, the insurer must credit at least the guaranteed rate.
Evaluate each option.
Expected renewal rate: Not guaranteed.
Guaranteed rate: Contractually binding.
Prime rate: Unrelated to annuities.
Front-end load: A fee concept, not interest.
Maryland suitability relevance.
Guaranteed minimums protect consumers and are a key disclosure requirement.
Conclusion.
Fixed annuities credit no less than the contract guaranteed rate.
NEW QUESTION # 143
Which activity is an unfair claims settlement practice?
Answer: A
Explanation:
Offering settlements below fair value (D) is prohibited as an unfair claims settlement practice under Maryland law. Insurers must handle claims in good faith and pay fair settlements based on policy terms.
Negotiating claims (A): Permitted when there are legitimate disputes over coverage or liability.
Denying claims (B): Allowed if based on valid policy exclusions or conditions.
Including arbitration provisions (C): Legal, provided they comply with state guidelines and are not coercive.
Unfair claims settlement practices include:
Misrepresenting policy provisions.
Failing to promptly investigate or settle claims.
Attempting to settle for less than reasonable amounts.
References: Maryland Insurance Article §27-303, Unfair Claims Practices Act, and COMAR 31.15.07.
NEW QUESTION # 144
In accident and health insurance underwriting, when the risk imposed by an applicant is similar to the risks imposed by most other applicants, the applicant is:
Answer: A
Explanation:
Standard risk applicants (Insurance Article, § 15-201) receive the standard premium rate, as their risk aligns with the average pool. Declining coverage or adjusting payment terms applies to higher risks, not standard ones.
References:Maryland Insurance Article, § 15-201; MIA underwriting guidelines.
NEW QUESTION # 145
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 # 146
Which of the following reinforces the rule that ambiguities in insurance contracts should be interpreted in favor of the policyholder?
Answer: A
Explanation:
The doctrine of reasonable expectations ensures that ambiguities in insurance policies are resolved in favor of the policyholder:
Reasonable expectations (B): Protects policyholders by ensuring contracts are interpreted based on how an average person would understand them, especially when ambiguities exist.
Representation (A): Refers to the accuracy of statements made during application, unrelated to contract interpretation.
Retention (C): Concerns risk management, not contract ambiguities.
Retrocession (D): Deals with reinsurance, not policyholder rights.
References: Maryland Contract Law, Insurance Ambiguities Guidelines, and COMAR 31.15.03.
NEW QUESTION # 147
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