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| Section | Objectives |
|---|---|
| Life Insurance | - Life insurance policies
|
| General Insurance Concepts | - Insurance principles and risk management
|
| State Law and Regulations | - Insurance producer regulations
|
| Accident and Health Insurance | - Policy provisions
|
>> Key Life-and-Accident-and-Health-or-Sickness-Producer-Combo Concepts <<
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NEW QUESTION # 99
Which policy provision allows an employee to change from group coverage to an individual life insurance policy?
Answer: D
Explanation:
Nature of group life insurance.
Group life insurance is typically tied to employment and ends when employment terminates.
Purpose of the conversion provision.
The conversion provision protects employees by allowing them to:
Convert group coverage to an individual policy
Do so without evidence of insurability
Apply within a specified time period after termination
Why conversion is critical.
Prevents loss of coverage due to job loss or retirement.
Especially important if the employee's health has declined.
Evaluate each option.
A). Nonforfeiture
Applies to cash value policies, not group life.
B). Conversion
Correct. This provision grants the conversion right.
C). Assignment
Transfers ownership, not coverage type.
D). Incontestability
Limits defenses after a period of time.
Maryland consumer protection relevance.
Maryland requires clear disclosure of conversion rights to prevent gaps in life insurance protection.
Conclusion.
The conversion provision allows group coverage to become individual coverage.
NEW QUESTION # 100
All of the following are underwriting criteria for individual life insurance EXCEPT:
Answer: A
Explanation:
Purpose of underwriting criteria.
Underwriting criteria must relate to risk assessment or policy performance.
Permissible factors.
Gender: Historically used where actuarially justified.
Occupation: Reflects hazard exposure.
Ability to pay premiums: Ensures policy sustainability.
Prohibited factors.
Religion is a protected characteristic and cannot be used in underwriting.
Maryland anti-discrimination rules.
Maryland prohibits unfair discrimination unrelated to actuarial risk.
Conclusion.
Religion is not a lawful underwriting criterion.
NEW QUESTION # 101
The income benefits distributed during the liquidation phase of an annuity contract are normally payable to:
Answer: D
Explanation:
During the liquidation (or payout) phase of an annuity, the annuitant receives periodic payments:
The annuitant (D) is the individual designated to receive the payments, as they are the insured party in the contract.
The owner (A) is often the annuitant but may differ; the owner controls the contract but does not necessarily receive payments.
The beneficiary (B) receives the death benefit if the annuitant passes away, not the periodic payments.
" Nominator " (C) is not relevant terminology in annuities.
References: Maryland Insurance Guidelines on Annuities, Payment Distribution, and Liquidation.
NEW QUESTION # 102
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: B
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 # 103
All of the following services are covered under the Medicare Supplement preventive care benefit EXCEPT:
Answer: D
Explanation:
Medicare Supplement (Medigap, Insurance Article, § 15-901) covers preventive services like immunizations, hearing tests (if Medicare-eligible), and physicals, but outpatient prescription vitamins aren't a standard benefit under Medicare or Medigap.
References:Maryland Insurance Article, § 15-901; CMS Medigap guidelines.
NEW QUESTION # 104
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