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| Section | Weight | Objectives |
|---|---|---|
| Life Insurance Basics and Policies | 25% | - Beneficiaries, claims, and settlement options - Policy provisions, riders, and options - Types of life insurance: term, whole, universal, variable |
| General Insurance Concepts | 15% | - Insurable interest and risk management - Underwriting, premium calculation, and taxation - Contract law and principles |
| Annuities and Retirement Products | 10% | - Fixed, indexed, and variable annuities - Tax treatment and suitability standards |
| Accident and Health / Sickness Insurance | 20% | - Disability income, medical expense, and long-term care - HMO, PPO, group vs individual coverage - Mandatory benefits and state-specific health rules - Health insurance basics and policy provisions |
| Insurance Regulation | 30% | - State insurance laws and Maryland regulations - Policy delivery, replacement rules, and disclosure - Ethics, unfair trade practices, and consumer protection - Licensing requirements and procedures |
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NEW QUESTION # 238
A refusal to do business with a particular individual or business is known as:
Answer: B
Explanation:
Boycott refers to the refusal to engage in business dealings with a particular party as part of an unfair trade practice, often used to coerce or punish. It is prohibited under Maryland's Unfair Trade Practices Act.
Boycott (C): Defined as an unfair method of competition when used in the insurance context.
Estoppel (A): A legal doctrine preventing someone from asserting a claim inconsistent with previous actions, unrelated to business refusal.
Injunction (B): A court order stopping specific actions, not related to refusal to do business.
Binder (D): Temporary insurance coverage, unrelated to trade practices.
References: Maryland Unfair Trade Practices Act, COMAR 31.15.03, and Maryland Insurance Code §27-205.
NEW QUESTION # 239
Which medical care benefits are emphasized in HMO plans?
Answer: B
Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer isB. Preventive care. Health Maintenance Organizations, or HMOs, are designed around managed care, network-based care, and controlling costs by encouraging early treatment, wellness, and prevention. Maryland's Health-General Article requires an HMO's plan to show that it has an active program forpreventing illness, disability, and hospitalizationamong its members, and that services designed to prevent major health problems and improve general health are provided by the HMO.
Emergency care, home health care, and other services may be covered under appropriate circumstances, but they are not the primary medical care benefit emphasized by the HMO model. Alternative medicine is not the core HMO emphasis. Official Maryland Reference: Maryland Health-General Article §19-705.1, HMO quality of care and preventive programs.
NEW QUESTION # 240
To be eligible for major medical extended care benefits, a patient must:
Answer: B
Explanation:
Extended care under major medical (Insurance Article, § 15-201) requires continuous skilled nursing care (e.
g., nursing home), not just terminal illness, surgery, or therapy, which have broadercriteria.
References:Maryland Insurance Article, § 15-201; MIA major medical standards.
NEW QUESTION # 241
The purpose of licensing insurance agents is to:
Answer: B
Explanation:
Insurance licensing ensures agents meet professional standards:
Licensure demonstrates qualifications (B) to act ethically and competently on behalf of insurers.
It does not limit the number of agents (A).
Sales activity monitoring (C) and rate regulation (D) are separate regulatory functions.
References: Maryland Insurance Administration Licensing Standards.
NEW QUESTION # 242
Subject to certain limitations, the purpose of the Maryland Life and Health Insurance Guaranty Corporation is to protect various entities such as residents who are policyowners, beneficiaries, and annuitants. The intent is to protect the listed individuals against failure in the performance of contractual obligations due to:
Answer: B
Explanation:
Purpose of the Maryland Life and Health Insurance Guaranty Corporation.
Maryland established the Life and Health Insurance Guaranty Corporation to provide limited protection to policyholders when a licensed insurer becomes insolvent or impaired.
The protection applies only to policies and contracts issued by authorized insurers.
Evaluate each option.
A). Impairment of the insurer
Correct. The guaranty association exists specifically to protect consumers when an insurer fails to meet contractual obligations due to insolvency or impairment.
B). Riots, war, or acts of God
These are risks addressed by insurance policies, not guaranty associations.
C). Producer's fraudulent actions
Producer misconduct is addressed through licensing enforcement and legal remedies, not guaranty funds.
D). Impending insurance legislation
Legislative changes do not trigger guaranty association protection.
Conclusion.
The guaranty corporation protects against insurer insolvency, making option A correct.
NEW QUESTION # 243
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