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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation | 30% | - Policy delivery, replacement rules, and disclosure - Licensing requirements and procedures - State insurance laws and Maryland regulations - Ethics, unfair trade practices, and consumer protection |
| Topic 2: Annuities and Retirement Products | 10% | - Fixed, indexed, and variable annuities - Tax treatment and suitability standards |
| Topic 3: General Insurance Concepts | 15% | - Insurable interest and risk management - Underwriting, premium calculation, and taxation - Contract law and principles |
| Topic 4: Accident and Health / Sickness Insurance | 20% | - Health insurance basics and policy provisions - HMO, PPO, group vs individual coverage - Mandatory benefits and state-specific health rules - Disability income, medical expense, and long-term care |
| Topic 5: Life Insurance Basics and Policies | 25% | - Policy provisions, riders, and options - Types of life insurance: term, whole, universal, variable - Beneficiaries, claims, and settlement options |
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NEW QUESTION # 254
In dental insurance coverage, which one of the following typically is EXCLUDED?
Answer: B
Explanation:
Dental insurance (Insurance Article, § 15-201) covers preventive care, X-rays, and root canals, but excludes treatment started before the eligibility date to avoid claims for pre-existing work. This ensures coverage applies only to services initiated under the policy.
References:Maryland Insurance Article, § 15-201; MIA dental insurance standards.
NEW QUESTION # 255
How does the payment of an accelerated benefit affect a life insurance policy?
Answer: A
NEW QUESTION # 256
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 # 257
Who usually selects the beneficiary of a life insurance policy?
Answer: B
Explanation:
Ownership rights in life insurance.
The policyowner controls key policy decisions, including:
Naming beneficiaries
Changing beneficiaries (if revocable)
Assigning ownership
Why the policyowner selects the beneficiary.
The beneficiary designation reflects the policyowner's intent regarding who receives proceeds.
Why the other options are incorrect.
Insurer: Issues the policy but does not control beneficiary choices.
Beneficiary: Cannot designate themselves unless they are also the owner.
Producer: May advise but cannot select beneficiaries.
Maryland legal relevance.
Maryland law enforces beneficiary designations as written unless changed by the policyowner.
Conclusion.
The policyowner usually selects the beneficiary.
NEW QUESTION # 258
An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company's policy was superior to a competitor's product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?
Answer: C
Explanation:
Twisting (Insurance Article, § 27-203) involves misrepresenting policy benefits to induce replacement with an inferior product. Fraud is broader, discrimination isn't relevant, and rebating offers financial inducements, not misrepresentation.
References:Maryland Insurance Article, § 27-203; MIA trade practice rules.
NEW QUESTION # 259
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