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| Section | Objectives |
|---|---|
| Topic 1: Insurance Fundamentals | - Insurable interest and risk management concepts - Basic insurance principles |
| Topic 2: Ethics and Professional Conduct | - Ethical responsibilities of insurance producers - Consumer protection standards |
| Topic 3: Federal Regulations and Taxation | - Federal insurance-related regulations - Tax treatment of insurance products |
| Topic 4: Policy Provisions and Options | - Beneficiaries and policy ownership - Standard policy provisions |
| Topic 5: Annuities | - Annuity types and features - Accumulation and payout options |
| Topic 6: Life Insurance | - Life policy provisions and riders - Types of life insurance policies
|
| Topic 7: Accident and Health Insurance | - Disability income and medical expense coverage - Health insurance plans and structures |
| Topic 8: State Insurance Regulations | - Unfair trade practices and compliance - Producer licensing requirements |
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NEW QUESTION # 45
Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:
Answer: A
Explanation:
For non-guaranteed issue long-term care policies (Insurance Article, § 18-107), a physical exam report is required for applicants 80+ to assess risk, not family consent, living wills, or power of attorney.
References:Maryland Insurance Article, § 18-107; MIA LTC underwriting rules.
NEW QUESTION # 46
The phrase, " this policy pays $1,800 for hospital room and board expenses, " should include the:
Answer: A
Explanation:
Policy statements (Insurance Article, § 15-201) must clarify benefits with the maximum daily benefit (e.g.,
$200/day) and maximum time limit (e.g., 9 days) to define the $1,800 total. Minimums are irrelevant, and a mix of maximum and minimum limits lacks clarity.
References:Maryland Insurance Article, § 15-201; MIA policy disclosure rules.
NEW QUESTION # 47
Reasonable and customary charges for health care are based primarily on:
Answer: B
Explanation:
Reasonable and customary charges (Insurance Article, § 15-1005) reflect average fees for procedures in a specific geographic area (e.g., 80th percentile), ensuring fair reimbursement. Actuarial tables, studies, and national surveys aren't the primary basis.
References:Maryland Insurance Article, § 15-1005; MIA health insurance guidelines.
NEW QUESTION # 48
A juvenile life insurance policy is:
Answer: C
Explanation:
Definition of juvenile life insurance.
Juvenile life insurance provides coverage on the life of a minor, typically owned by a parent or guardian.
Evaluate each option.
A). Insures parents
Incorrect. Juvenile policies insure the child.
B). Limited to under age five
Incorrect. Coverage is available for a broader age range.
C). Insures the life of a minor
Correct. This is the precise definition.
D). Only decreasing term
Incorrect. Juvenile policies may be term or permanent.
Maryland consumer protection relevance.
Juvenile policies are regulated to ensure insurable interest and appropriate ownership by adults.
Conclusion.
A juvenile life insurance policy insures the life of a minor.
NEW QUESTION # 49
All of the following are true about accident and health insurance policies that provide limited benefits EXCEPT:
Answer: D
Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer isA. Coverage is limited to persons under age 65. Limited benefit accident and health policies are not defined by being available only to people under age 65. Instead, they are limited because they cover only certain types of losses, certain services, fixed-dollar benefits, or specified diseases. Maryland materials recognize several types of limited or excepted health coverage, including accident-only coverage, travel accident or sickness coverage, specified disease coverage, and fixed indemnity coverage. Maryland Insurance Article §31-101 also describes hospital indemnity or fixed indemnity insurance as coverage paying a fixed dollar amount per period, such as a daily hospital benefit.
Option B is true because travel insurance may cover sickness, accident, disability, or death occurring during travel. Option C is true because fixed indemnity coverage may pay a fixed dollar amount per period, such as a daily hospital amount. Option D is true because specified disease coverage limits benefits to named diseases or health conditions, such as cancer or other dread diseases. Since the question asks for the statement that is not true, the correct answer is A. Official Maryland References: Maryland Insurance Administration Bulletin on limited/exempt health coverages and travel insurance; Maryland Insurance Article §31-101; COMAR Medicare-related disclosure language for limited benefit policies.
NEW QUESTION # 50
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