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| Section | Objectives |
|---|---|
| Topic 1: Accident and Health Insurance | - Disability income and medical expense coverage - Health insurance plans and structures |
| Topic 2: Policy Provisions and Options | - Standard policy provisions - Beneficiaries and policy ownership |
| Topic 3: Federal Regulations and Taxation | - Federal insurance-related regulations - Tax treatment of insurance products |
| Topic 4: Annuities | - Accumulation and payout options - Annuity types and features |
| Topic 5: Insurance Fundamentals | - Basic insurance principles - Insurable interest and risk management concepts |
| Topic 6: Ethics and Professional Conduct | - Ethical responsibilities of insurance producers - Consumer protection standards |
| Topic 7: Life Insurance | - Types of life insurance policies
|
| Topic 8: State Insurance Regulations | - Unfair trade practices and compliance - Producer licensing requirements |
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NEW QUESTION # 156
Which benefit is usually excluded from accident and health plan coverage?
Answer: C
Explanation:
Accident and health plans (Insurance Article, § 15-201) cover acute needs like hospital, physician, and surgical expenses. Custodial care-non-medical daily assistance-is excluded, typically covered by long-term care insurance.
References:Maryland Insurance Article, § 15-201; MIA health insurance standards.
NEW QUESTION # 157
If, after submitting an application, a producer becomes aware of a material fact that may affect the underwriting decision, the producer ' s ethical responsibility requires that the producer:
Answer: B
Explanation:
Ethical responsibilities and state laws mandate that insurance producers act in good faith when handling applications.
Reporting material facts to the insurer (D): Producers must disclose any information that could impact underwriting decisions. Transparency ensures that policies are accurately priced and legally enforceable.
Denying knowledge (A): Violates ethical and legal obligations.
Acknowledging facts only if asked (B): Demonstrates bad faith and can lead to legal penalties.
Advising applicants to amend (C): While this helps, it does not fulfill the producer's duty to inform the insurer.
References: Maryland Insurance Administration Producer Code of Ethics, COMAR 31.03.13.
NEW QUESTION # 158
Which type of Medicare Supplement information can be used without prior state approval?
Answer: C
Explanation:
Medigap marketing materials (Insurance Article, § 15-912) require MIA approval, except for government publications (e.g., CMS's "Medicare & You"), which are exempt as official federal resources. Insurer- approved ads still need state review.
References:Maryland Insurance Article, § 15-912; MIA Medigap advertising rules.
NEW QUESTION # 159
The primary purpose of disability income insurance is to:
Answer: D
Explanation:
Disability income insurance (Insurance Article, § 15-201) replaces income during disability, not life indemnity, hospital costs (health insurance), or physician fees (medical insurance). It supports financial stability when work is impossible.
References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.
NEW QUESTION # 160
Which one of the following statements about the automatic premium loan (APL) provision in a life insurance policy is true?
Answer: B
Explanation:
Purpose of the automatic premium loan provision.
The APL provision prevents unintentional policy lapse due to nonpayment of premium.
How the APL works.
If a premium is not paid by the end of the grace period:
The insurer automatically makes a policy loan
The loan amount equals the unpaid premium
The loan is secured by the policy's cash value
Why the other options are incorrect.
A). Additional insurance: Describes paid-up additions, not APL.
B). Bank loans: APL uses internal policy loans.
C). Waiver of premium: A separate rider, not APL.
Maryland disclosure relevance.
Producers must explain that APL loans accrue interest and reduce cash value and death benefits.
Conclusion.
The APL provision uses a policy loan to pay overdue premiums.
NEW QUESTION # 161
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