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| Section | Objectives |
|---|---|
| Life Insurance | - Policy provisions and riders
|
| Accident and Health Insurance | - Policy provisions
|
| General Insurance Concepts | - Insurance principles and risk management
|
| State Law and Regulations | - Insurance producer regulations
|
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NEW QUESTION # 92
In accident and health insurance, a waiting period for pre-existing conditions means that:
Answer: A
Explanation:
A waiting period (Insurance Article, § 15-109) delays coverage for pre-existing conditions (e.g., 6-12 months), not permanently excluding them, starting at inception, or holding payments in escrow.
References:Maryland Insurance Article, § 15-109; MIA pre-existing condition rules.
NEW QUESTION # 93
A refusal to do business with a particular individual or business is known as:
Answer: D
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 # 94
The beneficiary of a life insurance policy is the:
Answer: A
Explanation:
The beneficiary is the individual or entity named in the life insurance policy to receive the death benefit upon the insured's death.
Designated recipient of proceeds (B): The policyholder nominates this party in the policy documents.
Ownership interest in the policy (A): Refers to the policyowner, who controls and funds the policy but may not be the beneficiary.
Insurer (C): Issues and administers the policy but is not a recipient.
Owner of the cash value fund (D): This pertains to cash value accumulation, separate from death benefit designation.
References: Maryland Life Insurance Policy Provisions and Beneficiary Designation Rules.
NEW QUESTION # 95
All of the following factors may affect premium determination in individual life insurance EXCEPT:
Answer: D
Explanation:
Comprehensive and Detailed Step by Step Explanation:Premium determination in life insurance depends on factors that measure risk, butrace (D)is not and cannot be used due to anti-discrimination laws.
Age (A):A primary factor; younger applicants are charged lower premiums due to lower mortality risk.
Health (B):Significant; poor health or pre-existing conditions increase premiums.
Occupation (C):Risky professions (e.g., construction or aviation) may result in higher premiums.
Race (D):Prohibited by Maryland law, which ensures fairness and prohibits underwriting based on race, ethnicity, or similar discriminatory criteria.
References:Maryland Insurance Article §27-501, COMAR 31.09.03, and Anti-Discrimination Standards in Insurance.
NEW QUESTION # 96
When a producer engages in unfair practices, all of the following are true EXCEPT:
Answer: B
Explanation:
Authority of the Maryland Insurance Administration (MIA).
The MIA has the authority to investigate complaints, conduct hearings, and impose disciplinary actions against licensed producers.
Evaluate each option.
A). Investigation and hearing
Correct. The MIA investigates alleged violations and may hold administrative hearings.
B). Decision is final
Incorrect. MIA decisions are subject to judicial review and appeal under Maryland administrative law.
C). License suspension
Correct. The MIA may suspend, revoke, or refuse to renew a producer's license.
Good-faith enforcement relevance.
Maryland's system ensures fairness by allowing producers due process and appeal rights.
Conclusion.
Because MIA decisions are not automatically final, option B is the correct answer.
NEW QUESTION # 97
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