MARYLAND LIFE PRODUCER EXAM (SERIES 20-27) VALID STUDY TORRENT & LIFE-PRODUCER RELIABLE STUDY DUMPS & MARYLAND LIFE PRODUCER EXAM (SERIES 20-27) TEST PRACTICAL INFORMATION

Maryland Life Producer Exam (Series 20-27) valid study torrent & Life-Producer reliable study dumps & Maryland Life Producer Exam (Series 20-27) test practical information

Maryland Life Producer Exam (Series 20-27) valid study torrent & Life-Producer reliable study dumps & Maryland Life Producer Exam (Series 20-27) test practical information

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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q51-Q56):

NEW QUESTION # 51
All of the following statements about the life insurance protection provided by a family life insurance policy are true EXCEPT:

  • A. Life insurance coverage is provided automatically to children born during the policy period
  • B. Most of the premium amount purchases whole life insurance for the head of the household
  • C. Coverage is available only to heads of households who are 30 years old or younger
  • D. Coverage for dependents can be converted to whole life insurance without evidence of insurability

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:Family life insurance policies provide comprehensive coverage for families, including automatic coverage for certain dependents.
* Option A:Correct. A significant portion of the premium funds whole life insurance for the primary insured (typically the head of household).
* Option B:Correct. Dependent children born after the policy is issued are automatically covered, often without additional cost or underwriting.
* Option C:Incorrect. Family life insurance policies are not restricted to individuals under 30; this criterion does not exist in standard policy guidelines.
* Option D:Correct. Coverage for dependents can often be converted to whole life insurance at specific ages or policy milestones without medical underwriting.
References:Maryland Family Life Insurance Policy Standards, COMAR 31.09.04, and Maryland Insurance Administration Dependent Coverage Guidelines.


NEW QUESTION # 52
All of the following are common underwriting factors used by life insurance companies EXCEPT:

  • A. Family health history
  • B. Ethnic heritage
  • C. Driving record
  • D. Amount of insurance applied for

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:Underwriting involves evaluating risk factors that could influence the likelihood of claims and ensuring compliance with anti-discrimination laws.
* Ethnic heritage (A):Incorrect. Using ethnic heritage as an underwriting factor violates anti- discrimination laws, including Maryland Insurance Article §27-501.
* Amount of insurance applied for (B):Correct. Insurers consider coverage amounts to assess risk and pricing.
* Driving record (C):Correct. Poor driving history, particularly DUI incidents, increases risk.
* Family health history (D):Correct. Inherited conditions and family medical history help predict potential health risks.
References:Maryland Insurance Anti-Discrimination Laws, Life Insurance Underwriting Standards, and COMAR 31.08.07.


NEW QUESTION # 53
All of the following factors may affect premium determination in individual life insurance EXCEPT:

  • A. Health
  • B. Race
  • C. Age
  • D. Occupation

Answer: B

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 # 54
How long will income benefit payments continue under a life annuity with ten years certain?

  • A. Only for ten years, regardless of how long the annuitant lives
  • B. Until the annuitant dies, and for an additional ten years
  • C. Until the annuitant dies, or for ten years, whichever is longer
  • D. Only until the annuitant dies, regardless of when death occurs

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:A life annuity with aten years certainprovision guarantees payments for at least ten years. If theannuitant dies before the end of ten years, payments continue to the beneficiary for the remainder of the period.
* Until the annuitant dies, or for ten years, whichever is longer (A):Ensures payments for life with a minimum ten-year guarantee.
* Until the annuitant dies, and for an additional ten years (B):Incorrect; payments cease after the guaranteed period or the annuitant's lifetime.
* Only until the annuitant dies (C):Incorrect; the ten-year guarantee applies.
* Only for ten years (D):Incorrect; payments continue if the annuitant outlives the guaranteed period.
References:Maryland Annuity Payout Options Guidelines, COMAR 31.09.08.


NEW QUESTION # 55
How does the payment of an accelerated benefit affect a life insurance policy?

  • A. It decreases the death benefit.
  • B. It decreases the grace period.
  • C. It increases the cash value.
  • D. It increases the policy premium.

Answer: A

Explanation:
Comprehensive and Detailed Step by Step Explanation:Accelerated benefits allow a policyholder to receive a portion of the death benefit early, often due to terminal illness or specific qualifying conditions:
* Decreases the death benefit (D):The accelerated amount reduces the death benefit available to beneficiaries.
* Increases the cash value (A):Incorrect; accelerated benefits are drawn from the policy, reducing cash value and death benefits.
* Increases the policy premium (B):Premiums generally remain unchanged.
* Decreases the grace period (C):Not affected by accelerated benefits.
References:Maryland Accelerated Benefit Provisions, COMAR 31.09.04, and IRS Tax Treatment of Accelerated Death Benefits.


NEW QUESTION # 56
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