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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q18-Q23):

NEW QUESTION # 18
The life insurance buyer's guide includes information about all of the following EXCEPT how to:

A. Compare life insurance policy requirements
B. Compare life insurance policy rates
C. Take civil action against an insurer
D. Decide how much life insurance to buy

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:The buyer's guide helps policyholders understand life insurance by offering:
* Advice on deciding coverage needs (B)to ensure adequate protection.
* Rate comparison tools (C)to evaluate costs effectively.
* Guidance on policy requirements (D)to make informed choices.
The guide does not address legal actions such astaking civil action against an insurer (A), as such matters require legal consultation or regulatory support.
References: Maryland Life Insurance Buyer's Guide Provisions.

NEW QUESTION # 19
A group policy may be issued to a labor union. The members eligible for insurance under the policy shall be:

A. Only members of the union who are under the age of 65
B. Healthy members of the union
C. Members of any union
D. All of the members of the union

Answer: D

Explanation:
Comprehensive and Detailed Step by Step Explanation:When a group policy is issued to a labor union, Maryland law requires that eligibility criteria ensure fairness and inclusivity:
* All of the members of the union (B):Eligible members must be treated equally under the group policy.
Coverage cannot exclude individuals based on factors like age or health, provided they are active members.
* Members of any union (A):Policies are issued to specific unions, not broadly.
* Only members under age 65 (C):Age discrimination is prohibited unless specifically linked to policy provisions.
* Healthy members (D):Group policies cannot discriminate based on health status.
References:Maryland Group Insurance Regulations, COMAR 31.09.06, and Labor Union Group Policies Guidelines.

NEW QUESTION # 20
All of the following are common underwriting factors used by life insurance companies EXCEPT:

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

Answer: D

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 # 21
Advertisements in general shall be:

A. Clear only by familiarity with insurance terminology
B. Truthful
C. Clear only by implication
D. Approved by the Insurance Commissioner

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:Maryland law requires that insurance advertisements be honest, transparent, and not misleading.
* Truthful (D):Correct. Ads must provide accurate information about insurance products and benefits without omitting material facts.
* Approved by the Insurance Commissioner (A):Some materials may require regulatory review, but general ads do not need pre-approval.
* Clear only by implication (B):Misleading and prohibited.
* Clear only by familiarity with insurance terminology (C):Ads must be understandable to the general public, not just industry professionals.
References:Maryland Advertising Regulations, COMAR 31.15.01, and Unfair Trade Practices Act.

NEW QUESTION # 22
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:

A. Advise the applicant to amend the application
B. Report the fact to the insurance company
C. Deny knowledge of the fact
D. Acknowledge the fact only if asked by the insurance company

Answer: B

Explanation:
Comprehensive and Detailed Step by Step 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 # 23
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Life-Producer Associate Level Exam & Latest Braindumps Life-Producer Ppt

100% Pass 2025 Maryland Insurance Administration Life-Producer: Maryland Life Producer Exam (Series 20-27) –High Pass-Rate Associate Level Exam

Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q18-Q23):

2025 Newest Life-Producer – 100% Free Associate Level Exam | Latest Braindumps Maryland Life Producer Exam (Series 20-27) Ppt

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