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NEW QUESTION # 75
A policy of life insurance may NOT be delivered unless the policy has a:
Answer: C
Explanation:
Comprehensive and Detailed Step by Step Explanation:Maryland law mandates that life insurance policies include aclear and concise description of the policyon the first page to ensure transparency and understanding for policyholders.
* Legible and brief description (A):Correct. This ensures the buyer can quickly identify key terms and benefits of the policy.
* Notary seal (B):Not required for delivering life insurance policies.
* Premium coupon book (C):Optional, often replaced with digital billing methods.
* Financial statement of the insurer (D):Not required in the policy itself, although insurers must provide financial stability information upon request.
References:Maryland Insurance Article §16-206, COMAR 31.09.04, and Policy Form Filing Standards.
NEW QUESTION # 76
If a life insurer denies a policy of life insurance, the insurer shall disclose the results of any medicalexamination administered to determine insurability to the:
Answer: D
Explanation:
Comprehensive and Detailed Step by Step Explanation:Maryland law requires that the results of medical examinations used to determine insurability:
* Be disclosed to thephysician of the applicant's choice (B), but only if the applicant requests it.
* This ensures privacy and confidentiality while giving the applicant access to critical information.
* Beneficiaries (A)andunderwriters (C)do not receive this information.
* Physicians furnishing information (D)already have access to their own submissions.
References: Maryland Insurance Code on Privacy and Disclosure of Medical Information.
NEW QUESTION # 77
How does the payment of an accelerated benefit affect a life insurance policy?
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 # 78
The needs approach to personal life insurance planning includes the creation of an emergency reserve fund.
This fund is designed primarily to:
Answer: D
Explanation:
Comprehensive and Detailed Step by Step Explanation:Theneeds approachassesses financial requirements to determine the appropriate amount of life insurance.
* Covering unexpected expenses (B):Emergency reserve funds help beneficiaries handle unforeseen costs, such as urgent repairs, medical emergencies, or temporary loss of income.
* College tuition and books (A):This falls under education funding needs, not emergency reserves.
* Paying off mortgages (C):This is categorized as debt repayment, separate from the reserve fund.
* Providing retirement income (D):This is a long-term goal that requires separate planning, not immediate financial reserves.
References: Maryland Insurance Needs Analysis Guidelines and Life Insurance Planning Practices.
NEW QUESTION # 79
Which activity is an unfair claims settlement practice?
Answer: D
Explanation:
Comprehensive and Detailed Step by Step Explanation:Offering settlements below fair value (D)is prohibited as an unfair claims settlement practice under Maryland law. Insurers must handle claims in good faith and pay fair settlements based on policy terms.
* Negotiating claims (A):Permitted when there are legitimate disputes over coverage or liability.
* Denying claims (B):Allowed if based on valid policy exclusions or conditions.
* Including arbitration provisions (C):Legal, provided they comply with state guidelines and are not coercive.
Unfair claims settlement practices include:
* Misrepresenting policy provisions.
* Failing to promptly investigate or settle claims.
* Attempting to settle for less than reasonable amounts.
References:Maryland Insurance Article §27-303, Unfair Claims Practices Act, and COMAR 31.15.07.
NEW QUESTION # 80
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