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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q81-Q86):

NEW QUESTION # 81
Who normally receives dividends in a stock insurance company?

A. Producers
B. Shareholders
C. Only members of the board of directors
D. Beneficiaries

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:In astock insurance company, dividends are distributed to shareholders, who are the owners of the company.
* Shareholders (B):Receive dividends based on the company's profitability, as determined by the board of directors.
* Members of the board of directors (A):May also be shareholders, but their role as directors does not entitle them to dividends.
* Beneficiaries (C):Receive death benefits, not company dividends.
* Producers (D):Earn commissions or fees, not dividends.
References:Maryland Corporate Insurance Guidelines, Stock vs. Mutual Insurer Framework, and COMAR
31.05.03.

NEW QUESTION # 82
How long will income benefit payments continue under a life annuity with ten years certain?

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

Answer: A

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 # 83
The life insurance buyer's guide includes information about all of the following EXCEPT how to:

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

Answer: D

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 # 84
In general practice, can the Maryland Insurance Administration inspect the business records of an insurance company or agency?

A. Yes, because all company and agency records are public domain
B. No, because only an officer of the court can inspect these records
C. No, because of privacy considerations
D. Yes, because of the powers defined by state laws

Answer: D

Explanation:
Comprehensive and Detailed Step by Step Explanation:The Maryland Insurance Administration (MIA) is authorized to inspect the records of insurers and agencies to ensure compliance with laws:
* Yes, because of the powers defined by state laws (B):Correct. The MIA has broad authority under Maryland law to audit, inspect, and investigate insurance business practices.
* No, because of privacy considerations (A):Incorrect. Regulatory inspections are exempt from privacy concerns when conducted lawfully.
* Only an officer of the court (C):Not required; the MIA operates independently within its legal mandate.
* Public domain records (D):Incorrect; insurance records are not publicly accessible unless required by law.
References:Maryland Insurance Article §2-209, COMAR 31.03.01, and Regulatory Oversight Guidelines.

NEW QUESTION # 85
Which activity is an unfair claims settlement practice?

A. Offering settlements that are less than the fair value to offset insurer expenses
B. Including an arbitration provision in the insurer's policies
C. Denying claims on the basis of specific policy provisions
D. Negotiating the payment of claims where coverage or liability is in question

Answer: A

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 # 86
......

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New Life-Producer Exam Prep & Test Life-Producer King

Pass4Leader Maryland Insurance Administration Life-Producer Exam Dumps Preparation Material is Available

Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q81-Q86):

Free PDF Quiz 2025 Professional Maryland Insurance Administration Life-Producer: New Maryland Life Producer Exam (Series 20-27) Exam Prep

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