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NEW QUESTION # 51
A producer is prohibited from:
Answer: A
Explanation:
Comprehensive and Detailed Step by Step Explanation:Insurance producers must uphold ethical and legal practices when conducting business.
* Allowing an applicant to sign a blank or incomplete application (B):This is strictly prohibited, as it creates opportunities for fraud, disputes, and incorrect information being submitted to insurers.
* Selling insurance to family members (A):Permissible under Maryland law as long as transactions comply with standard regulations.
* Countersigning a policy (C):Required in some cases for validating contracts sold in Maryland.
* Splitting commissions with a licensed nonresident producer (D):Permissible if both parties are licensed and participate in the sale.
References:Maryland Producer Code of Conduct, COMAR 31.03.13, and Maryland InsuranceEthics Guidelines.
NEW QUESTION # 52
The entire contract provision in a life insurance policy states that the policy includes:
Answer: D
Explanation:
Comprehensive and Detailed Step by Step Explanation:Theentire contract clauseensures transparency by limiting the policy's terms to the policy document and any attached application materials.
* The application attached to the policy (B):Correct. It becomes part of the legal agreement between the insurer and the policyholder.
* The Medical Information Bureau report (A):Used for underwriting but not part of the policy.
* Any attending physician's statement (C):May inform underwriting but is not included in the policy.
* The producer's report to the insurer (D):Internal to the insurer and irrelevant to the contract itself.
References:Maryland Insurance Code §16-203, Entire Contract Provision Standards, and COMAR 31.09.09.
NEW QUESTION # 53
The annual addition to an employee's account in a qualified retirement plan:
Answer: A
Explanation:
Comprehensive and Detailed Step by Step Explanation:Qualified retirement plans are subject to federal rules governing contribution limits:
* Contributionscannot exceed IRS limits (C), which are adjusted annually.
* Employers may adjust amounts annually, invalidating (A).
* Contributions vary by employee and do not require identical dollar amounts, making (B) incorrect.
* Contributions are typically unrelated to work performance, invalidating (D).
References: IRS Qualified Retirement Plan Contribution Limits, Maryland Employee Benefits Guidelines.
NEW QUESTION # 54
The purpose of the Life and Health Insurance Guaranty Corporation is to guarantee:
Answer: C
Explanation:
Comprehensive and Detailed Step by Step Explanation:
The Life and Health Insurance Guaranty Corporation provides financial protection to policyholders:
Guarantees benefits in case of insurer insolvency (C), ensuring policyholders do not lose coverage.
It does not guarantee the issuance of policies (A and B), as policy issuance depends on underwriting.
It cannot ensure an insurer will never fail (D) but mitigates the impact of failure.
References: Maryland Life and Health Guaranty Corporation Act, Maryland Insurance Code.
NEW QUESTION # 55
All of the following are common underwriting factors used by life insurance companies EXCEPT:
Answer: A
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 # 56
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