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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q45-Q50):

NEW QUESTION # 45
Which one of the following causes of death typically would be included under an accidental death rider attached to a life insurance policy?

A. Intentionally self-inflicted injuries
B. War or acts of war
C. Automobile accidents resulting from the insured's negligence
D. Illness or disease

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:An accidental death rider pays an additional benefit if death results solely from an accident.
* Automobile accidents resulting from the insured's negligence (D):Covered, as negligence does not negate the accidental nature of the event. The death must result directly from the accident without other contributing factors like illness.
* Intentionally self-inflicted injuries (A):Excluded, as they are not accidental.
* Illness or disease (B):Excluded, as accidental death benefits only apply to unforeseen events, not natural causes.
* War or acts of war (C):Excluded in most policies due to specific exclusions for wartime risks.
References:Maryland Insurance Administration Policy Rider Guidelines and Accidental Death Coverage Standards, COMAR 31.09.04.

NEW QUESTION # 46
The entire contract provision in a life insurance policy states that the policy includes:

A. The producer's report to the insurer
B. The application attached to the policy
C. Any attending physician's statement
D. The Medical Information Bureau report

Answer: B

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 # 47
A policyholder uses a Section 1035 exchange to replace an existing life insurance policy. If the new policy is later surrendered, the gain realized on termination is taxed as:

A. Ordinary income plus a 10% surcharge
B. A capital gain
C. Ordinary income
D. A deferred capital gain

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:Under a1035 exchange, policyholders can replace an insurance policy or annuity without immediate tax consequences. However, gains realized later upon surrender of the new policy are taxed as:
* Ordinary income (A):The difference between the cash surrender value and the cost basis (premiums paid) is taxed as income.
* Capital gains (B):Not applicable because gains on life insurance are classified as ordinary income.
* Ordinary income plus a 10% surcharge (C):The 10% penalty applies only to premature withdrawals from retirement accounts, not life insurance.
* Deferred capital gain (D):Does not apply, as life insurance gains are not taxed under capital gain rules.
References:IRS Code Section 1035, Maryland Tax Treatment of Life Insurance Policies, and COMAR
31.09.12.

NEW QUESTION # 48
Which of the following reinforces the rule that ambiguities in insurance contracts should be interpreted in favor of the policyholder?

A. Representation
B. Retention
C. Reasonable expectations
D. Retrocession

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:Thedoctrine of reasonable expectationsensures that ambiguities in insurance policies are resolved in favor of the policyholder:
* Reasonable expectations (B):Protects policyholders by ensuring contracts are interpreted based on how an average person would understand them, especially when ambiguities exist.
* Representation (A):Refers to the accuracy of statements made during application, unrelated to contract interpretation.
* Retention (C):Concerns risk management, not contract ambiguities.
* Retrocession (D):Deals with reinsurance, not policyholder rights.
References:Maryland Contract Law, Insurance Ambiguities Guidelines, and COMAR 31.15.03.

NEW QUESTION # 49
The Medical Information Bureau may release information in the proposed insured's file to:

A. The insured's employer
B. Member insurance companies
C. Employment agencies
D. Any physician

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:The Medical Information Bureau (MIB) collects and shares medical information among member insurance companies to assess risk:
* Member insurance companies (B)are the only entities authorized to access MIB data, ensuring confidentiality and appropriate use.
* Employment agencies (A)andemployers (C)cannot access MIB data.
* Physicians (D)are also excluded, as MIB serves the insurance underwriting process exclusively.
References: Maryland Insurance Privacy Regulations and MIB Operational Guidelines.

NEW QUESTION # 50
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Chris Lee Chris Lee

Biography

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