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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q23-Q28):

NEW QUESTION # 23
The income benefits distributed during the liquidation phase of an annuity contract are normally payable to:

A. The beneficiary
B. The owner
C. The nominator
D. The annuitant

Answer: D

Explanation:
Comprehensive and Detailed Step by Step Explanation:
During the liquidation (or payout) phase of an annuity, the annuitant receives periodic payments:
The annuitant (D) is the individual designated to receive the payments, as they are the insured party in the contract.
The owner (A) is often the annuitant but may differ; the owner controls the contract but does not necessarily receive payments.
The beneficiary (B) receives the death benefit if the annuitant passes away, not the periodic payments.
"Nominator" (C) is not relevant terminology in annuities.
References: Maryland Insurance Guidelines on Annuities, Payment Distribution, and Liquidation.

NEW QUESTION # 24
To have "an insurable interest" in the life of another person, an individual must have a reasonable expectation of:

A. Benefiting from the other person's continued life
B. Seeing the other person survive to normal life expectancy
C. Gaining economically by the death of the other person
D. Continuing on good terms with the other person

Answer: A

Explanation:
Comprehensive and Detailed Step by Step Explanation:Aninsurable interestexists when the policyholder benefits more from the insured's life than their death.
* Benefiting from the other person's continued life (C):Correct. This applies to relationships where there is a legal, financial, or familial dependence.
* Gaining economically by the death of the other person (A):Mischaracterizes insurable interest; financial gain from death without a legitimate relationship is unethical and illegal.
* Continuing on good terms (B) and seeing the person survive (D):Do not constitute insurable interest under Maryland law.
References:Maryland Insurance Article §12-201, Insurable Interest Guidelines, and COMAR 31.09.03.

NEW QUESTION # 25
All of the following are common underwriting factors used by life insurance companies EXCEPT:

A. Family health history
B. Driving record
C. Amount of insurance applied for
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 # 26
Which amount may be deposited into a rollover individual retirement account (IRA) for the purpose of deferring income taxes?

A. The refund received by the beneficiary under a refund life annuity
B. The amount paid to the spouse of a deceased annuitant under a tax-sheltered annuity
C. The proceeds of a life insurance policy paid to a beneficiary under age 70-1/2
D. The value of an IRA established by the beneficiary's deceased parent

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:
A rollover IRA is used to defer taxes on qualifying distributions.
Proceeds from a life insurance policy (A) are generally not eligible for tax-deferred treatment.
Refunds from a refund life annuity (B) are considered taxable income and not eligible for rollover.
Amounts paid to a spouse under a tax-sheltered annuity (C) qualify for rollover treatment because they meet IRS rollover rules for deferred taxation.
IRAs inherited from parents (D) follow different tax rules and cannot be directly rolled over into a new IRA.
References: IRS Publication 590-B and Maryland Retirement Account Regulations.

NEW QUESTION # 27
Advertisements in general shall be:

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

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 # 28
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