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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q76-Q81):

NEW QUESTION # 76
An individual life insurance policy may include coverage for all of the following EXCEPT:

A. Long-term care
B. Disability
C. Burial
D. Workers' compensation

Answer: D

Explanation:
Comprehensive and Detailed Step by Step Explanation:Individual life insurance policies often allow riders or supplementary coverage options, but they do not cover workers' compensation, which is a separate insurance category.
* Disability (A):Can be included as a rider, such as a waiver of premium or disability income benefit.
* Long-term care (B):Often available as an optional rider to address extended medical care expenses.
* Burial (D):Final expense policies or riders can be added to cover funeral and burial costs.
* Workers' compensation (C):Not covered under life insurance policies; this is a specific insurance product regulated differently.
References:Maryland Life Insurance Rider Guidelines, Workers' Compensation Insurance Regulations, and COMAR 31.09.03.

NEW QUESTION # 77
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. Until the annuitant dies, and for an additional ten years
C. Only until the annuitant dies, regardless of when death occurs
D. Only for ten years, regardless of how long the annuitant lives

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 # 78
To determine whether unfair trade practices have been violated, who has the power to examine an insurer's books and records?

A. The Federal Deposit Insurance Corporation
B. The National Association of Insurance Commissioners
C. The Maryland Property & Casualty Insurance Guaranty Corporation (PCIGC)
D. The Maryland Insurance Administration

Answer: D

Explanation:
Comprehensive and Detailed Step by Step Explanation:The Maryland Insurance Administration (MIA) is the regulatory body responsible for ensuring compliance with state insurance laws, including identifying unfair trade practices:
* The Maryland Insurance Administration (A):Has statutory authority to examine insurers' books and records to investigate potential violations and protect consumers.
* National Association of Insurance Commissioners (B):Provides guidance but lacks enforcement powers in Maryland.
* Federal Deposit Insurance Corporation (C):Regulates banks, not insurers.
* PCIGC (D):Handles claims for insolvent insurers but does not investigate trade practices.
References:Maryland Insurance Article §2-209, COMAR 31.15.07, and MIA EnforcementGuidelines.

NEW QUESTION # 79
When a wage earner dies, the surviving family members may have all of the following expenses EXCEPT:

A. Final expenses
B. Unemployment tax liabilities
C. Death taxes
D. Family living expenses

Answer: B

Explanation:
Comprehensive and Detailed Step by Step Explanation:When a wage earner dies, surviving families face significant financial obligations:
* Final expenses (A):Include funeral costs and related end-of-life expenses.
* Family living expenses (C):Cover ongoing needs like housing, food, and utilities.
* Death taxes (D):May apply based on estate value and Maryland inheritance laws.
Unemployment tax liabilities (B)are irrelevant as they apply only to employers, not surviving family members.
References: Maryland Estate Tax and Death Benefit Regulations.

NEW QUESTION # 80
The penalty tax incurred for premature distributions from an IRA is:

A. 50%
B. 5%
C. 10%
D. 20%

Answer: C

Explanation:
Comprehensive and Detailed Step by Step Explanation:Premature distributions from an IRA (withdrawals before age 59½) are subject to a10% penalty tax (B)unless certain exceptions apply (e.g., disability, qualified education expenses, or first-time homebuyer withdrawals).
* 5% (A):Does not apply to IRS penalties.
* 10% (B):Correct. This is the standard penalty for early withdrawals.
* 20% (C):Represents mandatory withholding for certain distributions, not the penalty.
* 50% (D):Applies only to Required Minimum Distribution (RMD) failures, not premature distributions.
References:IRS Publication 590-B, Maryland IRA Penalty Exceptions Guidelines, COMAR 31.09.11.

NEW QUESTION # 81
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Life-Producer Test Cram Review, Life-Producer Test Registration

100% Pass Latest Maryland Insurance Administration - Life-Producer Test Cram Review

Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions (Q76-Q81):

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