최신 Life-Producer 무료덤프 - Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27)

문제1

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

A. Reasonable expectations

B. Retrocession

C. Retention

D. Representation

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제2

Which one of the following statements about participating life insurance is true?

A. The insurer must be a stock company.

B. Policyowners are assessed monthly for losses.

C. The insured must be the policyowner.

D. Policyowners may be entitled to receive dividends.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제3

Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?

A. Period certain

B. Cost recovery

C. Cash refund

D. Installment refund

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제4

Which contract offers flexible deposits, deferred taxation, a guaranteed minimum interest rate, and death proceeds equal to the cash value?

A. A universal life insurance policy

B. A flexible premium fixed annuity

C. An adjustable whole life insurance policy

D. Available deferred annuity

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제5

Publishing a derogatory article about the financial condition of an insurer that is false and calculated to injure the insurer is an example of:

A. Defamation

B. Coercion

C. Intimidation

D. Extortion

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제6

An insurance agent's license may be revoked for all of the following reasons EXCEPT:

A. Having no insurer appointment in effect for ten days

B. Having been found guilty of rebating

C. Being convicted of a felony

D. Violating any insurance statute or regulation

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제7

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

A. Death taxes

B. Final expenses

C. Unemployment tax liabilities

D. Family living expenses

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제8

If a life insurer denies a policy of life insurance, the insurer shall disclose the results of any medicalexamination administered to determine insurability to the:

A. Beneficiary of the policy

B. Company's underwriter

C. Physician that furnished medical information to the insurer

D. Physician of the applicant's choice upon the request of the applicant

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

최신 Life-Producer 무료덤프 - Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27)

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