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

문제1

If, after submitting an application, a producer becomes aware of a material fact that may affect the underwriting decision, the producer's ethical responsibility requires that the producer:

A. Acknowledge the fact only if asked by the insurance company

B. Report the fact to the insurance company

C. Deny knowledge of the fact

D. Advise the applicant to amend the application

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제2

All of the following are common underwriting factors used by life insurance companies EXCEPT:

A. Family health history

B. Driving record

C. Ethnic heritage

D. Amount of insurance applied for

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제3

An individual life insurance policy may include coverage for all of the following EXCEPT:

A. Disability

B. Long-term care

C. Burial

D. Workers' compensation

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제4

A producer may be guilty of misrepresentation if the producer:

A. Required timely written notice of loss for all claims

B. Issued a full settlement check expressly releasing the insurer

C. Denied a claim for failure of the policyholder to prove damages

D. Failed to disclose exclusions of the policy

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제5

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

A. Illness or disease

B. Intentionally self-inflicted injuries

C. War or acts of war

D. Automobile accidents resulting from the insured's negligence

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제6

The penalty tax incurred for premature distributions from an IRA is:

A. 50%

B. 20%

C. 10%

D. 5%

정답: C

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문제7

The amount received for a life insurance policy in a viatical settlement is:

A. Equal to the sum of all premiums paid

B. Less than the death benefit

C. Equal to the death benefit

D. Greater than the death benefit

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제8

A universal life insurance policy can be described most accurately as a combination of:

A. A mutual fund and a whole life insurance policy

B. A flexible premium deposit fund and a monthly renewable term insurance policy

C. A term insurance policy and an annuity

D. An endowment policy and an interest-sensitive deposit fund

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

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

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