Life-Producer問題集、Maryland Insurance Administration実際の試験問題

質問 1

An employee with $50,000 group life insurance coverage terminates employment and submits an application WITHOUT the initial premium for a $50,000 conversion policy. If the employee dies 15 days later, the insurer would pay:

A. $50,000 under the new policy

B. Nothing at all

C. $50,000 under the new policy, less the initial premium amount due

D. $50,000 under the group plan

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 2

An insurance producer who conducts business under an assumed or fictitious name must:

A. Post a $10,000 bond

B. Apply for an additional license

C. File the name with the Insurance Administration

D. Apply for an additional appointment

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 3

Who normally receives dividends in a stock insurance company?

A. Only members of the board of directors

B. Producers

C. Shareholders

D. Beneficiaries

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 4

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

A. Representation

B. Retrocession

C. Retention

D. Reasonable expectations

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 5

A group policy may be issued to a labor union. The members eligible for insurance under the policy shall be:

A. Members of any union

B. All of the members of the union

C. Healthy members of the union

D. Only members of the union who are under the age of 65

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 6

The annual addition to an employee's account in a qualified retirement plan:

A. Cannot exceed maximum limits set by the Internal Revenue Service

B. Usually reflects the employee's individual work performance each year

C. Must be the same dollar amount for every full-time employee

D. Can be any amount as determined by the employer from year to year

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 7

In determining the payment of accelerated life insurance benefits, all of the following are considered activities of daily living EXCEPT:

A. Dressing

B. Eating

C. Bathing

D. Speaking

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 8

All of the following statements about the life insurance protection provided by a family life insurance policy are true EXCEPT:

A. Most of the premium amount purchases whole life insurance for the head of the household

B. Life insurance coverage is provided automatically to children born during the policy period

C. Coverage is available only to heads of households who are 30 years old or younger

D. Coverage for dependents can be converted to whole life insurance without evidence of insurability

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 9

Which of the following is a requirement of an insurable risk?

A. The chance of loss must be calculable.

B. The loss must be catastrophic.

C. There must be a large number of different loss exposures.

D. The loss must be intentional.

正解: A

解説: (PassTest メンバーにのみ表示されます)

Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) - Life-Producer 模擬練習