Maryland Insurance Administration Life-Producer試験問題（更新されたのは2025年）100%リアル問題解答
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質問 # 44
Which activity is an unfair claims settlement practice?
- A. Including an arbitration provision in the insurer's policies
- B. Denying claims on the basis of specific policy provisions
- C. Offering settlements that are less than the fair value to offset insurer expenses
- D. Negotiating the payment of claims where coverage or liability is in question
正解：C
解説：
Comprehensive and Detailed Step by Step Explanation:Offering settlements below fair value (D)is prohibited as an unfair claims settlement practice under Maryland law. Insurers must handle claims in good faith and pay fair settlements based on policy terms.
* Negotiating claims (A):Permitted when there are legitimate disputes over coverage or liability.
* Denying claims (B):Allowed if based on valid policy exclusions or conditions.
* Including arbitration provisions (C):Legal, provided they comply with state guidelines and are not coercive.
Unfair claims settlement practices include:
* Misrepresenting policy provisions.
* Failing to promptly investigate or settle claims.
* Attempting to settle for less than reasonable amounts.
References:Maryland Insurance Article §27-303, Unfair Claims Practices Act, and COMAR 31.15.07.
質問 # 45
All of the following statements about universal life insurance are true EXCEPT:
- A. Failure to pay the renewal premium automatically causes the policy to lapse
- B. It may be written with either a level death benefit or an increasing death benefit
- C. Withdrawals of the policy cash value are permitted and sometimes subject to a surrender charge
- D. The Internal Revenue Code places a minimum limitation on the difference between the cash value and the death benefit
正解：A
解説：
Comprehensive and Detailed Step by Step Explanation:Universal life insurance policies offer flexibility and adaptability, but they also have specific rules:
* Minimum cash value vs. death benefit (A):Correct. IRS rules require a minimum difference to maintain tax-advantaged status.
* Level or increasing death benefits (B):Correct. Policyholders can choose based on their needs.
* Cash value withdrawals (C):Correct. Withdrawals are allowed but may incur surrender charges.
* Automatic lapse (D):Incorrect. Universal life does not immediately lapse due to missed payments; instead, costs are deducted from the cash value, and the policy remains in force until the cash value is depleted.
References:Maryland Insurance Administration Policy Lapse Guidelines, IRS Tax Code §7702, and COMAR
31.09.13.
質問 # 46
Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?
- A. Installment refund
- B. Cost recovery
- C. Cash refund
- D. Period certain
正解：D
解説：
Comprehensive and Detailed Step by Step Explanation:A "period certain" option ensures benefit payments are made for a set duration even if the annuitant dies before the end of the period.
* Period certain (B)guarantees a minimum payment period to beneficiaries.
* Cost recovery (A)andrefund options (C and D)relate to returning unused premiums or unpaid balances but do not ensure a minimum payout period.
References: Maryland Annuity Regulations and Contract Features.
質問 # 47
The qualified first-time homebuyer distribution available in IRAs has a maximum lifetime limit per participant of:
- A. $10,000
- B. $2,000
- C. $5,000
- D. $20,000
正解：A
解説：
Comprehensive and Detailed Step by Step Explanation:The IRS allows a penalty-free distribution of up to
$10,000from an IRA for qualified first-time homebuyers, provided the funds are used for eligible home purchase expenses.
* $10,000 (C):Correct. This is the lifetime maximum allowed per participant.
* $2,000 (A) and $5,000 (B):Too low for the current IRS rules.
* $20,000 (D):Exceeds the limit and is incorrect.
References:IRS Publication 590-B, Maryland IRA Distribution Rules, and COMAR 31.09.12.
質問 # 48
A producer is prohibited from:
- A. Splitting commissions with a licensed nonresident producer who has jointly sold a policy
- B. Allowing an applicant to sign a blank or incomplete application
- C. Selling insurance to family members
- D. Countersigning a policy sold in Maryland
正解：B
解説：
Comprehensive and Detailed Step by Step Explanation:Insurance producers must uphold ethical and legal practices when conducting business.
* Allowing an applicant to sign a blank or incomplete application (B):This is strictly prohibited, as it creates opportunities for fraud, disputes, and incorrect information being submitted to insurers.
* Selling insurance to family members (A):Permissible under Maryland law as long as transactions comply with standard regulations.
* Countersigning a policy (C):Required in some cases for validating contracts sold in Maryland.
* Splitting commissions with a licensed nonresident producer (D):Permissible if both parties are licensed and participate in the sale.
References:Maryland Producer Code of Conduct, COMAR 31.03.13, and Maryland InsuranceEthics Guidelines.
質問 # 49
Which of the following reinforces the rule that ambiguities in insurance contracts should be interpreted in favor of the policyholder?
- A. Representation
- B. Reasonable expectations
- C. Retention
- D. Retrocession
正解：B
解説：
Comprehensive and Detailed Step by Step Explanation:Thedoctrine of reasonable expectationsensures that ambiguities in insurance policies are resolved in favor of the policyholder:
* Reasonable expectations (B):Protects policyholders by ensuring contracts are interpreted based on how an average person would understand them, especially when ambiguities exist.
* Representation (A):Refers to the accuracy of statements made during application, unrelated to contract interpretation.
* Retention (C):Concerns risk management, not contract ambiguities.
* Retrocession (D):Deals with reinsurance, not policyholder rights.
References:Maryland Contract Law, Insurance Ambiguities Guidelines, and COMAR 31.15.03.
質問 # 50
The amount received for a life insurance policy in a viatical settlement is:
- A. Equal to the death benefit
- B. Equal to the sum of all premiums paid
- C. Greater than the death benefit
- D. Less than the death benefit
正解：D
解説：
Comprehensive and Detailed Step by Step Explanation:A viatical settlement allows a policyowner (often with a terminal illness) to sell their life insurance policy for immediate cash, typically to a third party.
* Less than the death benefit (D):The settlement amount is a fraction of the policy's face value, reflecting the buyer's expected profit after paying premiums and collecting the death benefit.
* Equal to the sum of all premiums paid (A):This is incorrect as premiums paid do not determine the settlement amount.
* Equal to the death benefit (B):The buyer profits from receiving the full death benefit upon the insured' s death, so they pay less upfront.
* Greater than the death benefit (C):This would result in a financial loss for the buyer, which is not the case in viatical settlements.
References: Maryland Viatical Settlement Act, COMAR 31.09.10, and Terminal Illness Policyholder Assistance Guidelines.
質問 # 51
Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?
- A. Installment refund
- B. Cost recovery
- C. Cash refund
- D. Period certain
正解：D
解説：
Comprehensive and Detailed Step by Step Explanation:
A "period certain" provision ensures payment for a specified period regardless of whether the annuitant survives:
Period certain (B) guarantees payments for a set number of years, protecting beneficiaries.
Cost recovery (A) and refund options (C and D) relate to refunding premiums or unpaid amounts but do not guarantee a payment period.
References: Maryland Annuity Regulations, Payment Options.
質問 # 52
In general practice, can the Maryland Insurance Administration inspect the business records of an insurance company or agency?
- A. No, because only an officer of the court can inspect these records
- B. Yes, because of the powers defined by state laws
- C. No, because of privacy considerations
- D. Yes, because all company and agency records are public domain
正解：B
解説：
Comprehensive and Detailed Step by Step Explanation:The Maryland Insurance Administration (MIA) is authorized to inspect the records of insurers and agencies to ensure compliance with laws:
* Yes, because of the powers defined by state laws (B):Correct. The MIA has broad authority under Maryland law to audit, inspect, and investigate insurance business practices.
* No, because of privacy considerations (A):Incorrect. Regulatory inspections are exempt from privacy concerns when conducted lawfully.
* Only an officer of the court (C):Not required; the MIA operates independently within its legal mandate.
* Public domain records (D):Incorrect; insurance records are not publicly accessible unless required by law.
References:Maryland Insurance Article §2-209, COMAR 31.03.01, and Regulatory Oversight Guidelines.
質問 # 53
Who normally receives dividends in a stock insurance company?
- A. Beneficiaries
- B. Only members of the board of directors
- C. Shareholders
- D. Producers
正解：C
解説：
Comprehensive and Detailed Step by Step Explanation:In astock insurance company, shareholders are the owners and receive dividends from the company's profits.
* Shareholders (B):They are entitled to dividends when declared by the board of directors, based on profitability.
* Board of directors (A):Oversee corporate governance and do not individually receive dividends as a right.
* Beneficiaries (C):Receive policy death benefits, not dividends.
* Producers (D):Earn commissions or fees, not dividends.
References:Maryland Corporate Insurance Structure Rules, Stock vs. Mutual Insurer Regulations, COMAR
31.05.03.
質問 # 54
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. An adjustable whole life insurance policy
- C. An available deferred annuity
- D. A flexible premium fixed annuity
正解：D
解説：
Comprehensive and Detailed Step by Step Explanation:Aflexible premium fixed annuityis designed to allow policyholders flexibility in premium payments while providing guaranteed growth.
* Flexible deposits:Policyholders can make variable contributions based on their financial situation.
* Deferred taxation:Earnings grow tax-deferred until withdrawal.
* Guaranteed minimum interest rate:Fixed annuities offer this feature to protect against market downturns.
* Death proceeds equal to cash value:Upon death, beneficiaries typically receive the accumulated cash value.
Other Options:
* Adjustable whole life policy (A):Features adjustable premiums but lacks deferred taxation and guaranteed rates.
* Deferred annuity (B):Generic and does not specify the features of fixed annuities.
* Universal life (D):Provides more flexibility but differs in guaranteed returns.
References:Maryland Annuity Guidelines, COMAR 31.09.08, and Tax-Deferred Financial Product Regulations.
質問 # 55
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. Report the fact to the insurance company
- B. Deny knowledge of the fact
- C. Acknowledge the fact only if asked by the insurance company
- D. Advise the applicant to amend the application
正解：A
解説：
Comprehensive and Detailed Step by Step Explanation:Ethical responsibilities and state laws mandate that insurance producers act in good faith when handling applications.
* Reporting material facts to the insurer (D):Producers must disclose any information that could impact underwriting decisions. Transparency ensures that policies are accurately priced and legally enforceable.
* Denying knowledge (A):Violates ethical and legal obligations.
* Acknowledging facts only if asked (B):Demonstrates bad faith and can lead to legal penalties.
* Advising applicants to amend (C):While this helps, it does not fulfill the producer's duty to inform the insurer.
References: Maryland Insurance Administration Producer Code of Ethics, COMAR 31.03.13.
質問 # 56
Which one of the following life insurance settlement options pays a predetermined monthly benefit until principal and interest are exhausted?
- A. The interest-only option
- B. The fixed period installment option
- C. The fixed amount installment option
- D. The accelerated endowment option
正解：C
解説：
Comprehensive and Detailed Step by Step Explanation:Thefixed amount installment optionprovides for a predetermined monthly benefit to the policy beneficiary. Payments continue until the principal (death benefit) and accumulated interest are fully paid out.
* Fixed amount installment option (A):Ensures consistent payment amounts until the death benefit and interest are exhausted. This option is often used when beneficiaries want a steady income.
* Accelerated endowment option (B):Not relevant as it refers to early payouts for policies reaching maturity.
* Interest-only option (C):Only pays interest earned on the death benefit, leaving the principal untouched.
* Fixed period installment option (D):Guarantees payments for a specific period, regardless of whether the principal or interest is depleted.
References: Maryland Life Insurance Policy Payout Regulations and Settlement Options Guidelines.
質問 # 57
A policyholder uses a Section 1035 exchange to replace an existing life insurance policy. If the new policy is later surrendered, the gain realized on termination is taxed as:
- A. Ordinary income
- B. A deferred capital gain
- C. A capital gain
- D. Ordinary income plus a 10% surcharge
正解：A
解説：
Comprehensive and Detailed Step by Step Explanation:ASection 1035 exchangeallows a policyholder to replace a life insurance policy, annuity, or endowment without immediate tax consequences. However, when the new policy is surrendered:
* The gain is taxed asordinary income (A), calculated as the difference between the policy's cash surrender value and the cost basis (total premiums paid).
* Capital gain (B):Incorrect. Gains from life insurance policies are classified as ordinary income, not capital gains.
* Ordinary income plus a 10% surcharge (C):The 10% penalty applies only to premature distributions from retirement accounts, not life insurance.
* Deferred capital gain (D):Incorrect, as life insurance gains are not subject to capital gain rules.
References:IRS Code §1035, Maryland Tax Code on Life Insurance, and COMAR 31.09.12.
質問 # 58
A universal life insurance policy can be described most accurately as a combination of:
- A. An endowment policy and an interest-sensitive deposit fund
- B. A flexible premium deposit fund and a monthly renewable term insurance policy
- C. A term insurance policy and an annuity
- D. A mutual fund and a whole life insurance policy
正解：B
解説：
Comprehensive and Detailed Step by Step Explanation:Universal life insurance is a flexible product that combines features of term insurance and a savings component:
* Flexible premium deposit fund and a monthly renewable term insurance policy (D):Universal life allows policyholders to adjust premiums and coverage amounts. The policy includes a savings element (cash value) and provides renewable term insurance protection.
* Mutual fund and whole life insurance policy (A):Incorrect, as universal life does not involve mutual funds or strict whole life coverage.
* Term insurance and an annuity (B):Universal life lacks the payout structure of an annuity.
* Endowment and interest-sensitive deposit fund (C):While it includes interest-sensitive growth, it is not structured as an endowment policy.
References:Maryland Life Insurance Product Guidelines, Universal Life Policy Features, and COMAR
31.09.13.
質問 # 59
Which one of the following causes of death typically would be included under an accidental death rider attached to a life insurance policy?
- A. War or acts of war
- B. Illness or disease
- C. Automobile accidents resulting from the insured's negligence
- D. Intentionally self-inflicted injuries
正解：C
解説：
Comprehensive and Detailed Step by Step Explanation:An accidental death rider pays an additional benefit if death results solely from an accident.
* Automobile accidents resulting from the insured's negligence (D):Covered, as negligence does not negate the accidental nature of the event. The death must result directly from the accident without other contributing factors like illness.
* Intentionally self-inflicted injuries (A):Excluded, as they are not accidental.
* Illness or disease (B):Excluded, as accidental death benefits only apply to unforeseen events, not natural causes.
* War or acts of war (C):Excluded in most policies due to specific exclusions for wartime risks.
References:Maryland Insurance Administration Policy Rider Guidelines and Accidental Death Coverage Standards, COMAR 31.09.04.
質問 # 60
In order to qualify for a company convention, an insurance producer agrees to pay the first quarterly premium for the applicant for new insurance. This is called a:
- A. Rebate
- B. Cost of doing business
- C. Loan
- D. Gift
正解：A
解説：
Comprehensive and Detailed Step by Step Explanation:Paying an applicant's premium is considered a rebate, which is generally prohibited in Maryland unless explicitly permitted by law.
* Rebates (B)involve offering inducements not specified in the policy, which can undermine fairness and market stability.
* Gifts (A)andloans (C)imply separate intentions and are distinct from policy-related payments.
* Cost of doing business (D)does not apply, as paying premiums on behalf of clients violates anti- rebating laws.
References: Maryland Rebating Laws, Unfair Trade Practices Act.
質問 # 61
A producer may be guilty of misrepresentation if the producer:
- A. Required timely written notice of loss for all claims
- B. Denied a claim for failure of the policyholder to prove damages
- C. Failed to disclose exclusions of the policy
- D. Issued a full settlement check expressly releasing the insurer
正解：C
解説：
Comprehensive and Detailed Step by Step Explanation:Misrepresentation involves providing false, misleading, or incomplete information about a policy:
* Failed to disclose exclusions of the policy (A):Correct. Not informing the insured about policy exclusions misrepresents the coverage and violates Maryland law.
* Denied a claim for failure to prove damages (B):This relates to claims handling and is not misrepresentation.
* Required written notice of loss (C):This is a legitimate policy requirement, not misrepresentation.
* Issued a full settlement check (D):Standard claims settlement practice when agreed upon; not related to misrepresentation.
References:Maryland Insurance Article §27-303, Misrepresentation and False Advertising Standards, COMAR 31.15.03.
質問 # 62
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