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Maryland Insurance Administration Life-Producer Exam Syllabus Topics:

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

1. Which of the following statements about cash values in whole life insurance policies is true?

A) They result from the level premium concept.
B) They equal the policy face value at age 65.
C) They cannot be guaranteed.
D) They typically increase until age 65 and remain level thereafter.

2. The needs approach to personal life insurance planning includes the creation of an emergency reserve fund.
This fund is designed primarily to:

A) Cover the cost of unexpected expenses
B) Pay off an existing mortgage
C) Provide retirement income
D) Pay for college tuition and books

3. A producer is prohibited from:

A) Countersigning a policy sold in Maryland
B) Splitting commissions with a licensed nonresident producer who has jointly sold a policy
C) Selling insurance to family members
D) Allowing an applicant to sign a blank or incomplete application

4. All of the following statements about universal life insurance are true EXCEPT:

A) Withdrawals of the policy cash value are permitted and sometimes subject to a surrender charge
B) It may be written with either a level death benefit or an increasing death benefit
C) The Internal Revenue Code places a minimum limitation on the difference between the cash value and the death benefit
D) Failure to pay the renewal premium automatically causes the policy to lapse

5. 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) Coercion
B) Intimidation
C) Extortion
D) Defamation

Solutions: