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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions:
1. Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?
A) Cash refund
B) Period certain
C) Cost recovery
D) Installment refund
2. 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
3. One factor in premium determination is the expenses of the:
A) Policy beneficiary
B) Insurer
C) Producer
D) Policy owner
4. In surrendering a life insurance contract for its cash value, the total of premiums paid less the total of any dividends received in cash or used to offset premiums is:
A) The cash value
B) The loan value
C) The cost basis
D) The gross proceeds
5. The purpose of licensing insurance agents is to:
A) Limit the number of agents who do business within Maryland
B) Monitor insurance sales activity in Maryland
C) Regulate rates to prevent unfair discrimination among insureds
D) Demonstrate that the agent is qualified to act on behalf of insurers in Maryland
Solutions:
| Question # 1 Answer: B | Question # 2 Answer: B | Question # 3 Answer: B | Question # 4 Answer: C | Question # 5 Answer: D |



