最新なMaryland Insurance Administration Life-Producer問題集（85題）、真実試験の問題を全部にカバー！

質問 1：
If a life insurer denies a policy of life insurance, the insurer shall disclose the results of any medicalexamination administered to determine insurability to the:
A. Physician of the applicant's choice upon the request of the applicant
B. Physician that furnished medical information to the insurer
C. Beneficiary of the policy
D. Company's underwriter
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 2：
An existing life insurance policy is sold by the policyowner to help finance the cost of a terminal illness. This is an example of:
A. A viatical settlement
B. A survivorship policy
C. An accelerated death benefit
D. A nonforfeiture option
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 3：
Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?
A. Period certain
B. Cost recovery
C. Installment refund
D. Cash refund
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 4：
An individual life insurance policy may include coverage for all of the following EXCEPT:
A. Disability
B. Workers' compensation
C. Burial
D. Long-term care
正解：B
解説: (Pass4Test メンバーにのみ表示されます)

質問 5：
To determine whether unfair trade practices have been violated, who has the power to examine an insurer's books and records?
A. The Maryland Property & Casualty Insurance Guaranty Corporation (PCIGC)
B. The Federal Deposit Insurance Corporation
C. The Maryland Insurance Administration
D. The National Association of Insurance Commissioners
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 6：
The life insurance buyer's guide includes information about all of the following EXCEPT how to:
A. Decide how much life insurance to buy
B. Compare life insurance policy rates
C. Take civil action against an insurer
D. Compare life insurance policy requirements
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 7：
In the event of a death claim under a life insurance policy, what happens to the amount of any existing policy loan?
A. It is deducted from the face amount of the policy together with any interest due.
B. It is canceled, and the beneficiary receives the face amount of the policy.
C. It represents a primary claim against the estate of the insured.
D. The beneficiary has an obligation to pay the amount to the insurance company.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 8：
An applicant for life insurance must be informed that testing for Human Immunodeficiency Virus (HIV) infection is used to help determine:
A. Whether an insurable interest exists
B. The effective date and term of coverage
C. The insurability of the proposed insured
D. The type of policy that will be issued
正解：C
解説: (Pass4Test メンバーにのみ表示されます)